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It's been about three weeks since Tammy Cooper last drank water from her tap. That's when she saw a warning on Facebook for residents of her small Western Michigan town to stop drinking the water.
In Michigan, water main breaks aren't unusual, although they're more common in winter. It didn't immediately strike Cooper as out of the ordinary to not be able to drink the water.
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But the Facebook message made no mention of the run-of-the-mill breaks or chloroform warnings; rather, the city's July 26 post said, "We have just been informed this afternoon by the [Michigan Department of Environmental Quality] that the PFAS level in a City well is 1400 ppt. The limit being 70 ppt."
It advised using bottled water for cooking, drinking and making baby formula.
"I immediately felt really sick," Cooper said.
PFAS, or per- and polyfluoroalkyl substances, are a family of more than 4,000 synthetic chemicals that degrade very slowly, if at all, in the environment. Some of the best-known chemicals are PFOS, PFOA and GenX.
It's not the first time Michigan has dealt with toxic tap water; the legacy of Flint is not far behind. But unlike in the Flint lead crisis, it's unknown how long the water in Parchment has been contaminated with PFAS.
Now, all Cooper could see were toxins all over her house, poisoning her nearly 3-year-old daughter, Jillian, who has lived in Parchment most of her life.
"You look around and you have sippy cups around," she said. Every cup of water -- in fact, anything using the water -- became suspect.
A persistent problem
The chemicals have been used for decades on military bases and in industrial areas in the manufacturing of thousands of consumer items including food packaging materials, water-resistant fabrics, nonstick cooking pans and firefighting foams.
"They're extremely strong, and they are extremely persistent, and that's what makes them so good for nonstick, waterproof and stain-repellant products," said Tom Bruton, a scientist with the Green Science Policy Institute in Berkeley, California.
The chemicals are no longer manufactured in the United States. In 2002, 3M, the primary US manufacturer of PFOS, voluntarily phased out production of the chemical. In 2006, eight major companies in the PFAS industry agreed to stop production of PFOA and PFOA-related chemicals by 2015.
But they can still be found all around us, including in the water.
"I think that people should be concerned about the amount of PFOA and PFOS that is in our environment," Susan M. Pinney, a professor in the Department of Environmental Health at the University of Cincinnati, wrote in an email. "These are chemicals with long half-lives," meaning they can persist in the environment as well as the body. According to the federal Agency for Toxic Substances and Disease Registry, they can stay in the body two to nine years.
"Exposure in utero may have the greatest effect on developing children ... and effects may last into adulthood," Pinney said, adding that the research is early and so is not definitive.
According to the US Environmental Protection Agency, PFAS exposure has been linked to low birth weight, immunological disorders, cancer and thyroid hormone disruption.
And that is what exactly worries Cooper. She can't help but wonder whether the more than two years her family has lived in Parchment have been the root of their health issues.
"You just start thinking, 'well, we were sick a lot,' " she said.
Is it the water? Could it be breast milk?
Cooper and her husband David prioritize healthy living: They buy organic food; they wash their hands often; they diligently use laundry detergent "free and clear" of unnecessary chemicals; she breastfed her daughter for nearly 3 years. So could there be a connection to the water? After all, her thyroid hormone levels went down after her pregnancy. "It causes all these questions," she said.
Her biggest concern is Jillian. She was small, measuring in the 10th percentile for weight when they moved to Parchment when she was 6 months old. A year later, she had dropped below the 1st percentile in weight. After Cooper focused on feeding her a higher-fat and -protein diet, Jillian's weight is now in the 4th percentile.
"Is it the water?" Cooper wonders. Could it have been her breast milk? "She's nursed the entire duration that we've lived here. Everything that I've read, if you're nursing a child, you're passing it on to them."
PFOS and PFOA are found in blood and at lower levels in breast milk and umbilical cord blood, according to the Centers for Disease Control and Prevention's National Center for Environmental Health.
Cooper reached out to Jillian's pediatrician immediately after she read the Facebook announcement. Her doctor is concerned there could be a connection between the water and Jillian's growth, but there is little to nothing they can do about it now.
Since the city's announcement, Cooper decided to wean her daughter off breastfeeding. "I didn't want it to end this way. The last thing I want to remember is this special thing to be terminated because of this thing in the water," she said.
"Maybe I don't have any health issues from the water, but there's a major cost to your mental health, because you're in charge of this little person, and you feel like you're failing."
It's an anxiety that has occupied many other parents in the area, like Sara Dean.
Dean and her husband settled in Parchment three years ago after searching for a place to raise their children. They worried that their hometown of Chicago was too busy and potentially too violent of a place to raise a family.
Parchment was beautiful. Neighbors spoke to on another. It seemed like a great place to start a family.
"We moved to a state associated with healthy living, pure water -- all the things with the Pure Michigan campaign -- and now we're like, what did we do? Would we have been better off starting a family in Chicago? At least the water is safe. There is a lot of questioning if we made the right decision three years ago."
A national problem
What's happening in Parchment isn't unique. The state of Michigan has confirmed at least 34 sites that have been contaminated with the chemicals. The state has been testing potential sites across Michigan since 2017.
On July 29, Michigan declared a state of emergency over Parchment's water. Although a specific source of the PFAS contamination has not been identified, the state Department of Environmental Quality has tested an area where PFAS might have been used. The state is also testing private residential tests to understand how far the contamination has spread.
The Environmental Working Group and Northwestern University have mapped 94 sites across the country affected by PFAS. The US Department of Defense has listed 36 contaminated military installations.
The EPA has called PFAS a national priority.
The contaminant became a political lightning rod this year when internal White House emails revealed that the Trump administration tried to withhold a US Department of Health and Human Services report on the chemicals' health risks because it could be a "potential public relations nightmare." The report, which was eventually released in June, found that the current EPA-recommended level was seven to 10 times higher than it should be.
In May, the agency held a national leadership summit on PFAS but blocked several media outlets, including CNN, from attending.
This summer, the EPA hosted "community engagement" events in Exeter, New Hampshire; Horsham, Pennsylvania; Colorado Springs, Colorado; and Fayetteville, North Carolina -- all communities affected by contaminated water.
At the event this week in Fayetteville, the agency addressed residents who have found elevated levels of the chemical GenX, a second-generation PFAS, in private drinking water wells.
John Pate, a resident of the area, told CNN affiliate WRAL that it's not just the immediate impact he's concerned about. "We could be still looking at, 20 years down the road, people coming up with things. We don't know," Pate said.
Bruton, of the Green Science Policy Institute, expects the number of affected communities to continue to grow.
"The more we monitor water supplies, the more widespread we find these chemicals to be," he said.
Trying to find peace of mind
Dean can't help but wonder what the impact of Parchment's water has been on her 2-year-old boy and the child with which she is 30 weeks pregnant. Like Jillian, Dean's son, Patrick, is on the smaller side, and her baby is measuring smaller in the womb.
"Do I make small babies," Dean questions, "or do I make small babies because I drink poisoned water?"
Within hours of hearing the news of the elevated levels, the city of Parchment quickly set up a bottled water distribution system. City officials are currently working to connect residents to the nearby Kalamazoo water system.
According to the CDC's National Center for Environmental Health, the major pathway for PFAS exposure is ingestion. Aside from contaminated drinking water, PFAS can be found around the house, Bruton said. It's in the dust from stain-treated carpets and upholstery, in some packaged foods and in foods cooked in nonstick pans.
Parchment's water advisory says it's safe to use the water for cleaning and washing purposes. Bathing is also fine because absorption of PFAS through the skin is slow and insignificant.
But when Dean takes a dish out of the dishwasher, she will run bottled water over it "for peace of mind."
Dean and her husband have also installed a reverse-osmosis water filter in their home. Reverse osmosis filters certified by NSF International can reduce PFAS levels to below levels set by the EPA.
It's something Don Rome is also considering. It's well worth the cost to protect his wife, their 13-year-old daughter and 17-year-old son, and their pets, he said.
"I'm not sure I'll be going back to drinking directly from the tap without filters. So there is some uncertainty there. It's all a new frontier," Rome said.
And when Rome swims in their pool or takes a shower, there's always some thought about it in the back of his mind. "You don't intend to drink the water, but it gets in your mouth. ... Things happen."
Rome has a lot of confidence in the city. He feels that officials have done a good job of communicating actions taken to keep residents safe, including the efforts to connect to the Kalamazoo system.
But there is no question in Rome's mind that the water has impacted all parts of the city.
Rome tracks real estate in Parchment in his job. He noticed the pace of home sales has slowed since the PFAS announcement.
"There has been a slowdown in interest and foot traffic," he said.
For Cooper, the impact of the PFAS contamination has been significant. Her house is being used as one of the city's testing sites. It has created a sense of distrust that wasn't there before.
"You backtrack on everything that you ever believed in, everything about your safety," she said.
"If you can't trust the government about water, what can you trust them about?"


text: Jesper, Magnus is rewriting all of the hotspot build system. Are these cleanups really worthwhile at this stage? David On 11/02/2016 8:10 AM, Jesper Wilhelmsson wrote: > Sending again to include the build-dev list. > /Jesper > > Den 10/2/16 kl. 21:31, skrev Jesper Wilhelmsson: >> Hi, >> >> Please review this cleanup of the Hotspot makefiles. >> >> Since I have been spending some time in the makefiles lately there >> were a few >> random cleanups that I couldn't stop myself from doing. Most of these >> are made >> to make the linux and bsd makefiles more alike. This has helped a lot >> when >> porting the framework to the different platforms. >> >> There are a couple of preparing alignment changes that I included in this >> cleanup to make the Google test patch easier to review later. >> >> There are also a couple of "real" changes: >> >> * In make/bsd/makefiles/buildtree.make we set up OS_VENDOR with the >> motivation >> that we don't include defs.make. Three lines below we include defs.make. >> >> * In make/bsd/makefiles/buildtree.make the 'install' target depends on >> 'install_jsigs'. There is no rule called 'install_jsigs', it is called >> 'install_jsig'. >> >> >> Another difference that I find interesting but that I have not changed >> in this >> patch (I can do that if requested) is that in the bsd version of >> fastdebug.make >> VERSION is set to "fastdebug" but in the linux version it is set to >> "optimized". >> Given the name of the makefile fastdebug seems more correct, but >> whichever is >> the correct value, shouldn't they be the same on linux and bsd? >> >> >> https://bugs.openjdk.java.net/browse/JDK-8149594 >> http://cr.openjdk.java.net/~jwilhelm/8149594/webrev.00/ >> >> Thanks, >> /Jesper

subset: commoncrawl


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Developed by the Ballymore Group, 21 Wapping Lane comprises of five apartment buildings offering 379 residential units in Tower Hamlets. It's in a good location for commuters, in a position between the City and Canary Wharf, with both Wapping and Shadwell stations nearby.
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look East
Everyone heads west to the tobacco Dock and St Katherines but just behind us is Wapping Woods and Shadwell Basin – beautiful. Our family love spending weekends in the park at the summer but it is also a lovely area to run around with the canal paths. I heard that locals were really resistant to this development being built and blocking views. We now have London Docks being built the other side of Tobacco Docks which brings with it noise/disruption and concern about the views.
Please share one thing (or more) which you wish you had known before you moved in:
We love our flat but have had a few issues but the residents association helped
great development
21 Wapping Lane is right opposite Tobacco Dock (definitely worth a visit even if you are not familiar) and not far to walk to St Katherines Dock (lots of tourists but for a reason!), the top floors have amazing views out across the river. The canal path is lovely but as it backs onto a car park I would be nervous of walking around there at night as we have read that there has been a history of rough sleepers behind the fence. Wapping woods is just behind the development and is a nice open area with streams and grass areas. Great for picnics or sports, nice path for an evening or morning jog. I would say this is great for commuting to other parts of London but also not feeling like you are in the middle of a high rise development.
Riverside life, but not as you know it
Riverside life, but not as you know it
Completed in 2012, 21 Wapping Lane was the first large-scale new building to be built in the area of St Katherine's & Wapping for more than a decade. It's right opposite Tobacco Dock – a huge, brick-built warehouse built in 1811 to store tobacco. Today it's Grade I listed and one of Tower Hamlets' top historic must-sees. As such, the building has been designed to bring contemporary, futuristic design to an area of the capital that's firmly rooted in London's maritime past.
21 Wapping Lane is made up of five buildings with a combination of one, two and three-bedroom spaces. Inside, design-led interiors are very much a staple. Think sleek, white-on-white colour schemes with stylish parquet flooring and luxury marble bathrooms. Kitchens come equipped with state-of-the-art fitted appliances, and the inclusion of floor-to-ceiling windows means properties are flooded with natural light. Private balconies offer up views of the surrounding area, and some directly overlook the water.
The buildings at 21 Wapping Lane are serviced by lifts, and residents also have the benefit of a 24-hour concierge service. Plus, additional benefits like a private residents' cinema, health club, bar and on-site restaurant very much make 21 Wapping Lane a lifestyle destination in its own right.
21 Wapping Lane is a five-minute walk from Wapping overground station, and about the same distance to Shadwell station. From here, Canary Wharf is a five-minute journey, which makes this development understandably popular with both Canary Wharf and City workers. For the District and Circle underground lines, there's Tower Hill Tube station, which is in Zone 1. Two key bus lines also provide good transport links from Wapping – the D3 to Canary Wharf, and the No 100 to the City.
As for leisure, Wapping has come a long way since its days as a riverside hamlet called Wapping-on-the-Woze, which means mud. These days it's an atmospheric riverside neighbourhood on the north bank of the River Thames. It has a decidedly calm feel, thanks perhaps to the abundance of water. St Katherine Docks are an easy 15-minute walk away, with a relaxing marina fully stocked with cafes, restaurants and bars – most of which have outdoor seating overlooking the water. There's a weekend world food market held here, right at the foot of Tower Bridge. And if you hop on a ferry you can pay a visit to the Cutty Sark in Greenwich, AKA the world's last-surviving tea clipper.
A gem in Tower Hamlets
This part of East London has much less development going on than lots of other places I've lived – it feels much more established and, as a result, much more peaceful. The apartments are opposite Tobacco Dock, which is one of the best bits about Docklands. It was built in the 19th century to store tobacco and wine but is now an events venue – the Rooftop Film club screened outdoor movies here for a while. The apartments at 21 Wapping Lane are bright and airy, and really modern as you'd expect from the outside. There's some parking available for residents too.


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Did you know that all UK savers have a savings safety net for the first £85,000 of cash protected in the event of their bank or building society going bust ? The limit is applied 'per individual, per bank'. That means that if you have a joint account you both will get back £85,000; or up to £170,000 for both parties.
So if you're bank or building society hits the buffers you are protected.
All UK-registered savings institutions have to sign up to the FSCS and agree that if one of them goes to the wall, the others step in and jointly repay depositors through the scheme. It's the quintessential last line of defence for savers in banking crises.
Note the 'per bank' limit of £85k. This means that your savings are covered by the FSA rules. The limits do not apply to money held with National Savings & Investments, where all of your money is 100 per cent guaranteed by the Government.
With the 'per bank' rule, it is best to spread your savings over as many banks / building societies as possible, if your lucky enough to have more that £85,000 in savings. So make sure that you never deposit more than £85,000 at the same bank, building society or credit union.
What products are Covered ?
The FSCS covers business conducted by firms authorised by the UK regulators, the FCA and PRA . European firms (authorised by their home state regulator) that operate in the UK may also be covered.The FSCS protects the following:
- Banks and Building Societies
- Credit Unions
- Insurance
- Home Finance (including mortgage advice)
- Investments
- Pensions
- Endowments
Foreign banks' compensation limits
FSA and UK Government rules do not apply at some foreign banks operating in the UK who are signed up to their schemes in the country they are based., rather than the FSCS.
An example of this is the deposits at Irish banks operating in the UK such as Anglo-Irish Bank and Allied Irish Bank, have been 100 per cent covered since September 2008. The Post Office – where the deposits fall under Bank of Ireland – is now fully covered by the UK's £85k safety net, though. This is because a UK subsidiary was set up to give Post Office savers peace of mind.
A popular bank with a foreign licence is ING Direct. The Dutch bank is covered back in the Netherlands up to €100,000. That would get converted into pounds sterling at the going exchange rate when claiming.
You can read more here on the FSCS site and make sure you are protected by the savings safety net.


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Babylonians tracked Jupiter with sophisticated geometry
(from John Timmer – Ars Technica)
Even when a culture leaves behind extensive written records, it can be hard to understand their knowledge of technology and the natural world. Written records are often partial, and writers may have been unaware of some technology or simply considered it unremarkable. That's why the ancient world can still offer up surprises like the Antikythera Mechanism, an ancient mechanical computer that highlighted the Greeks' knowledge of math, astronomy, and the mechanical tech needed to tie them together.
It took several years after the discovery for the true nature of the Antikythera Mechanism to be understood. And now something similar has happened for the Babylonians. Clay tablets, sitting in the British Museum for decades, show that this culture was able to use sophisticated geometry to track the orbit of Jupiter, relying on methods that in some ways pre-figure the development of calculus centuries later.
For the full article, check out Ars Technica


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The holiday season is usually a time to give, but sometimes you should be greedy with your gift-giving. Thanks to South Florida Honda Dealers' holiday specials, you can gift yourself some festive cheer with incredible, low-APR financing and lease deals on the newest 2016 and 2017 Honda models, such as the following:
- 2017 Honda Accord – With excellent ride handling, a spacious cabin fit for a king and his family, and top-of-the-line safety technology, the 2017 Honda Accord continues to be one of the best-selling vehicles in the country. From now through the beginning of the year, qualified buyers can nab an exceptional deal on this 2017 sedan at their local South Florida Honda Dealers near Pompano Beach, Miami, and Ft. Lauderdale.
- 2016 Honda Fit – As you've grown older, you've likely realized that big things often come in small packages. With the 2016 Honda Fit, that's never been more true to life. When you start your holiday shopping, don't miss out on this superb 36-month lease deal on Honda's unbelievably spacious five-door hatch. Qualified lessees can add the 2016 Fit to their driving repertoire with monthly payments starting at $139! Check out our inventory of Honda Fit hatchbacks and find your own Christmas miracle in savings.
- 2016 Honda Odyssey – The holidays mean family time, and larger families require a vehicle to accommodate their travels. The 2016 Honda Odyssey, with its innovative built-in vacuum, multiple combinations of seating arrangements, and feature-packed cabin, is a sight for a trekker's sore eyes. Get fantastic 0.9% APR financing on the Odyssey from our Miami Honda dealerships, and embrace every holiday voyage for years to come.
- 2016 Honda CR-V – Enjoy 0.9% APR financing for up to five years on the all-new CR-V, an SUV that has made a name for itself over the years. Thanks to a versatile and functional interior that utilizes folding seats for best-in-class roominess, and modern features and safety tech, the 2016 CR-V excels at everything from running errands to traveling along the sandy coastline. Enjoy the view from behind the steering wheel of a new CR-V for sale here at our car dealerships near Ft. Lauderdale, FL.
- 2016 Honda Civic – A striking new design and best-in-class handling and ride quality make the 2016 Civic one for the ages—one that can be leased at our car dealerships near Ft. Lauderdale during our Honda holiday sale. With monthly payments beginning at $169, this featured lease special on the 2016 Honda Civic sedan goes through the New Year, so start shopping today!
You can find similar specials on nearly all Honda models—just call your nearest South Florida Honda dealer location for specifics.
Honda College Grad and Military Special Programs
In addition to a wide selection of discounted vehicles, our current specials also include two very special programs for college grads and those who serve in the military.
If you're a new college grad (or will soon become one), our South Florida Honda Dealers would like to offer you up to $500 toward any leased or financed 2016 or later Honda model. Just bring in a copy of your diploma or transcripts and our dealers will point you toward savings.
In appreciation for their service, members of the U.S. military and their spouses can receive $500 toward a new Honda when financing or leasing. Speak to one of our experts for more details and the requirements to take advantage of this special Honda program.
The Happy Honda Days sale runs through January 3rd, 2017, so hurry up and visit any of our dealers' locations to find a magical deal on a brand-new Honda. Click here to locate your nearest South Florida Honda dealership and have yourself the happiest of holidays!


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Search the Community
Showing results for tags 'cyber'.
Found 3 results
rti activism: "punjab lokpal has no website or any existence on cyber space"
akhilesh yadav posted a topic in RTI in MediaThe Lokpal, Punjab a strong quasi judicial institution said to panacea for removal of corruption is reeling under desperation and has not been courteous of even making a simple website, a most desired tool of modern time to communicate with public. The local RTI activist, Parbodh Chander Bali who wanted to file a complaint with Lokpal, tried its level best on his computer to find simple official email id of Lokpal on www but he had to leave it as no information was available on web about the Lokpal Punjab. Not even Lokpal present office address is available. The Google search and other search engines show his location in sector 17, Chandigarh while in reality the office is located in 4th Floor, Sector 9, Punjab Mini Secretariat, Chandigarh The RTI act 2005 mandated on 15 June 2005 at its enactment that every Public Authority will be bound to make its information available by electronic modes. Moreover the RTI application can also be file online as per law. Now Lokpal, which itself is to deal with sensitive issues, made its existence zero. Most of the public even educated people do not know that Lokpal is functional in Punjab. Whereas The Punjab Government had many an expectations from this office. Lokpal never advertised regularly about its duties and functions to make Public aware of this institution. While a Retired High Court Judge is holding the prestigious office of Lokpal. The government had made it tooth less. Finally an RTI application is filed on 22/05/2015 by PC Bali to the Lokpal asking various question alongwith the reason that why no electronic connection is available with public by Lokpal which is mandatory otherwise as well as in RTI parameters. Read at: "PUNJAB LOKPAL HAS NO WEBSITE OR ANY EXISTENCE ON CYBER SPACEâ€
licence for cyber cafe
Nileshkumar99 posted a question in Ask for Non RTI SupportHello, how can i got licence for cyber cafe
rti happenings: Maharashtra: 300-odd cyber plaints pending since 3 months
karira posted a topic in RTI in Media300-odd cyber plaints pending since 3 months Navi Mumbai: In just past three months, investigation of 300-odd cases is pending with city's cyber cell department. The statistics came to light when Vashi resident Ajay Marathe filed an RTI, seeking the number of cases pending since the past three months. Marathe had earlier filed a complaint with Vashi police station on August 24 last year about a video on a social networking site that showed a youth torturing a stray dog. The matter was transferred to the cyber cell. "It has been six months since I lodged a complaint but there has been no development. So I sought the extent of department's backlog through RTI," he said. Even other residents have complained about the delay in detecting cases. Nerul resident Arati Chauhan said that she had lodged a complaint about an objectionable video of women is being sexually abused, is being circulated on Whatsapp. "It's been over four months but the case remains undetected. The cops said that the service provider was not sharing the details of any videos or chats," she said. Officer from the cyber cell affirmed that they face problems while investigating cases pertaining to online fraud, siphoning money from bank accounts or posting obscene videos on social media. "The concerned organizations should share the details, which doesn't happen in case of social sites and banks, causing delays," said an official. Ex-IB official Nainan Thomas said that if the organizations don't cooperate, activists and like-minded individuals should force the government to bring in an ordinance where no organization can withhold information required for police investigation. The cyber cell officials maintained that till October 2014, the cell has managed to detect 27% of the 522 cases that were registered. Read More: 300-odd cyber plaints pending since 3 months - The Times of India


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Kick Your Fitness Up a Notch
What exactly is Cardio Kickboxing? A combination of aerobics, boxing and martial arts, it's one of the most popular fitness trends to hit the gym in recent years, with total-body workouts that have motivated many people to start a fitness program. This intense regimen can improve strength, aerobic fitness, flexibility, coordination and balance. The American Council on Exercise, which evaluates exercise products and programs, notes that during a one-hour kickboxing workout you can burn from 500 to 800 calories (up to twice those burned during a one-hour step-aerobics class).
- 6-week class (please plan on attending all sessions)
- Starts April 8
- Classes take place on Mondays and Wednesdays, 12:15 – 12:45 p.m.
- Classes are held outside on the grass in front of the Health Sciences Library & Informatics Center
- Cost is only $30 per person
How to Enroll
Space is limited, so enroll early!
- Create an account online through SignUpGenius (only takes a few minutes)
- Be sure to sign up with the email address where you want to receive additional instruction on for the classes
- If you've created an account in the past, you do not need to create a new one
- Use this direct link to enroll
Once all slots are filled, you will see one of these three messages: "ALL SLOTS FILLED," "NO SLOTS AVAILABLE" or, "there are no remaining slots available for this item"
For more fun health and fitness info, check out the HSC Wellness page.
Brought to you by the HSC Wellness Program


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Business plan is important, outline of elements of a business plan
This content was COPIED from BrainMass.com - View the original, and get the already-completed solution here!
Say you aquired an auto detailing business and the business has experienced rapid growth where you need need to ask the bank for more financial help. You won't be able to get a loan without a solid business plan, but you are unsure exactly what the bankers are looking for:
Prepare an outline of the elements you would need to include in a business plan
What do bankers, lenders, or investors want to see in a business plan?
And what advice can you give someone when they are ready to present a business plan to a banker?© BrainMass Inc. brainmass.com June 4, 2020, 2:28 am ad1c9bdddf
Solution Preview
It has been said that the ability to effectively communicate ideas is the key to getting
those ideas recognized by the right people, namely the people in power or the people with the
money. Indeed, the goal of a business plan is to formally articulate the strategic direction for
While effective communication is an important skill and a necessity in the business
world, there are other reasons to design a business plan. These reasons attract even small
business owners to the possibilities of designing such a plan. For one, well-written business
plans typically attract investors. So while many would argue that numbers and statistics are the
least important component of the business plan, the single most important group of people with
whom it is essential to share strategy are the investors. These investors may be banks, friends,
relatives, or even ...
Solution Summary
The importance of business plans are determined. The expert outlines the elements of a business plan.


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Dry Mouth Treatment – Phoenix, AZ
Dry mouth is a condition in which the mouth feels dry or sticky because there isn't enough saliva. You may hear dentists use the term xerostomia, which is the medical term for dry mouth. The condition can be a side effect of medications or other medical conditions, such as the autoimmune disease Sjogren's syndrome. Dry mouth puts you at risk for dental health problems because saliva washes away food particles & bacteria & helps distribute tooth-strengthening minerals. If you are experiencing dry mouth on a regular basis, especially if drinking water doesn't seem to help, please let us know. We can recommend treatments for dry mouth, such as medicated mouth rinses.
Ready to Schedule Your Appointment?
At Weekend Dental Care, we have convenient hours that won't make you miss work or school.
- Monday: 7am-7pm
- Tuesday: 7am-7pm
- Wednesday: 7am-7pm
- Thursday: 7am-7pm
- Friday: 7am-7pm
- Saturday: 7am-7pm
- Sunday: 7am-7pm
Weekend Dental Care
• We Always Put You First!
• Budget-Friendly Dental care
• One Trusted Office for All Your Dental Needs
• Dentistry At Your Convenience


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K-2 Baseball
Brenda Tomlinson
Wednesday, May 23, 2018
Unity K-2 T-ball/Coach Pitch will be sharing schedules, uniforms, and rosters on Thursday, May 24th from 5-6 pm in the elementary cafeteria. All athletes that signed up should report to meet their team and coaches Thursday night.
Coaches please arrive at 4:45 pm to get your gear for the season.


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This package includes the MZ61 mower, 125B blower, and 322L trimmer
The MZ series zero-turn mower from Husqvarna takes performance, productivity, and comfort to a whole new level. The intuitive operator interface, heavy-duty steel frame and commercial rated hydraulic system create the ultimate mowing experience. With a rugged fabricated steel deck that is mulch and collection capable, the MZ is practical for all of your property maintenance needs. The high back seat with armrests and adjustable ergonomic steering levers will provide a comfortable ride time after time.
Revolutionary handheld blower that combines high power with state-of-the-art ergonomic design. The blower tube is engineered to be in line with the handle, minimizing rotational force on the wrist. The 125B blower is perfect for homeowner use.
Lightweight, reliable and affordable trimmer with long reach. A range of solutions makes the machine easy to use and maintain.
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The 2019 Acura MDX and 2019 Honda Pilot are two full-size SUVs that offer San Jose drivers plenty of performance prowess as well as solid reputations for safety. Additionally, either option will provide you with a host of luxe features. When compared side-by-side, however, you'll notice that the new MDX offers more power and exciting features. Explore the Honda Pilot vs. Acura MDX before deciding which one best suits your driving needs!
Both the MDX and Pilot are powered by front-wheel drivetrains and 3.5L V6 engines. The Pilot comes with a standard 6-speed automatic, while the MDX is equipped with a 9-speed automatic. The MDX will get you more power thanks to the engine's 290 hp and 267 lb-ft of torque.
In comparison, you'll get 280 hp and 262 from the Pilot's V6. Additionally, the MDX is the more fuel-efficient vehicle on Santa Clara roads. On the base powertrain, the MDX gets 20 mpg city/27 mpg highway.* The Pilot earns 19 mpg city/27 mpg highway.
The 2019 Pilot is offered with standard Honda Sensing. This suite of features includes safety technologies like lane departure warning and a collision mitigation braking system. However, the MDX offers these features standard as well. In addition to the comprehensive MDX safety features, the MDX safety ratings are what set the Acura SUV apart from the competition. The 2019 Acura MDX earned a five-star rating in NHTSA frontal crash tests, while the 2019 Honda Pilot earned just four stars.**
In terms of interior amenities and technology, the 2019 Acura MDX pulls ahead of its competitors. Even when you choose a base MDX model, you'll get more than what you'd get with the Honda Pilot Touring and Elite configurations. Inside the MDX interior, you'll find:
When you're ready to explore the MDX and its available exterior color options in person, contact us to schedule a test drive near Santa Cruz! Before coming by, be sure to explore our MDX Technology Package models, learn about MDX towing capacity, compare the MDX vs. Lexus RX or Audi Q7, and check out our Acura lease offers to get the best price on your next new Acura SUV.
*Based on 2019 EPA mileage ratings. Use for comparison purposes only. Your actual mileage will vary, depending on how you drive and maintain your vehicle, driving conditions, battery pack age/condition (hybrid only) and other factors.
**Government 5-Star Safety Ratings are part of the National Highway Traffic Safety Administration's (NHTSA's) New Car Assessment Program. For additional information on the 5-Star Safety Ratings program, please visit www.safercar.gov. Model tested with standard side airbags.
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Back in the fold
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Little did I know that Killifish are something else altogether. They are tropical fish and yet much is different from other tropicals. They spawn and lay eggs, just a few at a time, on a nearly daily basis. They are best housed in small aquariums. Two to ten gallon tanks are standard even for the larger Fundulopanchax sjoestedti (Blue Gularis). Dimly lit bare tanks are best. You won't see "Aquarium Beautiful" in many Killie fish rooms. Eggs are collected and handled manually. Yes ! They supposedly feel like very small craft beads. Killifish aficionados are nutty about live foods and they have this down to a science. Do I want to jump into this ? You bet your boots I do ! And If you want to see the most beautiful fish outside of the marine reef hobby look at Killies. Nothobranchius rachovii isn't the cover fish for most fish calendars for nothing. Anyone can keep Killies successfully with a 2 1/2 gallon and a 5 gallon tank. The small tank for breeding and the 5 for fry raising.


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Google Suite
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I'm thrilled to be able to help other super-busy business owners take some of the stress out of their lives. Being an online business manager, to me, means that I am there to partner with you to help you learn how to focus on what is essential to your life and find ways to simplify your life and your business.
Course Curriculum
Google Drive
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StartGoogle Drive Overview (5:29)
StartCreate + Upload Folders in Google Drive (2:45)
StartUploading Files to Google Drive (2:22)
StartSharing files and folders in Google Drive (3:08)
StartColor Coding Folders in Google Drive (1:23)
StartDownloading Files + Folders (1:35)
StartStarring or "Favoriting" files + folders in Google Drive (1:27)
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Frequently Asked Questions
When does the course start and finish?
The course starts now and never ends! It is a completely self-paced online course - you decide when you start and when you finish.
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How does lifetime access sound? After enrolling, you have unlimited access to this course for as long as you like - across any and all devices you own.
What if I am unhappy with the course?
We would never want you to be unhappy! If you are unsatisfied with your purchase, contact us in the first 30 days and we will give you a full refund.


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"Therapie" ist das Langspielfilmdebüt des preisgekrönten Autors und Regisseurs Felix Charin. In den Hauptrollen sind Tanisha Abt und Dominik Raacke zu sehen.
These are the first days in freedom for Alia Kolaj after four years in prison. She tries to beginn a new life and starts a psychotherapy with the well-respected psychiatrist Dr. Steinach. But his methods are getting stranger during the course of the therapy. Finally, it becomes obvious that there is a connection between Dr. Steinach and the victim of Alia and Dr. Steinach is driven by a desire for revenge.


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Stock Code: 00213
- No reclaimable VAT on this product
A magnificent, solid oak, six legged refectory table, with its large planked top, and five inch turned legs; a fantastic piece for any period property or country manor house. The table dates from the late Victorian period circa 1890, and is a typical, Jacobean revival piece of furniture. We have pictured this table with a magnificent set of ten, Jacobean style, barley twist set of chairs, but these are not included in this listing, but are listed separately. The table is in lovely condition for its age, with just general wear and tear which is to be expected from a piece of this age.
Height: 32"
Width: 32"
Depth: 108"
This item is now sold.
DELIVERY - £75.00 to England and Wales. For deliveries outside of this area, please contact us for a quote.
Please read our full Terms and Conditions.


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He cannot keep his eyes off you when he beholds you in that gorgeous saree perfectly flaunting your beauty. Go on a shopping spree of Indian sarees online at FashionWebz with unique floral print or grab an astonishingly glamorous sequin work saree. Choose an ethnic resham and booti work saree or a dainty Bhagalpuri silk saree, the choices are endless and irresistible.
I love it.. It is so nice dress and its comes with perfect fitting. I'm very happy with the product. Thank you
By : Heena, Oldham, UK
Material is good. good quality product! excellent designs, totally made for festive and party use . Thanks
By : Shaista, Birmingham, UK


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Department of Neuroscience
The Geelong Neuroscience Research Team has been actively involved in the conduct of Clinical Trials since 1987. The Department of Neuroscience at Barwon Health conducts research into the brain and the nervous system. Participating in large-scale global and national clinical trials as well as investigator initiated clinical trials, the Neuroscience Department has been held in high regard with its participation in research into Stroke, Multiple Sclerosis, Headaches and Migraines.
The Neurology Research Team operates in accordance with the standards required by the International Conference on Harmonisation Guidelines for Good Clinical Practice (CPMP/ICH/135/95) and the National Statement of Ethical Conduct in Human Research. The Research Team are currently involved in Stroke and Multiple Sclerosis Studies.
Last Modified: Wednesday, 14 November 2018
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Among the locations easily reached from the Amalfi Coast, the Parco Archeologico of Pompei is probably the place of greatest interest to visitors in the area of Vesuvius. A UNESCO World Heritage Site since 1997, it is one of Italy's most envied treasures in the world for its historic value with its well-preserved ruins dating back to ancient Rome.
Today, the archeological site is still being excavated. Only part of the ruins have been uncovered from when they were buried on 24 August of 79 B.C. when, suddenly, the eruption of Vesuvius overwhelmed Pompei and nearby Ercolano, Boscoreale, Oplonti and Stabia with ash and lava. Today, these cities tell of the life and traditions of the Romans that lived on the edge of the volcano and along the coast over 2000 years ago.
Herculaneum | Foto: Graham-H, via Pixabay
The eruption of Vesuvius didn't affect all the areas in the same way: the most important cities to visit to best understand how people lived in ancient times, are the ruins of Pompei and Ercolano. Ancient Pompei was a satellite city of Rome. Its customs, art, furniture, architecture and interiors are more visible at the sites around Vesuvius than in the Capital itself. In fact, before the discovery of Pompei and Ercolano, the details of Roman houses were only to be found in the writings of certain authors, such as Vitruvius.
What is the difference between the two main archeological sites? Pompei was buried in ash and lava, while Ercolano was "protected" by approximately 20 metres of mud that allowed for a more complete conservation of the city.
What to See in Pompei
To properly visit Pompei takes several days. Not to be missed, is the Villa dei Misteri with its "mysterious" frescoes over the colour red (known as Pompeian Red, in fact), then there's the Casa del Fauno Danzante (House of the Faun), one of the largest domus ever discovered, then on to Via dell'Abbondanza, the main street of the town where one can find, among other things, the Lupanare: a two-floored structure with erotic frescoes which informed clients of the activities performed in this house of ill-repute. Finally, one must see the pompeian plaster moulds: statues formed with plaster poured into the cavities left by the bodies of the carbonised citizens of Pompei themselves after the eruption. Recently, the Domus and its Botteghe were open to the public, as well as the House of the Triclinio and the House of the Floral Lararium.
The most important road of the ancient Pompei, Via dell'Abbondanza, Parco Archeologico di Pompei | Photo: falco, via Pixabay
What to See in Ercolano
Unlike Pompei, Herculaneum is small and it only takes a few hours to visit. Not to be missed is the Casa dell'Atrio a Mosaico which, as its name suggest, has an atrium floor completely composed of mosaic tiling. There is also the Casa of Neptune and Amphitrite with its spectacular polychrome mosaic and the wonderful Villa dei Papiri where 1800 papyrus documents were found along with sculptures in bronze and marble. Finally, there are the Terme del Foro (Thermal Baths) divided into two sections, male and female and, recently opened, the Casa dei Cervi where statues of deer being attacked by a pack of dogs were found.
The marvellous polychrome mosaic of Neptune and Afitrite in Villa dei Papiri, excavations at Herculaneum | Photo: Graham-H, via Pixabay
One of the common aspects of the two ancient cities was the vendemmia or grape harvest, the most lucrative activity in the area of Vesuvius thanks to its remarkable grapes, sought after the world over, even today. For a complete experience, it is possible to organise guided excursions through the hotel in the archeological areas with a lovely stop for refreshments at the Cantina del Vesuvio with tastings of local wines and a visit to the producer's vineyards. Maurizio Russo in fact, son of Giovanni, founder in 1948 of the little winery that Maurizio transformed later in the Cantina, explains to us how the visits are carried out and the reasons behind the company only using direct and online sales.
"Whoever comes to visit us, has the chance to discover, up close, the story of our company, the cultivation systems and the grapes themselves. We offer a visit to the vineyards, stopping on our wonderful terrace which has an incredible view of the sea around Capri and the Gulf of Naples. Since we're at 200 metres above sea-level, we have the possibility to offer a view that goes all the way to the ruins of Pompei. Then we offer a tasting of our wines with antipasti of local products like salami, bruschetta with tomatoes, cheeses, capocollo and then, we usually offer a primo piatto, spaghetti with Piennolo tomatoes from Vesuvius DOP. The pasta we use is produced locally by Pastificio F.lli Setaro of Torre Annunziata. Finally, for desert we offer a typical Neapolitan pastry with our prized grappa Lacryma Christi".
In the vineyards of Cantina del Vesuvio
At the end of the tasting, it is possible to visit the canteens, where the machines used for bottling and placing the wine in casks can be seen. It is a small-scale producer, dedicated to quality over quantity. This is the reason why Cantina del Vesuvio decided on using only direct and online sales for their wines.
"The wine we produce, in fact, is biological, therefore, it contains no sulphites," continues Giovanni Russo. "We have 12 hectares of vineyards, and the harvest occurs between September and October, depending on the crop. We make white, red and rosé Lacryma Christi, as well as a small quantity of extra virgin olive oil of Vesuvius and the vinegar of Lacryma Christi".
Maurizio Russo, the Founder of Cantina del Vesuvio
Whoever wishes may also take a Cooking Class (by reservation), a brief cooking lesson of 3-4 hours, where visitors can enjoy themselves, cooking the dishes they will eat later on as they taste local wines.
Author: Fabio Pariante - © 2018 ARTE.it for Nozio Business


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Experience the enchantment of Disneyland Paris' magical Christmas extravaganza from 9 November 2019 to 6 January 2020
The magic of Christmas kicks off on 9 November at Disneyland Paris. For nearly two months, guests can discover twinkling lights, watch the wonderful Disney's Christmas Parade and meet their favourite Disney Characters. And this year, Disney Princesses will be part of the celebration dance for the biggest gathering of Disneyland Paris royal couples.
The Christmas Season at Disneyland Park
Light up the tree with Mickey's Magical Christmas Lights
At nightfall, guests are in for a big surprise during the enchanting Christmas tree lighting ceremony, alongside Mickey, Minnie and Santa Claus. Together, they will light up the spectacular twenty-four-meter-tall tree in the middle of Main Street, U.S.A.
A sparkly celebration with Disney Princesses
During this Christmas Season, guests can attend The Starlit Princess Waltz located at the Royal Castle Stage. Ariel, Belle, Snow White, Cinderella, Jasmine, Rapunzel and Tiana, together with their princes, will join Aurora on stage for a magical ball. Available from 15 November 2019 to 5 January 2020.
Rediscover Disney's Christmas Parade
The traditional Disney's Christmas Parade will return to Disneyland Park with two performances every day. Mickey, Minnie, Donald and Goofy will open the procession of magical, colourful floats. From Winnie the Pooh and Friends, to Chip & Dale and The Three Little Pigs, this is an opportunity for guests to meet their favourite Disney Characters. And of course, Santa will end Disney's Christmas Parade on a high note from his sleigh.
Magical greeting experiences in a festive setting
At Disneyland Park, guests will feel the Christmas spirit as soon as they set foot inside, with snowmen, glowing Christmas trees and snow-covered decorations surrounding the giant Christmas tree on Main Street, U.S.A.
Thumper, Miss Bunny and Stitch will celebrate Christmas and the New Year in this magical setting. Santa Claus will also be there to welcome guests at "Meet Mickey Mouse" in a specially dedicated lodge until 25 December (inclusive). This is the perfect opportunity for guests of all ages to drop off their Christmas letter to Santa and capture the moment.
Let's Sing Christmas!
What would Christmas be without traditional songs? The Let's Sing Christmas show will feature the greatest Christmas tunes, together with Mickey, Minnie, Donald, Goofy and the singers. Every weekend, choirs will have the opportunity to perform on the Videopolis stage.
Find out more information on Disney Performing Arts here
The Enchanted Advent Calendar from 1-24 December
Guests will be able to take part in the Christmas magic as soon as Disneyland Park opens as The Enchanted Advent Calendar is back at the foot of Sleeping Beauty Castle. Every day a new surprise will be revealed together with Mickey, Minnie and Goofy.
The Christmas Season at Walt Disney Studios Park
A musical Christmas with Mickey's Christmas Big Band
Animagique Theater will be ringing again this year to jazz rhythms during Mickey's Christmas Big Band. This live show is in keeping with a traditional musical. It pays lively homage to winter's melodies featuring Disney Characters. The programme includes the big band orchestra, fast pace tap dance acts and even a solo by Mickey on the drums! Available from 15 November until 5 January 2020.
Following its success last season, the #SURPRISEMICKEY show will return to the Production Courtyard stage at the foot of The Hollywood Tower Hotel. And to celebrate Christmas in the best way possible, Minnie and her friends will have some new surprises in store for guests. Available from 15 November 2019 to 5 January 2020.
About Disneyland Paris:
Euro Disney Associés S.A.S, operating company of Disneyland Paris has 16 000 employees, 500 professions, 20 spoken languages and 121 nationalities. Disneyland Paris is the number one single-site employer in France and the largest private employer in the department of Seine-et-Marne. The Resort includes Disneyland® park, Walt Disney Studios® park, six Disney Hotels and 2 Disney Nature Resorts with a total capacity of more than 5,800 rooms, two convention centers, the entertainment center Disney Village® and a 27-hole golf course. In addition, the company manages the real estate development operating segment of a 2,230-hectare site, approximately 50% of which is yet to be developed. A 2 billion-euro, multi-year new development plan includes a transformation of the Walt Disney Studios Park, adding three new areas that are based on Marvel, Frozen and Star Wars, along with multiple new attractions and live entertainment experiences. The expansion plan is one of the most ambitious development projects at Disneyland Paris since its opening in 1992.


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Extra Hot Great
Talking TV new and old each week. Plus The Canon, Game Time and more!
We found 1 episode of Extra Hot Great with the tag "botched".
33: Summer TV Weather Report
June 9th, 2014 | 1 hr 54 mins
big brother, botched, clone high, halt and catch fire, hollywood game night, louie, masters of sex, orange is the new black, penny dreadful, rectify, the comeback, the real world, true tori, turn, veep, witches of east end
Joe Reid returns to talk about the shows we'll be enjoying in some A/C this summer.


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Episode 62
Daily Prayer | October 29, 2018
October 29th, 2018
11 mins 50 secs
Your Hosts
About this Episode
Daily Prayer Oct 29, 2018 | Pray with us through the weekly Revised Common Lectionary scriptures assigned that prior Sunday, usually including an Old Testament passage, two psalms, an epistle reading, and a Gospel lesson. Every weekday morning, a new 10-13 minute Lectio Divina prayer meditation will be uploaded. Lectio Divina is an ancient practice of scriptural reading, meditation, and prayer intended to promote communion with God and increase the knowledge of God's word. | Scriptures This Week: Jeremiah 31:7-9; Psalm 34:1-8, 19-22; Hebrews 7:23-28; Psalm 126; Mark 10:46-52


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Been a way a while. When I first started playing flyff there was private shops mostly in the cities. That was where you could find most of what you needed. Then they created a market place, forced private shops only to exist there which sucked. Then they allowed them outside the market place again. Then they got rid of the market place and I don't see private shops anywhere. Where are they now?
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a. The domain http://www.jhelum.in including any web-pages thereof is the web-site ("Website") of Jhelum (hereinafter "Jhelum", "we", "us" or "our") having its Registered Office at Kamla Spaces, Shop No. 7, Ground Flr., Off Link Road, Santacruz West, Mumbai, Maharashtra 400054
b. This policy sets out the terms and conditions, on fulfilment of which Jhelum may permit you to either (i) return the products and/or (ii) exchange them for other products.
c. This policy applies to all the products sold by Jhelum through the Website
d. You are requested to read our Terms and Conditions and other policies available on the Website in addition to this policy as the same are binding upon you.
Jhelum has a simple and hassle free return and/or exchange policy for certain products purchased from the Website provided following conditions are fulfilled:
1. This facility is available for patrons located in India only.
2. The products must be returned to Jhelum within 7 (seven) days from the delivery date.
3. Please check the list of non-returnable or non-exchangeable products at the end of the policy. Jhelum may update this list from time to time and without any prior notice to you.
4. The product must be returned in its original condition along with the invoice, all labels, tags, authenticity cards, dust bags, designer boxes, hangers, freebies, if any and other packaging intact sold as a part of the product.
5. Any garment sought to be returned or exchanged, should be unworn or unwashed. Garments that are found to be worn or damaged or soiled will not be accepted for return or exchange.
6. Products returned under this policy will be subject to quality testing/inspection.
7. If Jhelum accepts the product returned, you will be entitled to a "Jhelum Credit Note" only which can be used to purchase any other merchandise
8. Notwithstanding anything contained in this policy, Jhelum reserves a right to reject any request for return and/or exchange of any products without giving any reasons for the same. In such cases, products will be sent back to the customer at the original shipping address.
9. Jhelum Credit Note shall not exceed the value of the product returned and/or exchanged but may be subject to deductions of any benefits for example any discounts availed, shipping or delivery charges waiver, etc., if any.
In case of a conflict in any terms of Returns and Exchange Policy, the decision of Jhelum- J G D COUTURE shall be final and concluding, and you irrevocably withdraw your right to make any claim or demur on this ground.
1. Accessories, scarves, pocket square etc.;
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3. Altered products as per the specifications/measurements provided by you;
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5. Products which were identified/marked as non-returnable or non-exchangeable at the time of purchase;
Returns or Exchange Procedure:
- The returns procedure can also be initiated through the Website by following the below mentioned steps:
i If you made the purchase as a registered user, log in to your account to initiate the process.
ii If you made the purchase from the Website as a guest, please register on the Website using the same email address provided while purchasing the product so that your products appear in your order history. You can initiate the process of return only if the said product appears in your order history.
b.Alternatively, you can initiate the returns/exchange procedure by writing an e-mail to (_______________) Jhelum will email a 'Returns/Exchange Request Form' for you to fill up and email back to Jhelum .
- If you are not the actual purchaser but received the product from some Jhelum customer, (for example as gift), you will have to request the concerned Jhelum customer to initiate the return process.
- Upon receiving a 'R&E Request Form', Jhelum will generate a credit note number which will be shared with you. This credit notenumber must be used in all communication(s) with Jhelum .
- You can return the product by selecting any one of the below options in the R&E Exchange Request Form
(i) Ship it back to Jhelum by sending it to the address provided by us.. You will be solely responsible to ensure that the product is delivered to Jhelum in good condition and Jhelum will not be held liable for any damage caused to the product during transit.
(ii) Jhelum will send you a confirmatory e-mail upon receiving the products. Upon undertaking quality test and inspecting the product, Jhelum will inform you about its decision with respect to acceptance or rejection of the products within 2 (two) working days of receiving the product.
(iii) If Jhelum accepts the return/exchange request, value of the product returned/exchanged will be will be credited into Jhelum Credit Note in 5 (five) working days of receiving the product. However, if Jhelum rejects the return/exchange we will ship the product back to you.
(iv) If you have any questions, issues, or concerns about your return, or are having trouble with the online returns process, you can email us at (_____________________)
1) Jhelum credit note is valid for a period of 6 months from its date of issue.
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a) Exceeds the credit available in your Jhelum Credit Note, you must pay the differential amount.
b) Is less than the credit available in your Jhelum Credit Note, the remaining credit balance in your account with Jhelum after deduction of order value will continue to be available to you for subsequent transactions must be undertaken within______ from date of issue of Jhelum Credit Note.
1) For the purpose of this policy, the term 'incorrect product' means the product does not match the description or specification set out in the purchase order or Website with respect to colour, size, or material.
2) Jhelum takes utmost care to deliver the products as per your order. If incorrect product is delivered, you must notify us by sending an email at firstname.lastname@example.com within 2 days of receiving the product.
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Shipping is free within India. For shipments outside India, it shall be ten percent(10%) of the product cost.
Are there any duties and taxes?
For customers within India, all prices specified on the website are inclusive of Indian taxes and GST.
For customers outside India, duties are not included in the price. Customers are responsible for paying any import duties, custom fees, or local taxes. Jhelum will not reimburse these expenses. It is necessary to pay these in order to release your order from customs.
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Upon placing your order, you will see an order confirmation number on your screen. You will also receive an email confirmation from us. In case there are any issues with processing your order, you will be notified with an email.
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Orders within India should reach the customer within 5-7 days after the date of dispatch. Orders outside India should reach the customer within 5-7 days after the date of dispatch subject to product being ready.
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If you have any additional shipping relating queries, feel free to email us at (____________) or call customer care at +91 750 6262333.


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BMHC, Harlem week, jazz in the valley
Ron Scott | 8/8/2019, 1:09 p.m.
On Aug. 8, Bronx Music Heritage Center at 1303 Louis Nine Blvd., will present its new series New Voices in Latin Music, at 7 p.m. New Bojaira (Bo-hi-ra) blends jazz improvisation with flamenco rhythms and singing to create a combination a multi-cultural excursion.
The band will include; pianist Jesús Hernández, singer/flutist Alfonso Cid, bassist Tim Ferguson and drummer Mark Hoten. The band will join forces with saxophonist Peter Brainin and flamenco dancer Elisabel Torras. If you have never experienced flamenco dancing don't miss this opportunity. Admission is $7. For more information visit thisisbronxmusic.org or call 917-557-2354.
As a partner with HARLEM WEEK Jazzmobile will present their annual Great Jazz on the Great Hill (West 106th Street and Central Park West) on Aug. 10, 4 p.m.-7 p.m.
Featured musicians include; trombonist, composer and vocalist Wycliffe Gordon. His repertoire includes singing the blues and infusing fire into his jazz compositions; Harlem's own Alyson Williams will bring her personal brand of R&B, soul and jazz to the big hill. Harlem Renaissance Orchestra is returning from their blazing performance at the Newport Jazz Festival and fresh off their recent Grammy album win for their album "Anniversary," performs their own brand of New York hard-core salsa with prominent pianist and arranger Oscar Hernández leading the band. This dynamic orchestra uses their own style to reverberate with the sounds from those days when the architects like Tito Puente, Eddie and Charlie Palmieri, Johnny Colon and Ray Barretto ruled.
The all-woman ensemble Sage refuses to be categorized. These young ladies have their own unique style and each are rising bandleaders, who as a collaborative force, blend jazz in and out of its normal spectrum. The musicians are; Harlem's noted saxophonist Lakecia Benjamin, pianist Yayop Ikawa, bassist Mimi Jones, Charisa The Violin Diva, violinist Kersten Stevens and drummer Taylor Moore.
Some upcoming highlights for HARLEM WEEK include "Summer in the City" on Aug. 17 featuring; The Higher Education Fair & Expo from noon-5 p.m. offers students and parents information on private, state universities and HBCUs. Some colleges represented at the fair are; SUNY Purchase, SUNY Old Westbury, Columbia University, Hunter College, Clark Atlanta University, MeHarry Medical College and Spellman. "Our program gives students and parents an opportunity to get vital information on financial assistance, requirements for scholarships, the application process and other resources," stated Winston Majette, executive director of HW & Higher Education Expo Coordinator with Michael Flanigan.
On the same day the Harlem "Spelling Bee" takes place at the Schomburg Center for Research in Black Culture from 3 p.m.-5 p.m. "This is one of those special events that will make you say wow," said Jackie Rowe Adams, the founder. The Spelling Bee includes students from kindergarten to fifth grade with no more than 15 participants. "All of the children are awarded certificates and other gifts," noted Adams. She is also the founder of "Harlem Mothers and Fathers Save," a nonprofit organization for parents and family members who have lost children to gun violence.
Later in the evening from 6 p.m.-9 p.m. ImageNation Film Festival will screen "If Beale Street Could Talk" (adapted from James Baldwin's 1974 novel) at St. Nicholas Park Great Lawn (West 135th Street). Moikgantsi Kgama founded ImageNation in 1997, "I felt there were films about Black people that needed to be distributed by us."


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Mann's Public Enemies to gain Marion Cotillard
The cast for Michael Mann's Public Enemies really is growing strong as word comes today that Marion Cotillard is in negotiations for a role.
She's an excellent actress and is joining an already highly impressive cast.
In Public Enemies Johnny Depp and Christian Bale are already starring with Depp playing John Dillinger and Bale the FBI agent Melvin Purvis who hunts he, and other famous criminals such as Baby Face Nelson and Pretty Boy Floyd, down.
The story comes from the novel Public Enemies: America's Greatest Crime Wave and the Birth of the FBI, 1933-34 by Bryan Burrough (Amazon.co.uk / Amazon.com) which tells the story of the Government's attempt to stop these infamous criminals.
With Michael Mann directing it we're in for an exciting and gritty film, bringing more reality than the gangster films we've seen to date, and that's something to look forward to on it's own, never mind this growing cast.
According to Reuters through Yahoo News Marion Cotillard is to play the girlfriend of Dillinger.


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Data security
Information about the collection of personal data
- In the following we inform you about the collection of personal data when using our website. Personal data comprise all data that can be personally related to you, such as name, address, e-mail addresses, user names, user behavior.
- The person responsible according to Art. 4 para. 7 EU Data Protection Basic Regulation (GDPR) is EMUGE-Werk Richard Glimpel GmbH & Co. KG, Nürnberger Straße 96-100, 91207 Lauf, Germany (see our Imprint).
- You can contact our data protection officer at our postal address with the addition "Data Protection Officer" or write an email to
- firstname.lastname@example.com
- When you contact us by e-mail or via a contact form, the data you provide (your e-mail address, if applicable your name and your telephone number) will be stored by us in order to answer your questions. We will delete all data received within this context once storage is no longer necessary, or restrict processing if legal retention obligations exist.
- If we use contracted third-party service providers for individual functions of our offer or use your data for marketing purposes, we will inform you in detail about the respective processes below. We will also specify the defined criteria for the storage period.
Your rights
- You have the following rights vis-à-vis us with regard to personal data relating to you:
- Right to information,
- Right to correction or deletion,
- Right to restriction of processing,
- Right of opposition to the processing,
- Right to data transferability.
- You also have the right to complain to a data protection supervisory authority about our processing of your personal data.
Collection of personal data when visiting our website
When using the website for information purposes only, when you do not register or otherwise provide us with information, we only collect the personal data that your browser transmits to our server. If you wish to view our website, we collect the following data, which are technically necessary for us to display our website to you and to guarantee stability and security (legal basis is Art. 6 Para. 1 S. 1 lit. f GDPR): - IP address
Use of cookies:
(a) This website uses the following types of cookies, the scope and function of which are explained in the following:
(c) Persistent cookies are automatically deleted after a specified period, which may vary depending on the cookie. You can delete cookies at any time in the security settings of your browser.
(d) You can configure your browser settings to suit your preferences and, for example, refuse the acceptance of third party cookies or all cookies. Please note that you may not be able to use all functions of this website.
- Date and time of the request
- Time zone difference to Greenwich Mean Time (GMT)
- Content of the request (specific page)
- Access status/HTTP status code
- Amount of data transferred in each case
- Website from which the request comes
- Browser
- Operating system and its interface
- Language and version of the browser software.
Use of cookies:
(a) This website uses the following types of cookies, the scope and function of which are explained in the following:
- Transient cookies (see (b)),
- Persistent cookies (see (c)).
(c) Persistent cookies are automatically deleted after a specified period, which may vary depending on the cookie. You can delete cookies at any time in the security settings of your browser.
(d) You can configure your browser settings to suit your preferences and, for example, refuse the acceptance of third party cookies or all cookies. Please note that you may not be able to use all functions of this website.
Additional functions and offers of our website
- In addition to the purely informational use of our website, we offer various services which you can use if you are interested. Normally, you must provide further personal data, which we use to provide the respective service and to which the aforementioned data processing principles apply.
- In some cases, we use external third-party service providers to process your data. These have been carefully selected and commissioned by us, are bound by our instructions and are regularly checked.
- Furthermore, we may pass on your personal data to third parties if we offer participation in promotions, conclusion of contracts or similar services together with partners. For more information, please provide your personal data or see the description of the offer below.
- If our service providers or partners are based in a country outside the European Economic Area (EEA), we will inform you of the consequences of this circumstance in the description of the offer.
- If we use your data for marketing purposes, we store your data as long as you wish to receive information on the respective advertising topics or as long as we wish to remain in contact with you.
Use of our webshop and download portal
- If you wish to order from our webshop, you must provide the personal data we need to fulfil your order before the contract can be concluded. We will process the data you provide in order to fulfil your order. You have the option of creating a customer account, which will allow us to save your data for any future purchases. You can also register for our download portal. When an account is created, the data you provide will be stored. You can withdraw your consent to this storage at any time. Data will be deleted once it is no longer required in order to fulfil the purpose for which it was originally collected.Please be aware that we are obliged under commercial and taxation legislation to retain your order details beyond the end of the contract until the statutory retention periods and/or any contractual warranty and guarantee rights have expired.
Information on news and events
- You can subscribe to our newsletter by providing your consent for us to send it to you. The newsletter contains details of our latest products and events.
- We use the so-called 'double opt-in' procedure for newsletter registrations. As part of this procedure, once you have registered we will send an e-mail to the address you provide during registration. This e-mail will contain an activation link for your account and newsletter registration. We will also save the IP address used by you, and the times at which you submit and confirm your registration. The purpose of this procedure is to ensure there is a record of your registration and to allow us to investigate any potential abuse of your personal data.
Once we receive your confirmation, we will store your e-mail address for the purposes of sending the newsletter to you. The legal basis for processing this data is Art. 6 (1) (1) (a) GDPR.
- You can cancel your subscription at any time by revoking your consent to receive the newsletter. You can revoke your consent by clicking the link provided in all newsletter e-mails, or by notifying us using the contact details given in the legal notice.
Opposition or revocation against the processing of your data
- If you have given your consent to the processing of your data, you can revoke this at any time. Such a revocation influences the permissibility of processing your personal data after you have given it to us.
- If we base the processing of your personal data on the balance of interests, you may object to the processing. This is the case if processing is not necessary in particular to fulfil a contract with you, which is described by us in the following description of the functions. When exercising such objection, we ask you to explain the reasons why we should not process your personal data as we have done. In the event of your justified objection, we will examine the situation and either stop or adjust data processing or point out to you our compelling reasons worthy of protection, on the basis of which we will continue processing.
Use of Google Analytics
- This website uses Google Analytics, a web analysis service by Google Inc. ('Google'). Google Analytics uses so-called 'cookies'. Cookies are text files that are saved on your computer and allow your use of the website to be analysed. The information generated by the cookie about your use of this website is usually transferred to a Google server in the US and stored there. However, if IP anonymisation is activated on this website, your IP address will be truncated within European Union Member States or other signatory countries to the European Economic Area Agreement before being transferred. The full IP address will only be transferred to a Google server in the US and truncated there in exceptional circumstances. Google will use this data on behalf of the website operator to assess your use of the website, compile reports on website activities and provide the website operator with additional services in connection with the use of the website and of the Internet.
- The IP address transmitted by your browser in connection with Google Analytics will not be combined with other Google data.
You can prevent cookies from being stored by changing the appropriate settings on your browser. However, please be aware that doing so may prevent you from making full use of all the features of this website. You can also prevent the data generated by the cookie relating to your use of the website (including your IP address) from being collected and processed by Google by downloading and installing the browser plug-in available at http://tools.google.com/dlpage/gaoptout?hl=en.
This website uses Google Analytics with the extension '_anonymizeIp()'. Using this extension ensures that IP addresses are processed in truncated form, and therefore cannot be associated with any individual. Any identifying details in the data collected about you will be immediately excluded and any personal data will be immediately deleted.
We use Google Analytics to analyse the use of our website and continuously improve it. The statistics generated allow us to improve our Internet presence and provide a more interesting website for you as a user. For exceptional cases in which personal data is transferred to the US, Google has signed up to the EU-US Privacy Shield, as set out at https://www.privacyshield.gov/EU-US-Framework. The legal basis for the use of Google Analytics is Art. 6 (1) (1) (f) GDPR 2
Third-party provider details: Google Dublin, Google Ireland Ltd., Gordon House, Barrow Street, Dublin 4, Ireland, Fax: (+353-1) 436-1001. Terms of service: http://www.google.com/analytics/terms/gb.html, Privacy overview: http://www.google.com/intl/en/analytics/learn/privacy.html, and Privacy Policy: https://policies.google.com/privacy?hl=en
This website also uses Google Analytics for cross-device analysis of visitor streams. This analysis is carried out on the basis of a user ID. You can deactivate cross-device analysis of your use of the website by going to 'My Data' and then to 'Personal Data' in your customer account.
Use of Google Tag Manager
- This site uses Google Tag Manager. Google Tag Manager is a solution that allows marketers to manage website tags via an interface. The Tag Manager tool itself (which implements the tags) is a cookie-less domain and does not collect any personal data. However, the tool does trigger other tags, some of which may themselves collect data. Google Tag Manager does not access this data. If data collection has been deactivated at domain or cookie level, the deactivation will apply to all tracking tags implemented using Google Tag Manager.
Use policy
Tagmanager Policy
Use of Google AdWords Conversion
- We use the services provided by Google AdWords to draw attention to our attractive offers on external websites with the help of advertising material (known as Goggle AdWords). The data for the advertising campaigns allows us to determine the effectiveness of individual advertising activities. In analysing this data, we are pursuing our interest in showing you advertising that is of interest to you, making our website more interesting for you as a user, and ensuring advertising costs are calculated fairly.
- This advertising material is delivered by Google via so-called 'ad servers'. As part of this process we use ad server cookies. These cookies allow us to measure certain success indicators, such as the number of advertisements displayed or the number of user clicks. If you reach our website via a Google advertisement, Google AdWords will save a cookie on your PC. These cookies generally cease to be valid after 30 days, and are not designed to identify you personally. A number of details are usually saved along with the cookie for analysis. These include the unique cookie ID, the number of ad impressions per placement (frequency), the last impression (relevant for post-view conversions) and opt-out information (a marking showing that the user does not wish to be contacted again).
- These cookies allow Google to recognise your Internet browser. If a user visits certain pages on an AdWords customer's website, and provided the cookie saved on their computer has not expired, Google and the customer will be able to see that the user clicked on the advertisement and was re-directed to the page concerned. Each AdWords customer is assigned a different cookie. This means that cookies cannot be tracked across AdWords customers' websites. We do not ourselves collect or process any personal data in connection with the advertising activities described above; Google provides us with statistical analyses only. These analyses allow us to determine which of the marketing activities used are particularly effective. We do not receive any further data as a result of our use of the advertising; specifically, we cannot use the information we receive to identify users.
- Due to the nature of the marketing tools we use, your browser will automatically establish a direct connection with Google's servers. We do not have any influence on the extent and subsequent use of the data collected by Google as a result of the use of this tool. The information provided below is therefore accurate to the best of our knowledge: The integration of AdWords Conversion means that Google will be informed that you have retrieved the relevant part of our Internet presence or have clicked on one of our advertisements. If you are registered with a Google service, Google can associate your visit with your account. Even if you are not registered with Google and/or are not logged in to your account, it is possible that the service provider may become aware of your IP address and store it.
You can opt-out of this tracking procedure in a number of ways as follows:
a) By changing the appropriate settings on your browser. Specifically, you will not receive advertisements from third-party providers if you block third-party cookies.
b) By deactivating cookies for conversion tracking. You can do this by changing your browser settings such that cookies from the domain 'www.googleadservices.com' are blocked (go to https://www.google.co.uk/settings/ads). These settings will be deleted if you delete your cookies.
c) By deactivating tailored advertising from providers that participate in the 'About Ads' self-regulation scheme. You can do this via the link http://www.aboutads.info/choices. These settings will be deleted if you delete your cookies.
d) By permanently deactivating this feature in Firefox, Internet Explorer or Google Chrome browsers by going to http://www.google.com/settings/ads/plugin. Please be aware that doing so may prevent you from making full use of all the features of this website.
The legal basis for processing this data is Art. 6 (1) (1) (f) GDPR. You can find further information on Google's privacy policies at https://policies.google.com/privacy?hl=en and https://services.google.com/sitestats/en.html Alternatively, you can visit the Network Advertising Initiative (NAI) website at http://www.networkadvertising.org. Google has signed up to the EU-US Privacy Shield, as set out at https://www.privacyshield.gov/EU-US-Framework.
We also use retargeting, which requires the use of cookies. Retargeting refers to the delivery of tailored advertising to other advertising space outside of our Internet presence. This practice means further advertising can be shown to you relating to the services/products you viewed on our website after your visit to our site. The cookie used by our advertising partner (ad pepper) allows your end device to be recognised. This allows our advertising partner to recognise your interest in certain products on the basis of your visit to our website, and to display targeted advertising to you on other websites. As part of this process, platform161, a service provider working on behalf of ad pepper, shares indicators with other advertising partners as required, and exchanges additional information regarding your interest with them in order to deliver targeted advertising. If you do not want to be shown tailored advertising, you can deactivate this feature at http://ilead.itrack.it/privacy/
Use of Facebook as a social media plugin
- We currently use the Facebook social media plugin. We use the so-called '2 clicks' system for the plugin. This means that no data is forwarded to the plugin provider (in this case, Facebook) when you first visit the site. You can identify the plugin provider from the marking on the box above the first letters of its name, or from its logo. We give you the option of communicating directly with the plugin provider using the button. The plugin provider will only be informed that you have retrieved the relevant page of our online presence if you click on the marked area to activate the plugin. The data listed in Section 3 of this statement will also be transmitted. According to Facebook, IP addresses are anonymised in Germany immediately after collection. This means that activating the plugin will result in your personal data being transmitted to Facebook and stored in the US. As the plugin provider gathers most of the data it collects using cookies, we recommend that you use the security settings on your browser to delete all cookies before clicking the greyed-out area.
- We have no influence over the nature of the data collected or how it is processed, and are not aware of the extent of the data collection, the purposes for which it is processed, or the associated retention periods. Nor do we hold any information on whether and how the data is deleted by the plugin provider.
- The plugin provider will store information collected about you in the form of a user profile and will use it for advertising and market research purposes, or to ensure its website is fit for purpose. In particular, data will be analysed in order to provide tailored advertising and inform other social network users of your activity on our website – this also applies to users not logged in to the social network. You have the right to object to the creation of user profiles. To exercise this right, contact the plugin provider concerned. By incorporating plugins into our website, we are providing you with the opportunity to interact with social networks and other users, allowing us to improve our Internet presence and provide a more interesting website for you as a user. The legal basis for the use of plugins is Art. 6 (1) (1) (f) GDPR.
- Data will be transmitted regardless of whether you have an account with the plugin provider, and whether you are logged in to it or not. If you are logged in to your account with the plugin provider, any of your data collected from our website will be directly associated with your existing account with the plugin provider. If you use the activated button and link to the page, for example, the plugin provider will also save this information in your user account, and will share it publicly with your contacts. To prevent data being associated with your existing profile with the plugin provider, we recommend that you log out of all social networks after use, and particularly before activating the button.
- You can find more information about the purpose and extent of data collection and how it is processed by the plugin provider in the provider's privacy policies, which can be accessed via the links below. In these policies you will also find additional information on your rights in relation to your data and how you can change your settings to protect your privacy.
The addressees and URLs of the plugin provider Facebook and its data protection notices, are: Facebook Inc., 1601 S California Ave, Palo Alto, California 94304, US; http://www.facebook.com/policy.php; further information on data collection: http://www.facebook.com/help/186325668085084. Facebook has signed up to the EU-US Privacy Shield, as set out at https://www.privacyshield.gov/EU-US-Framework.
Integration of YouTube videos
We have integrated YouTube videos into our online offer, which are stored on http://www.YouTube.com and can be played directly from our website. These are all integrated in the "extended data protection mode", i.e. no data about you as a user will be transmitted to YouTube if you do not play the videos. Only when you play the videos will the data referred to in paragraph 2 be transmitted. We have no influence on this data transmission.
By visiting the website, YouTube receives the information that you have accessed the corresponding subpage of our website. In addition, the data mentioned under point 3 of this statement are transmitted. This is independent of whether YouTube provides a user account through which you are logged in or whether no user account exists. If you are logged in to Google, your information will be directly associated with your account. If you do not wish to be associated with your profile on YouTube, you must log out before activating the button. YouTube stores your data as user profiles and uses them for purposes of advertising, market research and/or demand-oriented design of its website. Such an evaluation takes place in particular (even for unlogged-in users) to provide demand-oriented advertising and to inform other users of the social network about your activities on our website. You have the right to object to the creation of these user profiles, although you must contact YouTube to exercise this right.
Further information on the purpose and scope of data collection and its processing by YouTube can be found in their data protection declaration. There you will also find further information about your rights and setting options to protect your privacy: https://www.google.de/intl/de/policies/privacy. Google also processes your personal data in the USA and has agreed to comply with the EU-US Privacy Shield, https://www.privacyshield.gov/EU-US-Framework.