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Liquidity concerns are on the rise and show no sign of abating. But fixed income investors shouldn't have to give up on alpha in order to maintain good liquidity – careful management can result in a happy medium, in my view.
After a summer flurry of liquidity shocks, investors have rightly pushed the topic to the top of their agenda and are turning a critical eye on portfolio construction, questioning just what their managers are holding.
And this is a good question to ask – investors should know what they own.
While liquidity management remains the job of the trusted asset manager, it is important that, besides being comfortable with how their investments' liquidity risk is being managed, they enjoy an adequate level of transparency into their investments: Information is power!
Read the full article


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After more recommendations than I can count, we finally made it to the lovely Banzai. Tucked away in a little plaza on Dominion Road, this is a little treasure. Gorgeous food, friendly service and immaculate presentation of meals –— all at a reasonable price to boot!
It's not very big and booking is a good idea due to its popularity. The inside is clean — nothing to get excited about, but you don't really go there for the decor.
With four of us we decided to share small dishes rather than eat individually, so much more fun!
We ordered Edamame ($5) the obligatory nibble of boiled and salted soybean pods. I've always wondered why westerners don't adopt a more healthy bar snack. Sure beats peanuts in the health stakes! We also had the Agedashi Tofu ($6) and it was perfect slabs of golden deep fried tofu in that irresistible, slightly sweet soy sauce. We have a thing for Japanese pickles so we had a side of them too ($3.00)
The Prawn and Vegetable Tempura was divine ($12.90) delectably light and delicate and went perfectly with the Seaweed Salad ($5.00) with layers of fresh marinated seaweed, shredded cabbage and lettuce garnished with curls of carrot and sesame seeds
We couldn't go without a Sashimi dish and the Mixed Tuna and Salmon didn't disappoint ($16). Very fresh and presented like a work of art. That came out with the Chicken Yaki Soba ($9) which tasted just like it does off a BBQ grill at a festival in Japan. Warning — don't order this if you don't like pickled ginger. It's soba noodle fried with chicken and vegetables in a sweet soy sauce garnished with fish flakes, dried seaweed and red ginger pickles. We loved it but it could be considered an acquired taste.
We'd been told the Sushi was great so despite being pretty full we managed to squeeze in a couple of rolls. The spicy salmon teriyaki roll with spicy garlic sauce ($9.80) was a wonderful explosion of flavour and the Chicken Teriyaki Roll (8.5) was pretty fabulous too.
Highly recommend this place for authentic Japanese, beautifully presented at reasonable prices. We understand why everyone raves about it now.
Phone: 630 4489
Hours: Tue – Sun
Lunch 11.30am – 3pm
Dinner 5.30pm – 9pm
Monday closed
Licensed: Yes and BYOW
Takeaways: Yes
Suitable for vegetarians: Yes
Prices:Appetizers $5.50-6.00; salads $5.00 – $8.00; noodles $8.90 – $12.50; mains $9.90 – $13.90; sashimi $8.00 – $16.00; sushi $7.00 – 12.00Credit Cards: Visa and Mastercard
Bathrooms: Good
[googleMap name="Banzai" width="505″ height="300″ directions_to="false"]8/583 Dominion Road, Balmoral, Auckland[/googleMap]

subset: commoncrawl


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WRLO Full Form in Academic and Science, Business, Finance, Community, Computing, Governmental, Internet, Miscellaneous, Regional, Medical and International categories. This page is about the various possible meanings, full forms, shorthand, abbreviation, acronym or slang term: WRLO Meaning
WRLO Full Form, Full Meaning, Full Name
FM-105.3, North Rhinelander, Wisconsin
Ongko Asa, Indonesia
You got another explanation, Full meaning, Full name, shorthand, acronym, slang term or full form of WRLO abbreviation ?
Share with us: Submit It Here
Posted by: All Full Forms


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The new action game Disorder: The Lost Prince has everything you need for a player who loves this genre of games. Many diverse characters (in particular, brave and beautiful princesses, who can stand up for themselves). Each of their characters has different abilities. It is very difficult to remember what skills each of the enemies has, but it will help you to choose your hero correctly for battles. The fact is that you must foresee how the enemy will behave in battle. If you manage to do this, then you have great chances to win the fight. Most often 2D games are inferior to the popularity of 3D games, but this game keeps the level. Hack Disorder: The Lost Prince is one way to get resources, but you have to remember that in this way you expose your gaming account to danger. To avoid undesirable problems, you can use another way of obtaining virtual resources in the form of gold coins and precious stones.
Bonus codes Disorder: The Lost Prince:
- 30 000 Gold coins – Gg#zDodlkc
- 19,000 Gems – JH#dcdLoMe
Enemies may look different, but in any case, you must be careful not to let them get too close. But if you make a mistake and the energy indicator goes down – it's not dangerous, because you have cheats Disorder: The Lost Prince. These codes are safe. Share this article on social networks and you can use these secret codes multiple times, without any consequences.
They are the usual confirmation of payment. But at the same time, you do not have to spend real money. This greatly helps when the resources are needed right now. Before passing a certain level, you can enter codes and get a lot of virtual resources. Now you do not have to save crystals and buy only the most necessary. You can unlock all additional items and get even more chances to win.
But, of course, without certain skills, you will not be able to please yourself with a victory, because in order to pass a mission successfully, you must have a good reaction and tactics of fighting. Downloading mod Disorder: The Lost Prince does not help you to do it, ninety-nine percent of them just do not work. We have checked a huge number of sites and can say with confidence that entering codes is the best option possible.


text: This is our first year with the cheerleading stuff. I didn't think I would enjoy it as much as I did!! They are a very small squad from a very small town. The other teams had anywhere from 20-30 members and were incredible! The coach didn't think our girls were actually ready to compete, but they did an awesome job-they got 1st in 'exhibition'! (Whatever that means) I was so proud it was ridiculous! These 9 girls rocked it-but I'm no expert and not partial AT ALL! :)


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Containers will be delivered and can be unloaded at Fort Cautley Royal New Zealand Navy base.
Google Maps Link
Please carefully read the Safety and other information below the map.
Safety and other Information for moving OK Dinghy and equipment, Container (Fort Cautley) to Wakatere Boating Club.
Important (Overhead power lines) – Do not stand mast at any time until safely in the grounds of the Wakatere Boating Club
For Country container Manager/ Representative.
Prior to moving boats and equipment contact either
Phil Rzepecky (Ph.021 486 416) or Dean Coleman (Ph.021 771 824)
You will be met on site and walked through the route to the Wakatere Boating Club.
Boats ( on beach trolleys ) and equipment to be carted from Fort Cautley
through main access to Vauxhall Road. Then down footpath to the grounds of the Wakatere Boating Club.
Fort Cautley is occupied by New Zealand Navy who generously have let Wakatere Boating Club use their land for container storage.
Please be respectful of Navy personnel when on site.
Vauxhall Road is a busy live road. When moving boats and equipment only use the footpath.
The footpath on Vauxlhall Road is primarily for pedestrians and cyclists.
Please be respectful of users.


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Each month, MNMW features two team members, providing you with information to help you get to know us better!
Sue Schade
Many of you have probably met Sue Schade when you have been in our Fort Myers office. Sue has been with MNMW as an Administrative Assistant in the front office since 2011. She worked with an accounting firm in Detroit, and when she and her husband relocated to southwest Florida, she found MNMW and loved the culture and environment.
When you don't see her in the front office, you may find her enjoying the beach. She loves being near the water, and travels to the different islands in the Caribbean whenever possible. To relax she works out or reads, and dotes on their sweet pup Carson. She and her husband have been married for 43 years, and love to visit with their son and two grandsons whenever possible.
Sue is inspired by her mom in so many ways, and loves to help others whenever possible. She is passionate about helping children and dogs through a few local non-profits, and is eager to make a difference where she can. She heard some advice long ago that stuck with her and helps her manage any stress and worry, that advice is "Let go…Let GOD." She tries to make sure that she helps someone smile every day. Chances are when you visit our office in Fort Myers, you will encounter Sue, who has a happy demeanor and a big smile always on her face.
Elisa Bowersox
Elisa Bowersox joined the firm in 2014, and serves as a Senior Tax Accountant. When looking at local tax firms before her move to Florida, she saw MNMW was on the 'Best Companies to Work for In Florida' list, and even described a "FUN Committee" on the company website. Once she learned more about the firm and its culture for its team members, she was hooked and wanted to find out how to get on board. She is a hard worker on any project she commits too, and that dedication paid off recently as she has earned her license as a Certified Public Accountant (CPA).
When she is not crunching the numbers, Elisa enjoys spending time with her husband Butch and their two dogs. They love fishing, hanging out with friends, supporting their Pittsburgh sports teams, and visiting any beach. Family and church are very important to Elisa, so making sure she has quality time with both is a priority.
Many people don't realize that Elisa loves to dance. As a child she participated jazz and aerobic dancing for many years. In the near future, Elisa hopes to take lessons to learn the art of ballroom and salsa dancing.
A special quote that resonates with her is from Edmund Lee, "Surround yourself with the dreamers and the doers, the believers and the thinkers, but most of all surround yourself with those who see greatness within you, even when you don't see it yourself."
Of the things she is most proud of in life, marrying her best friend is the most important, as well as earning her bachelor and master's degrees. She tries to always live in the moment, because she feels that living in the past causes you to miss out on the memories taking place right then.
Past team members featured:
Nancy Gaffney and Debbie Thompson, click here.
Daniela Georgieva and Susan Brehm, click here.
Marsha Schiavarelli and Ashley Hamilton, click here.


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Posted Byjerry4opry on January 30, 2004 at 06:18:16:
In Reply to: Jack The Ad-Libber posted byGerry O. on January 29, 2004 at 08:08:12:
during the Colman's dinner experience with Jack and Mary, Frank Nelson's the waiter of course...well, Jack starts to yell at Frank and he messes up a line and starts to laugh before composing himself with the follow-up line: "and look at the table cloth! i've NEVER seen such dirty linen!" and Nelson snarls: "well YOU do THEM for us, WONG FOO!"
Follow Ups
Post Followup


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YOU CAN EDIT THIS PAGE! Just click any blue "Edit" link and start writing!
Seneca Falls
Earth : North America : United States of America : Mid-Atlantic : New York (state) : Finger Lakes : Seneca Falls
Seneca Falls is a town in the Finger Lakes region of New York state. Dubbing itself "the real Bedford Falls," the town is widely believed to be the inspiration for the setting of Frank Capra's holiday classic, It's A Wonderful Life.
Get in[edit]
By air[edit]
By car[edit]
New York State Thruway (Interstate 90), Exit 41. Route 414 South to Routes 5&20 east to Seneca Falls.
Get around[edit]
See[edit][add listing]
Do[edit][add listing]
Buy[edit][add listing]
Eat[edit][add listing]
Drink[edit][add listing]
The Finger Lakes region sports more than 70 wineries.
Sleep[edit][add listing]
Hotels and motels[edit]
Bed and breakfasts[edit]
Get out[edit]
Explore other towns in the Finger Lakes area.


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In this post: Setting your table with your very finest can make a romantic Thanksgiving dinner for two a special celebration that honors traditions in elegant style.
Thanksgiving is a delightful holiday that's often built around large family gatherings. But what do you do when your family and friends are unable to join you for the day? Perhaps they live far away or have other commitments. There's no reason in the world you can't enjoy the holiday without a table full of guests. By setting your table with your very finest, you can make a romantic Thanksgiving dinner for two a special celebration that honors the traditions of Thanksgiving in elegant style.
The specialness of this table is built around glimmering gold. The centerpiece is a gilded pumpkin candle glowing atop a gold painted pedestal dish. Pine cones are glittered in bronze and surround the large candle, while mini white pumpkins encircle the base. The Michael Aram salt cellar offers yet another tone of shimmer.
The golds are balanced with whites and creams, and fine crystal offers its own fresh glint.
I often group mixed candlesticks, as I love the romance that candles bring to the table and the various metals harmonize here. Crystal drops lend a note of complexity, as do the candles used in cream, smooth gold and a glitter dusted option.
The plate stack is a simple clean white, with a gilded charger and a vintage dessert dish with gold edging. The pear candle signals the season while keeping with the elegance presented in this tableau.
Stemwear is Ralph Lauren crystal in the glen plaid pattern. I love the varied shapes of the wine, champagne flute and old fashioned glasses.
A broader view reveals a peek at the whole scene. Despite being set for only two people, it's hard to deny that this is a holiday table that embraces the notion of being grateful and giving thanks.
The napkins are an embroidered white linen layered under bronze sheers, with beaded rings in the amber tones of the autumn season.
The serving pieces would, of course, carry traditional Thanksgiving dishes, but here I've filled them with golden pine cones and shimmer gourds.
Walnuts are also on offer with another grouping of glowing pumpkins. The florals are tucked in glimmery vases that are actually candle holders with an effervescent sheen.
At nightfall one can sit down to a meal at this table and appreciate how very special the privilege of giving thanks is. Wishing you all a very Happy Thanksgiving!
Have you visited the Designthusiasm shop? Click below to shop my favorites, my home and my Amazon shop. There are new items added every week. Happy shopping!!
Shop My Favorites Shop My Home Shop My Amazon Shop
Are you following Designthusiasm on social media? Please join us at the links below:
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From Buddy to Boss: Effective Fire Service Leadership
Book details
Whether you're a new officer or in need of a mentor, From Buddy to Boss: Effective Fire Service Leadership, is a must-have management book you'll turn to over and over again. Fire service veteran Chase Sargent has taken his popular course and written a no-holds-barred leadership book for the fire service in a conversational and easy-to-read style. He tells you how to accept and survive politics, deal with the fringe employees, and keep your cool -- tricks of the trade that usually take years to acquire.
In this book you'll learn:
• Your credibility is a valuable currency that takes time to build up. What you do, not what you say, is the ultimate test of your credibility, reinforcing your expectations.
• That leadership requires individuals and organizations to create an environment where people and their ideas can thrive.
• How to use stories to impress upon our new members the necessity of doing certain things.
• That the quickest ways to lose trust are to inconsistently apply and enforce rules and to allow your personal feelings to dictate what you will and won't enforce.
• Why leading by example and from the front -- doing, not saying -- is critical to your success.
Reading From Buddy to Boss is like turning to a trusted friend for wisdom and advice you can count on to improve your job performance. Use this book to master your leadership as well as your management skills and successfully make the transition to boss.
We would LOVE it if you could help us and other readers by reviewing the book


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As an hedge fund analyst
What does your job entail?
I am an analyst for a long short equity hedge fund. My main responsibility is to advise my portfolio manager on investment decisions. This involves forecasting earnings and valuing companies based on my primary research.
Do you have any specific areas of focus?
My sector focus is industrials (Capital Goods), which is extremely broad. Within industrials, I am currently focused on aerospace, defense and diversified engineering companies. On my personal interest, I also track technology sector especially internet companies.
Did anything draw you specifically to industrials/tech as a sector?
Being an analyst requires you to stay on your toes and achieve a very comprehensive understanding of industry players and sector dynamics. It is often learning about these companies' products and the science behind them, not just their financial statements.
What skills are emphasized in the work that you do?
I think it's very important to be a patient listener and a fast learner when you are picking up new concepts. You have to be methodical as well - sometimes you will spend quite some time learning the ins and outs of a sector or the particulars of a company before you can really get an edge. Diligence is probably the most important attribute for any analyst. It is very easy to lose the trust of your superior by messing up some minor detail, and once you have lost that trust, it can be hard to move back into a position where you have had the same responsibilities as you had before.


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RFQs & RFPs
The Northwest Bergen County Utilities Authority (the "Authority") is soliciting Qualification Statements from interested persons and/or firms for the provision of listed services for 2020. Inclusion of a position in this notice, however, does not constitute a warranty that the Authority will fill the position at this time or through this process. Through a Request for Qualification process, persons and/or firms interested in assisting the Authority with the provision of such services must prepare and submit a Qualification Statement in accordance with the procedure and schedule in the RFQs. The Authority will review Qualification Statements only from those firms that submit a Qualification Statement which includes all the information required to be included as described (in the sole judgment of the Authority). The Authority intends to qualify persons and/or firms that (a) possess the professional, financial and administrative capabilities to provide the proposed services, and (b) will agree to work under the compensation terms and conditions determined by the Authority to provide the greatest benefit to the taxpayers of Bergen County.
The selection of Qualified Respondents is not subject to the provisions of the Local Public Contracts Law, N.J.S.A. 40A:11-1 et seq. The selection is subject to the "New Jersey Local Unit Pay-to-Play" Law, N.J.S.A. 19:44A-20.4 et seq. and its disclosure requirements. The selection is also subject to the "Equal Employment Opportunity" N.J.S.A. 10:5-31 et seq. and its implementing regulations at N.J.A.C. 17:27-1.1 et. seq. The Authority has structured a procurement process that seeks to obtain the desired results described above, while establishing a competitive process to assure that each person and/or firm is provided an equal opportunity to submit a Qualification Statement in response to the RFQ. Qualification Statements will be evaluated in accordance with the criteria set forth within each RFQ, which will be applied in the same manner to each Qualification Statement received.
Qualification Statements must be submitted to, and received by the Authority Secretary, 30 Wyckoff Avenue at Authority Drive, P.O. Box 255, Waldwick, NJ 07463, before 10:30 a.m. on January 28, 2020. Qualification Statements will not be accepted by facsimile transmission or e-mail. The responses will be publicly opened and announced at 10:30 a.m. on January 28, 2020, in the Authority's office. The Authority is requesting Proposals for the position of:
The Instructions for Qualification Statements may be inspected or picked up by prospective respondents from the office of the Authority Secretary, 30 Wyckoff Avenue at Authority Drive, P.O. Box 255, Waldwick, NJ 07463, during regular business hours, beginning January 10, 2020 or may be found on the Authority website www.nbcua.com.
Alison Gordon, Secretary
January 10, 2020
RFQ Consulting Engineer for 2021 Service Charges
RFQ Grants Consulting Services 2020
Forms to be included with RFQ submittal:
September 18, 2020
Starting Wednesday, March 18, 2020, the NBCUA will be closed to the public. If you have any questions please call 201.447.2660. Thank you


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Pedro Antunes is chief economist at the Conference Board of Canada.
We often hear about the economic and policy challenges that Canada faces because of a retiring boomer cohort, but the scale of the problem isn't always clear, and solutions are limited. The lack of workers is already discouraging business investment, a situation that bodes poorly for growing the productive capacity of our economy. Already today, if not for immigration, Canada's work force would be declining in numbers, so immigration is key to growing our pool of labour. In addition, measures should be taken to maximize work force participation for under-represented groups.
Over the past two years, employment growth in Canada has been strong, reducing the number of unemployed to record low levels. At the same time, boomers (those ranging in age from 54 to 72) continue to retire, while school leavers (the population 17 to 24) will decline in numbers, at least for the next four years. Today, boomers still number about a third of our work force – more than 6.5 million – but their numbers will dwindle over the next decade as the number of retirees swells.
According to Statistics Canada, 251,000 Canadians retired in the past year – more than the 230,000 or so jobs added to payrolls. This tells us that for most Canadian employers, every net new addition to their work force requires at least two new hires – one person to fill the new position and one to replace the retiring boomer. In addition, many older workers leave the labour force for health reasons or for other personal or family reasons, to take care of a spouse for instance. In all, the number of boomers leaving the work force is likely closer to half a million – about 2.6 per cent of total employment eroded annually.
Canadian employers are faced with the challenge of finding workers with few left among the ranks of the unemployed. In late 2016, there were slightly more than six unemployed Canadians per vacant job; today, there are just over three. The situation is holding back production and there are plenty of examples of companies unable to operate fully because they are unable to fill vacant positions. According to Statistics Canada, there were more than half a million vacant jobs late in 2018.
An upcoming study by the Conference Board of Canada looks at how immigration and other sources of workers can help fill the void left by retiring boomers. The best path forward is for Canada to increase the labour force participation of women, Indigenous peoples and persons with disabilities in combination with gradually raising immigration levels. While immigration will continue to generate the lion's share of additional workers, increasing labour force participation rates for women, Indigenous peoples and persons with disabilities could add as many as 1.5 million to the labour force by 2030 – helping to support labour force and economic growth in coming years.
Given its demographic pressures, it is incumbent on Canada to identify how it can tackle the common barriers that impede the labour force participation of under-represented groups such as women, Indigenous peoples and persons with disabilities. Lifting labour force engagement among these under-represented groups is not impossible, although tackling this issue would require leadership and funding. For example, affordable daycare is known to help lift the participation rate of women –some studies even suggesting that daycare can pay for itself as it drives up employment, wages and tax revenues. We know that modest investments in physical access to workplaces (such as ramps and handrails) and inclusive practices to better integrate people who have physical disabilities can have a significant impact on the ability of physically disabled Canadians to join the work force. For Indigenous Canadians, a clear starting point is to improve high school completion rates, especially for First Nations' young adults living on reserve.
While coming up with specific solutions is easier said than done, there is a moral imperative to promote inclusive economic growth – doing so will improve the economic outcomes for such talent sources and their families, alleviate poverty and strengthen our social inclusion and cohesion.
Corporate Communications
Access to the Conference Board's reports is free of charge to professional journalists upon request.
Our experts are available to share research insights. Contact us.
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*Incorporated as AERIC Inc., Agreement No. 40063028


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Receiver maskirne boje, koji dolazi sa baterijama i punjačem. Doseže do 500 mt.
- State of the art remote reception
- 8 Volume settings
- Vibration alert
- Low battery warning
- Up to 500m range
A state of the art receiver to work alongside the Fox range of alarms.
The Fox Micron RX3 receiver is a discreet size that will fit comfortably in the pocket or sit subtly on a bivvy table or in the magnetic holster which will attach to the bivvy material. The receiver itself provides state of the art remote reception at ranges of up to 500m in the right conditions. It also comes with a host of features which you would typically expect from Fox. These include 8 volume settings, vibration alert, on/off/ registration mode button, interchangeable LED lenses, a low battery warning, high output weatherproof speaker, protective coated electronics and more .
An exceptional high end receiver from one of the best Bite alarm manufactures around.


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An Easy Romance Vessel
Tessy King
"A vessel is a sculpture. These works are intended to have dual functions - to transform a space and to generate experiences."
Glazed earthenware
680mm x 380mm x 280mm
Please note: this vessel is designed as a sculpture and cannot hold water.
This is a one-of-a-kind item and once sold out, cannot be made to order.
This item will be made to order by the artist; please allow approximately four weeks.
Prices listed are a guide only and may vary depending on the size and materials used.
If there are any changes to the price or estimated delivery time,
we'll contact you within three business days to confirm.


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Air tickets
Image in Travel Ltd. offers full service for your trip. Booking for all regular and low-cost airlines online or in our office.
Contact our Ticketing & Reservations Manager and plan together with us your next trip.
- Viktor Petrov
Ticketing & Reservations
+359 898 470 038
- +359 2 9888 178
Explore Bulgaria and Romania
8 days, 2 countries Visit places full of history, enjoy amazing architecture, try [...]
Useful tips for all travel lovers
In order to not turn the long-awaited journey into a nightmare, we offer several convenient solutions that will save you a lot of headaches


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ESG reporting: a route through a maze
5 October 2018
Anuj Saush discusses how companies can manage their ESG reporting workload in a more productive way.
There has been dramatic growth in ESG (Environmental, Sustainability and Governance) investing during the past 20 years – but along with this positive trend comes an equally dramatic rise in ESG reporting requirements, and a proliferation of rating agencies and assessment tools.
How are companies coping with this development? The Conference Board surveyed 61 sustainability executives to find out. The bottom line: while ESG reporting can be onerous, it's possible to manage and improve the process – and there are multiple benefits to be gained from it.
Key issues in ESG reporting
Some of the negative aspects of ESG reporting include:Providing ESG information is a heavy lift. Companies take 18 workdays, on average, to respond to each ESG information request, and typically respond to more than one such request each year. Among ...


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This cute set of icicle ornaments are fun and different to put together.
Instructions are included on how to put them together and I do recommend you use wool, felted wool or felt, or any fabric that doesn't fray unless you want this effect on the outer edge.
Each ornament is 3x5
Artwork by Primsy Doodles
Pattern Created by Marian Pena / Seams To Be Sew
$ 5.00
$ 5.00Buy Now


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The lightest weight wool throw ever crafted. Available in 5 delicious colours. Beautifully spun + finished with a hand edged tassel. These reversible (with a paler version on the other side) throws are the perfect adornment for the home whether draped over the sofa or across the bed. Ideal for afternoon naps, to add depth of colour or for a touch more warmth. Designed to compliment one another, hence they look superb stacked together. Cold hand wash in a non chemical detergent and dry flat in shade or dry-clean. Avoid tumble dryer.
Please Note - Colours in order in first photo - Oatmeal, Smoke + Caramel. Colours in order in fourth photo - Smoke, Caramel, Oatmeal, Ivory + Rust
Fabric - Wool
Free Shipping Within Australia + $20 AUD International Shipping (per order)
Returns Policy - All our textiles are made by hand in small quantities by real people. They are crafted from natural, raw fibres with colour variations and imperfections. please consider if this style is for you before making your purchase. If you're not satisfied with your product however, please email us to advise.


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Strong finish sees North East selection to victory against West Northwest in Laois GAA trial game
Eoin Keogh goes full-stretch to keep out this shot on Saturday. Pic: Denis Byrne.
A rampant second half display from the North East selection saw them run out comfortable winners in the end of this Laois Divisional Trial Tournament clash in Mountmellick on Saturday.
North East 2-21
West Northwest 1-11
With both of these teams having lost their opening round games, it was a chance to get some momentum heading into the final round of matches, and it was the North East side who took that chance.
While the final scoreline was one-sided, it had been a good, close competitive game for 40 minutes, until the North East side moved through the gears. Colm Murphy and Evin Keane were superb in their full-forward line, while Finbarr Crowley showed an impressive eye for a score, landing 0-5 from play.
The North East team are still hoping to welcome back a few O'Dempsey's players for the final game, although Rory Bracken did line out here as he will be out of the country for the next game. He did well too, as did a number of other players on both of these teams, with plenty to ponder for John Sugrue and his management team.
Colm Murphy was one of those to impress, and he opened the scoring in the second minute. James Moore responded for West Northwest with a point from the left wing, but Murphy quickly responded for North East.
A Moore free tied the scores once more, before Murphy made it three points in the opening eight minutes with a free. Evin Keane then had a great chance to push North East further ahead when he had a shot from close range moments later, but Marcus Redmond made a brilliant, last-ditch block to deny him.
Colm Murphy then had a goal chance saved before Keane opened his account with a point in the 16th minute, and Finbarr Crowley soon added to that seconds after coming in as a sub. Another point from Colm Murphy made it a four point game, with Crowley and James Moore (free) trading points after that.
The West Northwest selection needed to get something going themselves, and it was Joey Shelly who provided the inspiration with two superb points in quick succession. Colm Murphy hit back for North East, but then a Moore free and good point under pressure from James Mullaney had the West Northwest team back within one.
North East finished out the half that bit stronger though, as Evan Costello pointed from the right wing and Finbarr Crowley added two more to see them lead 0-11 to 0-7 at the break.
West Northwest quickly ate into that lead though when play resumed, and again it was Joe Shelly who was central to it. He pointed in the opening minute of the half, before showing brilliant pace to cut in from the right wing and get a shot at goal. His initial effort was saved by Niall Gorman, but Shelly followed up on the rebound to level the scores.
Colm Murphy was again the one to hit back for North East, but another James Moore free kept the scores level.
It was only now that the North East side started to assert some dominance on the game, as Shane Murphy and Finbarr Crowley pointed before Evin Keane hit a brace and Colm Murphy palmed the ball to the net for their first goal.
The floodgates opened to an extent after that, with Murphy and Keane to the fore. Keane for the second North East goal in the 46th minute, slamming home a loose ball from close range, and it was a relatively fuss-free run to the final whistle from there.
They will not play East Central in their final game next week, while West Northwest will finish up with a game against South East.
Scorers: Colm Murphy 1-8 (0-2 frees), Evin Keane 1-5, Finbarr Crowley 0-5, Shane Murphy, Evan Costello, Darren Strong 0-1 each.
Team: Scott Osborne (Portarlington); Alan Whelan (The Heath), Diarmuid Bennett (Portarlington), Mark Dowling (The Heath); Sean Byrne (Portarlington), Patrick O'Sullivan (Portarlington), Shane Murphy (Emo); Robbie Dowling (The Heath), Rory Bracken (O'Dempsey's); Nigel Murphy (Emo), Evan Costello (Emo), Brian Ging (The Heath); Evin Keane (The Heath), Jack Owens (Emo), Colm Murphy (Portarlington). Subs: Niall Gorman (Emo), Paddy Dunne (Emo), Elliot Scully (Annanough), Graham Weldon (Portarlington), Darren Strong (Emo)
Scorers: Joey Shelly 1-3, James Moore 0-6 (0-5 frees), James Mullaney, Rob Tyrell 0-1 each.
Team: Eoin Keogh (Mountmellick); Marcus Redmond (Rosenallis), Ruaidhri C Fennell (Rosenallis), Darren Fitzpatrick (Mountmellick); Conor Flynn (The Rock), Eoin George (Mountmellick), Fiachra C Fennell (Rosenallis); Gearoid Hanrahan (Mountmellick), Rob Tyrell (Camross); James Mullaney (Castletown), Colm Coss (Mountmellick), James Moore (Ballyfin); Aaron Dowling (The Rock), Joey Shelly (Rosenallis), Cathal C Fennell (Rosenallis).
Referee: Maurice Deegan (Stradbally)
COLM MURPHY: The Portarlington sharpshooter was back to his best after a summer in the USA. He scored 1-8, with 1-6 of it coming from play, and was a threat from start to finish. Could have scored even more and will push hard for a spot on the panel on this form
EVIN KEANE: Followed up on an impressive display in the first round of games with another eye-catching performance. Constantly moving and trying to provide an option for those further out the field, he will have put himself firmly in the thoughts of the Laois management team
RORY BRACKEN: A solid performance at midfield, just a week after losing a county final. There was a good midfield battle in this game, and he was the best of the four on show.
EOIN KEOGH: He hasn't really had a chance to show his talents at senior level for Laois with Graham Brody playing so well, but he was outstanding in this game on Saturday. Made a string of stunning saves and his kickouts were spot on as well.
JOEY SHELLY: The Rosenallis flyer was their best forward, scoring 1-3 from play. More than that though, he had a real appetite to work and make tackles, which he showcased by sprinting 50 yards after a North East player in the second half to dispossess him in midfield.
ROB TYRELL: A tough evening for the Camross man but games like this will stand to him. Bags of potential and finished the game with a nice point.


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US oil and gas companies can offer Iran higher advantage compared with European firms due to their expertise and state-of-the-art technologies, oil minister Bijan Namdar Zanganeh said.
Asked whether Iran would prefer to collaborate with US or European companies, the minister said: "Both. Any of them that come. Of course, Americans are higher in terms of technology. The Europeans don't have any particular advantage. But we are open for all."
International oil companies are keen to return quickly to Iran if sanctions are lifted, Zanganeh said, speaking to Platts as he flew back to Tehran after OPEC talks in Vienna on June 6. Oil companies from Europe and the United States would be welcome in Iran's upstream, he said adding that US companies would be particularly valued because of the superior technology they could bring.
The minister met with top oil company executives, including the CEOs of Shell, Total, Eni and Lukoil, on the sidelines of OPEC's international seminar, which preceded Friday's ministerial meeting. However, no meetings took place between Zanganeh and the heads of US majors ExxonMobil, Chevron and ConocoPhillips, all of whom participated in the OPEC seminar.
"All of them say [they] will come quickly after the sanctions. They know the general framework of the new contract model," Zanganeh said, referring to a new upstream contract that will be launched later this year, possibly as soon as September, alongside an offering of projects.
"There are mostly the brown fields planned to be offered in September, like Gachsaran, Maroun, Bibi Hakimeh and Pazanan, for we stress and are interested in oil recovery," he added.
"We exchanged views about [oil recovery] projects with international oil companies and they had interest. Some were even familiar with our projects. Like Shell, which had worked for a long time on Agha Jari oilfield."


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Soon we will more and more be turning to Montana to show you THE JOURNEY OF HOPE in Action. Please come back often for Journey Updates on this exciting new Montana Journey!
Meantime, just a few musings are in order after the dramatic highs and lows of yesterday in two death chambers, USA...Georgia and Florida...
Susanne, co-blogger, placed an astute comment under the tragic pieces posted from reports about Dorothy Harris who was Henyard's victim in so many ways, both because she was raped and nearly killed and as the mother of the two children he evidently murdered...
NOTE: Her's was a reply to "Anonymous" (before Florida's execution September 23, 2008):
Anonymous wrote in comments space: "Henyard's very existence is appalling. The girls are dead; he is not, and the state is about to rectify that injustice."
IN REPLY, Blogger Susanne said...
"Dear anonymous,
You might have noticed that we do publish all (comments)... no matter if they are Pro or against the DP as long as they are written without bad words...
I'm thinking of the girl's mom. She surely was a victim. She got raped and shot and HER children are dead. But from her we read...
"It won't bring back my girls,"..."Lewis remarked that if she demanded Henyard's execution, she'd be no better than the 18-year-old "
SHE surely does not want this execution. All she seems to want is to leave all of this behind her. But even of this possibility the state of Florida stripped her. If Henyard would have been sentenced to life in prison everything would have been over with years ago and she would not have had to live through lots of appeals and letters constantly reminding her.
So the state of Florida totally neglected the victim's wishes and by doing so victimized her for a second time.
I think she is a really remarkable woman. After all she's been through--picking up life again and preaching love. And my sorrow really goes out to her, not only because of what Henyard has done to her but also because of what the state of Florida has been doing to her for 15 years!"
Please scroll below and the the right for the archives for more items like this and different and also don't forget to check out the good sites listed under links! Especially at this time--when there is a regular "killing field" going on across America with so many states refusing to question the reason, general fairness and assumed value of the death penalty.
In such crucial times as these, let's put our funding, energies, skills and creativity into ending poverty, preventing crime, reducing guns, providing much more support for families and children, free and low-cost ongoing education for all ages--including parenting, cultural understanding, sociology, prisons, justice, mediation and relationship skills--not matter what and other programs which will elevate our society like executions never will.
And finally, let's listen to those who know what they are talking about just like the powerful speakers who've been on death row, experienced the murder of beloved family members, been through or are facing execution of dear family--and others who speak across the nation: The Family of The Journey of Hope.


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Emperor of Solo Play
Chapter 73 : Secret Society (3)
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Emperor of Solo Play
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Chapter 73 : Secret Society (3)
Chapter 73 – Secret Society (3)
– This is to be expected from the Hahoe Mask.
– Are you putting up the Hahoe Mask part too? I'll be waiting.
– Isn't he better at Armor Break than most rankers? I don't know why he is a Necromancer.
– If we look at the Helm Ogre's eyes, can we tell if it is a Corrupt monster?
– I looked at it closely after I read the post above. There is a black marbling in his eyes, so it's 100% Corrupt.
– So the Corrupt Monster was at the Parung Forest. It is a main quest monster. I guess I'll have to go there once.
The video garnered over 100,000 comments. Choi-sulyeon angrily scrolled down with her smartphone to read the comments left below the video. She scrolled up endlessly and, as if she didn't want to see it anymore, turned off the smartphone's screen. Her reflection could be seen after the screen turned black, her face filled with irritation and discontent. However, she still looked beautiful.
'Which guild is in the possession of the Hahoe Mask?'
Hahoe Mask Hyrkan.
He couldn't be called a super rookie any more. Now the 30 great guild had their eyes out for him. He was a topic of conversation, and he was talked about as much as any of the rankers. Moreover, his skills were already acknowledged by the rankers. Even with the same level, class, and items, no one could easily guarantee that they will win against the Hahoe Mask in a 1on1 matchup.
On top of that, he had chosen the class of Necromancer, and it meant he had intimate understanding of this game, which allowed him to become as strong as he was now. All the guilds coveted him. The 30 great guilds and the influential guilds were focusing on growing Necromancers now. However, the final product paled in comparison to Hyrkan.
Currently, the 30 great guild thought Hyrkan was attached to a guild. They determined there must be a guild sponsoring him. If that wasn't the case, they couldn't come up with an explanation regarding the Hahoe Mask's play. It was impossible to accept his success if that wasn't the case.
That was the reason why Choi-sulyeon was angry.
She was irritated he wasn't within her grasp. Moreover, it made her much more irritated when that person was within another person's grasp.
'How the hell are they in front of us?'
The guild with the Hahoe Mask in their grasps was farther along in the Main Scenario Quest than the Stormhunter guild. She wasn't annoyed by it. She was seriously worried about this problem.
Choi-sulyeon gritted her teeth.
She wanted to look for a decisive method where they would be able flip the situation. However, she felt frustrated since she couldn't come up with any ideas.
At that moment, her smartphone suddenly rang. She saw a familiar number on the screen.
'A call?'
Usually, he contacted her through the chatting app. There must really be an urgent business if he was calling her directly.
Choi-sulyeon answered her phone.
"What is it?"
– It's a breaking news.
"Do you really need to deliver this news by calling me?"
Choi-sulyeon's voice was sharp. The officer of the Stormhunters who had contacted her realized Choi-sulyeoun was in a fould mood. He immediately told her the news without any preamble.
– Triple Wing and Big Smile just declared war.
"How bad is it?"
The light in Choi-sulyeon's eyes changed. Of course, she knew those guilds. Those two guilds were part of the the 30 great guilds.
– It's almost an all-out-war.
"That is a breaking news."
When the call ended, Choi-sulyeon moved quickly.
'Is the Corrupt being finally coming out?'
For a brief moment, she stopped worrying about the Hahoe Mask.
[Your Level has risen.]
When he successfully achieved level up, the Black Troll skewered by Hyrkan fell forward. Hyrkan extracted his sword from the Black Troll's body. Hyrkan looked around his surrounding, then he lowered his guard. The Skeleton Warriors who had been in their fighting stance relaxed as they took cue from their master. Hyrkan gathered them around him.
Hyrkan checked his Stats, while he was in the midst of the Skeleton Warriors.
– Level : 80
– Class : Magician
– Title : 40
– Stats : Strength(762)/Stamina(321)/Intelligence(491)/Magic Power(605)
'The effect of the ring is killer.'
He invested his Level Up bonus points to Intelligence, and he couldn't believe his Stats even though he was looking right at it. There wasn't any indication here, but the effect of the Stamina and Magic Power recovery increase option was quite devastating. Currently, Hyrkan barely felt the lack of Magic Power.
That wasn't all.
'This 5s Model was really well made. It feels completely different from the Level 4 Model.'
The Level 5S Model was worth its cost. He didn't regret cutting his daily spending money for food and basic necessities.
This two factors allowed Hyrkan to basically slaughter the monsters inside the Parung Forest.
'It's time for me to graduate from here.'
In other words, he had outgrown the Parung Forest.
Of course, he would be able to become level 100 by staying at the Parung Forest. In fact, most of the users hunting in the Parung Forest right now were at least level 90. However, Hyrkan was able to take down stronger monsters than the ones here. He wanted something with better exp.
'Also, there are more people here now.'
Above all else, when the footage of the Helm Ogre was released, the users over level 100 flocked towards the Parung Forest. These users were the ones who picked up the scent of the Main Scenario Quest. Now, the 30 great guilds would do anything to send their guild members this way. His competitors will increase. Moreover, those who were jealous of Hyrkan's fame would try to start a fight with him for no reason.
At this point, Hyrkan thought hard about his decision.
'It would really be hard for me to go to the great Urugal mountain range right now.'
If he was currently level 90, Hyrkan would have headed towards the great Urugal mountain range. The difference of 10 levels was quite significant.
Hyrkan let out a troubled sigh.
'Let's take care of this first.'
Hyrkan momentarily halted his worrying thoughts and started dismantling the Troll's corpse. He peeled off the leather with a deft touch, waiting for the Troll to melt away. In that brief amount of time, he found an article on the Internet.
'The Triple Wing and Big Smile is going at it for real.'
The current hot news in Warlord was the fight between the members of the 30 great guilds.
It was Big Smile vs Triple Wing.
Big Smile was a guild consisting of mainly Chinese users. They were top 3 within the 30 great guilds in terms of membership. Triple Wing had users from all over the place, so it was meaningless to associate any country with the guild. Like Big Smile, they were also one of the top 3 guilds in terms of haivng the most members.
These two guilds had diversified their businesses. Since they had a lot of users, they had their hands in a lot of things. Whether it was the Main Scenario Quest, PVP, Raid, or regular hunting, they created a lot of contents regarding Warlord.
On the other hand, they didn't have a sure-fire content they could fall back on. Since both guilds operated in a similar way, the two guilds clashed quite often. They considered each other to be competitors.
'Wow. They intruded on a Raid? They were always on bad terms, but this seems to be more serious.'
This conflict didn't look ordinary even in Hyrkan's eyes.
Moreover, it was a very big deal that the Big Smile had intruded on a Triple Wing's Raid.
The guild members always bumped heads with each other on the road, and they had frequent skirmishes. However, it was something that could be overlooked. Although if one interrupted a raid, it was a statement saying one didn't care if they died or the other side died. It basically meant the fight was on and they weren't going to put any time limit to it! The act perpetrated was egregious enough to elicit this response.
Before Hyrkan returned to the past, the two guilds had a bad relationship with each other, but it wasn't enough to elicit such a desperate struggle.
'Is it because of me?'
There was a high probability that Hyrkan was the main cause of this event.
This was commonly called the butterfly effect.
Hyrkan had returned to the past, and this was the result of him changing the history. He had already massively fucked over the Hydra guild. If such factors starts to mount, there was a high probability that it culminated to a war between these two guilds.
Of course, he didn't feel a single inkling of guilt at the sight of the two guilds colliding with each other.
No, he was thankful instead.
'Yes. I hated seeing both these guilds. It would be great if they both go under from the fighting.'
He didn't have any good feelings towards these two guilds. When the Stormhunter guild decided to chase Hyrkan out of Warlord, they had sought the cooperation of the 30 great guild. A ragtag group from the Triple Wing and Big Smile had attacked Hyrkan to gain notoriety. They didn't even fight him one on one. They gave some bullshit excuse saying it was his judgement day. About half a dozen of them attacked Hyrkan.
Those mother fuckers.
'Just by looking at this, you never know what will happen in this world.'
This thought acted as a catalyst.
'Wait a moment.'
This was a catalyst that changed Hyrkan's train of thought.
'Was Ahimbree also a member of the Society?'
Hyrkan glanced at his left hand.
'What would happen if I meet Ahimbree while wearing this ring?'
The list of his worries was long.
'If I go to the Bagntz castle to meet Ahimbree and come back to the Parung forest, the round trip would take a whole day. Will I be wasting my time?'
It would take him at least a day to go meet Ahimbree. From Hyrkan's perspective, the one day's time made him hesitate. If he couldn't earn anything from Ahimbree, he would basically wasting his precious time.
'Ahimbree is a NPC that gives a Skill Book later at level 200. Let's go meet him at least once.'
Ahimbree was a mainstay NPC in Warlord. Hyrkan would see this NPC several times in the future. He had a cause to contact Ahibree, but should he leave him alone? Hyrkan thought hard on it and came up with an answer.
'Anyways, I can't immediately approach the great Urugal mountain range right now. If I die on the way there, I'll receive a 48 hour penalty. That would hurt more.'
After making his decision, he sought out the Bangtz castle after a long absence to meet Ahimbree.
It wasn't too hard to meet Ahimbree.
"You are his student."
Normally, if one didn't have a quest, it was impossible to meet Ahimbree. In Hyrkan's case, he had earned the title of Ahimbree's Disciple. This was another power of that title.
This was how he was able to meet Ahimbree.
"I've heard about you from the Maeung. You are now a member of the Society."
When Ahimbree saw Hyrkan, he immediately brought up the story about the Society. Hyrkan was filled with anticipation.
"Yes. I am proud of becoming a member of the Society."
"I also feel happiness at seeing you pick the right path."
"No. You are the reason why I was able to earn such an opportunity."
"Let's end the pleasantries here. The Society's role is very important, and at the same time, it has to be kept as an utmost secret. Our enemies are everywhere. They are men with influence. You have to be careful. Moreover, you have to get stronger. Our enemies are strong as they could be."
Hyrkan sounded out his feelings at that moment.
"That part worries me greatly."
"I've received a mission from the Maeung. However, it is a mission I cannot carry out with my current ability. I'm not afraid to die, but I am afraid of failing the mission."
Those words made Ahimbree stare intently at Hyrkan. Maybe the programming and the AI was assessing Hyrkan's situation, and it was calculating to come up with an answer. However, it really felt as if this other being was giving careful consideration instead of a calculation.
Basically, it didn't feel like a game.
'Sometime, this kind of stuff scares me a little bit.'
Hyrkan held his breath when Ahimbree opened his mouth.
"Do you want to become stronger?"
"I think that would allow me to defend the world from this Corrupt group."
"You need power so you can save the world from the monsters?"
"Then this is the only preparation I can give you."
After Ahimbree spoke, he took out a piece of paper. He placed the paper on top of the desk while tapping a fallen pen with his finger. The pen got up by itself and started to busily dance on top of the paper. The pen started dancing from the top and came to a stop at the bottom. The pen fell over as if it was exhausted. Ahimbree placed the pen aside and folded the paper. Then, he lifted it towards Hyrkan.
Hyrkan approached closer to Ahimbree and took the paper.
Ahimbree gave a stern warning to Hyrkan.
"If you want power to fight then you have no choice but to grow it through fighting."
[Quest 'Ferocious Battlefield' as begun.]
Ahimbree gave him an admission ticket into the Battlefield.
Heh-bibin, one of the officers in Big Smile, covered his face with both hands. He did this even while a breathless battle was happening in front of him. He had on a very worried look. Until a moment ago, he had been busy throwing magic in the hunting ground. However, the number of viewers for the most recent broadcast made him act this way.
'The number of viewers are plummeting.'
The recent war between Triple Wing and Big Smile didn't bring smiles to anyone. Instead, it made everyone sad.
The all out war with the Triple Wing wasn't ending easily. Instead, it had ballooned into something they couldn't control. During all of this, the viewership didn't expand. Instead, the number of viewers watching Big Smile's broadcast was greatly reduced. With the all-out-war with a member of the 30 great guild looming, this drop in viewership was a very serious issue for Big Smile.
"Fuck. That Brook bastard. He's an officer yet he made such a mess like this!"
In the end, Heh-bibin exploded.
Big Smile's officer Brook was the main culprit who had started this all-out-war. He wanted to cut Brook into pieces.
A small incident with the Triple Wing was the root cause of this all-out-war.
Brook had reached out on Triple Wing's SNS and criticized them. Of course, the Triple Wing demanded an apology. They wanted Brook to put up an apology post on the SNS. Instead of an apology, Brook had put up insults.
'Crazy bastard. He should have nipped it in the bud. If I was the Guild Master, I would have cut this bastard from the roster!'
In the first place, Brook lived by feeding off of his own pride. He was a selfish guy, who only thought about himself rather than the others around him. Still, Heh-bibin never expected this guy to be this crazy.
In the end, the Raid had detonated the beginning of this war.
Brook led his personal troops to conduct a Boss Monster Raid and someone had interrupted it. The interloper was a member of the Triple Wing guild. However, the initial fault was with the Triple Wing, so they had given an apology. The apology was basically consisted of an 'I'm sorry.' Brook couldn't hold himself back.
Brook didn't send a report to his guild. He took his personal troops to the nearest Triple Wing's Raid and interfered with them.
This was the end result.
'We need a turnaround.'
They had focused their forces towards the war with the Triple Wing, so the content of their usual broadcasts were becoming poor. It was affecting their viewership numbers. If their viewership numbers decreased, it would affect the money they earn from sponsorship.
It would finally lead to the live channel being given to a different guild.
The situation was keep getting worse.
This was why Heh-bibin was looking for an opportunity to turn this situation around. There needed to be some kind of change.
However, such an opportunity was hard to come by.
'Isn't there anything suitable?'
At that moment, Heh-bibin received a text. When he heard the notification for an incoming text, Heh-bibin frowned.
'Apollo. Why is this guy sending me a text?'
The ID indicated it was from Apollo.
He was Heh-bibin's personal patron. Apollo was wealthy, and he had given considerable monetary support to several officers in the Big Smile Guild which mainly consisted of Chinese users.
Of course, Heh-bibin had kept a respectful distance from him. He knew Apollo wanted to make a guild in his own namesake, so it wasn't proper to be in contact with him. However, he had already taken Apollo's money. At the very least, he could give Apollo his attention.
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Does Buying a Home Always Help My Tax Return? – Budgeting Money – Homeownership involves many expenses that you don't pay when you rent an apartment, such as property taxes, interest on home loans and the cost of maintaining the home. Buying a home can, however, save you money when you file your annual income tax return because many home-related expenses are tax deductible.
So how does buying a house help with doing my income tax. – So how does buying a house help with doing my income tax return? I just bought a house november 2007 and I don't know the hype about buying a house and having it help with my income tax? How are they related or what should I be applying for?
can you use home loan for renovations
Is Owning Your House Outright a Bad Idea? – Little House. – Is Owning Your House Outright a Bad Idea?. mmm.. taxes AND money seems to be on the OWNING a house side. Reply. AZguy on January 7, 2011 at 12:26 am I LOVe having my house paid off.. Property taxes will most likely be way less than what you would pay for a similar property in rent.
11 Reasons Why I Never Want To Own A House Again – Forbes – Forbes 400 America's Richest Self-Made Women. Owning a house subject to a mortgage drives up debt to income ratios.. I like for things to be predictable and real estate taxes can vary.
financing mobile home with bad credit
How real estate property taxes work | HowStuffWorks – But if you've never owned real estate or your own business, you may not know how real estate property taxes work. In medieval Europe, property taxes were based on the size of a piece of land. Generally speaking, the larger the piece of land was, the higher the real estate property tax was.
Tax Benefits of Buying a Home in 2019 | LendingTree – Property tax deduction. For example, Los Angeles County assesses property taxes on a fiscal year running from July 1 to June 30 of the following year. Property owners may pay their property taxes in two installments, the first installment due on November 1st and the second due on February 1st.
Cobuying a Home | Nolo – Cobuying a Home. Buying a first or second home with friends or family can make it more affordable.. Your ongoing homeownership expenses may include mortgage payments, property taxes, insurance premiums, repairs, utilities, and other costs of maintaining and operating your home.. When you co-own a house, getting out of the deal may not be.
What Are the Tax Benefits of Buying a Home? — The Motley Fool – What Are the Tax Benefits of Buying a Home?. The good thing about points is that they can work as a tax deduction, if not right away then over time.. Here's How IRAs Can Help.


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Fujifilm recently released the new X-T2 mirrorless camera along with a wide variety of lenses and accessories. It made its debut along with 22 other compatible lenses. The camera's design looks quite similar to its 2 year old predecessor and is only slightly larger this time around. The design was effective with the first iteration so Fujifilm opted not to mess with it.
The camera is built around what Fujifilm calls a "central viewfinder style." The device weighs approximately 1.1 pounds, is fully water and dust resistant, and is capable of operating at extremely low temperatures.
One of the most major upgrades is the added ability to shoot in 4K video at 24, 25, or 30 frames per second. The sensor is now an incredible 24.3 megapixel APS-C X-Trans CMOS III sensor. In the T1, the sensor was only 16 megapixels. Inside the camera is a new X-Processor Pro chip designed to offer the shooter better autofocus with 325 single points.
The camera is priced around $1,600.00. This is the starting price for the body alone. For an additional $300.00, it will come with a kit zoom lens that is 8-55mm. Compared to other mirrorless options on the market, this camera might be considered a bit expensive. This is a significant increase over its predecessor but from the reviews posted so far, it seems users will get what they pay for.
The Fujifilm X-T2 fits comfortably in the hand. It is lightweight and the layout of buttons has mostly stayed the same compared to past generations. There is an optional Vertical Power Booster Grip that adds bulk to the camera but also packs an additional two batteries. For example, when recording 4K video, this will extend the recording time from just 10 minutes to 30 minutes.
The camera's ISO has been increased a fair amount from 6,400 to 12,800. The autofocus works ridiculously fast which has long been a feat mirrorless cameras have struggled with. Shooting in 4K is made easy with this camera. Even a beginner would be able to learn this camera's ins-and-outs. With a viewfinder, shooting outdoors is not a problem. Plus, the three-inch articulating screen with newly added left and right flexibility allows for three-directional tilting. Shooting has never been more convenient.
Fujifilm has built a high quality mirrorless camera with simply outstanding components. The new X-T2 will launch in September.


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If your home value has declined and you feel that you are underwater. The Home Affordable Refinance Program (HARP) may be able to help lower your mortgage payment. If you are current on your payments and your mortgage is owned by Fannie Mae or Freddie Mac, you may be eligible. Take advantage of this great program now.
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Federal regulations require any company selling products in the United States to report any report that a product is dangerous or defective to the U.S. Consumer Product Safety Commission. As the company receives complaints regarding a particular potentially defective product, it will make the determination of whether a product recall is should occur. After some 300 complaints, it was determined that a recall of the tea tumblers distributed by Teavana was appropriate.
People who frequent Teavana in Colorado need to know that consumers have complained that the tea tumblers are shattering for no apparent reason. Most often, they are in use when it happens, but one report indicates that the tumbler was on a shelf when it spontaneously exploded. A minimum of six people suffered injuries such as burns and/or cuts when their tumblers broke.
The CPSC will need to make a determination whether Teavana should have issued a recall earlier than it did. The fact that the recall was only recently issued when the first complaints were received around February could be problematic for the retailer. In any event, consumers are being asked to cease using their tumblers and to return them to all but three of the company's locations or by mail.
Every consumer will receive a tea tumbler made of metal and two ounces of one of the company's teas for each tumbler returned. So far, no serious injuries have been reported in connection with Teavana's defective product recall. However, should any Colorado consumer be seriously injured due to one of the defective tumblers, that person has the right under Colorado law to file a products liability complaint against Teavana.
Source: MSN Money, "Shattering tea tumblers recalled," Mitch Lipka, May 30, 2013


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Updated: 11 August 2020
Meet David Stirk, a whisky aficionado, author and dedicated business owner. After graduating with an Honors Business Degree, David went on to work in a few different whisky companies, and even wrote a book called 'The Distilleries of Campbeltown'. However, despite loving the industry he was in, David found himself yearning to take control of the business and make his own choices.
In 2004, the opportunity arose to buy a fantastic cask of whisky, and it gave David the spark to start his own whisky bottling business, The Creative Whisky Company. Based in the beautiful Lowlands of Scotland, his business has gone from bottling 15 casks a year, to doing seven times that amount today. As with any growing business, things can change over the years, however at The Creative Whisky Company, one procedure has remained: every cask they bottle is 'nosed and tasted' by David and his business partner.
The whisky industry is a large and competitive market. To invest in more stock and continue growing, David and his team have borrowed more than £390,000 from Funding Circle investors since April 2017. 'I'd been in an eight month period of waiting for a mortgage to come through on the buildings that we bought. I just thought, it's time to try another avenue, so that's when I went to Funding Circle and I was amazed with the speed and the honesty. Everything they said would happen, happened.' said David.
In this short video, meet David and hear more about his passion for the whisky industry:
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Rebellion's co-op shooter comes to life on August 28th on Xbox One, PS4 and PC. For the record, the game can be played solo but might be more fun with friends. Take a look at the Strange Brigade overview trailer to get a taste of what to expect. Features: –


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LA VILLA — The board of aldermen here couldn't meet Wednesday to again discuss the per diem travel rate for themselves and city employees due to lack of quorum for the second time this month.
Mayor Alma Moron called the special meeting because all aldermen were absent form the regularly scheduled one on April 11 — a week after raising the per diem allowance for themselves, from $150 to $250, and for city employees, from $75 to $150. The allowance covers meals and incidental expenses for out of town trips.
Since Mario Lopez and Joe Contreras were the only two aldermen who showed up Wednesday, the meeting could not take place because at least four aldermen must be present to meet special meeting quorum requirements. Though Moron was in attendance, the mayor cannot make or break quorum.
Contreras, a truck driver, requested the per diem rate be placed back on an agenda after the board voted to increase the daily allowance at the meeting he was not able to attend due to work. He said he wants an opportunity to voice his opinion, during a meeting, against the current per diem rate.
"Hopefully, we'll be able to address it in the next meeting," he said.
Aldermen Jorge Lopez, David Palomin and Manuel Hinojosa, who raised the per diem allowance at the special meeting on April 4, did not show up Wednesday or to this month's sole regular meeting.
Aldermen were also going to be updated on the wastewater treatment plant expansion project and possibly hire a police chief and two full-time officers, in addition to the per diem rate.
"We have reserves that are helping (the police department) out, but ultimately, we want to fill those positions," said City Administrator Arnie Amaro.
Moron said she will discuss the agenda items left unresolved Wednesday with Amaro and determine if another special meeting is necessary.
Lack of quorum is not uncommon, and there are no attendance requirements for special meetings, Lopez said.
Special meetings have been held on Saturdays to "accommodate" aldermen who might not be available during the week, Moron said.
Most items can likely be discussed at the next regular meeting slated for 6:30 p.m. on May 9, according to Amaro.
"The items will get addressed," Contreras said.


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Abstracts on Recent Research in Cookery and Allied Subjects: I. Refrigeration
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THE growing need of our students for work which will prepare them to meet their immediate professional demands gave rise to the organization of a course dealing with progress during the past decade in research in cookery and allied subjects. In order that the results of this course might be as far-reaching as possible, the lecture and discussion material has been condensed into a form convenient for immediate student use and later ready reference�in other words, into abstracts.
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