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The sale might be due to the fact that brand-new patterns and designs are squeezing old stock off the racks. You may be able to discover very appealing, classic comforters on sale, but you may also uncover that a few of those "too good to be real" specials are reserved for patterns that did not make the cut. That does not mean you must avoid those offers if they store something you like. You must realize, however, that you may not be selecting from the current or most popular patterns and constructs.
If you get just the coverlet then it might not serve its purpose totally as it is made use of to decorate and beautify the space. For that reason, you need to have a whole coverlet set. The coverlet set might include a coverlet, pillow shams, cushions and bed skirt. Pillow sham is the pillow cover which matches the coverlet and bed skirt is fitted under the mattress which hangs down to the floor and offers it a royal look. These upholstery can be quickly eliminated and cleaned.
Hypnotic Types Of Sheets
One of the crucial actions to ensure a joyous and comfortable sleep is normally to choose a great duvet. Nevertheless, for the wanted results, it's vital to pick an ideal duvet. While a brilliant duvet can assist you take pleasure in tranquil sleep, a bad one may make you uneasy and take your sleep away. Below is how you might make the very best selection of duvet.
In buy to stop the dirtiness within the quilts and pillows, it truly is higher to cover them while in the canvas sheets assortiment. If the down quilt or pillow is stained, people truly should deliver it to your dry cleansing shops, whilst other fiber cotton pillows and wholesale quilts might be straight cleaned within the cleaning device. And when it can be warm, people should certainly simply take all the bedding posts to indulge in the sunlight at the well-ventilated spot without any direct daylight. The suitable timing is from ten within the early morning to three while in the afternoon. In addition to that, when you desire to gather the bedding posts, it is better for you to keep them dry and identify them inside the well-ventilated location.
What You Can Learn From Experienced Decoraters About Canvas Sheets
For any bedroom to look sophisticated and sophisticated, you need to have elegant and elegant bedroom linens. These linens will not only provide a plush planning to your bedroom but likewise see to it that you have a terrific and enjoyable sleep. As well as it boosts the bedroom's aura of rest and leisure.
Have you ever gone on the search for the best queen duvet set. You have in your mind the concept of what you want you simply do not understand what it is or simply have actually not been able to find it yet. Then you get all delighted about the chance to redecorate your room. Due to the fact that let's face it if you alter your bedding than you will definitely have to alter the rest of your house as well. Which if you are someone who relishes in decorating every few weeks then you understand what I am talking about. This would be wonderful if for the fact that every time you go out to find that best bedding set you are simply disappointed.
For centuries on end, feathers were utilized to make fluffy comfy bedding, then new fabrics came around and down comfy headed out of design. Now they're back, not just since of they're comfy however also since you have options, for those who might have sensitivities or allergies, an alternative down comforter can provide you all benefits of down, without the hassle.
Go With Sheets To Design An Irresistable Bedroom
The initial and the majority of noticeable distinction is the measurement. All comforters are established to sit on prime from the bed, and cover only the highest with the mattress. That is why they might be called comforters, because they provide convenience and ease in the direction of the man or lady laying around the bed– just in the event the bed was not comfy sufficient on its own. Much more to the level, comforters are relatively more compact than bedspreads. In truth, these are rather varied within the method they appear, too. Guys and gal only get puzzled simply because they are brand-new for the matter of beds, and so they by no means genuinely got the possibility or the must uncover a slightly about it.
When you are making decisions about the sort of option down comforters that will finest fulfill your needs, talking to a person who is educated about the various fills readily available and which types of comforters will fit into your design finest. When you are picking the canvas sheets, it will be essential to read the labels thoroughly to see to it of the thread count, the feel of the stuffing, and the durability of the stuffing that is utilized in the comforter.
The Unseen Mystery Behind Sheets
Examples of those that are promoting particular ranges of canvas sheets sets and even pushing the 'own' designs are Katy Price aka Jordan, Twiggy, Beyonce and Kylie Minogue. Whilst they could proclaim the virtues of the bedding that they are promoting, the truth is that they probably do not use it themselves and are just stating exactly what they are thanks to the money that they are getting paid. As such their word doesnt lug any more value than that of the maker itself. Peer evaluations are probably more valuable to you then paying attention to these kinds of stars.
The opening night together as a wedded couple is one of the most memorable evenings, an occasion that alters everything. Among the numerous elements that marriage refurbishes, without giving much change duration, is the bedding made use of by the gladly married partners. It is for that reason vital to have their bedding choices right the very first time. Fortunately, decorative bed linens are readily available in a substantial option and the options many.
Choose excellent designs: Some people want to have the most vibrant and cosy space where they can snuggle or rest. You do not need to put too much decoration in your space or refurbish the entire place simply to make it look excellent. All you need to do is have fun with your bedding by getting those colors which are warm in the eyes and can definitely transform the look of the whole space.
Pick comforters with a high thread-count for an extra-soft feel. Color collaborating the comforters with the upholstered headboards would provide you a bedroom that is not only a treat for the eyes however is likewise produces a space that is balanced and shows comfort. Let your bedroom reflect your personality by developing the ideal mix of the right upholstered headboards and comforters.
Bed spreads with American Indian designs match any rustic decor and can be made use of in every bedroom with distinct colors and patterns to highlight the personality of each. If you are lucky adequate to have a cabin and even if you want to generate the popular lodge style to your spaces southwestern bedspreads will deliver that special sensation you desire.
Strategies For Locating Sheets For The Financially Challenged
Silk fabric has the capability to preserve the temperature level of the body over the night. It keeps one cool when the temperature level is warm outside and warm when the temperature level is cool outside. Keeping a more constant temperature level throughout the night avoids overheating and permits the body to have actually a more unwinded and sound sleep.
Understanding a down comforter can likewise assist somebody considering purchasing one to decide on just how much to spend and precisely what kind to choose. Comforters are available in many different sizes and cover materials, as well as costs. For example, an exceptionally high-quality variation fulled of the best sort of down can run over $1000, which isn't really inexpensive, to tell the truth.
How You Can Turn Your Canvas Sheets From Bad Into Awesome
Bedding sets are likewise good for embellishing kids room and for that reason you can purchase something just like decorate your kids room. You can watch out for some nice colors for your kids that can help them to feel better. If you are internet savvy you can always watch out for pink Mossy Oak canvas sheets that you can purchase for your kids bedroom project and improving overall decor.
The thread matter is another thing you'll wish to remember when you are picking a comforter, no matter which bedroom you plan on putting it in. The thread matter has a lot to do with how the comforter is going to feel, how long it lasts, and the cost. If you are choosing quality, usually you'll wish to try to find about 300-400 thread matter for the best outcomes, although you can get lower counts for less expensive prices.
Fall In Love With Sheets
Among the most vital factors to consider which you need to take in account is the size of the duvets. Your duvet should neither be too small to simply reach the corners of your bed, neither too huge to snuggle up the whole space. So, make certain that you examine the measurements well prior to you zero in on a duvet. Preferably, the size of a single duvet is 3 feet by 6 feet and the size of a double duvet is 4 feet 6 inches by 6 feet 3 inches.
Do you want to feel the very best comfort prior to you draw yourself to rest? Or you are wanting for something soft to touch for your body to feel really comforted after a long tiring day kind school or work? Aside from the bed mattress, you also need to offer yourself the right bed linens to help you rest much better. Comforters are substantially needed to any beds, they are not only to add comfort to your tired back when you set, however you can also use them as blankets throughout the coldest nights.
Discovering a pink toddler bedding set is not as difficult as finding one that is special or customizeded. If it is the latter, then it is a have to that you discover the right seller who can fulfill your demands. However the good news for you is that such pink toddler bedding sets are definitely simple to discover in an online or an offline store.
Why It's Difficult To Find Sheets That Definitely Look Great
But how can you pick the ideal duvet for you? Many property owner are not even knowledgeable about exactly what differentiates a top quality duvet from an ordinary one. Thankfully, so long as you inspect a few vital characteristics of the duvets that you consider, you should be able to locate canvas sheets for your room that is both appealing and useful.


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Celebrate the Chicago Bears stunning 1986 Super Bowl Championship with this high quality, wool-blend hanging wall banner. It features embroidered Super Bowl logo, "C" logo, and vertical "Bears" logo. The bottom also features embroidered text that reads: "January 26, 1986 Chicago Bears 46, New England Patriots 10". This orange and navy banner will look great in any Bears fan's den, office, garage, or game room.
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Only One Difference 2
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Date added: 2012-01-30
Description: Enjoy spot the difference game with unlimited levels. Each time find a new puzzle. You will get 3 minute for each game play to achieve maximum highscore.
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Robert L. "Robb" Riddle, CCIM | President and Founder
Robb Riddle has been practicing commercial and industrial real estate in Southeastern Virginia for over 30 years. Robb founded Riddle Associates, Inc. in 1988 after a successful introduction into the industry from his affiliation with a local real estate development and construction company.
Robb maintains the Certified Commercial Investment Member (CCIM) designation, the highest and most respected certification in the commercial real estate industry. A CCIM is highly skilled in all phases of commercial, industrial, retail and investment real estate matters.
Robb's prior professional experiences include working for a consulting engineering firm specializing in the concept, design and construction of a variety of industrial, manufacturing, office and retail facilities along the east coast.
Robb's associations past and present include: Board Member of the Chesapeake Economic Development Authority, The Old Point National Bank & Financial Corporation, and Virginia Air & Space Center; Current Member of the Chesapeake Rotary Club; and Past Board Member of the Chesapeake Care Free Clinic and Chesapeake North YMCA
If you know a person, company or organization that has a need to purchase, sell, or lease a commercial property, or perhaps would like to have their property professionally managed, we would love to talk to them. Please feel free to contact Robb directly and he will be happy to answer all of your questions.


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Hugh Evans
|Landscape by Hugh
acrylic 120x180cm
|Across the Range
acrylic 123x123cm
|Wayside Trails
acrylic 150x150cm
|Landscape in Blue & Red
acrylic 123x93cm
click on artwork to see a larger version
About Hugh Evans
Hugh's recent work clearly elalaborates on how he feels about the landscapes he visits and how the landscapes focus and stretch the imagination from the real to the etheral.
The distinctive graphic scribbled tree images, well known as Hugh's trademark distillate to a huminist quality as the clusters of trees often depict the vast and varied chapters of his life.
Having said that, Hugh requests that we do not become too analytical in our interaction but rather let each work 'flow over you taking from it what you may.Let each work grow on you.
See website for bibliography and CV.
For more on Hugh Evans see


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Gov't orders retraction of RFPs for Paria Fuel Trading Co.
Government has retracted all requests for proposals for the sale of the Paria Fuel Trading Company.
Minister of Energy and Energy Industries, Franklin Khan, said in a statement issued March 18, 2019, that an order was issued to retract any request for proposals for Paria Fuel Trading Company.
He said he has taken note of newspaper reports that "could give the impression that it is the intention of the Government to sell the Paria Fuel Trading Company Limited".
However, he said a mandate was never given for the divestment of Paria Fuel Trading Company.
"However, for the record, the Paria Fuel Trading Company Limited is a strategic state asset that plays a very important role in ensuring the security of supply of liquid petroleum fuels for the transportation sector of Trinidad and Tobago and for the general public."
"The Company is also invested with the ownership of strategic assets such (as) tank farms, port infrastructure and real estate which were previously owned by the predecessor company Petrotrin."
"As Minister of Energy and Energy Industries, I wish to make it clear that the divestment of Paria Fuel Trading Company is not within the current mandate given by the Government to Trinidad Petroleum Holdings Limited," he said.
Accordingly, Trinidad Petroleum Holdings Limited has been directed to withdraw and retract any advertisement or Request for Proposals that may have been inadvertently issued for the sale of the Paria Fuel Trading Company Limited.
"The public is assured that the Government and the Ministry of Energy and Energy Industries will continue to maintain oversight of the restructuring of Petrotrin and its transformation into viable, efficient and profitable companies, in order to ensure that all decisions taken in the energy sector and all associated subsectors are in the best interest of the citizens of Trinidad and Tobago," Khan said.
On March 16, 2019 the Trinidad Express reported that the Paria Fuel Company had been put on the market for sale.
Trinidad Petroleum Holdings Ltd chairman Wilfred Espinet had indicated that requests for proposals had been submitted both for the refinery and for the Paria Fuel Trading Company.
Opposition MP David Lee warned that this could result in a removal of subsidies and an increase in fuel prices.
The company forms one of four subsidiaries of TPH and oversees terminalling, fuel trading, product supply and logistics.


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Have you ever had one of those days where no one seems to understand a thing you are saying? Do you find yourself wondering, "What's wrong with everyone today?" If so, that might be the wrong question. Instead of wondering what has others off track, do a basic communication self-check and see if you've let your messages get cluttered with poor communication habits. It's easy to do, and we're all guilty of it from time to time. In fact, cluttered communication is a genuine problem with a serious impact. In this three-part series we will take a look at a few common "communication clutter bugs" and talk about how to spring clean for fresh and effective results.
Rambling. This is a particularly pesky communication habit because it is both unproductive and highly irritating to others. Rambling generally occurs for one of three reasons:
- We forgot where we were going with the conversation, so we just talk … aimlessly.
- We have a head full of minute detail about a topic that is fascinating to us, so we feel it must be fascinating to others as well.
- We are exhausted.
What's hidden from us as we are rambling on and on—yet strikingly clear to our audience—is that we have lost self-awareness (or we are rude, so let's hope for the first).
There are two simple steps to stop rambling in its tracks: First, don't get lost in your own head. Remaining engaged in the dialogue requires paying attention to your audience and noticing if they glaze over, yawn, or nod off. Second, learn to interrupt yourself. "Excuse me, I realize I am rambling," works fine. So does, "I am spending too much time here; let's talk about …". Or even, "We have gotten off track; let's refocus." Those words will delight your struggling listener who will immediately and happily re-engage with you on the matter at hand. If you find yourself rambling often, you may have an informing language style, and gaining some insight and clarity about directing and informing language patterns could be very helpful for you.
Clarity. Life has sped up (or so it seems), and the speed of our thoughts has moved right along with it. Recently I was observing my three-year-old's evolving language skills, and it seemed that he had started stuttering. He was an early talker and has a great vocabulary for his age, so I was a little alarmed at first. Then I realized what was happening: His brain was moving faster than his mouth. He had all of these thoughts that he couldn't quite get out so he would sputter, skip some others, and repeat himself until—in his mind—he had said all he needed to say.
I have to laugh as I see this happen all day long at work—only it isn't so cute in this context. In the rush of trying to get it all done, too many of us don't think through our messages. We just blurt it all out and sometimes it sounds like my three-year-old—or worse, my bossy four-year-old. When we take a few extra seconds to think about what we want to say, then we compose and execute more succinct, thoughtful, and actionable messages. These extra seconds not only eliminate confusion, but they have the added bonus of ensuring we don't interrupt others and create a poor impression.
In next week's post, learn the power of "no" when I share some tips for de-cluttering your to-do list with powerful and positive declines.


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Low-Volatility Stocks Are Winning as the Market Swings. Thank Falling Interest Rates.
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As U.S. stocks have swung in recent days, one group of stocks that offers relative stability has outperformed.
Invesco S&P 500 Low Volatility ETF
(ticker: SPLV)—holding 100 stocks in the S&P 500 that have shown the least price volatility over the past 12 months—beat the broader market by 2 percentage points on Monday. The S&P 500 fell nearly 8% to start the week, posting its worst one-day percentage drop since the 2008 financial crisis.
The outperformance of low-volatility stocks goes further back as well. The group has been holding up relatively well since the stock market stumbled into its current highly volatile phase two weeks ago. As of Tuesday, the S&P 500 had gained or lost at least 3% over nine of the past 12 trading days and declined 13.6% through the entire period. During the same period, the Invesco Low Volatility ETF has lost only 10.7%.
That's not surprising. Low-volatility is historically a risk-off strategy, with large exposure to defensive sectors such as utilities and real estate. Nine out of the top 10 holdings in the Invesco fund are utility stocks, including Eversource Energy (ES), Duke Energy Corp. (DUK), and Consolidated Edison (ED). The group is therefore less affected by the ups and downs of the business cycle, and tends to beat the market during downturns, while underperforming during rallies.
A sharp decline in interest rates has boosted the low-volatility group even further, noted Nomura Instinet strategist Joseph Mezrich.
Historically, low-volatility stocks have tended to offer higher dividend yields than the broader market, but lower than the 10-year Treasury yield, wrote Mezrich in a Tuesday note. Since 2010, however, as Treasury yields keep sliding, low-volatility stocks have often generated dividend yields higher than the 10-year Treasury. Income-seeking investors see them as an alternative to bonds, especially as bond yields keep falling.
That means the group tends to benefit more than the broader market when rates fall, while it suffers when rates rise. According to Mezrich, since 2010, during the months when 10-year Treasury yields fell by more than eight basis points (hundredths of a percentage point), the MSCI USA Minimum Volatility index outperformed the MSCI USA index by an annualized rate of 18.2 percentage points. During months when yields rose by that much, the MSCI USA Minimum Volatility index underperformed by 13.4 percentage points.
Right now, yields are near record lows as investors continue to buy Treasury debt, pushing up prices of the securities. "The low-volatility success continues to be driven by the collapse in rates and its long-existing connection to bond yields," wrote Mezrich.
Since Feb. 24, the 10-year Treasury yield has slid by more than 0.8 percentage point from 1.374% to a record-low closing level of 0.569% on Monday. The Invesco Low Volatility ETF, at the same time, still offers a 12-month distribution rate of 2.36%
That makes it a potentially appealing choice for income-seeking investors who can weather some price gyrations in the market.
Write to Evie Liu at firstname.lastname@example.com


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Prior to joining the firm, Steve also handled depositions, in-court motions, and written briefs and memos. With over a decade of success, he was entrusted with court ordered mediations, handled tense negotiations and crafted settlement of contentious legal matters.
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Subpoenas issued to Trump Organization in emoluments lawsuit
WASHINGTON - The attοrneys general of Maryland and the District of Columbia οn Tuesday fοrmally demanded financial recοrds frοm U.S. President Dοnald Trump's businesses as part of their lawsuit alleging his dealings with fοreign gοvernments violate anti-cοrruptiοn clauses of the U.S. Cοnstitutiοn.
The attοrneys general issued subpοenas to the Trump Organizatiοn Inc, the president's privately owned real estate cοmpany, and related cοrpοrate entities.
The flurry of subpοenas came οne day after U.S. District Judge Peter Messitte in Greenbelt, Maryland, began the case's discοvery phase, which allows litigants to demand answers to specific questiοns and prοductiοn of sensitive documents.
The U.S. Department of Justice, which is defending the president in the litigatiοn, did nοt immediately respοnd to a request fοr cοmment.
Amοng other documents, the attοrneys general are seeking revenue statements and tax returns frοm the Trump Organizatiοn entities.
Ignοring the subpοenas would result in a finding of cοntempt of cοurt, said Geοrge Brοwn, a prοfessοr at Bostοn College Law School.
The development "brings us closer to judicially enfοrced discοvery abοut the Trump empire," said Brοwn. "It will prοbably tell us a lot we dοn't knοw because nοbοdy is gοing to hide that stuff in the face of a subpοena."
U.S. gοvernment lawyers said οn Friday in a cοurt filing that they plan to ask an appeals cοurt to halt discοvery and review earlier rulings by Messitte that allowed the case to prοceed.
Such requests fοr an expedited appeal rarely succeed, Brοwn said, but in this case the odds are higher because the case raises nοvel legal questiοns that the appeals cοurt may want to address quickly.
The lawsuit, filed in June 2017, alleged the Republican president failed to disentangle himself frοm his hotels and other businesses, making him vulnerable to inducements by officials seeking to curry favοr.
The lawsuit accused Trump of violating the Cοnstitutiοn's "emοluments" prοvisiοns designed to prevent cοrruptiοn and fοreign influence. One bars U.S. officials frοm accepting gifts οr other emοluments frοm fοreign gοvernments without cοngressiοnal apprοval. The other fοrbids the president frοm receiving emοluments frοm individual states.
Messitte later narrοwed the case to claims involving the Trump Internatiοnal Hotel in Washingtοn and nοt Trump's businesses outside of the U.S. capital.


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Consumer News & Views
In this Issue…
Consumer Confidence Improves in May. Consumer Confidence, which suffered a mild setback in April, experienced its most dramatic jump for the year. According to a Thomson Reuters consensus estimate, consumers were feeling a bit more optimistic in May.
The University of Michigan reported their index of consumer sentiment hit 94.7 in May, up 5.7 points from April's reading of 89. That marked the biggest jump in a single month since 2013 and the highest the index has been since last June's 96.1 reading. Despite the jump, economists surveyed by The Wall Street Journal were somewhat disappointed because they expected sentiment to hit 95 in May.
Thomas Hinton, president of the American Consumer Council, a non-profit consumer education organization, stated, "Consumers remain confident, but cautiously optimistic. We don't expect any significant change in 2016, but as the American economy improves and the job market expands, consumers will continue to spend. We remain comfortable with our annual consumer spending forecast increase of 2.6% for 2016 over last year."
Americans are more confident than at any time in almost a year, as cheap gasoline, low interest rates and a rebound in stocks boost the economy's prospects.
Consumer spending reflects more than two-thirds of economic demand in the U.S. Economists believe when consumers are feeling confident, they are more likely to spend on everything from cars to restaurant meals, helping businesses, and the economy, grow.
How Thieves Steal Your Credit Card… and You Never Know It!
Here's an excellent article from Bankrate on how thieves steal your credit card when you least expect it. The American Consumer Council encourages you to check your credit card statement online at least weekly to make sure you haven't been ripped off.
With little brute and more skill, thieves only need a minute, sometimes a second, to pilfer your credit card data.
"Back in the beginning, they got the imprint of credit cards from the carbon copies they dug out of the trash," says William Noonan, deputy special agent in charge of the Secret Service's cyber operations branch of the criminal investigative division. "Technology has changed things."
The good news, if there is any: While the number of data breaches involving credit and debit card numbers grew in 2015 to 160 from 138 the year prior, the total number of records exposed fell dramatically to 800,000 from 64.4 million, according to The Identity Theft Resource Center, a San Diego-based nonprofit organization.
In 2015, criminals hacked, phished or skimmed their way into the systems of Ashley Madison, the CVS Photo website, Hilton Worldwide, Hyatt Hotels, Landry's restaurants and Trump Hotel Properties, among others. In some cases, they only obtained names and emails. In the worst cases, they got credit card numbers.
The schemes are simpler than you think. Bankrate presents the most common ways thieves pilfer your credit card information.
Modus operandi: The waitress whisks away your credit card and swipes it through the restaurant's register. Then, she pulls out a small device, about the size of an ice cube, and swipes the card through that, says Lt. David Schultz of the Fort Bend County Sheriff's Office in Texas. While you're scraping the last of the chocolate frosting from your plate, your credit card information has been stored in the device, known as a skimmer. The waitress returns your card and performs the same magic trick on dozens of credit cards in a week.
Known whereabouts: The data-stealing waitress has been known to moonlight as a bartender, sales clerk or at any place where she can take your credit card out of sight.
Modus operandi: Sally, Simon and Bud walk into a toy store. Sally and Simon roam the aisles, while Bud waits in line to check out. When Bud is at the register, Simon comes running up to the clerk, screaming that his wife has fainted. As Sally and Simon distract the sales clerk, Bud switches the credit card reader at the register with a modified one of his own, says Mike Urban, FICO's former senior director of fraud product management. For the next week, the sales clerk unwittingly collects credit card data on the modified reader until the trio returns, takes back the modified reader and restores the original terminal.
Known whereabouts: The trio will hit other retailers and restaurants, but sometimes the threesome will instead be a duo or a solo criminal.
Modus operandi: The Gas Lass parks her car in front of a gasoline station off the turnpike. It's late. There's no one around except a sleepy attendant at the register inside. The Gas Lass attaches a skimmer over the credit card reader at the pump. It's a special skimmer: It emits a Bluetooth signal to a laptop close by, says Noonan. The Gas Lass pays, heads off to the motel next door and sets up her laptop to receive the data from the compromised pump over the next several days.
Known whereabouts: The Gas Lass installs skimmers over ATMs, parking meters, vending machines and any other places with unmanned credit card readers.
Modus operandi: Harry the Hacker installs malware -- a type of software that damages or infiltrates a computer or network -- on to a legitimate website with low security. The malware instantly downloads on to your computer when you visit the site and allows Harry to access your information. In another scenario, Harry puts malware on public computers and gathers the information you share with that computer, says Urban. Harry also infiltrates the computer system of banks, retailers and other businesses, and extracts personal account information, Noonan says.
Phishing Phil uses malware to go after your laptop or tablet. He sends emails with attachments that promise dancing kittens or some other bait. When the user opens the attachment, malware instantly downloads on to the computer and leaves confidential information vulnerable. Phil also sends emails from a familiar sender with a link to a contaminated website that installs malware on to your computer. Some malware, called spyware, allows Phil to capture every keystroke -- including passwords to your financial accounts.
Modus operandi: So what happens to these pieces of data when they're in no-good hands? They get sold.
The waitress, trio or Gas Lass sells each swipe for about $12, according to Dell SecureWorks. Harry the Hacker and Phishing Phil will get $4 to $8 a card on the black market. The person who buys the information verifies it and then sells it to a person who creates fraudulent credit cards with your account information attached to it. The card maker then sells it to other criminals who buy goods such as stereos or baby formula and sells them to regular consumers.
How You Can Prevent Credit Card Theft or Minimize the Damage to Your Credit:
What to Do if Your Credit Card is Stolen?
What is credit card fraud—and how do you keep it from happening to you?
Credit card fraud is when someone uses one or more of your cards without your permission. The thief may use your card to buy things or to take money out of an account. Fortunately, the law limits your financial liability in cases of credit card fraud. Still, it's important to act quickly if you're a victim of credit card fraud.
If you suspect credit card fraud, contact your credit card company immediately. They can:
What to do if your identity is stolen.
Identity fraud is a type of fraud in which a thief uses your personal information to set up new accounts or get other benefits in your name. If you ever suspect that you're a victim of identity theft:
Arm yourself with additional knowledge:
Bank of America has assembled a variety of privacy and security resources that
can help you learn more about how help to protect yourself against credit card
fraud and identity fraud.
7 Signs You Can't Afford to Buy a Home.
1. You have a low credit score.
"The higher your score, the better the interest rate on your mortgage will be," writes personal finance expert Ramit Sethi in "I Will Teach You to Be Rich." Good credit can mean significantly lower monthly payments, so if your score is not great, consider delaying this big purchase until you've built up your credit.
2. You have to direct more than 30% of your
income towards monthly payments.
"Any more than that, and your finances are going to be tight, leaving you financially vulnerable when something inevitably goes wrong," write Harold Pollack and Helaine Olen in their book, "The Index Card." "To be fair, this isn't always possible. In some places such as New York and San Francisco, it can be all but impossible."
While there are a few exceptions, aim to spend no more than one-third of your take-home pay on housing.
3. You don't have a fully funded emergency
savings account.
As Pollack and Olen write, "We all receive unexpected financial setbacks. Someone gets sick. The insurance company denies a medical claim. A job is suddenly lost. However life intrudes, the bank still expects to receive our monthly mortgage payments ... Finance your emergency fund. Then think about purchasing a home. If you don't have an emergency fund and do own a house, chances are good you will someday find yourself in financial turmoil."
Certified financial planner Jonathan Meaney recommends having the equivalent of a few years' worth of living expenses set aside in case there is a job loss or other surprise. "Unlike a rental arrangement with a one or two year contract and known termination clauses, defaulting on a mortgage can do major damage to your credit report," he tells Business Insider. "In addition, a quick sale is not always possible or equitable for a seller."
4. You can't afford a 10% down payment.
Ideally, you'll be able to put 20% down — anything lower and you will have to pay for private mortgage insurance (PMI), which is a safety net for the bank in case you fail to make your payments. PMI can cost between 0.5% and 1.50% of mortgage, depending on the size of your down payment and your credit score — that's an additional $1,000 a year on a $200,000 home.
"The more money you can put down toward the initial purchase of a home, the lower your monthly mortgage payment," Pollack and Olen explain. "That's because you will need to borrow less money to finance the home. This can save you tens of thousands of dollars over the life of the loan."
To get an idea of the savings you'll have to put away, check out how much you need to save each day to put a down payment on a house in major US cities.
5. You plan on moving within the next five
Sethi recommends staying put for at least 10 years. "The longer you stay in your house, the more you save," he writes. "If you sell through a traditional realtor, you pay that person a huge fee — usually 6% of the selling price. Divide that by just a few years, and it hits you a lot harder than if you had held the house for ten or twenty years."
Not to mention, moving costs can be insanely high.
6. You're deep in debt.
When you apply for a mortgage, you'll be asked about everything you owe — from car and student loans to credit card debt. "If the combination of that debt with the amount you want to borrow exceeds 43% of your income, you will have a hard time getting a mortgage," they explain. "Your 'debt-to-income ratio' will be deemed too high, and mortgage issuers will consider you at high risk for a future default."
7. You've only considered the sticker price.
You'll have to consider things such as property tax, insurance, utilities, moving costs, renovations, and perhaps the most overlooked expense: maintenance.
"The actual purchase price is not the most important cost," says Alison Bernstein, founder and president of Suburban Jungle Realty Group, an agency that assists suburb-bound movers. "What's important is how much it's going to cost to maintain that house," she tells Business Insider.
Read up on all of the hidden costs that come with buying a home before making the leap.
Kathleen Elkins covers personal finance for Business Insider, which she joined in February 2015. She initially wrote for the strategy and careers verticals. She graduated from Williams College in 2014. Follow her on Twitter at @kathleen_elk.
ACC Annual Meeting Scheduled for June 10, 2016. The American Consumer Council will hold its annual membership and business meeting on Friday, June 10, 2016 at 10:00 am at The Lodge at Torrey Pines located in La Jolla, CA. The meeting is open to all members of ACC. For more information, please contact ACC's meeting department at 1-800-544-0414.
ACC's Friend of the Consumer Award Recognizes Outstanding Businesses in 2015-2016.
Is your business consumer-friendly? Does your business deserve greater recognition for its service to consumers? If so, you should apply for the American Consumer Council's Friend of the Consumer Award. Now is the time to apply!
Throughout the year, ACC presents its "Friend of the Consumer" Awards. This prestigious award recognizes manufacturers, retailers, and other businesses that produce or sell products in the United States that meet or exceed federally-mandated standards and are touted by consumers as "consumer friendly."
Each year, ACC awards numerous "Friend of the Consumer" Awards to deserving companies and organizations because they have "demonstrated a commitment to American consumers by providing a specific product or service that fosters consumer confidence and market acceptance."
To apply for the "Friend of the Consumer" Award, complete the online application and return it to ACC with the application fee. Applicants will be notified within 5 days of receipt of their application. Thereafter, a panel of independent judges will review your application and make a formal recommendation within 20 days of receipt of your award application.
For more information, visit: http://www.americanconsumercouncil.org/awards.asp
Green CSM Certification Accepting Applications for 2016 Summer Cycle:
If your company or organization would like to increase its credibility with consumers, you should consider applying for the Green CSM Certification. Applications for the 2016 Summer cycle are now being accepted through September 30, 2016.
It's a proven fact that consumers want to do business with companies that are eco-friendly and practice Corporate Social Responsibility (CSR). The process is straight-forward and all applicants are recognized by ACC and the Green USA Institute.
All applicants complete the criteria and submit their responses to ACC's Green Consumer Council for review, assessment and feedback. Program details and the Green CSM Certification criteria can be viewed at ACC's website located at: http://americanconsumercouncil.org/greenc.asp


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These days it seems like everything costs money, and our cash disappears so fast. And that's why it's often a good idea to come up with areas of your life where you can make savings. The good news is that you can do this quite a bit as long as you know where to look. Assess where you are spending a lot of your money, and think about where you might spend a bit less.
It seems as though the cost of living is always on the rise so anywhere you can save is beneficial. Have a look at what you can do to make savings in your own life on a daily, weekly and monthly basis. To get you off on the right foot here are some of the areas of your life where you can save money.
Believe it or not, you can save money on your tax, and the way to do this is to hire an accountant. If you get one who is good enough, they can tell you great ways to avoid tax and save yourself money. Remember, it's perfectly legal to avoid tax as long as you're not evading tax! Speak to your accountant about how you can save money on tax. You also need to remember that you can submit things that are tax deductible. These can help you to save money on your taxes, so you need to make sure you figure out what these things are.
There are many different types of insurance you can get in your life. There's health insurance, business insurance, life insurance, home insurance, car insurance, travel insurance, etc. So, because there are so many different types it also means there's more competition between providers. So it is certainly possible to save money on your business insurance as long as you hunt around. It just depends on the type of insurance you want to go for, and how much research you do. You need to get online and find price comparison websites to get the best deals.
Shopping still plays an enormous role in all of our lives. In fact, if we want anything these days we will have to buy it. Shopping can become an expensive habit, but there are also plenty of ways to save money as well. Online shopping is the latest craze and looks set to usurp high street shopping. The benefit of online shopping is the range you get, and, more importantly, the savings you make. You should also try to make use of vouchers and coupons that will save you money as well.
Energy Bills
Another area where it's important to save money is with your energy bills. These can be so expensive nowadays that you should look for ways to make savings. You might think about going green, so you become a bit more eco-friendly and save money that way. A minimalist lifestyle is one of the best ways to save money, and you can use this to good advantage.
You should always be looking for areas of your life where you can save money. There is so much you need to pay for these days that any savings you can make are going to help a lot. Have a look at the suggestions on this post, and try to use them to help you save money. With just a bit of effort and research, you can save yourself a lot of money.


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Painting apron for children, rot
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Health Food
Optimize Your Eye Health With These Nutrients
Eyes are one of the most important organs we have. We all want to prevent eye diseases and protect vision health, but there are steps that should be taken to achieve that. Apart from eating a healthy diet, there are a few nutrients that are especially important for the eyes. These nutrients help maintain eye function, protect the eyes against harmful light and reduce the development of age-related degenerative diseases. Here are some of the main nutrients that are essential for optimum vision and eye health.
1. Vitamin A: Vitamin A is essential to your eye health and vision. Our retinas need vitamin A to properly function and to produce the pigment rhodopsin. Vitamin A also helps prevent blindness caused by macular degeneration. If you don't consume enough vitamin A, you may experience night blindness, dry eyes or more serious eye diseases, depending on how severe your deficiency is. Foods rich in vitamin A include spinach, cantaloupes, and sweet potatoes.
2. Lutein and Zeaxanthin: Lutein and zeaxanthin are yellow carotenoid antioxidants known as macular pigments. Lutein and zeaxanthin act as natural sunglasses. They play a central role in protecting the eyes against the harmful blue light. Lutein and zeaxanthin have been shown to lower your risk of cataracts and macular degeneration. The researchers discovered that those with the highest intake of lutein and zeaxanthin had a 43% lower risk of macular degeneration, compared to those with the lowest intake. Eating yellow, orange, and red fruits and vegetables is a good way to get more of these nutrients.
3. Vitamin E: Vitamin E helps you to lower risk of macular degeneration and cataracts. Vitamin E is a group of fat-soluble antioxidants that protect fatty acids from harmful oxidation. Due to the high concentration of the retina in fatty acidy, sufficient vitamin E intake is important for optimal eye health. Vitamin E has also been shown to protect against the damage from free radicals. Impaired vision is one of the symptoms of a vitamin E deficiency.
4. Gamma-Linolenic Acid: Gamma-linolenic acid is an omega-6 fatty acid found in small amounts in the diet. Unlike many other omega-6 fatty acids, gamma-linolenic acid appears to have anti-inflammatory properties. Some evidence suggests that taking evening primrose oil may reduce the symptoms of dry eye disease. One randomized controlled study gave women with dry eyes a daily dose of evening primrose oil that provided 300 mg of gamma-linolenic acid. The study found that their symptoms improved over a six-month period.


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ICARO BALL Modoluce
Modern Lamp ICARO BALL designed by italian premium lighting brand Modoluce – Suspension in painted transparent, white or black matt steel wire. Light bulb at sight or protected/ covered by a stripe in removable material Explore, customize and shop your favorite lighting online at FMDESIGN ELEMENTS
Italian designer lighting brand Modoluce explores the world of materials, processes and forms, with creative freedom and rigour of method. This search path in contemporary time focuses on functionality and lets arise emotions, whilst always creating different and special lighting solutions: at home, at work and in contract spaces, with an exclusively Italian quality.


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M1 closed after accident
PUBLISHED: 15:04 22 June 2018 | UPDATED: 15:30 22 June 2018
The M1 is currently closed after a serious collision on the carriageway.
All lanes are shut northbound between junction 9 for Redbourn and junction 10 for Luton while emergency services deal with the incident.
At about 2pm today two motor vehicles collided on the fourth lane.
Firefighters helped to extract two men in their 80s who were trapped by their injuries.
They were treated by two ambulance crews and an ambulance officer, before being transferred to Luton and Dunstable Hospital for further care.
Long delays are building behind the accident and Herts police have advised motorists to take alternative routes.
The diversion is via the A5, past Markyate, Kensworth and Church End, to the A505/A5/B489 crossroads and onto the A505, re-joining the M1 at junction 11.
The road is not expected to fully reopen until 7pm at the latest.
If you value what this story gives you, please consider supporting the Herts Advertiser. Click the link in the orange box above for details.


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10 Pack Unisex Reusable Face Mask Mouth Cover with Logo
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The former partners in Slovakia's ruling coalition, the Slovak Democratic and Christian Union (SDKÚ), Freedom and Solidarity (SaS), the Christian Democratic Movement (KDH) and Most-Híd, are meeting on Wednesday, November 16, to seek agreement on the draft 2012 state budget.
SaS announced on Tuesday, as quoted by the SITA newswire, that it was prepared to support proposals which would lead to the achievement of the originally planned general government budget deficit of 3.8 percent of GDP in 2012. In order to achieve better financial results for the government, SaS said it would give up cancellation of voluntarily unemployed people's duty to pay health-insurance contributions, which the party had demanded after the collapse of Iveta Radičová's cabinet in exchange for its support of the draft budget. The cancellation of the payment would mean that the forecast budget gap would be reduced by €70 million. According to SaS leader Richard Sulík, the party is willing to support the draft to reduce or cancel the state bonus provided on construction saving contracts, for which it could guarantee eighteen votes in the parliament. Finance Minister and SDKÚ caucus leader Ivan Mikloš welcomed the SaS position, which he said was a change of heart.
Opposition Smer party leader Robert Fico on Tuesday, November 15, called on the government of Iveta Radičová to start negotiations with his party over the 2012 state budget. "In its current submitted form, the motion is unacceptable," Fico said, as reported by the TASR newswire, adding that the budget needs to be redrafted. He added that potential support from Smer would not come for free, with the coalition having to pay a political price. "The political price is that they would have to incorporate our views on the income side of the budget during the consolidation of the public finances," Fico said. He added that Smer had already offered a number of alternatives for raising more money.
Sources: SITA, TASR
Compiled by Zuzana Vilikovská from press reports
The Slovak Spectator cannot vouch for the accuracy of the information presented in its Flash News postings.
16. Nov 2011 at 14:00


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Yeah, you read right. Sony is working on the PSP edition of Folklore, Sony confirmed to Kiziko that it is already in the making in Japan.
"Yes he is," Sony's Bill Ritch told Kikizo at an event in London on Monday. "We've got a PSP version [of Folklore] and Kouji Okada is working on that."Kouji Okada is know for his work on the Shin Megami Tensai series. This game is sure to be good.
[Via Kiziko]


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-------------------------------------------------------------- Permission granted by author for anyone to distribute this writing free of charge (including translation into any language)...under condition that no profit is made therefrom, and that it remain intact and complete, including title and credit to the original author. Ezekiel J. Krahlin http://surf.to/gaybible -------------------------------------------------------------- NEW DECLARATION OF INDEPENDENCE © 1997 by Ezekiel J. Krahlin (Jehovah's Queer Witness)June 1997 I hereby declare war against the United States Government, and to all its people who support the federal sanction against same-sex marriage... which may be a majority. The moment government permits any state to officially and intentionally deny a gay citizen's right to the pursuit of happiness--as indeed marriage is a blissful goal--the door is open to establishing all homophile women and men as second class citizens in perpetuity. I perceive this unconstitutional, ungodly sanction as the first step towards eradicating all known homosexuals in our sorry nation. The bombing of the Lesbian lounge in Atlanta is just the beginning...unless the federal government and mainstream Christian churches--including African-American congregations--immediately step in and aggressively fight back against the jihad these homophobes have declared. (I'm not holding my breath.) Their continued silence and foot-dragging on the noble issue of same-sex-lover rights, puts blood on their hands as surely as if they were right-wing fanatics themselves! I urge all lesbians, gays, bisexuals, gender changers, their supporters, and other so-called queer types to bear arms and take to the streets...and push back the beast of homophobia that now rears its ugly head in the eyes of the majority, who prowl this gutted country like ghouls from The Night Of The Living Dead. For all intents and purposes, President Clinton has nodded his head in approval of a nationwide witch hunt to kill us anywhere and everywhere we are seen or known to abide...or at best to deny us jobs, shelter, friendship, and equal treatment. Our President's wavering on the "gays in the military" issue, along with the signing of DOMA...places him in direct responsibility for exacerbating the hostility against a basically harmless, and decent, group of citizens: gay women and men. Likewise for our so-called "liberal" straight friends...who are too cowardly to display a pink triangle on their own clothing, or a T-shirt or bumper sticker proclaiming: "Another Hetero for Lesbian & Gay Rights". Yet they proudly wear slogans and icons promoting the rights of African-Americans, women, children, trees, animals, and so on. The Danes in World War II sported stars of David to conceal Jewish folk from Nazis...but I hear of none who displayed the pink triangle. If you are heterosexual, and perceive yourself as a true "progressive", then you would have no qualms in taking up this noble banner of Homophile Liberation in the ways I have suggested...else you, too, have blood on your hands. But if heteros at large still refuse to see this as their fight, too...we homosexuals can flood the straight bars, clubs, and other hetero hangouts. Our presence, with pink triangles emblazoned on our shirts and jackets, will turn these straight clubs into targets of the Army of God and their ilk. Then, of course, we'll have a lot more allies in the resistance--albeit unwilling. Be it known that I am proudly homosexual, that I am a Christian who respects all other beliefs as equal, that I presently go by the name Ezekiel Krahlin (formerly Gene Catalano). Be it also known that I propose the new label "Thracian" over "gay male," to symbolize the new-found empowerment of the homophile community in this century's closing decade. The word "gay" perpetuates a stereotype of ourselves as flighty, emotional, and frivolous...not to be taken seriously, as a citizen, as a human being, or as anything else! (Surely, women have a similar complaint against male chauvanists.)
"Lesbian" is a beautiful term for the homosexual female; as its name comes from a Greek Island with a rich, classical history. The region of Thrace also has a great history, and likewise plays an honored role in Hellenic culture...hence I coin the term "Thracian" for those who are commonly thought of as "gay male". Ancient Greeks first called their northern neighbors "Thracians," and later, "Macedonians"...the people from whom arose Alexander The Great. "Hellenic" can be the general term for both homophile women and men, who are sick of the belittling and ineffectual descriptor, "gay". This caps a nice balance on the other two Greek words, to form an elegant triad: Hellenic, Lesbian, Thracian. It also does away with the chauvanistic stance of using "Gay" to represent both male and female members, as well as males only. (Credit for the idea of "Hellenic" to replace "Gay" goes to Fireweaver, an Internet friend.) Heterosexism, chauvinism, misogyny, mysandry, homophobia, pedophilia, racism, and bestiality are all blasphemies in God's eyes, and in mine, and in the eyes of all good people. Under this inspiration, I declare Northern California a safe haven, and demand protection by the United Nations Global Peacekeepers. I also call for the secession of this region, and its establishment as a government solely for and by Hellenes...where all beliefs are to be equally respected. Let this new nation be named "Athenia," to honor woman's suffrage as well as symbolize wisdom and valor. As a body politik, we are as the victorious David against Goliath: the giant of homophobia shall be toppled and slain in our time. Let it also be known that not every gay person is a friend. Like any group of human beings, they have their ranks of evil forces. True hearts are few and far between...love and be constant to such friends--if indeed you have even one--for you are well blessed. For wherever there are two kindred hearts, there Your Angel will be also, in spirit. Do not judge any person by any category (such as gay or hetero, Jew or Christian, ugly or handsome, poor or rich, white or black, etc.) But do judge her by what comes from the heart, as expressed in words and deeds. Civilization (for what it's worth) is about to go berserk; the capitalist world as we know it is doomed. I trust that those whom I can reach through this letter, already are taking action. If you are wicked (homophobic), it is not yet too late to change. I stand by you in prayer, and hope you will join the valorous. For until the last enemy is fallen, it is my duty to fight for every lost soul until the final moment. Yes, I pray most ardently for the lost, not for the risen. In closing, I humbly attempt to give solace to my Hellenic sisters and brothers, with this quote from Psalm 35 (1-8): Plead my cause, O Lord, with those who strive with me; Fight against those who fight against me. Take hold of shield and buckler, And stand up for my help. Also draw out the spear, And stop those who pursue me. Say to my soul, "I am your salvation." Let those be put to shame and brought to dishonor Who seek after my life; Let those be turned back and brought to confusion Who plot my hurt. Let them be like chaff before the wind, And let the angel of the Lord pursue them. For without cause they have hidden their net for me in a pit, Which they have dug without cause for my life. Let destruction come upon him unexpectedly, And let his net that he has hidden catch himself; Into that very destruction let him fall. ---finis


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ProClean Pressure Washing of St. Petersburg
111 2nd Ave NE Suite 360
St Petersburg, FL 33701
(727) 914-2527
Mon – Sat: 9 am to 6 pm
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Brioche bun, 100% Angus double beef patties, choice of cheese, caramelized red onions, truck made pickles, spinach, and garlic aioli.
Add Bacon...2 Add Egg... 1 Add Chili...2
Brioche bun, Veggie Burger (Carrots, onions, string beans, zucchini, oat bran, peas, broccoli and spinach) on top of Fresh Guacamole, caramelized red onions, truck made pickles, spinach, and garlic aioli.
Rotating 4 oz 100% Angus beef patty with unique toppings. Follow us on Instagram and FaceBook for this week's special.
Brioche bun, 8 oz - 100% "Grass Fed" beef patty with unique weekly toppings. Follow us on Instagram and Facebook for this week's "Red Barn" special. @RedBarnFarmMeats.
Add Bacon...2 Add Egg... 1 Add Chili...2
Generous portion of fries seasoned with Burgers STL "Famous Happy Ending" Seasoning.
Momma Foley's family Recipe Chili. Not to HOT although has a little kick. Topped with cheese and onion.
Sour Cream... $1
Large portion of fries loaded with Momma Foley's family Recipe Chili topped with shredded cheese and sour cream. Mike's HOT Honey added upon request. This is a meal in and of itself.
Coke, Coke Zero, Diet Coke, Sprite
Nestle Pure Life Bottle Water
Order at your Own Risk
WHEN AVAILABLE: "Original" Cheeseburger with 7 patties and 7 choices of cheese, Chili, Egg, and Bacon. 1 pound of Fries. This is a "Challenge" so no SHARING. 30 minute time limit. If you finish it is free and the burger is named after you, until someone raises the bar and wins the Challenge with an additional patty. You puke - You Clean!!!
"Original" Cheeseburger, choice of cheese, layered with a sliced Beer Brat, caramelized red onions, truck made pickles, Guinness Sauerkraut, and Thousand Island dressing. NO TOMATOES. Served with seasoned fries.
"Original" Cheeseburger with a breaded chicken breast between patties with your choice of cheese. Then we add bacon, fried egg, ranch dressing, and drizzled with Frank's Hot Sauce. Served with seasoned fries.
FREE FOR A FIRST RESPONDER (EMS, Police, Fire) with ID.
Pick your Patty (2 Beef or Veggie), choice of cheese, caramelized red onions, truck made pickles, spinach, Blue Cheese Crumble aioli. Served with seasoned fries.
Menu subject to change based on ingredient availability
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