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Serving Greater Atlanta, Marietta, Kennesaw, & Surrounding Area
From helping file roof insurance claims to inspecting the roof & completing repairs, we provide our customers with the peace of mind they deserve.
Hail, wind and storm damage are considered an insurance loss on your homeowner's policy. Most insurance companies will pay the entire cost, less your deductible, for replacing the roof if it is damaged. The claim is also considered a natural disaster and does not count against you for future rate increases. Bonner Built Roofing specializes in accident and weather related damage repair and replacement, including: roofing, gutters, siding, windows, interior painting and water remediation, sheetrock, ceiling texture, flooring, and carpet cleaning. We will help you deal with your insurance company and meet with your insurance adjuster. Our involvement prevents you from getting stuck with a settlement that won't cover your costs, or even worse, getting denied.
With Bonner Built, you pay no out-of-pocket expense other than your insurance deductible. We agree to accept what your insurance company will pay for the claim, and ensure the highest quality replacement.
Contact us right away so that the wind, hail, or other damage done to your roof can be fixed as quickly as possible to prevent mold damage from roof leaks and other related issues. We will provide a comprehensive roof inspection and no-obligation quote for repair or replacement of your roof, siding, and gutters. Give us a call at 1-855-688-9948 for fast, professional service in Marietta, Kennesaw, Smyrna and surrounding areas.
Looking for a price? Get a no cost, no obligation free estimate.


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To make a long story short..
1) I just want to know if you have to have the sat cable hooked up to get bash. (i wouldn't think so)
2) I have read many posts with different ways of getting bash. Some say you have to hit enter once when you plug tivo in, some say hit enter many times, some say don't hit anything. What do i have to do if i am using 2.5extreme?

subset: commoncrawl


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Natural Mystic
Product Description
Short Description: Natural Mystic is a large rectangular wrap which features various stitch patterns and colors. This bohemian, earthy wrap was inspired by the earth's elements; it showcases raindrops, ridges and stockinette sections. First, a center panel is knit and then stitches are picked up around the edges and the rest of the wrap is worked from the center out, increasing at each of the four corners. A smooth and stretchy I-cord bind off is worked on the outermost edge. The design is knit up in O-Wool Local which blends alpaca and wool to give this wrap softness, warmth, and a lovely drape.
Gauge: 18 sts and 24 rows over 4" in stockinette
Finished Measurements: 56" X 28" Rectangle
Materials: Worsted Weight Yarn- Pictured in O- Wool Local (50% Alpaca, 50% Wool)
- A: Light Blue/ Wissahickon: 440 yards
- B: Brown/ Red Squirrel: 220 yards
- C: White/ Fringe Tree: 215 yards D: Teal/ Cresheim Creek: 180 yards E: Green/ Wood Fern: 235 yards
Needle Size: 3 sets of size 6 (4mm) 40" Long circulars
Pattern Includes:
Skill Level: Intermediate
Other Details:


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Klesas: Abhinivesa
Jul 31-Aug 6: Lesson 112: Abhinivesa (Fear)
What has helped me with my own fear, worry or anxiety is, ironically, not to be afraid of it. Feel it. Look at it. Know it. Befriend it. Can you feel it in your breath and your posture?
A message is trying to get through that is very important for us to hear. That message might be "Stand strong" or "Believe in yourself". Or it might be "Surrender". "Trust".
What is the message of your fear?


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We have a professional team willing to help and advise you so that the purchase of your property can be achieved successfully. From the time you confide in our expertise to help you buy a property, we offer a comprehensive variety of services.
If you leave your property search in our hands we will use our expertise and contacts to find the properties that match your needs.
We will give you advice about the property market, arrange viewings and be at your side until you find the right home.
Once you have decided for a property we can help you with an evaluation and a technical check-up to avoid any future surprises.
Finally, when we pinpoint the specific property we will set up a plan to secure you the best possible deal.
When contracts have been exchanged we can take care of the management of your property, any reformation works or maintenance.
Our aim is to make your property purchase a pleasant experience!


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Additional Information: I confirmed with direct battery hookup that the black motor doesn't spin at all.
Do you mean that the black motor will not spin even when you connect a battery directly to it?
They will not usually supply enough power to drive one motor never mind two. If you can use 6 x AA batteries instead it will work much better.Steve


text: In this study we study how homosexuality has legally gone from exclusion to inclusion in migration law and what ideological understandings that underpin this inclusion. The data corpus of the study consisted of the preparatory work concerning same-sex sexuality, cohabitation and migration. Data was coded for patterns concerning the public administrative understandings of same-sex sexuality as described in the preparatory works. The coding was theoretically driven by critical and Marxist approaches to ideology. Conducting a thematic analysis, four themes were identified in the data. The overall finding is that the preparatory works give precedence to sexuality in terms of disposition (läggning) when it is linked to identity and intensions to engage in a long-term relationship. This means that alternative sexual identities and practices not compatible with the "heterosexual matrix" have been excluded from the ideological lens. The ideological focus in the preparatory works could be seen as a reflection of the capitalist system, where some social categories are viewed as desirable to include in a capitalist society.


text: This little community boasts big escape to the great outdoors with the best trout fishing in Iowa! It's the perfect place to get away from the daily grind. Whether you hunt, fish, hike or just want to relax in a beautiful setting Highlandville is the perfect destination for your journey.


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The Heirloom Wrap Small
carry and share your favorite pie
$4 will donate 1 mask + pay local seamstressDONATE HERE
Millie Lottie Hostess Apron in Fine Cooking Magazine
Object of Desire: Multipurpose Insulated Picnic Totes by Millie Lottie - they are multipurpose and not just for picnics (take the cutting board out and use it as a market bag, beach bag, overnight bag, or in my case, a sports bag)
I stepped up my bag game when I found Millie Lottie bags. Made of durable canvas, a scorch-proof:wipeable lining, they are perfect for carrying a hot-out-of-the-oven casserole to Thanksgiving dinner, bringing appetizers to the Hollywood Bowl or a picnic lunch on the beach. They come with a beautiful cutting board that fits perfectly into the bottom and is great for stability, elastic pockets for wine bottles or salad dressing. My favorite part is that they are stylish and made in San Francisco by a women-run company.
"My Millie Lottie tote makes an ideal beach bag since it has an insulated liner along the bottom that helps keep foods and drinks cold and protects the bag from wet towels and suits.
This amazing insulated tote from @millielottietotes holds a 9x13 inch pan, say full of lemon bars.
I am so loving my tote and have gifted two other's in the past month...beauty and function co-existing while supporting strong women and entrepreneurship in the contest of sharing a meal. BOOM! What a powerful and practical partnership.
Love my Etta Tote for delicate produce, kept straight by the cutting board. I love supporting women-run business, made locally.
Reflecting on Thanksgiving, I realize that it was much more than a single day of giving thanks but rather a time of gratitude, plenty, healing, love and community on Peace and Plenty Farm and learned a lot about growing and harvesting saffron.
A day making Hamantaschen with my daughter using a variety of jams, homemade and locally produced jam inspired by the video of Jake Cohen on @thefeedfeed making his Chocolate Chip Hamantaschen.
I was officially crowned Focaccia-mama by my kids as my bake was being devoured, admittedly while I was tooting my horn prancing around the kitchen full of pride as I mastered the Ligurian Focaccia recipe from Salt Fat Acid Heat.
Today I turned ripe pears in to Mom's Skillet Pear Cake from Bi-Rite Market,s Eat Good Food Cookbook. While the cake was in the oven, I invited the group of teen girls waking up from a New Year's sleepover for an impromptu tea party.
carry and share your favorite pie
Millie | Lottie may just be your ONE tote


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Mildred Bronstein
Mildred Bronstein leaves behind a rich legacy of kindness and generosity at Swedish Covenant Hospital…Read More
Harlan Didrickson
After years of suffering and searching for answers, Harlan Didrickson was able to get the answers he needed…Read More
Morgan and Helen Fitch
Mr. Morgan L. and Mrs. Helen Fitch were passionate about justice. This was exemplified through Mr. Fitch's legal career, as well as…Read More
Michele Greenberg
Michele Greenberg fondly remembers her father, Jack, for his generosity, kind heart and sense of humor. He often…Read More
Janelle Hail
Janelle Hail, a 30-year breast cancer survivor, is the Founder & CEO of the National Breast Cancer Foundation, Inc. (NBCF)…Read More
Barbara M. Jones
As head of the Nursing Division at Swedish Covenant Hospital for 14 years, Barbara M. Jones, understands the value…Read More
Janet McBride
Through a fulfilling career in nursing, which brought Janet McBride from Northwest Indiana, to Chicago then…Read More
Ken Norgan
From a young age, Ken Norgan remembers his family's involvement with philanthropy. It is no surprise, then, that…Read More
Tony Ocasio
Tony began his career at Swedish Covenant Hospital in 1974 as a Clinical Lab Assistant, doing everything from…Read More
Darin Ortmann
Darin Ortmann remembers what it's like to be a child in the hospital around the holidays. At the age of five…Read More
Ramesh Patel, PharmD
Giving should be from the heart according to Ramesh Patel, PharmD, Senior Director of Pharmacy Services and Clinical Research…Read More
Richard and Roxy Pepper
Richard Pepper grew up visiting his grandparents who lived near Swedish Covenant Hospital on Leland Avenue…Read More
Connie Putney
Connie Putney credits Swedish Covenant Hospital with saving her life. As a long-time member of Galter LifeCenter…Read More
Tom and Mary Ann Spicer
Swedish Covenant Hospital holds a special place in the hearts of Tom and Mary Ann Spicer. The physicians…Read More
Ariel Tolentino
Ariel Tolentino is happy to be alive. Following a quintuple coronary artery bypass graft surgery, he's accomplished…Read More
The Witz Family
In the early 1960's Leo Witz formed a relationship with Swedish Covenant Hospital that has spanned nearly six…Read More
Dr. Sharuk Yelda
Dr. Sharuk Yelda served as an orthopedic surgeon at Swedish Covenant Hospital for 27 years. Today, he credits…Read More
Just a few days before Christmas, Tom was working at his downtown office when he began to feel ill. He decided to…Read More
When Carol fell in August 2013, she was hesitant to call for help, thinking her injury would improve. However, after waiting…Read More


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Professional Community for Car Dealers, Marketing, Advertising and Sales Leaders
Whether you like it or not, TrueCar.com says they are all about truth and transparency for the car-buying public.
The benefit of transparency for the car buyer is that he or she can learn what others actually pay for a new vehicle -- plus, he or she can locate where the dealers are who price his or her next car favorably in relation to the competition.
The benefit for the dealer who advertises on TrueCar.com is in being where the buyers are. Marketing to potential buyers with an upfront, haggle-free price also conveys a hassle-free buying experience. Which is further recommendation for the dealer who shows favorably on TrueCar.com, their open partners and their member-affiliated groups.
After seeing that the Colorado state regulators announced today they will be enforcing tighter compliance with the rules that car dealers must follow when advertising pricing, among other things, I wondered what a Colorado car shopper sees when researching a new vehicle on Truecar.com.
Below, I selected a typically configured and readily available new Chevrolet, a 2012 Equinox front-wheel drive LS with standard features, listing at $24,260 MSRP.
According the the chart below, the average sale price is somewhere between list price and invoice, while the three recommended "highly rated certified" TrueCar.com dealers are offering this model at invoice (the nearest dealer) or $250 below (the other two dealers nearby).
Those three price quotes are good deals, compared to the range of actual transaction pricing TrueCar claims to have evidence of, glancing at the bell-shaped curve. The next chart, below, shows the same reference points with a bar chart replacing the evenly distributed bell-shaped curve, this time showing 1,159 purchases in the last 90 days in the region (you can drill down to a local sample or zoom out to a national data set, as well). This is an adjusted data set, to the best of my knowledge, for option content and relative pricing, since not every Equinox sold was a basic FWD LS.
Those price quotes of $23,307 and $23,557 are representative of some of the best actual transaction prices measured, according to the chart.
Point is, in Colorado state regulators may influence how future offers on TrueCar.com may comply with state law with more precision and more thorough disclosures, but essentially car buyers are already getting "true," realistic information.
There's something else going on in other parts of the country. You can create the chart below, by searching for the same 2012 Equinox in Maryland. The listed MSRP is the same, but the reported invoice differs by a little, $23,439 vs. $23,557. What's remarkable is that the offered sale prices by the three "highly rated certified" dealers are quoted as $22,645, $21,839 and $21,490. Maryland buyers are getting great prices, aren't they?
Or are they? According to TrueCar.com, in a survey of what others actually paid in this region, out of 1,592 vehicles purchased over the past 90 days, not a single one was sold at $21,490. How many were sold at the next lowest offered price of $21,839? Zero. Any Chevrolet dealers willing to share how you sell an Equinox $2,000 below invoice? Trick question, since there aren't any.
A reported 14 sale transactions out of the 1,592 in the region, less than one percent, are in the lowest existing component of this bar chart, which is between $22,546 and $22,743 -- the segment in which the highest of the three TrueCar.com dealer's quote falls.
You can draw your own conclusions, as to the quality of the customer experience, when a potential buyer approaches that low-priced dealer, expecting, as the TrueCar commercial promises:
"First, TrueCar.com shows you what others actually paid for the car you're looking for. Then, TrueCar.com finds you an even better available price!"
I'm not quite sure what that even means. Are you?
If Colorado state regulators are parsing what compliance should be all about for their TrueCar.com affiliated dealers, what should state regulators in Maryland take issue with?
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NCI Dictionary of Cancer Terms
The NCI Dictionary of Cancer Terms features 8,545 terms related to cancer and medicine.
We offer a widget that you can add to your website to let users look up cancer-related terms. Get NCI's Dictionary of Cancer Terms Widget.
- angiosarcoma
- listen (AN-jee-oh-sar-KOH-muh)
A type of cancer that begins in the cells that line blood vessels or lymph vessels. Cancer that begins in blood vessels is called hemangiosarcoma. Cancer that begins in lymph vessels is called lymphangiosarcoma.


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Who We Are
- Home
- Who We Are
Who We Are
The consolidation of this merger throughout the years has confirmed Jiménez de Aréchaga, Viana & Brause as one of the leading firms in Uruguay, with extensive experience in a wide variety of transactions and a diverse first ranked international and local clientele.
Our History
A long tradition
Prof. Dr. Eduardo Jiménez de Aréchaga
Professor Eduardo Jiménez de Aréchaga founded Jiménez de Aréchaga Law Firm in 1942. He was the successor of an exceptional lineage of three generations of jurists, also tenured professors of International Public Law at the School of Law, University of the Republic of Uruguay.
Specializing in International Public Law, Professor Eduardo Jiménez de Aréchaga was selected through public examination to be Chair of this subject in the School of Law. He was a member of the UN International Law Commission (Geneva, 1961-1969), judge and president of the International Court of Justice in The Hague (1970-1979) and president of the World Bank Administrative Tribunal (1981-1987); he also served as member to several international arbitration tribunals.
Esc. Héctor A. Viana
Graduated from the School of Law, University of the Republic of Uruguay, in 1933, Héctor A. Viana founded his notary's office and specialized in Family Law.
In 1960, with the incorporation of Héctor Viana Martorell, Attorney-at-Law, the firm enlarged its scope to include judicial works. It achieved renowned prestige in civil litigation as it won major court rulings that generated changes in current positive law.
The consolidation of a team of work that has earned the clients' respect and trust explains the success of our firm.
Our main distinguishable feature is the personalized approach in the rendering of our services, with the active and continuous participation of our senior members, from inception to completion of each matter.
For multi-disciplinary tasks, we team up professionals with background from different areas, who together contribute towards a high quality, efficient and comprehensive service.
We endeavor in adding value to our clients, contributing to the growth of their businesses through the understanding of their activities and thinking on how to better satisfy their needs. In addition, we are committed for long-term growth based on stable and long-lasting relations, nurtured by the satisfaction with our service. In turn, this sustained and sustainable growth allows us to attract talented people who perceive the value of team work and contribute to a collaborative environment that promotes permanent growth.
Acknowledgements / Rankings
Our members also have been distinguished as "Leading Individuals" in their respective areas of practice.
Pro Bono
Hence, we encourage our people to devote time to carry out social work.
We participate in social projects such as Teleton Foundation (for children´s rehabilitation and physical therapy processes), the Ronald McDonald House Association of Uruguay (non-profit organization focused on promoting philanthropic, educational and scientific work in order to help Uruguayan children and their families), La Magdalena (non-profit organization located in the northern part of Uruguay, dedicated to foster learning and religious education of rural families, and the support of their health and social conditions, to facilitate their permanent residence in the countryside).
Teleton Uruguay Foundation
Organization for children's rehabilitation and physical therapy processes.
Construction of Ronald House at the Pereira Rossell Hospital
This "home away from home" commenced its activities in October, 2013. It is the result of the joint efforts of the Pereira Rossell Hospital, the Foundation "Friends of the Pereira Rossell", the Ronald McDonald Association and the contribution of thousands of Uruguayans who have participated in the Happy Mc Day.
Photograph from left to right: Daniel Guazo, Javier Vitabar, Beatriz Murguía, Sandra Marcos, Daniel Castera, Ricardo Méndez, María José Artagaveytia, Virginia Brause.
La Magdalena
It is a non-profit social organization that has been working in the Department of Artigas (north of Uruguay) since 1987. It was created on the initiative of French citizens, who after many years of knowing and working in our rural area, decided to create this organization.
La Magdalena has a very active presence in the countryside of the department, covering areas such as: Educational, Health, Social and Religious.


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Your honest resource to what life is like traveling abroad.
Follow my adventures and experiences as I travel across Europe while living in Florence, Italy. With updates at least once a week, I will share what it's like to live in a different country from the perspective of an American student, female traveler, and twenty-something individual.
Throughout my blog, you'll read about the people I meet, the places I visit, the things I learn, and everything else in between. My photographs and videos will capture what I can't explain with words. The stories I write about include the up's and down's of my travels to keep my blog honest and realistic, because traveling is about more than collecting only the positive moments. It's about the whole journey.
I hope my stories and experiences inspire your life of travel. I hope someday you can take my advice, learn from my mistakes, create your own adventures, and go see the world for yourself.
About Me
I'm Ali and I am a junior at Iowa State University studying Marketing and Advertising. I am set to graduate in May of 2018, which is coming up way too quickly if you ask me. At this time in my life, I am unsure where my future will take me. That's why I'm traveling now – a young professional, still in college, with little responsibilities.
This semester I will be studying abroad in Florence, Italy and traveling around Europe for four months. I chose to study abroad because, as someone who has only been to six states and one territory of the United States, I am passionate about experiencing another part of the world. I'm hopeful my future has many opportunities for travel, and I'm fortunate to be able to begin my adventures in Italy.
I hope you enjoy reading about my time abroad. Feel free to follow my other social accounts and/or sign up to receive an email whenever I post. I also encourage you to leave your questions and comments, as it will help me improve my blog and reassure me that I'm doing a good job documenting my trip!


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Gallery visits
I was out visiting a few galleries in the area this afternoon – including two that I haven't seen before; Powers Gallery in Acton, MA and Renjeau Gallery in Natick, MA. Both great galleries and each carries work by friends and acquaintances of mine.
I also stopped by J. Todd Galleries in Wellesley, MA which represents me. I snapped the above picture of my works there. Even though it appears somewhat dark in the picture, it's a fairly bright and forward location in the main showroom, so they get plenty of visibility.
J. Todd is opening a second location on Cape Cod in Chatham, MA this month, so these and a few new works of mine will be going down there. I'm quite pleased about this – for the last few months I'd been thinking about approaching galleries on the Cape, but now I'll be there. I hope to get down and visit the new space in May.


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Deferring retirement until you reach full retirement age, or waiting until age 69, can help increase the amount of benefits you receive over your lifetime.
The Benefits of Delayed Retirement
Update 12/4/12: Read John Gustavson's follow-up to this article, which highlights the significant changes in the Social Security program since this article was published — including the deteriorating fiscal situation and generational lows in risk-free interest rates.
For my clients who are near retirement, one of their most common concerns relates to taking Social Security benefits. Unless you are well informed on this issue, a misstep could cost a family thousands of dollars in foregone benefits. So when my clients ask me when they should start taking their benefits, my short answer is, "It depends."
While it is natural to consult with friends and family who have already made this transition, this important personal decision should be thoroughly researched and explored. If necessary, an experienced advisor can help clarify your particular issues and options.
The first place to start for general information is the Social Security Administration (SSA) Web site. This will provide you with background information on full retirement ages (FRAs), early retirement penalties, and delayed retirement credits (DRCs). It also provides useful online calculators to address various "what if" scenarios.
Social Security benefit basics
Let's start with the basics. Eligible recipients are entitled to their full Social Security benefit between ages 65 and 67 depending upon date of birth. The Social Security Administration sends an annual benefit estimate to recipients about three months before their birthdays. If you have not received your annual statement, you should contact the Social Security Administration to verify it has your correct information and wage history.
Most people are aware that you can claim your benefit early, usually at age 62. However, by electing your benefit early, benefits are reduced 20–30 percent over the recipient's lifetime. The decision to take benefits early could also impact the surviving spouse. However, it may make sense to take Social Security benefits early if your health conditions suggest a shorter life expectancy, you don't have sufficient assets or other income, or you question the solvency of the overall Social Security program. According to the SSA Annual Statistical Supplement, about 73 percent of eligible recipients elect to receive early benefits.
Deferring benefits for singles
More often than not, the best strategy for single recipients is to defer taking benefits until their full retirement age or even better age 69. Of course, this assumes the recipient will live close to the average life expectancy (mid-80s). The Social Security Administration's online calculator is an excellent resource for this decision. Depending on your assumptions, a person who elects benefits at FRA will receive more total benefits if they live into their early 80s than if they elected benefits early at age 62.
This "break-even age" depends on the person living long enough to collect the full amount of the benefits. The Federal government guarantees your benefits for life. In addition, benefits increase with annual cost of living increases which helps protect against inflation which is Enemy Number One for the retiree.
Benefits for couples
For couples, the decision about when each should take their benefits is more complex. A significant provision passed in 2000 allows spouses to collect benefits when the primary worker is postponing the collection of benefits. If you are at your FRA, you can continue to work and suspend your benefit and earn DRCs. For those who postpone benefits and continue working beyond FRA, the lifetime benefit can increase up to 8 percent of each additional year worked through age 69. This also increases the survivor benefit for the spouse. Lifetime benefits are potentially enhanced for the couple versus the wage earner drawing benefits at FRA.
In their frequently cited research paper "Rethinking Social Security Claiming in a 401(k) World," James Mahaney and Peter Carlson propose that the optimal strategy to maximize benefits is a 62/70 split. The lower income spouse collects his/her own benefit at age 62 and the higher income spouse delays collection on his/her record until age 70. The higher income spouse waits until FRA and can claim 50 percent of the lower income spouse's benefits. Retirees who wait until their FRA or later to draw benefits are not subject to earned income restrictions which decrease benefits.
At age 70, the higher income spouse claims his/her own record replacing the lower 50 percent spousal benefit he/she was receiving since FRA. By waiting until age 70, the higher income spouse will receive DRCs and cost-of-living-adjustments on his/her benefits. In addition, assuming the higher earning spouse dies first, the lower earning spouse steps into a much larger survivor benefit.
On second thought …
After some research, if you regretted your decision to take benefits at age 62, all is not lost. Social Security will allow a "re-do." By filing Form SSA-521, Request of Withdrawal of Application, and repaying all previous benefits, you can re-file and collect the higher benefit. You don't have to pay any interest and are allowed a tax deduction or tax credit for the income taxes paid on the benefits previously collected (see IRS Publication 915). Of course, you will need to have the dollars available to repay all of the previous benefits, and your longevity and break-even analysis should be considered as well.
Each person needs to evaluate these options based on their own needs and circumstances including health and life expectancy. A face-to-face meeting with a Social Security Administration representative along with your CPA and financial adviser is also wise. There just isn't a single solution that fits everyone when it comes to drawing Social Security. However, by choosing wisely, you can live out a long retirement and draw larger benefits that are indexed for inflation.


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We are delighted to report that our first-ever Workmen's Circle Taste of Jewish Culture Street Fair, held Sunday on Madison Avenue between 47th and 48th Streets, was a wonderful success! We got lucky with the weather as the rain and thunder that had been forecast never materialized, and the "street snacks and music" we promised were spectacular. Thousands of people streamed through over the course of the day and we had a chance to connect with many new people of all ages as well as greet familiar friends, members and supporters. A number of our food vendors were so busy that they sold out before the fair ended, and there were great crowds for the music and speakers throughout the day.
We hope you were there and had the chance to experience this event yourself, but if you missed it, you can check us out again next year – we will send out more information as soon as its confirmed. And in the meantime, keep an eye out for more food and culture events we are planning throughout the year.
We're gathering input now from our leadership, staff and attendees that we'll use to ensure that next year's festival is even bigger and better. There are a number of other "taste of Jewish culture" events coming up, starting with a challah-baking class at Breads Bakery in Union Square on the evening of September 4 and a food tour of Rego Park in Queens, now home to an array of restaurants, bakeries, and markets representing many Jewish traditions, to be held on a Sunday in October. For more information or to register for either program, contact us at firstname.lastname@example.com.
We're most grateful to the talented food vendors and musicians who were the true centerpiece of the fair. If you have a chance, we hope you'll patronize Mile End, Shelsky's Smoked Fish, Breads Bakery, Taim, Kossar's Bialys, Baz Bagel & Restaurant, Peck's Homemade, Brooklyn Seltzer Boys, Dassara: Brooklyn Ramen, Scharf & Zoyer, Knish Nosh, Gefilteria, Brooklyn Sesame, and The Pickle Guys. Howard Leshaw's Yiddish Swing Band and Paul Shapiro's Ribs & Brisket Revue would elevate any party, and we loved working with our organizational partners Beyond Bubbie, Pop-Up Shabbat, our Midtown and Long Island shules and, of course, our media sponsor, The Jewish Daily Forward.
There are always many people to thank for any successful venture, but the most important thanks go to you. Your interests and your needs, whether you've been involved for 50 years or are just getting to know us, are what drives us forward. We know we have a lot of wonderful experiences and benefits to offer, but we're always interested in learning from and responding to you. We hope to see you soon – at a class, at a concert, at one of our schools or our summer camp, or at one of the many cultural events and celebrations we sponsor year-round.


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Let me just begin by saying that this is not one of those long monologues, imbued with self-flagellating philosophy, grindingly difficult to read in a continuous flow, that I usually put myself through. This is the first time my thoughts are flowing as freely as my words.
A part of me always identified with Chetan Bhagat. There is this guy, an engineer turned manager turned banker, who tip-toed around his hobby, vacillating back and forth, and finally gave in to it. I don't blame him. He deserved it. Being an Indian Man takes its toll; crossing every hurdle instated by the society, passing every test, burdened under the invisible weight of rituals and tradition.
Catering to an audience which craved some form of inked justice to the struggles they faced every day,
His first step was personal. Engineering touched millions of lives and he did justice to Five Point Someone, (Education – check)
Second step – One Night @ The Call Centre tried bringing sense to a person's life in a call centre, (Job – Check)
Third Step – The 3 Mistakes of My Life narrated a story of three friends who wanted to start a business together but get caught in racial tension, (Business – Check)
Forth step – 2 States wriggled deep-rooted Indian marriage nerves out of their veiny comfort zones for an hour, maybe two, and then they retreated back, relaxed. (Religion & Marriage – Check)
Fourth and fifth step – Revolution 2020 and Half Girlfriend were a desperate attempt at discovering if his spark still lit the bookstores and touched its reader's souls. It didn't!
This was the time when Emma Watson launched a campaign for male and gender quality. The so-called campaign 'He For She' grabbed worldwide attention when she gave a speech in the UN Peace Summit.
So what?
Bhagat got his sixth muse – Feminism!
His TOI columns shifted focus from India's faulty education system to equal rights for men and women. He nursed this idea, had random conversations with his beguiled fans, and turned up with
I pre-ordered the book a month ago. The fact that it was written from the point of view of a woman was refreshing. I got the Amazon prime delivery yesterday (So much for extra 80 bucks). The cover looked on point – nothing overdone or underdone, except one thing – the typesetting font! I wonder if Chetan wanted his readers to peer into the books to find hidden clues between the lines. But No! Not that my eyesight is compromised, but it's an instant turnoff.
The book started abruptly, and I again smacked my head for paying extra. I like it when the author puts in serious effort familiarizing his readers with the background of the characters.
How does your character look? Does she have red hair, or black? Nothing!
I would like the author to paint a picture of the protagonist's immediate surroundings so that the reader can put himself in his shoes and relate with his projected predicament. One Indian Girl starts with the protagonist having a spat with the hotel concierge for not being able to book extra 20 rooms for her Destination wedding in Goa. That's how it begins!
Mental Note – Chetan loves to revolve his story around Big Fat Indian weddings. Why? Because Punjabi!
One Indian Girl paints a picture of a well-to-do Indian woman who is stuck in a labyrinth – criss-crossed with male chauvinistic walls, and escape routes stomped with patriarchal jaws. Portraying her as an apostle of blatant feminism, the author has tried to bring into question the prejudiced conscience of men when it comes to a woman earning more than him. An investment banker by profession, the protagonist of this story is strong and confident. Her quick-wittedness makes her a millionaire within a couple of years after starting her career. She falls in love and lives the posh life of a successful banker.
Woman-in-the-making, I like to call it.
Soon the guy realizes that she makes 4 times what he makes and breaks up with her. He thinks she can't fill the shoes of a full-time mother. She gets annoyed, leaves the city and has an affair with her boss's boss in another city. He is a married man but expects nothing else from her other than what he was already getting. She still feels unwanted and relocates to another city, where she finally gives in to her mother's incessant pleadings and makes a profile on Shaadi.com so that the Indian astrologers can play Ludo and find a fitting groom for her.
Yes! Remember seeing Chetan Bhagat advertising for them in the TV commercials? This is called taking advertising to the next level.
So now you know what the book is about.
Humour me! If you are from Mars, can you see yourself in the protagonists' shoes? Doesn't it sound more convincing had it been a 'He' instead of a 'She'? Bingo! That's exactly what the author had in mind. Our patriarchal approach of looking towards anything and everything has created a gaping hole in our hearts, mind and soul which, unfortunately, can't be filled (or Can It?). We inherently associate our fallacies, our success, and our lives with an ideology that constantly seeks male approval. There are few people who 100% accept that a woman can play the same role, and might be more efficient in doing so!
Those few, my friend, are the real feminists! People who don't swallow hard when their female counterparts are earning more than them.
People who don't think that a woman can't play a role of a mother and a working class hero simultaneously.
People who know that if 'we' breathe the same breath, 'we' can do the same things.
And the author has portrayed that image splendidly. After sifting through many proposals, the protagonist finally meets a successful Engineer (rarely used terms) and agrees to tie the knot with him. In a dramatic turn of events, her two forlorn lovers reach the wedding venue unannounced and ask her if she would like to play a temporary role of runaway bride and elope with them, separately.
In a haze of indecision, the protagonist smokes up, drinks, dances, and wakes up with a hangover which begs her to decline all three of them! Yes, the wedding falls apart and she goes for a vacation around the globe. Finally, she meets the engineer (the groom-to-be) after 3 months and the story ends.
One can't give a blander ending to a story. I mean what the fuck!
What happened to the two exes? Did she marry the engineer? No one knows!
The author seems to mimic 'Zindagi Na Mileage Dobara' and creates a storyline which can be easily moulded into a script for a Bollywood movie. The punches are clichéd but owing to author's extended insight into the reader's POV, they will surely make you smile. The author, at some points, over-sensualizes the process of love-making. His sexapades are a cross between fantasy and reality!
In a nutshell, it's a decent metro read! For those who like their story plots properly baked, and topped with Ice cream, you might want to think twice before shelling out the money.


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Number of Designs: 1 baby afghan
Approximate Design Size: 36" x 45"
Designer: Terry Kimbrough
Original Publication: Crochet With Heart magazine, April 1999 issue
Skill Level: Easy +
Description: With your little one bundled in this perfectly pink blanket, everyone will know, "It's a girl!" Puff stitches decorate the entire afghan, which is bordered by an elaborate-looking edging that's actually simple to stitch. It is crocheted using baby sport weight yarn and a size G (4.00 mm) hook.
Product Type: Digital Download


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Posted Tuesday, March 6th, 2018
Good afternoon,
We have concerns with regards to the current Wednesday forecast due to our current Morris County electrical outage issues, and the fact that many of our Morris County residents still remain without power.
At the time of this communication, 14,183 JCP&L customers in Morris County remain without power (down from 22,404 on Monday). County OEM officials spoke with members of the JCP&L team earlier this morning, and it does not appear that we will see a total resolution prior to the arrival of this next storm.
The current total restoration time estimate provided by the JCP&L team is Thursday, March 8th at 11:30PM, however, we expect this estimate will likely change depending on the magnitude of the incoming storm.
With each forecast update, we have increased confidence that we will be dealing with a major storm, with potential snowfall totals significantly increasing.
We have reviewed models predicting approximately one-foot of snow, with increased totals of up to 20-inches in higher elevation areas. We also have reviewed other models showing snowfall totals between 7-to-10 inches, with a worst case scenario of 10 to 15 inches. At the height of the storm, we anticipate seeing snowfall rates of one-to-three inches per hour.
Regardless of the model, we recognize that we are in for a major storm and are planning accordingly. The snow is expected to begin late this evening and will continue through Wednesday.
Due to the heavy and wet nature of the snow, trees and power lines will again be at a higher risk to come down, especially those that suffered damage from the last storm. Although the winds will not be as significant as the last storm, we anticipate seeing gusts between 25 to 35 mph.
Please see below for our Winter Preparedness Tips:
Thank you!


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Jan. 13, 1962 – April 25, 2012
A memorial service for Sherry Lynne Mowery of Gillette was held May 2 at Gillette Memorial Chapel. Sherry, 50, died April 25, 2012, at her home.
She was born Jan. 13, 1962 in Basin, the daughter of Melvin and Betty Hallcroft Winterholler. She received her education in Basin and graduated from Basin High School in 1980. After her graduation, she lived in Jackson and Portland, Ore., before moving to Gillette in 2003.
Most of her time was devoted to raising her children.
Sherry enjoyed reading, especially about Amish culture, listening to the music of Frank Sinatra and Patsy Cline, and cooking.
Her parents and a son, Benjamin Roice, preceded her in death.
She is survived by her sons, Michael Mayville of Gillette, and Stewart Mowery of Rapid City, S.D.; one brother and sister-in-law, Michael and Coleen Winterholler of Gillette; two sisters and brothers-in-law, Janet and Terry Tharp of Gillette and Peggy and Ron Lishner of Littleton, Colo.; and one grandson.
Her ashes will be interred in Mount View Cemetery in Basin at a later date.
Memorials and condolences can be sent in Sherry's name in care of Gillette Memorial Chapel, 210 W. Fifth St., Gillette, WY 82716.


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Image: Mike Coy paddles a kayak around the flooded streets of Franklin, Ind. Saturday, June 7, 2008.
Strong storms smashed houses, deluged neighborhoods and left thousands without power across the Midwest on Friday in the latest round of fierce weather. Hot temperatures baked the region even as residents coped with the lack of electricity. A tornado raked a half-mile-wide path of destruction in northwestern Minnesota, where a house overlooking Pickerel Lake near Emmaville was destroyed, its contents spilling down the hill. Flooding forced the evacuation of about a dozen homes in the central Iowa town of Cambridge. Heavy rains that began Thursday night seeped into most basements and at least one foundation collapsed. In Wisconsin, the National Weather Service said a 72 mph wind gust was recorded near Lake Geneva in Walworth County. Funnel clouds were reported but damage was limited mainly to downed trees and power lines. Power outages and collapsed buildings due to high winds were reported late Friday in Michigan, and flash flooding forced highways closed in Missouri and Minnesota. Thousands of power outages caused by wind damage were also reported in Ohio, where temperatures Thursday reached the 90s. In Illinois, high winds and storms were causing delays and cancellations at airports. In Oklahoma, more than half of the town of Altus remained without power Friday after powerful storms the day before. In Indiana, the governor declared 41 counties disaster areas from recent severe storms and tornadoes. One person was killed earlier this week.
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Meyer Boswell Books, Inc.
A searchable bookshop, specializing in antiquarian law books
Meyer Boswell Books - Book Detail Page
Book Detail
- Author:
- Selden, John
- Title:
- Opera Omnia . . . Collegit ac Recensuit; Vitam Auctoris, Praefationes, & Indices adjecit, David Wilkins [etc.]. Three Volumes in Six
- Publisher:
- Typis Guil. Bowyer, impensis J. Walthoe [and 21 others], Londini, 1726.
- Description:
- Still the only edition of Selden's works, a fit tribute to the man whose name Maitland chose to grace the Selden Society and whose output (in Holdsworth's words) "astonished his own contemporaries and astonishes us"; with the frontispiece
- Condition:
- Contemporary panelled calf, quite worn, rebacked in vellum, some damage to one board and a bit of staining, ex-library, else a clean usable set
- Book No.:
- Price:
- $ 2750.00
- Category:
- MEDIEVAL, English Law
How to Order BooksIf your browser supports and is set to accept cookies, you can click the 'Add to Order' button next to the selection you would like to order. The system will show you all the books in your shopping cart. If you wish to order additional books from this page, you may use the 'Back' button on your browser to return to this page from the Shopping Cart page.
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Meyer Boswell Books, Inc.
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URL : https://www.meyerbos.com
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Start Early on Spring Maintenance and Enjoy the Rest of the Season
Experts say that spring season is the most ideal time for home maintenance, given the fine weather that allows us to perform maintenance tasks with less inconveniences. However, it is also the best opportunity to take outdoor adventures and enjoy the sunny weather, and commonly, when people are torn between one activity and another, most would opt for the one that's more enjoyable.
Nwi.com suggests that homeowners begin their spring prep tasks as early as February in order to have more time to enjoy the fine sunny weather come spring season. To get tips on spring decluttering strategies, click here.


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What You Do Is Who You Are
How to Create Your Business Culture
On Sale: 10/29/2019
Spend $49 and get FREE shipping on HC.com
What You Do Is Who You Are
We'd love you to buy this book, and hope you find this page convenient in locating a place of purchase.
Select a Bookseller - Direct Link to Buy
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Ben Horowitz, a leading venture capitalist, modern management expert, and New York Times bestselling author, combines lessons both from history and from modern organizational practice with practical and often surprising advice to help executives build cultures that can weather both good and bad times.
Ben Horowitz has long been fascinated by history, and particularly by how people behave differently than you'd expect. The time and circumstances in which they were raised often shapes them—yet a few leaders have managed to shape their times. In What You Do Is Who You Are, he turns his attention to a question crucial to every organization: how do you create and sustain the culture you want?
To Horowitz, culture is how a company makes decisions. It is the set of assumptions employees use to resolve everyday problems: should I stay at the Red Roof Inn, or the Four Seasons? Should we discuss the color of this product for five minutes or thirty hours? If culture is not purposeful, it will be an accident or a mistake.
What You Do Is Who You Are explains how to make your culture purposeful by spotlighting four models of leadership and culture-building—the leader of the only successful slave revolt, Haiti's Toussaint Louverture; the Samurai, who ruled Japan for seven hundred years and shaped modern Japanese culture; Genghis Khan, who built the world's largest empire; and Shaka Senghor, a man convicted of murder who ran the most formidable prison gang in the yard and ultimately transformed prison culture.
Horowitz connects these leadership examples to modern case-studies, including how Louverture's cultural techniques were applied (or should have been) by Reed Hastings at Netflix, Travis Kalanick at Uber, and Hillary Clinton, and how Genghis Khan's vision of cultural inclusiveness has parallels in the work of Don Thompson, the first African-American CEO of McDonalds, and of Maggie Wilderotter, the CEO who led Frontier Communications. Horowitz then offers guidance to help any company understand its own strategy and build a successful culture.
What You Do Is Who You Are is a journey through culture, from ancient to modern. Along the way, it answers a question fundamental to any organization: who are we? How do people talk about us when we're not around? How do we treat our customers? Are we there for people in a pinch? Can we be trusted?
Who you are is not the values you list on the wall. It's not what you say in company-wide meeting. It's not your marketing campaign. It's not even what you believe. Who you are is what you do. This book aims to help you do the things you need to become the kind of leader you want to be—and others want to follow.
- Imprint: Harper Business
- On Sale: 10/29/2019
- Trimsize: 6.00 in (w) x 9.00 in (h) x 0.97 in (d)
- Pages: 288
- List Price: 29.99 USD
- BISAC1: BUSINESS & ECONOMICS / Workplace Culture
- BISAC2: BUSINESS & ECONOMICS / Leadership
- BISAC3: BUSINESS & ECONOMICS / Management


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Industry Canada exempts FM broadcasting transmitters from authorization when those transmitters meet the requirement of Broadcasting Equipment Technical Standards 1 (BETS-1). These transmitters are commonly called Low Power Announcement Radios or alternatively real estate radios.
According to BETS-1, "The maximum power output of the transmitter into its antenna, with no modulation, shall not produce a field strength level of more than 100 μV/m as measured at a distance of 30 meters, compared to the USA FCC standard of 250 uV/m at 3 meters. That might seem minuscule, but it could be said in a very crude way that Canada allows more than five times the power.
Learn more with Frequently Asked Questions on Low-Power FM Broadcasting from Industry Canada
One such operator is VankleekFM a privately owned Ultra Low Power FM transmitter located in the village of Vankleek Hill, Ontario. The owner of the service, Jean Sarrazin, maintains a license with Industry Canada to use the frequency, 88.7 as an unprotected, "local public information service" and describes the operation as follows.
As a low power station the service is exempt from most CRTC content requirements as long as it respects the CRTS's exemption order defined by the following criteria:
- Operates between 88 -107.5 MHZ,
- Field strength measurements at 30 metres must not exceed 100 uv/m
- Meets all technical requirements of Industry Canada,
- Originates all programming,
- Does not rebroadcast the programming of another (broadcast) undertaking,
- Does not broadcast religious or political programming,
- Does not broadcast the same message on more than one transmitter.


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Complete Works Theatre Company
Theatre Company
Complete Works Theatre Company (CWTC) develops, produces and performs classic and contemporary theatre for young people. From Shakespeare to Sophocles, Monkey Magic to Mulga Bill, the art of storytelling and fostering a love of language is what the company does.
Established in 1999, the company has become an important creative component of the Victorian English and Arts secondary curriculum, developing and touring live theatre for students and bringing plays, poems and stories to life. The Abbotsford Convent is the company's base where it develops and rehearses before heading out on the road to tour the state. Collaborations with some of the state's peak arts organisations and local communities are also an important part of the company's work. It has developed creative partnerships with Arts Victoria, The Song Room, RFDS, City of Yarra, LH Martin Institute, Knox City, Regional Arts Victoria and Drama Victoria.
- Where
Studio C1.10
Convent building
- Visitors
By appointment
- Contact
03 9417 6166
- Website
- Get Social
- Share


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Your donation will support the mentoring programs that we provide for children.
You can help change the life of a child for the better, forever. With your help we can match a child in need with a professionally supported Big Brother or Big Sister.
Your contribution in any way, shape or form is appreciated. It is only through community involvement in so many ways that we are able to maintain the quality and integrity of our programs and services.
Big Brothers Big Sisters of Bath/Brunswick is a 501c3 charitable organization and all gifts are tax deductible in accordance with the law.
If you would like to make a contribution, please call us at 207-729-7736


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Our Story
We are a team of avid sports fans who became frustrated with certain aspects of our gameday experience like traffic and parking. Based in college football-crazed Birmingham, AL, we attend college football games nearly every fall Saturday where getting to and from campus and finding a reasonable place to park can be a downright awful experience. When we started asking around, we realized we're not alone! We found that, for many college sports fans, parking is their #1 complaint about gameday logistics. Many fans end up driving around looking for someone holding a cardboard sign that says, "Park Here $30."
We've been on both sides of the transaction, and we decided there's a better solution. So we built a mobile marketplace for gameday parking that connects fans searching for parking with sellers offering spaces near stadiums and event venues. While our app works for any and all events where demand for parking is at a premium, we decided to launch right here in Alabama around major sporting events like college football and minor league baseball games. We are constantly building new features and exploring opportunities to bring new events to the Clutch! platform. At Clutch!, we're building you a better gameday experience from the moment you arrive on campus. Parking is just the beginning. So download our app today, and get your gameday back!
The Clutch! app was so easy to use and worked flawlessly! I will definitely use again and highly recommend. This app has taken the stress out of gameday parking!
— Margaret
My first time using Clutch!. It was super convenient and super easy. This is now my go-to for gameday parking!
— Erik
What a great app and service this is. I have my 11-year-old Grandson attending for his first 'Bama game. It will be a memory we will never forget!
— Rick
Made gameday easy for us! We will look you up when we are back again.
— Angela
Website and lot were awesome. Great experience! Will use both again!
So easy to use and saved us a lot of time and got a great spot! Highly recommend!!
— Benton
© 2019 Clutch!. All Rights Reserved.


text: MOHE Event 20-November-2016 We are delighted to announce the launch of "Ministry of Higher Education" new web portal in collaboration with Microsoft. The launch of the new portal of the Ministry and the electronic communications, is a turning point in the history of the Ministry to get various services. The portal provides a communication channel between the higher education and the scientific research and their peers among the world. Ministry of Higher Education and Scientific Research new portal: MOHE Website Tweet View Event Gallery


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Be cautious of claims of large profits from Trading. You should be wary of advertisements or other statements that emphasize the potential for large profits in Trading. Trading can also lead to large and immediate financial losses.
Trading requires in-depth knowledge of the securities markets and Trading techniques and strategies. In attempting to profit through Trading, you must compete with other professional, licensed traders employed by securities firms. You should be familiar with and have a working knowledge of the different type of orders used to make entries and exits.
Under certain market conditions, you may find it difficult or impossible to liquidate a position quickly at a reasonable price. This can occur, for example, when the market for a stock suddenly drops, or if Trading is halted due to recent news events or unusual Trading activity. The more volatile a stock is, the greater the likelihood that problems may be encountered in executing a transaction. In addition to normal market risks, you may experience losses due to systems failures.
Trading may require you to trade your account aggressively, and you may pay commissions on each trade. The total daily commissions that you pay on your trades may add to your losses or significantly reduce your earnings.
Trading on margin or short selling may result in losses beyond your initial investment. When you trade with funds borrowed from a firm or someone else, you can lose more than the funds you originally placed at risk. A decline in the value of the securities that are purchased may require you to provide additional funds to the firm to avoid the forced sale of those securities or other securities in your account. Short selling as part of your Trading strategy also may lead to extraordinary losses, because you may have to purchase a stock at a very high price in order to cover a short position.


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Nothing really surprises me anymore, but today's action in NMT Medical (NMTI) is absolutely ludicrous. NMTI is a micro cap medical device company that closed today's regular session at $17 per share.
Tonight on CNBC's Mad Money show, Jim Cramer led off the hour-long episode by recommending NMTI, saying it could go to $100 if their new migrane product is approved. If the trials fail, his downside projection was $10 a share. Given the risk/reward he sees, Cramer pumps the stock for several minutes and the stock quickly jumps over 33%, or $6 per share, to $23 and change.
The reason I bring this up is because NMT Medical is one of 10 stocks featured on Peridot Capital's 2006 Select List, published earlier this month. Thanks to many individual investors who were silly enough to put in a market order to buy, simply based on Cramer's recommendation, I was able to sell a decent chunk of stock at between $23.09 and $23.75.
First of all, if you purchased our 2006 Select List and are lucky enough to be holding shares of NMTI right now, I strongly suggest taking some profits tonight in after-hours trading, or on Monday if the mark-up holds early next week. There is no fundamental reason for the stock to be up at all, let alone more than 30 percent.
It is true that the company's devices could be a huge hit if they prove effective, but human trials have not been completed. This stock is very speculative, as was noted in our report, and is not for every investor. In fact, we tabbed it the lone "speculative pick" in the group of 10 companies we profiled in the report. Please trade with caution, especially if you are a fan of Cramer's show. These are very dangerous waters for retail investors.
Another interesting twist is that NMT, not NMTI, spiked $5 during Cramer's show, as investors bought the wrong stock with a similar ticker symbol. NMT is a municipal bond fund that closed at $15, but some people paid $20+ for it in after-hours trading. Another example that if you're not careful, you can lose 25% of your money on a trade within minutes.
Cramer Pump Sends NMTI Up 34% After Hours
Nothing really surprises me anymore, but today's action in NMT Medical (NMTI) is absolutely ludicrous. NMTI is a micro cap medical device company that closed today's regular session at $17 per share.


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To celebrate our 100th post on Enjoy The Journey, we're launching a new guest blogging series called 'Epic Moments'. We've asked some of our favourite travel bloggers to tell us about their most amazing travel experience to date, so be prepared to be inspired! From swimming with whale sharks to exploring the Mexican jungle these are some truly epic moments!!
#EpicMoments 001 – Journey The Earth
#EpicMoments 002 – Backpacker Banter
#EpicMoments 003 – Peanuts and Pretzels
#EpicMoments 004 – A Life Less Beige
#EpicMoments 005 – Don't Forget To Move


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Recently, I've become the unofficial self-proclaimed hype girl for peer-to-peer lending (also known as P2P lending).
It had become my go-to topic around the dinner table, so much so that even my very-risk-averse husband grew an interest in it. He opened his own P2P lending account last month, and invested $1,000.
If you're unsure what P2P lending is all about, don't worry, you'll have a much better idea after reading this article. I promise.
What is P2P Lending?
In a nutshell, P2P lending is a method for businesses to get the funding they need directly from investors like you and I in exchange for monthly interest payments on top of ongoing principal repayment.
P2P lending lets retail investors lend money to businesses and earn monthly interests in return.
This way, businesses could get a loan quickly – whether it's for capital expenditure, loan consolidation, inventory or marketing – without the hassle of dealing with traditional lending institutions.
Once a business' loan application is approved by the lending platform, a funding request is then listed on the loan marketplace for potential lenders to invest in.
If enough investors are interested in a loan such that it gets fully funded within 30 days, the deal gets finalized and repayment begins the following month.
Here's how a real P2P loan worked in action:
Let's say an Alberta-based commercial welding company wanted to borrow $40,000 at 14.11%, and plans to pay it all back in 3 years. They applied, and successfully made their loan request available on the P2P lending platform.
After evaluating the business details, including their financials, I decided to lend them $25.
Enough investors were interested in this deal so the loan was fully funded within days, meaning the commercial welder got the $40,000 that they needed.
The repayment began the following month, and I receive roughly $0.85 per month, with interest being $0.29 the first month and going down subsequently as the principal owed decreases with each payment.
My total gain from this loan would be $5.61 at the end of year 3, which doesn't sound significant. But considering that my original investment was a mere $25, my annualized ROI would actually be 6.98%. Not too shabby at all.
Advantages of Investing in P2P Lending
As an investment vehicle, P2P lending is accessible to almost everyone regardless of net worth or income. It is also easy to understand, and even easier to get started. I kid you not, you only need to deploy $200 to access the loan marketplace and start lending.
Worried about the lack of transparency? Not a problem. You have access to all the business and financial details you need in order to make informed investment decisions. Besides that, you have total control over which loan you invest in.
Of course, one of the biggest advantages of P2P lending is its attractive returns.
At the time of writing this blog post, my Weighted Average Gross Yield is 12.7%.
So depending on the size of your initial investment and your risk tolerance, P2P lending could definitely become a decent source of passive income for you.
Now that I've talked extensively about how awesome P2P lending is, let's talk about the drawbacks:
Disadvantages of Investing in P2P Lending
1. It's risky
Depending on a business' credit score, financial metrics, and the dollar amount that they're seeking, each loan is assigned a credit rating ranging from A+ to E, with A+ loans being the safest.
Naturally, with great risk comes great reward. Here's a look at the credit ratings and their corresponding interest rates (i.e. your annual returns) at Lending Loop (Canada's most established P2P lending platform):The underlying assumption is that, loans with "E" ratings have a much higher default rate than loans with "A+" ratings. But even with "A+" loans, there is no guarantee that you will recoup all of your investment.
As much as we try to invest in profitable, sustainable and trustworthy companies, sometimes stuff happens that is beyond any single person's control – perhaps the local economy took a downturn, a new competitor took a big chunk of the market share, or a major client ran into cash flow issues themself and failed to pay on time.
At the end of the day, a business can do everything right but still defaults on their loans. It's a sad but unavoidable facet of investing that we always have to keep in mind.
2. Your funds will be tied up for years.
In terms of liquidity, P2P lending gets a 3 out of 10 in my book.
Once a loan that you've committed to is finalized, you won't get every cent of your principal back until the end of the loan term, which is usually between 2 to 4 years. That is a fairly long time to go without the option to withdraw all of your initial investment (even at a loss).
With that said, it's far easier to stomach this level of illiquidity if P2P lending only constitutes a small portion (less than 10%) of your investment portfolio.
3. 100% of your interest income is taxable.
Unlike stocks and bonds, P2P investments aren't eligible to be held within registered accounts like RRSP, TFSA or RESP. Therefore, all of your P2P earnings will be taxed at your marginal tax rate.
Depending on your taxable income and the province in which you reside, a significant portion of your P2P profits might be effectively wiped out by taxes, making it a less desirable investment than, say, select index funds that average 6% annual return that you can hold within your RRSP and TFSA.
One Platform, Two Strategies
My husband and I have invested $1,000 and $500 in P2P lending, respectively, but our strategies are drastically different.
Here's how my husband approaches it (credit to my husband for his help in writing this part):
As a conservative investor who only held GICs in his RRSP for the longest time, he welcomed P2P lending with open arms (to my astonishment).
He very much embraced the idea of helping small Canadian businesses while making a buck in the process. And who can blame him!
Shortly after signing up, my husband noticed an odd (lack of) pattern: loan listings would sometimes arrive in droves, and then nothing new would pop up for days.
It's hard to predict when new loans become available on the marketplace, so he decided to take advantage of Lending Loop's Auto-Lend feature. As the name implies, Auto-Lend lets people automate the lending process based on pre-defined criteria.
My husband has set up his custom Auto-Lend plan to automatically contribute $50 to each loan that is in the A, B and C risk bands, as soon as they're available. This way, he is happy with his returns (12.6% per year), and his portfolio is sufficiently diversified without exposure to too many risky loans.
Contrary to my husband's passive approach, I used to evaluate every single loan request as if my life depended on it.
My assessment process was fairly thorough and tough (perhaps unnecessarily so).
First of all, I looked for loan requests that match my risk tolerance and liquidity requirement.
- Risk: Like my husband, I only invest in loans that are in A, B and C risk bands, for reasons stated above.
- Loan Term: I strongly prefer loans that mature within 3 years, though I have invested in 4-year loans in the past.
Then I looked for signs that the business has a great track record, opportunities to grow, and a proactive leader at the helm.
I'm not necessarily looking for boldness, innovative thinking, creativity, and charisma – traits that are traditionally associated with a successful startup founder. As far as I can see, the majority of businesses that chose to raise funds through Lending Loop are lifestyle businesses, in which case, attitude, integrity, attention to detail, and the ability to make rational decisions matter a great deal more to me.
Specifically, I asked myself these questions when evaluating a business:
- Website: Is the website search engine friendly, well designed, and easy to navigate? Does it fulfill its purpose of converting site visitors into sales or leads?
- Loan Details: Does the business explain their business model and core strengths in a professional and logical manner? Is their reason for loan request reasonable? Do they provide a compelling argument to reassure lenders that they're safe to lend to?
- Financials: Has the business revenue been increasing year over year? Are there financial discrepancies that need to be addressed in the Q&A?
- Q&A: Does the borrower promptly answer questions asked by potential lenders? Do they demonstrate business acumen? Do they provide satisfactory answers to tough questions?
Researching each company might seem like a lot of work. But believe it or not, I genuinely enjoyed it and didn't mind doing the "work". My hopes were that, by carefully weighing the pros and cons of investing in each loan, I would have a better chance of avoiding charge-offs and receive a higher return on my overall investment.
But my well-crafted plan sort of backfired.
Precisely because I took the time to evaluate each loan, I missed out on numerous loan requests that were funded within hours of being available (before the alert email even reached me).
So out of necessity, I have turned on Auto-Lend myself so I would never miss an opportunity again.
As of right now, I'm happy with my returns and the LendingLoop platform, and plan to put even more money into P2P lending and reinvest the accrued interests.
I will definitely keep you guys updated on our progress and share any additional tips I have.
Interested in creating your own Lending Loop account and start investing in peer-to-peer lending?
Sign up using my affiliate link to get $25.
Full disclosure: I will also receive $25 (at no extra cost to you) once your investment reaches $1,500 on the platform.
Don't hesitate to reach out to me if you got any questions.


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TMCC Community Education
Join other Truckee community members and learn how to showcase your hospitality while making money from unused rooms and home spaces
Hosted vacation house rentals and home-sharing are quickly becoming a trendy and profitable micro business market. Discuss common concerns like privacy, time management, maintenance, cost and hosting skills to help you determine if this venture is right for you. Gain valuable tips to create a welcoming and comfortable environment no matter your personality type, desire of guest service level or home layout.
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In essence, this is a Message Board solution - i.e. threaded communications, but with multiple types and usage scenarios. The 3 principal Forum Types are:
With Collaborations taking on a different layout. All 3 types allow you to create threads and post replies with all manner of attachments - media and documentary references. Issue Forums allow you to assign tasks to colleagues and collaborators, while Collaborations have more of a social angle - displaying clearly the number of collaborators, comments and references in use.
Most sites use 3rd party systems for Forums and Collaboration - but within Affino, it is a seamless part of the same system - single login, single database etc. - making it much simpler for users to get involved and companies to manage - all is enabled by the same universal system of Affno security - which grants users access to different parts of the site, as well as different functions - such as the ability to post Forums and Collaborations.
Users can collaborate, network and freely communicate all through the same unified secure solution.
The integrated nature of the Forums and Collaborations in the most significant factor here in that it is all available through a single login. You can easily reference and relate those Forums and Threads to different content listings throughout your site - as Related Items.
As all this activity occurs fully on-site and under your jurisdiction, you can properly manage and track all activities, and use Conversion Events to further prompt and incentitivise users, as well as to log exactly what activities they are engaging in such as answering other users' forum questions.
There is a significant degree of versatility for covering the key types of use our customers have for Forums. We ourselves use Affino Forums for Project Management, Client Support and Collaboration. Forums are an efficient and definitive means to record key client communications, and maintain an official record for posterity.
For our own business they are an absolute essential - most of what we do goes through and / or is managed by Forums. Anyone can dip in at any stage to view a complete and accurate record of activities and actions taken. Unlike email where things can be hard to find - everything in Forums is properly indexed with date and contact stamps, as well as thread index references - for easy and instant retrieval using the advanced search.
Instead of being peripheral utilities, Affino Forums tend to be front and centre.
On most working days the Forums are the part of Affino.com that sees most of the active traffic. Several Affino Clients use this internally for internal project management and collaboration (sensitive), while Procurement Leaders are the leading proponent behind Collaborations.
In most instances Collaborations and Forums are secured by logins and viewable only by registered or subscribed members on those sites.
For our company - Forums are a large part of how we work - keeping and accurate record / log of all our key project and task-based activities


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The everlasting red pigment of the amaranth flower has stood as a symbol of immortality since the time of ancient Greece. Unfortunately, a hedge fund called Amaranth Advisors could not live up to its legendary name and the company is now infamous for a one-week trading debacle that has put it in the investment hall of shame. In this article, we'll take a look at what happened to the Amaranth fund and discuss some of the reasons for its downfall.
The Founding
The Amaranth hedge fund was founded by Nicholas Maounis and over the years, it built a solid reputation within the hedge fund community. Based in Greenwich, Conn., Amaranth's claim to fame was associated with energy trading. The fund was able to attract big money from large pension funds such as the San Diego Employees Retirement Association. The fund's big-name trader, Brian Hunter, helped the fund climb to the peak of success, and also contributed to its rapid descent. (For related reading, see A Brief History Of The Hedge Fund and Massive Hedge Fund Failures.)
Amaranth began 2006 with $7.4 billion in assets. By August of that year, the hedge fund was at its high-water mark of $9.2 billion. However, the fund's decline was rapid, and over the next month, its value plummeted below $3.5 billion before the assets were liquidated. Records show that the San Diego Employees Retirement Association invested $175 million with Amaranth in 2005 and the 50% loss in the first nine months of 2006 resulted in a hefty loss for the retirement fund.
Despite its epic downfall, Amaranth is not a fly-by-night hedge fund. The fund has been around since September 2000, and while specific accounts of the hedge fund's success vary, the company's website boasts that Amaranth investors experienced positive investment returns every year since the fund's inception.
The Trader
Brian Hunter began to make a name for himself at Deutsche Bank in 2001 as an energy trader that specialized in natural gas trades. Hunter personally generated $17 million in profit for the company and he followed up with an even better performance in 2002 by earning $52 million.
By 2003, Hunter began supervising the gas desk at Deutsche (while earning $1.6 million plus bonuses). As 2003 came to a close, the group Hunter supervised was about to end the year up approximately $76 million. Unfortunately, within a week's time it had incurred losses of $51.2 million. This was the beginning of a series of negative events that would force Hunter to leave his position at Deutsche bank. His next job would be at Amaranth Advisors, as head of the energy trading desk.
According to Trader Monthly magazine, within six months of joining Amaranth, Hunter made the hedge fund $200 million. That distinction alone impressed his bosses so much that they created an office in Calgary, Alberta, allowing the Canadian to move back to his hometown. In March of 2006, Hunter was named to the twenty-ninth spot on the Traders Monthly list of top traders. Amaranth profited by about $800 million as a result of all his trades and he was rewarded with compensation in the $75 million to $100 million range.
What Went Wrong?
While most of Amaranth's initial energy investments were more conservative in nature, the energy desk consistently posted annual returns of around 30%. Eventually, Hunter was able to make more speculative positions using natural gas futures contracts. This worked in the fund's favor in 2005 when hurricanes Katrina and Rita disrupted natural gas production and helped push the price of natural gas up nearly three-fold from the January low to the November high, as shown in Figure 1, below. Hunter's speculations proved correct and earned the company well over $1 billion dollars and an epic reputation.
Source: StockCharts.com
Although the risky bets on natural gas and hurricanes paid off in 2005, the same bets would ultimately bring about Amaranth's demise a year later.
Betting on the Weather
After a devastating hurricane season propelled Amaranth to billion dollar returns in 2005, it was only natural for Hunter to place the same bets again in 2006. And while meteorologists were not expecting the 2006 hurricane season to be as severe as 2005, several storms were anticipated.
Like all hedge funds, the specifics of Amaranth's trading strategies are kept a secret, but it is known that Hunter placed an extremely leveraged bet on natural gas moving higher. But with the inventory supplies of natural gas increasing and the threat of another severe hurricane season diminishing, the bulls were disappearing daily. During the second week of September, 2006, the natural gas contract broke through an important price support at $5.50 and proceeded to drop another 20% in a two-week period. As the price of natural gas continued to drop, Amaranth's losses grew to $6 billion.
By the third week of September, 2006, the U.S. had not experienced any major storm and the price of natural gas was in the middle of a free-fall. Amaranth and in particular, Hunter, were heavily invested in natural gas futures and according to reports from other natural gas investors, used borrowed money to double-down on its initial investments.
What Amaranth and Hunter were trying to achieve with the hedge fund is large gains with hedged positions. Ideally, hedging should lower a fund's risk because the fund has both bullish and bearish positions. If the futures contract moves in one direction, the fund should profit with one contract as the other is either sold or used to hedge against a sudden move in the opposite direction. However, many hedge funds make huge bets on the market moving in the direction of their leveraged bets. When the trades go as planned, a fund's investors will see significant returns. However, because this strategy does little to minimize risk, there are a number of hedge funds that go the way of Amaranth. (For more insight see Taking A Look Behind Hedge Funds.)
Futures contracts have higher risk than equities as a result of the leverage given to futures traders. For example, in the equities market, a trader must come up with at least 50% of the value of the trade. In the futures markets, on the other hand, traders are able to enter a position with only 10% of the money up front. Many large hedge funds also borrow money through lines of credit from banks to add even more leverage, which increases both risk and the potential size of the return.
A strategy that Hunter implemented involved playing the spread between the March and April 2007 contracts. Hunter bet the spread would widen between the two contracts, when in fact it narrowed greatly in early September. As mentioned before, Hunter further compounded his losses by using a strategy referred to as doubling down. By borrowing money to initiate new positions, the fund became more leveraged. Eventually, the amount of leverage that Hunter used peaked at an 8:1 ratio. Amaranth had borrowed $8 for every $1 they originally possessed.
Unfortunately, if the appropriate risk-management steps have not been taken, it only takes one incorrect bet to land a hedge fund in a billion dollar blowup similar to Amaranth and equally infamous Long-Term Capital Management (1998).
In the end, most investors in the Amaranth Fund were left scratching their heads and wondering what happened to their money. One of the biggest issues with hedge funds is the lack of transparency for investors. From day to day, investors have no idea what the fund is doing with their money. In reality, the hedge fund has free rein over its investors' money.
Most hedge funds make their money with performance fees that are generated when the fund achieves large gains; the bigger the gains, the bigger the fees for the hedge fund. If the fund stays flat or falls 70%, the performance fee is exactly the same: zero. This type of fee structure can be part of what forces hedge fund traders to implement exceedingly risky strategies.
In September of 2006, Reuters reported that Amaranth was selling its energy portfolio to Citadel Investment Group and JP Morgan Chase. Due to margin calls and liquidity issues Maounis pointed out that Amaranth did not have an alternative option to selling their energy holdings. Amaranth later confirmed that Brian Hunter had left the company, but this is small comfort for investors who had large investments in Amaranth.
Investors will likely be able to liquidate what is left of their original investment after the transaction to sell the assets is complete, but the final chapter to this story has yet to be written. However, the story does serve to illustrate the risk involved with making large investments in a hedge fund, regardless of the fund's past success.