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Creme Restaurant and Lounge
Online Reservations
The food was worth the wait--and it was a LONG wait for the food! The waiter was very sweet...I think, however, that he should have mentioned that the mimosas were bottomless. At first he asked if we'd like another--we said "no". When a different waiter came along and just filled our glasses, we figured it was because the food was taking forever. None of the wait staff seemed to notice or apologize for the wait--and neither did the manager, to whom we casually mentioned the length of time it took for the food to arrive. She did say they were "busy"--the place was not even half full! (The slow kitchen may explain the reason why they believe half-full is "busy"!!) I know: good food takes time, but a 45+ minute wait can't be good for business
Our first time at this fine restaurant was for Easter brunch, and it was wonderful! The bottomless Mimosas were especially fun. Chicken and waffles, quiche, shrimp and grits - all excellent. Desserts - banana pudding, coconut cake, chocolate mousse - outstanding! Prices are reasonable, live music was great, and so, we will return.
Food was excellent! Service just as good. We arrived an hour early for lunch on a busy Sunday two weeks ago. Without hesitation, the staff seated us. The food came in a timely manner. And the bottomless Mimosas ..... well, the kept coming! Awesome, experience. I will return!!!
We went to Creme for the Easter brunch. We were a group of 6 and we had a great time! The food was delicious, service excellent, atmosphere pleasant and friendly, and the live piano/bass jazz duo completed this amazing experience. We are very pleased and will certainly recommend Creme to everyone we know.
This was our first time at Creme, and we thoroughly enjoyed it. We had a group of 4, and ordered the Caesar salad, Shrimp and Grits, Maryland Jumbo Crab Cakes, Bourbon and Teriyaki Glazed Salmon, Strawberry Shortcake, and Not Yo Mamma's Banana pudding. All of the food was outstanding, and we also enjoyed the warm cornbread that was brought to the table. It was a treat to meet the chef after the meal.
Great all around. Nice friendly crowd. I liked the Sunday afternoon thing. not far from the Walters Art Museum. Parking was no problem on the street and right next door as well. Food was unique, exotic, highly seasoned, and tasty.
The food was very good. Cooked as ordered. However, the Sauteed spinach was chewy.
My husband and I visited Creme for the very first time, on May 5th to celebrate "Cinco de Mayo." We had a fantastic experience! We were seated promptly, as soon as we arrived, and within minutes, out waiter was at the table explaining the specials for the day. I ordered a French martini and sent instructions to the bartender how to make it (I'm particular about my French martinis!) She very graciously prepared it to perfection. Within minutes our food arrived. The chicken and waffles were delicious and my husband enjoyed the eggs benedict fajita. The extra treat was the wonderful live jazz that added to the ambiance and brought everything together "scrumptiously," Will definitely be back, and we're bringing friends and family when we do!!
The food and service were great, can't wait to go back!!!!
Must go for brunch and get the chicken and waffles! The wait staff is very attentive and friendly, the chef even came out to our table.
The chicken and waffles were good; however, I would recommend a bit less garlic in the chicken batter. The mushroom Benedict was great and the salad that came with it had an excellent dressing. I had the side of grits and fell in love. Can't wait to try their shrimp and grits entree.
Excellent by all measures. Don't be scared away by the lack of customers. It's a find. Give Creme a try. Menu is limited but the results are outstanding.
My wife and I researched the blogs and the reviews concerning restaurants in Baltimore. We finally selected Creme in one of the oldest neighborhoods because it had consistently great reviews for both food and service when compared to other restaurants in the immediate area. The Chef keeps a menu focused on items they can do well. It is laced with local produce and superbly selected wines and yes there is also a vegetarian selection. The presentation and ambiance of the location had much appeal and the price was very reasonable. Creme has early and late dining which is a plus, and is located not far from the museums. Creme caters events throughout the region and its reputation is growing. Don't forget dessert and coffee!
Four of us went for brunch and were pleased with our experience. The service was friendly and attentive. Two of us enjoyed green eggs and ham. The ham was good and salty and the eggs tasty, but a little crispier than I like. (Though seldom does a restaurant prepare an omelet to that just slightly undercooked perfection that I so enjoy.) One had the steaks and eggs and was very pleased with it, saying it was prepared well and tasted great. The other had the chicken and waffles, which he said were good. He enjoyed that the chicken was dark meat. Our iced coffees were also strong and tasty.
Had an early dinner on a weekend. Mushroom appetizer was delicious and the crab cakes and jambalaya entrees were excellent. Definitely would recommend to close friends. The wait staff needs a bit of polishing. Waiter was very sincere and attentive but needs to work on his depth of knowledge of the wine list and menu. That said, it was a very positive dining experience and I would recommend without hesitation.
Creme may not have the greatest cuisine you've ever eaten, but it's fine, and the ambiance and service we found were great. What we found not so great about the food was that it was too salty, and the wild mushrooms in the appetizer appeared to be just regular mushrooms. The crab cake doesn't make Baltimore's 10 best, a little on the mushy side, but it's taste left nothing to be desired. The glazed grilled salmon and the crab soup were very good, though. Add the very reasonable prices, great location, and wonderful service, and I know we'll be back to this convenient Mt. Vernon eatery. We plan on trying a busier time than when we visited: On a thursday night at 9:30 things had clearly died down..
This restaurant was very nice. The service was exceptional and the food was delicious. Will be visiting this restaurant frequently.
Went here during restaurant week. It was nice to find a place that offered brunch during restaurant week. We were not let down. The food was great, I recommend the baltimore Benedict and chicken/waffles. We had a server who was training. She was very friendly and efficient. The manager checked on our table several times during the meal, nice touch. Live music was playing for a perfect ambience. I need to go back for dinner!
Everything was great, a little under staff for resturant week but the people that were there did a great job
Really liked the atmosphere...not too noisy, not too quiet. Service was ok and the food was fantastic! Shrimp & grits dish was amazing and waffles were light as a cloud. My food was seasoned to perfection. Great price for a 2 course brunch. Definitely would recommend the brunch and have already planned a return visit with a friend. Next...will visit for dinner and try something different. Great job Creme! Keep up the good work!!
Chose this location for the first time as a family celebration and the experience was great. Nice southern menu with great options. Environment was nice and cozy, server was great and decor was contemporary. Would revisit again with all adults or the girls next time.
I found Creme on Open Table and decided to try it before going to the Meyerhoff for a show. The corn muffins, glazed salmon and shrimp/grits were all outstanding. Service was impeccable and we were out of there in plenty of time for the show. (Note that it is too far to walk to the theaters.) I wish that we had room for dessert which looked amazing as does the Sunday brunch menu.
Having just moved to Baltimore from the South, I couldn't be happier to have found Creme! I felt right at home eating some of the best Shrimp and Grits and Banana Pudding I have had in recent memory. To top it off, the service was excellent (the chef even personally spoke with us) and the restaurant itself had such a fun vibe. We will definitely be back.
I went here w/my wife last night and I was surprised at how great the food was. I had the lamb and even though it was served well done versus medium, it was amazingly flavorful and tender. My wife had the salmon and the only complaint that she had was the the serving of salmon was SO small... maybe it was b/c it was so delicious that you realize how little food you were actually given. I would recommend at least one visit!!!
We enjoyed the dinner so much we went back on 10Nov13 for brunch!!! Best decision ever!!! We had a table of 5 and everyone ordered something different and boy was EVERYTHING tasty! And the staff is so fun and kept the mimosas flowing! I will be returning again!!!!!


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Hummingbird Charters
PO Box 105, Berridale, New South Wales, 2628 Email: firstname.lastname@example.com Website: www.snowalliance.com.au New South Wales TRANSFER
Hummingbird Charters provides private transfers in luxury all wheel drive (AWD) vehicles and bus charters to the New South Wales Snowy Mountains region. Hummingbird Charters specialise in transfers to and from Canberra and Cooma Airport to the Snowy Mountains region during the ski season and during summer, to regions such as Thredbo, Perisher, Smiggins, Guthega, Selwyn, Jindabyne and Charlottes Pass. A large range of transport options is on offer to get you to your destination and the experienced and friendly drivers will ensure you get there safely.
NorthEast Coachlines
12 Bullivant Street, Wangaratta, Victoria, 3677 Email: email@example.com Website: www.HothamBus.com.au Victoria COACHSVC 9182036 Phone Number: 61 13 0078 1221
Want an easier, cost-saving way to get to the spectacular Victorian snowfields? try NorthEast Coachlines. HothamBus & FallsBus are operated by North East Coachlines and can take you to the Mount Hotham, Falls Creek and Dinner Plain ski resorts for the 2013 snow season with one-way online bus fares from Melbourne starting from an amazing $53 per person including resort entry fees! So skiing, snow-boarding or just taking in that stunning snow scenery can be yours without all the usual fuss, expense or time-wasting. NorthEast Coachlines' discounted express coaches run daily from Melbourne or Sydney to the Victorian snowfields and the Hotham Hopper coach operates from Albury airport to Mount Hotham and Dinner Plain. Day Ski/Board tours from Melbourne start at $99, along with Ski Weekends ranging from $229 staying in Bright, or on-snow offers at Falls Creek and Hotham Heights. Plus, also available are great value 5 or 7 day fully inclusive packaged Snow Holidays to the Victorian snow resorts. Prefer to take your car part of the way? Check out the Park 'N' Ride snow shuttle with secure off-mountain parking for your private car, and NorthEast Coachlines will deliver you to the resorts stress free.
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The Division of Allergic Diseases diagnoses and treats food allergies. The diagnosis depends on a careful examination, selective skin testing or RAST's (if an IgE-mediated disorder is suspected), diet elimination and blind provocation. Some common food allergens that are evaluated at Mayo Clinic are those to cow's milk, chicken eggs, legumes (peanut and soybean), and fish.
Food-allergic patients and their families can also meet with a dietician to learn about food-elimination diets to assure proper nutrition.
Patients can be followed at daily, weekly, monthly, or other intervals as necessary. Acute same-day visits are available during the week. An allergist is available around the clock for emergencies.
Joseph H. Butterfield, M.D.
John B. Hagan, M.D.
James T. C. Li, M.D.
Daniel E. Maddox, M.D.
Gerald W. Volcheck, M.D.
Catherine R. Weiler, M.D.
Miguel A. Park, M.D.
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A very fine route up a beckoning ridge of rock. Fantastic granite ridge climbing, with full-value exposure on the upper pitches. Retreat back down the ridge would be very tedious. This description follows the 'directissima' start from the northern-most tip of the ridge, marked as route 142 in the posted topo. Pitches are also described as they made the most sense to us, linking a few easy traverses on flat ground and building belays at logical spots. Start at 'Grat 5c' carved into the stone! P1 - 5c. Layback and then across bolted slab. Head up the short chimmney and either belay on top of the chimmney or walk across grassy patch to the obvious corner. P2 - 5c? - Two options, left and right crack. Right crack is half picture-perfect 5.9 crack climbing, half 5.10 offwidth at the top. I would go left next time! P3 - 5c - Original route starts at a cairn down and to the left. Direct route (not shown in topo here) goes up right. Scurry up some slabs to large corner, go in and make some traversing moves up to a chimney. P4 - 4c. Now joins original route. Grovel elegantly up a chimney, walk right, head up corner. P5 - 4b. More chimney work, and now head around to exposed western side of the ridge. P4 - 2a. Traverse across a flat table, with nothing but air on both sides! Would for sure be an easy stroll without snow/ice on the table� P5 - 5b. Sidepull/mantle/thug up some blocky holds. P6 - 4a. Walk across the ridge, then follow the pitons and bolts up the face. Note: at the ledge, can exit left to reach the abseil stands for Nanouk and Medea. P7 - 5b - Headwall to the top! Descent is equipped for a single 50m rope� if you don't mind doing 10 rappels. Quite fast with 2 x 50 or longer. Have to scamper 20 min across talus field at the bottom to return to packs. Additional information about the route and area over on SummitPost.
All bolted, but also nearly all easily protectable on gear: bring some wide stuff (up to 4").
Can highly recommend the intro pitch that we followed (there are many options) - begins on the wall left of the tin containing the ascent log, with a "6b" etched in stone at the base of a prominent crack. There are two bolted lines taking off at this point, one following a smaller crack straight up, and the other following a somewhat wider crack that veers a bit more to the right. We took the latter, which goes at around 5c and was a jam fest. With 2x60m ropes, the rap off the east side was a very quick affair (4x, straight down).
This is a really good route, and a fine intro into the longer alpine rock climbs found all over CH. We did it 13 pitches, but could be lead in considerably less, with some simuling. FWIW, the route does not top out on the actual summit of Zerfreilahorn. If you want to get to the actual summit, be prepared to slog over 3rd class for a while once the route tops out.


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This place is a little pricey for what it is. They have good pizza specials. Used to have more interesting types of ingredients to choose from.
This place is a little pricey for what it is. They have good pizza specials. Used to have more interesting types of ingredients to choose from.
we live in brewster and to pizzas by evan almost once each week-- the pizzarust is excellent as are the toppings,etc--they have spaghetti,lasana, grinders etc alovely young couple owns and manages the business--it is ajoy to be there!
The service was fast and efficient. The pizza was good, as was the salad that we ordered. It is not fancy, but a good place for a quick meal that is value priced and quit good.
Your typical thin crust pizza. Good ingredients, solid. Nothing noteworthy, at the same time its nice to know you can get a solid pizza somewhere while vacationing.
The food here is always fresh and consistently good. They do an excellent business amongst the locals as well as the tourists which reflects well on it. Highly recommended!
It seemed a place for the locals, as mentioned the food was very good however no atmosphere since it deals with mostly take out orders.
Love their pizza over all others I've had on the Cape. Their crust is unique. Not chewy like others. Never been disappointed.
The pizza has gotten better and better over the years - what a good meal it is now! We love to order from Evan's once a week for our pizza and movie night! You cannot go wrong!
Greek pizza at it's best! I don't know what they use for seasoning on their roasted peppers but they are so good. The crust on the pizza is crispy and tasty. Whenever we visit the Cape this pizza house is a must. It may be a little out of the way and not fancy but the food is excellent and... More
I like this place a lot because the pizza is very good, and they will deliver if you don't feel like going out.
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- I Love Yarn Day
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Love to see the latest products, browse for fresh project ideas and meet other enthusiasts? Then you will not want to miss these upcoming shows!
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Snapshots from Stitches East in Hartford and the Craft and Hobby SuperShow in Anaheim.
Welcome to the Craft Yarn Council's web site, the yarn industry's one-stop resource.
People of all ages—more than 50 million—know how to knit, crochet and craft with yarn because its fun, relaxing and you can make great things. Whether you are a beginner or experienced knitter or crocheter, a designer or someone interested in learning more about the industry, you've come to the right place!
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Final Authority Christian Church announces its annual Women's Conference: "Change Your Mind". Wednesday, Thursday & Friday, November 14-16, 7:00 PM nightly at Final Authority Christian Church
1632 Friendly Woods Road, Columbia, SC 29203. Speakers will be Pastors Jeffrey and Princetta James. Guests include: Saxophonist Devone Gary, Guest Comedian Corie Johnson & Psalmist Tiear Williams. . For More Information call 803-714-0761 or visit www.finalauthoritycc.com
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Watch These Animals Sticking Their Huge Heads Inside Car Windows — Daily Distraction
Animals are often curious by nature. So it's probably a decent idea to keep your window closed if there's, say, a giraffe around.
Animals are often curious by nature. So it's probably a decent idea to keep your window closed if there's, say, a giraffe around.
What's better than a pillow fight? That would be a SURPRISE pillow fight!
2014 is going to be a huge year for the iconic George Strait that's because it will be the last year to see George Strait in concert. "The Cowboy Rides Away Tour" wraps up in Arlington at AT&T Stadium on June 7. And yes this show is going to be BIG! It's only appropriate that George will do his FINAL concert in his home state of Texas.
Lots of talk these days about artificial trees versus real trees. I had both growing up as a child but I have to admit there was always something special about going out to the woods or a Christmas tree farm to search for the perfect tree.
Republican Bowie County Judge Sterling Lacy has decided not to run for a 2nd term in office.
Barbara Walters released nine of her ten 'Most Fascinating People of the Year' list. I have to admit, I'm a little confused on some of these!
We gave away $1,000 two times a day during the month of November, but since we love cash so much we wanted to give away $10,000 to one of our VIP members. So now the burning question is: who won the grand prize in our $10,000 cash contest?
The Live United Texarkana Bowl is happening this Saturday.
Now, don't get me wrong! I love Christmas songs, but there are some that can be a little annoying if you hear them over and over again.
Would you help an opposing team player fulfill a dream if you had the opportunity?
Have you ever given money to a street musician?
Amazon Drones may be the future of home delivery.


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"I want to be a leader who can cause positive change in the lives of as many people as possible."
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Notre Dame de Namur University offers innovative faculty mentorship, extensive professional networks, and a diverse population. The Bay Area's successful business leaders, educators, artists, and community organizers choose to build their professional skills and develop their careers through NDNU. NDNU's evening graduate and credential programs are designed with working adults in mind. When you enroll in NDNU, you join an impressive network of professionals and an academic community that supports your personal and career growth. ProgramsNDNU offers multiple graduate degrees, credentials and certificates through the School of Business and Management, Education and Leadership and College of Arts and Science. See a full list of programs and degrees. Where Ambition Meets Flexibility
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text: Clean, and well maintained. Has the quiet charms of an old colonial seaside bungalow - love the high, wooden beamed ceilings, large windows. Nice common areas. Quick prompt service. Exceptionally clean kitchen. AC double rooms are a bit too steep for the services, but the room and dorm are great value. The non-AC rooms might be a bit too small... More


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Friday marks 85 years since the bombings at a school in Bath Township, and residents are still trying to decide what to do with the only remaining piece of the building.
Bath's school building was a state-of-the-art example for other area schools before a school board trustee, enraged over a property tax debate, stuck hundreds of pounds of explosives in the basement.
He only managed to detonate half of them, but it was enough to kill almost 50 children and adults, making the disaster the country's deadliest mass murder ever to happen in a school.
The only piece of the school remaining is the cupola, standing in Bath's James Couzens Memorial Park.
It's the most important piece of history to the town, which inspired township trustee Rick Curtis to come up with a new design for a public memorial; placing it on top of a pavilion: "The folks have spoken. They're coming out to the meetings, highly in favor of it."
It is designed to be built in the same place and in a similar fashion to the school. For over three months he's talked with other committees, gaining everybody's approval, except for the final hurdle; a vote by the township board, where he sits.
Township Treasurer Jeff Garrity explains the reason for the hold up: "The main concern is that we get enough community input to feel comfortable making this decision. Right now I don't feel we're there."
Garrity says the board still needs to decide if they are going to add more park renovations to this proposal, including the possibility of public restrooms: "Let's think of, how do we design a nice park for the people of this community. The pavilion may be an aspect of that, there are other aspects to consider as well."
But Curtis says, making the proposal so broad would add months to planning: "This would have to be the cornerstone or the center piece of this park. If we want to do more in this park, we should really do this around that."
Both sides say that Monday evening's meeting will be yet another night to debate the details, especially since a deadline for a vote has not been set.
The hearing will begin at 5:00 p.m. at the Township Hall Building.
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Chicago's Carol Woods has turned her cozy dressing room into her home away from home! With her trusty dog Fido, her grandchildren and a homecooked meal, Woods is always fixin' up something good backstage of the Ambassador Theatre.
October 24, 2012The star shares her five favorite dressing room items.
April 10, 2012The actor shares five favorite backstage items.
April 3, 2012Motown's Bryan Terrell Clark takes viewers inside "Studio B," where he's got a hat for every occasion, a life-saving coffeemaker and his mood-setting Marvin Gaye connection.
April 3, 2013Matt Bogart shares some favorite personal items from his dressing room.
August 18, 2011Tony winner Nikki M. James shares her essential dressing room items.
October 5, 2011When Ellen Harvey isn't keeping the corps de ballet in line as Madame Giry in The Phantom of the Opera, she's hanging out backstage at the Majestic Theatre with her marshmallow sculpture, trusty cell phone and a surprise Broadway guest!
January 23, 2013Starring in the Broadway blockbuster Wicked keeps Jackie Burns on her toes, but it's these five things that make her life easier backstage. Bet you've never done this with apple cider vinegar!
October 3, 2012The leading lady of Phantom can't get by with out these dressing room essentials.
June 22, 2011It seems like Jeremy Kushnier has sticky fingers! From Andy Karl's guitar to Jesus Christ's shake weight, the Jersey Boys star shows off some of his favorite backstage items, few of which are actually his!
November 7, 2012The actress shares her dressing room must-haves.
March 14, 2012Randy Danson, who plays the villainous Madame Morrible in Wicked, invites us into her dressing room to see her "groovy lady," royal pet portraits and a special gift from Tony-winning costume designer Susan Hilferty.
March 13, 2013


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Customer Service6.29.2012 CSR/Telecommute We are in search of highly motivated individuals to provide customer service and account setup. We provide a support team with all the tools you need to succeed. Work flexible schedules from your home office. Home office set up must include computer and Internet connection. Must have basic computer skills, and excellent phone voice. Submit a brief work history along ... » LaTasha (Tuscaloosa, Alabama) E-mail | |


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This was Tony's driver that he beat up to reestablish his leadership in the family. Lots of problems with the Sopranos actors.
I watched the Sopranos from start to finish, for some reason, I don't remember this guy at all?? I guess I won't be losing sleep if I don't see him in anymore shows.
He was Tony's new driver after he got out of the hospital and everyone else had either been whacked or promoted due to so many in the Aprile crew being dead. The same thing happened with the Walden character and a bunch of those unnamed Phil Leotardo lackeys, there were new guys getting moved up really quickly (in both NY and NJ) because of all the instability.
it turns out a lot of the cast members weren't acting
I hate being bipolar, its awesome.
When I was 16 I worked for this little mom and pop store. The owner had me drive down to UPS and pick up a shipment and told me to use money in the register. About 30 mins after I returned from UPS there were 3 Secret Service agents in the store asking me questions. Turns out one of the bills I used was fake. As they were asking me questions I looked down on their sheet and they had all my info - the names of brothers/sisters/mom/dad, etc... Scared the shit out of me. These guys weren't fuckin' around.
Let's not forget this guy...
Lilo Brancato Jr, the actor who portrayed Matt Bevilacqua in the second series of "The Sopranos", has been arrested under the suspicion of murder after a policeman was found shot dead. Steven Armnento was also captured by the Police, the two to face burglary and weapons charges as well.
I think he would argue that was just him making a power play in light of Tony running afoul of New York, and being a rat constitutes co-operating with the police rather than do jail time (as in standing up). Sirico actually did jail time in real life, and "stood up", so I think that's why he would be okay with one and not the other.
according to the media, the secret service is for the protection of the president, but their "other" job is chasing after counterfeit money, which mainly comes from North Korea and is how they make all their money. They are the best counterfeiters in the world, actually had the printing press hundreds of years before europe, even their written language is a type set, as opposed to the hand painted chinese and japanese. North Korea flood the economy with bogus US bills through Japan and the bills are impossible to detect.
who's carlo?
Well to be technical, there were other crews in Tony's family (Barese, Juniors/Bobby's, Carlo's, Paulie's, Ray Curto's) that we never see, but I think we have to assume are just there. Aprile's crew was more than likely based around the same area as Tony's which is why there's a lot interaction and feuding. As for NY, generally when there's a new boss they put those in their inner circle in the top spots and demote the old regime, I follow this this shit and this is what we're seeing currently with the Gambinos and Philadelphia.
By the way, both guys who played the Barese brothers both got popped for being involved in mob schemes. The guy who played Larry, Tony Darrow, was working with the Gambinos and the guy who played Albert, Richard Maldone, was arrested with some Colombo guys.
I still love that moltisante was killed by tiny pinching his big ass nose
Don't know why but I died laughing when he was driving Tony one time and this old man passed in front of him in a pick up, at the light Tony's driver asked "hey u don't signal" the old man said "fuck you" Tony's driver reacted like he wanted to kill the old man, Tony calmed him down and said its ok leave it...
Hank to Beetle "who wrote the Gettysburg address"
Beetle "I don't wear dresses"
Is that "2nd Runner up, Mr. Teen Bloomfield"?
I know a guy who has a printing business, the copy machines he has are so good, that they can make a passable bill. The machines have a sensor in it, if you try to copy US currency,the machine shuts down, and you have to call the manufacturer who gives you a reset code, and the SS is notified.


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Photo Gallery | Wanted on meth-related charges
As of Jan. 30, 2013 these people are wanted because of various charges involving meth.
These people's warrants pertain to meth use, creation, and possession.
Anyone with information on where any of these individuals can be located is urged to call the Fugitive Division at 901-222-5620 or Crime Stoppers at 528-CASH.
More information can be obtained on these individuals and others by visiting http://shelbywarrants.org/.


text:
For a little bit of subtle luxury, this Tacori cocktail ring has it all! With four multi-faceted deep blue stones set in black silver, this cocktail ring makes a statement without having to say a word. Delicate milligrain detailing decorates every inch of this fabulous Tacori design.
Precious MetalsAvailable in Sterling Silver with 18K Yellow Gold Accents.
Gemstones Pictured in Blue Quartz over Hematite. Also available in Clear Quartz over Ruby Red Quartz Approximate carats as pictured: 13.92ct
0.97"w X 0.97"l


text:
Vt car search after robbery finds dummy grenade
MORRISTOWN Vermont State Police had a scare when they were searching a car after a robbery and found what appeared to be a hand grenade.
Police say they also found what appeared to be a gun and notes threatening to use the weapons during Fridays search, which followed Thursdays robbery at the Kinney Drugs store in Cambridge.
The car was parked outside the Morristown Police Department, which was ordered evacuated. A state police bomb squad was called in. The grenade turned out to be a dummy, and the gun turned out to be an air gun.
Police say they do not believe the case was related to the discovery of a live hand grenade outside a Morrisville restaurant Aug. 21.MORE IN This Just InMaybe talking about life insurance isnt as bad as a root canal or as hard as talking with your... Full StoryHELENA, Mont. Full StoryMONTPELIER In an attempt to avoid some of the same operational challenges they continue to... Full Story -
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SOURCE Telstra Global
NEW YORK, Oct. 22, 2013 /PRNewswire/ -- Telstra Global today announced that it has established a network-to-network interconnection (NNI) agreement with CenturyLink, Inc. (NYSE: CTL), greatly increasing Telstra Global's footprint across the United States.
The IP virtual private network (VPN) NNI offering will provide Telstra Global access to 73 CenturyLink IP VPN points-of-presence (PoPs) in the U.S. This access will significantly enhance service offerings with greater connectivity and redundancy options for businesses across the region.
"Telstra Global customers now have even greater accessibility and choice of telecommunication solutions across the U.S., providing business-ready networks that help grow their businesses," said Tom Homer, Telstra Global Head of EMEA and the Americas.
"This ongoing partnering relationship with CenturyLink, the third largest telecommunications company in the United States, combined with our existing network capabilities, means our customers can continue to expect cost-effective, high-quality and reliable service, regardless of location."
CenturyLink Wholesale Vice President of Product and Marketing Eric Bozich said: "CenturyLink's IP VPN network has best-in-class performance and coverage across the U.S. Partnering with Telstra will combine the reach and capabilities of two global leaders in delivering solutions to multi-national business customers."
Telstra Global's hosting services are offered from 18 data centres worldwide with an extensive choice of network connectivity options which extend to over 1,400 PoPs in more than 230 countries and territories.
About Telstra Global
Telstra Global is a leading global supplier of managed network services and international data, voice and satellite services. It is a part of Telstra Corporation Limited and owns one of the most technologically advanced IP backbone networks in the world.
Telstra Global provides innovative and flexible global communications services and solutions for organisations looking to maximise the benefits of globalisation, particularly across growth regions such as Asia, whilst driving sustainability and enhancing business agility.
Together with its offshore subsidiaries and international investments, Telstra Global serves companies spanning Asia Pacific, EMEA and the Americas. It operates award-winning networks which are amongst the largest and most diverse in Asia Pacific. It has licences in Asia, Europe and the US and facilitates access to over 1,400 PoPs in 230 countries and territories across the globe.
About CenturyLink
CenturyLink is the third largest telecommunications company in the United States and is recognized as a leader in the network services market by technology industry analyst firms. The company is a global leader in cloud infrastructure and hosted IT solutions for enterprise customers. CenturyLink provides data, voice and managed services in local, national and select international markets through its high-quality advanced fiber optic network and multiple data centers for businesses and consumers. The company also offers advanced entertainment services under the CenturyLink™ Prism™ TV and DIRECTV brands. Headquartered in Monroe, La., CenturyLink is an S&P 500 company and is included among the Fortune 500 list of America's largest corporations. For more information, visit www.centurylink.com.
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free economy shipping
on all orders over $25* *see details ● view our holiday shipping calendar
on all orders over $25* *see details ● view our holiday shipping calendar
**Valid on Economy shipping method only. Not valid on any other shipping method. Order total determined after any other discounts are applied and does not include any applicable taxes. Offer subject to change without notice. Limited time offer.
Order deadlines for delivery by 12/24*
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Crocband™ Loafer
Item #11535
Who says you can't fall in love with a shoe? Cute and casual, the Crocband™ Loafer is a sneaker-inspired flat with a Croslite™ material footbed that will keep your feet feeling comfortable and happy all day—whether at work and/or at play.
Crocband™ Loafer Details:
- Sleek sneaker-inspired flat with sporty midsole band.
- Croslite™ material upper for ultra lightweight comfort and flexibility.
- Rubber-wrapped Croslite™ material midsole.
- Circulation nubs along the footbed for a massage-like feel.
- Non-marking Croslite™ material outsole.
Fit and Size
- Shopping for a ½ size? Order down to the next smallest whole size.
- Fit style: Relaxed — a little room, yet secure. View the Crocs fit guide.
APMA Approved Member (the American Podiatric Medical Association) recognizes certain Crocs™ Work shoes with their seal of acceptance, approving the shoes for general podiatric conditions.
Crocband™ Loafer
Women's Comfortable Flats
Final sale. see details
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68 reviews
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Long lasting shoe
This shoe fits very well and saves me a lot of time on walking everywhere.
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More than perfect!!
I really adore crocs ballerinas , sneakers and boots. They are more than perfect..
Very very comfortable and durable. I can go every where walking if am with my crocs shoes:))
What i really like most that they are very easy to clean and after cleaning they looks as if they are new!! Yes that's right , even with my child shoes i can put in the sink and wash " no problem"!!
Keep it on crocsss..:))
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love this shoe!
I began wearing some of the Crocs shoes about a year ago, at the suggestion of my Podiatrist. I had been experiencing severe foot pain (to the point of limping!), yet nothing was "wrong" with my feet. I put my Crocs on and I'm good to go. No more foot pain with Crocs. Yay! :-)
I love this shoe - it's very cute with shorts or jeans, looks sporty, yet it's a bit more refined. It does run small - I had to go up a size on both feet (I have 2 different size feet).
Crocs: would you please consider making your women's shoes available in a size 12? Your closed-toe styles tend to run a bit small for me, and not all of them are available in a 12. {I would especially LOVE to be able to purchase the Crocband Loafer in a 12!!} I would certainly wear/purchase more of them if that were the case. Thanks!
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great, comfortable!
they're very cute, i think quite stylish. i have pretty wide feet and was somewhat scared to purchase these. to be honest, on the first day, my feet rubbed a bit against the sides of this shoe and i was fully prepared to send them back. i never ever stay with uncomfortable shoes. in this case though, i had no issues with them by the second day. they seem very durable and wearable over many seasons. i get many compliments about them! thanks for another great shoe, crocs!
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Positive feedback: 48 % over last 12 months (1362 ratings)
PlayTrader since: 25/11/08Location: USA
(Requires a Play.com account.)
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Feedback History
Buyer: Beebumdebum | 10/12/13
"what a load of shite will never use again ordered my book in October has not come sent email no response had my money and run. Do not...I repeat DO NOT use this COMPANY "
Buyer: firefly1234 | 10/12/13
"Ordered in mid October...7 weeks later and no delivery! Have contacted them on more than 1 occasion with no response. Play HAVE to do more to address what is basically daylight robbery! DO NOT ORDER FROM THIS SELLER! "
Buyer: ChrisB2013 | 10/12/13
"SpinetinglersBooks took the money for this item out of my account as soon as I ordered but they never sent the item.I waited over a month for it.I contacted them several times but they just ignored me. iIcontacted play.com who are refunding the item."
Buyer: Caspersam1006 | 10/12/13
"this company is a joke they take your money and send nothing.i dont understand why piay.com lets this go on,i wont be using again."
Buyer: ttedge | 10/12/13
"I ordered from here 6 weeks ago and am still waiting for my product, I have emailed them 10 times with no response at all. DO NOT BUY FROM THIS COMPANY"
Buyer: Unhappy66 | 10/12/13
Buyer: chiggy9 | 10/12/13
"Ordered one month ago and never recieved. Emailed many times to chase this up but no response. Am now £19 out of pocket"
Buyer: Nikkitimp | 10/12/13
"no delivery on order from 13 oct. "
Buyer: Pavan000 | 10/12/13
"Today is 10 December, and I have still not received my order! Lousy service!!"
Buyer: viggos | 10/12/13
"I ordered a DVD on 25/10/13 which was dispatched early in Nov-it is now 10th Dec & i still havent received it. To make things worse the seller, after answering my first mail to them, are now ignoring all my mails. I would not recommend them at all."
Buyer: rachjarmu | 10/12/13
"DO NOT BUY FROM THIS SELLER!!! Have not received item or response to emaill. They should be removed from Play!"
Buyer: NatashaMay | 10/12/13
"no service , no DVD, all responses just automated - these poeple are a con."
Buyer: ulliott123 | 10/12/13
"never received the item "
Buyer: muffin92 | 10/12/13
"still not arrived conmen"
Buyer: jamiek1 | 10/12/13
"I am still waiting for my book and I ordered it back at the end of October! Not impressed by the lack of response to emails I have sent asking where my item is. "
Buyer: Suzibubbs | 10/12/13
"Item never arrived, spoke to play.com this seller no longer trades as play have stopped them! DO NOT BUY FROM THIS SELLER!!!!!! "
Buyer: Debbiemesser | 10/12/13
"Do not use as bought a DVD box set at the start of November, contacted seller twice but still nothing. I know longer what the DVD but I do want a full refund..... Play should also monitor sellers better to stop this happening! "
Buyer: sven08 | 10/12/13
"Ordered item on 2nd November & it has still not arrived - money taken straight away though. Terrible terrible terrible service"
Buyer: Eljayne | 09/12/13
"Arrived quicker than expected, thank you.! "
Buyer: Jensmam | 09/12/13
"Have to agree with everyone else the service is appalling, ordered DVD early November and still waiting for delivery. have had to order from somewhere else as this was a christmas present. don't use them"
Buyer: nichola41 | 09/12/13
"Just takes ur money no dvd or even a message bk"
Buyer: walkerdk | 09/12/13
"Placed order 31st Oct!! Still havent received anything.I have sent 3 e mails but have had no reply,do not buy from this seller!!! "
Buyer: johnboywin | 09/12/13
"Never received book and seller didn't respond to emails, don't order from this supplier, still awaiting a refund, "
Buyer: karenmac58 | 09/12/13
"Ordered this item at the start of November, contacted them via their phoneline on their website and they said they would post another copy. Obviously this has not happened. No contact via email. Reported and still awaiting a refund. Dreadful"
Buyer: pipeveartali | 09/12/13
"Ordered a DVD on 29/10/13 Still have not got it !!"
Buyer: el1zabeth | 09/12/13
"Service is absolutely appaling same as the rest, goods not received awaiting refund from play.com. Should be banned from using this site."
Buyer: fudge98 | 09/12/13
"Ordered book and a month later nothing... I sent emails and contacted via Play.com and no response. Play had to issue a refund in the end "
Buyer: Sarah341 | 09/12/13
"DO NOT USE THESE PEOPLE! My story is the same as everyone else. Non-receipt of goods ordered in October, promise to re-send, now no response to emails."
Buyer: Carole9908 | 09/12/13
"Supposed to have been posted on 2/11. Received email reply on 12/11 asking to give it a few more days. Sent further emails on 26/11 and 2/12 but no reply and no DVD either. Won't be buying here again."
Buyer: paddydots1 | 09/12/13
"I've not received any of my orders and after multiple emails the seller replied and said they would get back to my query, only to be ignoring me again. They have taken the money though..."
Buyer: DarcieC | 09/12/13
"Have still not received my order and have received no feedback from the seller!! It is well over 21 days since ordering. Please advise as this is a christmas present. Sandra Creed"
Buyer: leonardolucia | 09/12/13
"Item never arrived, it's been 7 weeks now. Initially emailed me to ask if I'd received it. I said I hadn't and was told to wait a few more days then contact them if it didn't turn up. Which of course I did and I've heard nothing more. TERRIBLE SELLER"
Buyer: EFB1985 | 09/12/13
"DO NOT BUY FROM THIS SELLER Item ordered has not been delivered. When I contacted the seller they said they had shipped a replacement. Unsurprisingly this never arrived either."
Buyer: derekm1974 | 09/12/13
"Do NOT USE this supplier. I ordered goods at beginning of November and still not recived them but they have my money! All effort to contact them has been ignored. DO NOT USE THEM"
Buyer: unhappyUK | 09/12/13
"Ordered on 4th November, still havent recieved, sent an email to seller and no reply!! i will now have to re-order from else where to get for xmas so will cost my double.... do not buy from here"
Buyer: Jaimeyoung | 09/12/13
"Do not use this seller. My item (DVD box set) never arrived. Contacted the seller and they said they'd send another one out to me. That didn't arrive either. Contacted the seller again but they didn't reply. DO NOT USE THIS SELLER!"
Buyer: mummy5 | 09/12/13
"item never arrived! I have also had no reply from the seller either. "
Buyer: brains1982 | 09/12/13
Buyer: vix1289 | 09/12/13
"Do not buy from this company, I placed an order on 23 October & have still not received item despite emailing twice! Scammers!!!"
Buyer: donnadee24 | 09/12/13
"Over a month has passed and I still haven't receive the item. "
Buyer: krista1500 | 09/12/13
"2 months later and I've still not received it!"
Buyer: MelissaRM | 09/12/13
"Con artists. Never delivered product. Buy nothing from them"
Buyer: eiregirl | 09/12/13
"Never received."
Buyer: Melaniesharrison | 09/12/13
"Awful awful service! Order is now nearly 2 months late! Have contacted the seller twice and still no reply! Should no way be allowed to trade on Play.com! Not happy at all and will be taking further action! "
Buyer: jadewillow | 09/12/13
"Its been over a month and I have still not recieved my item! I have also emailed three times and not had any reply!!!!"
Buyer: GillxPx | 09/12/13
"Placed my order 13th November - it has been dispatched but never arrived. Three emails later I have still had no response from this seller. Money has been taken and seems no form of redress. Rubbish."
Buyer: Clecka | 08/12/13
"Item ordered and supposedly 'dispatched' over a month ago but never received!! Seller has been contacted but has not replied, so I have paid for an item that has not been received."
Buyer: lamcg20 | 08/12/13
"never recived items no emails back nothing play should remove them"
Buyer: deehale | 08/12/13
"Absolutely disgusting service, never got my cd, ignored all emails. Should not be allowed to trade on here. Absolute cowboys out to rip innocent people off!"
Buyer: Katiecrom | 08/12/13
"Order outstanding for 1 month and no information about its whereabouts. I recommend that you do not buy from this company. Buyer Beware!"
Buyer: OntarioSlim | 08/12/13
"Order not received emails not answered worst company ever"
Buyer: nediamnori | 08/12/13
"DON'T BUY FROM! Both myself and my partner have ordered from this "Seller" neither order was received. Suggestion to play.com........BAN THEM from selling. "
Buyer: thebigman1106 | 08/12/13
"DONT USE THESE PEOPLE. I wish I had read the feedback about this company. Goods nbever received and email not answered. They are crooks!"
Buyer: GRUFFLEY | 08/12/13
"Never arrived no contact with seller feel very let down Dont buy from this seller"
Buyer: richardwebster | 08/12/13
"Item never arrived. My e-mails were ignored. Didn't get a re-fund. Don't use this seller! "
Buyer: space1999 | 07/12/13
"After 6 weeks still nothing received and not responding to emails. Avoid this seller. They will rip you off."
Buyer: Robryall | 07/12/13
"Haven't received item and ignored emails I sent don't trust this seller I want a refund!!"
Buyer: Kimmas | 07/12/13
"Despite this order stating it was dispatched on 25th Oct I have still not received it and had no response from a recent email I sent !!"
Buyer: feeb21 | 07/12/13
"Delivery service rubbish and response to e-mail non excistant I have now demanded a full refund"
Buyer: blanchesyd | 07/12/13
"It's been over a month and the parcel NEVER arrived!!! DO NOT TRUST this seller!"
Buyer: Tsagia | 07/12/13
"Ordered 1 month ago and not received goods. Contacted them via email and no reply. Not happy and want a refund."
Buyer: MOOSE3 | 07/12/13
"Ordered in October still not received in December and no answer to emails.. Fraudster DO NOT BUY FROM THESE"
Buyer: Hayleyh33 | 07/12/13
"DO NOT USE THIS SELLER!!! Item never arrived. i emailed them and they ignored my email"
Buyer: Jamead | 07/12/13
"Says its been posted but a month later still hasn't arrived. "
Buyer: niklaus1990 | 07/12/13
Buyer: KayleighBunny | 07/12/13
"Ordered on 24.10.13 still not received. Contacted via email twice and no response I will never use this company again. Play should monitor feedback as this seller is now down to 15% not a good advert for them either"
Buyer: KayGreen | 07/12/13
"never use them they steal your money and you will never get what you have ordered when you try to contact them you only get an automatic response and then nothing more they should be banned from play as they will give them a bad name"
Buyer: ragnrok | 07/12/13
"Same as most people who brought items in good faith, not received after 2 months and replying to emails. I am now using the play.com FairPlay guarantee to get my money back."
Buyer: PaulQPR | 07/12/13
"Item not received. Have called and will apparently get a refund within 5 working days, but not convinced !"
Buyer: Stacey1104 | 07/12/13
"Rubbish!!! Ordered it and it was 'dispatched' but months later haven't received it. ... Don't buy from this seller!!"
Buyer: jenzybaby | 07/12/13
"Do not but anything from this company my dvd has never been delivered they are ripping people off and should be thrown off of play.com as it is giving them a bad name "
Buyer: rach3583 | 07/12/13
"Absolutely awful!! Never arrived, never reply to e-mails. Awful! Never use them!"
Buyer: Nickyno2 | 06/12/13
Buyer: AkelaA | 06/12/13
"Do not use this company, my order has never arrived & they will not respond to my emails!!!"
Buyer: bm5c71 | 06/12/13
"Never received item & never replied to any of my emails :( please don't shop with this user as have been badly let down :( "
Buyer: s11myg | 06/12/13
"Didn't receive my order so contacted them and they sent a replacement which has also never arrived. It is now two months since I placed my order. Have contacted them for a refund and no response. Have contacted them again today for refund again."
Buyer: looneytoone7 | 06/12/13
"Never received my order have emailed them over 10 times and had no reply.. do not buy from this seller!!!!! "
Buyer: mason101 | 06/12/13
"Dreadful service placed order in OCT still not received it! Rang customer services for refund. Their number is 028 9752 1002 "
Buyer: SLC1981 | 06/12/13
"AVOID AVOID , ordered in october item never received ! e mails ignored ! play.com refunded not the seller ! "
Buyer: wlaes80 | 06/12/13
"I never received my order.. i contacted spinetinglersbooks several times for update / refund/ replacement but heard nothing back... Very Poor and Disappointing . Avoid buying from this seller whenever possible."
Buyer: Dargle | 06/12/13
"CD never arrive despite paying for it. Sent supplier several emails all of which were ignored. AVOID!"
Buyer: Michellecc | 06/12/13
"CD was a gift. Due to none arrival Play.com have organised a refund. I have had no response whatsoever from Spinetingler with regard to none delivery. I would certainly never order from them again."
Buyer: charlateena | 06/12/13
"Hi I still haven't received this item but it says it has been sent out. Please can you let me know where it is, oh and will I receive it before christmas. thanks"
Buyer: donnakebab5 | 06/12/13
"Order placed over a month ago - still no response and still no item - please avoid this company until further notice of positive feedback"
Buyer: mikiejboy | 06/12/13
"2nd time I've used this seller, both times the product hasn't arrived. This time I have had no response to emails and a request for refund, I've now approached Play directly for a refund, Please avoid this seller at all costs!"
Buyer: 1975Ema | 06/12/13
Buyer: NKNIGHT8 | 06/12/13
"Avoid seller at all costs! I've never had a problem using play.com till I came across this seller! I ordered my item for a Christmas present on the 29th of October, never received the item!! They never even refunded me on the item, play did!! AVOID!"
Buyer: shelby793 | 06/12/13
"As others have said, avoid this seller. They said they'd shipped the item originally, responded to queries about it not arriving, said they'd send another & sure enough, that hasn't arrived either & they won't respond to emails now. CROOKS!"
Buyer: RBassett | 06/12/13
"AVOID! First item didn't arrive. Replacement apparently sent. Didn't arrive. Messages ignored. Play.com issued a refund not the seller."
Buyer: missbod | 05/12/13
"been five weeks still not had dvd sent email still nothing wont buy from them again not happy"
Buyer: ladygirl | 05/12/13
"Order was posted a month ago. No replies from seller. do not purchase from them. "
Buyer: rooarmy | 05/12/13
"Nearly a month waiting for this item and it still hasn't arrived. Tried contacting by email, but they just seem to ignore them. I would like a refund as this was meant to be a birthday present but i had to buy something else. Terrible service. "
Buyer: Lornarghh | 05/12/13
"having waited two months for item i now feel that a refund is the only option. im off to amazon "
Buyer: raythebish | 05/12/13
"absolutely furious, after contacting you and telling you I hadn't received the item, I am still waiting, 2 months later, service is non existent, shouldn't be allowed to trade on play or anywhere else"
Buyer: Buffybt | 05/12/13
"placed an order on Nov 11th, no item and no replies to my emails, DO NOT BUY from this conman, he is a thief who has no intention whatsoever of honouring his customers orders including mine. Have emailed play.com and no reply, shame on them too! "
Buyer: rochdalelad | 05/12/13
"DO NOT BUY FROM THIS SELLER! Never received order and no replys to emails! CROOKS!"
Buyer: janeyy | 05/12/13
"like everyone still waiting for item and no reply after sending few emails "
Buyer: tinalou | 05/12/13
"Item did not arrive. Seller has not responded to enquiries for over a month, and as I write this, I'm still chasing up for a refund. Avoid this seller, and frankly, given this experience, I'd recommend avoiding buying from sellers on Play in general."
Buyer: RyanBury | 05/12/13
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The person or entity responsible for keeping accurate accounting records of trust income, expenses and assets, process distributions of any kind and assisting the trustee to comply with state and federal tax laws. The trustee and Administrator may (but need not) be the same person. When the trustee hires an agent to provide these administrative services, the agent is commonly called a third-party administrator.
The written agreement between the trustee of a charitable remainder trust (CRT) and a third-party administrator that defines and limits the scope of the administrator's duties and responsibilities and how it is compensated.
A charitable remainder annuity trust is a trust from which a certain sum (not less than five percent of the initial fair market value of all property placed in trust) is to be paid, not less often than annually, to one or more persons (at least one of which is not an organization described in IRC 170 and, in the case of individuals, only to an individual who is living at the time of the creation of the trust) for a term of years (not in excess of twenty years) or for the life or lives of such individual or individuals.
The annuity amount may be stated as a fixed percentage of the initial net fair market value, or a fixed sum. The annuity percentage or amount that is fixed cannot be changed regardless of fluctuations in portfolio value. For this reason, additional contributions to annuity trusts are prohibited.
The date each year that the trustee must value the trust assets for purposes of determining the annual unitrust amount. For most trusts this date is either December 31, January 1 or 2.
The provision at their death by a donor for (in this case) a charity by means of a will or trust agreement, or it may be a distribution from a life insurance policy or retirement account.
CHARITABLE GIFT ANNUITY: Contract between the donor/donors and the issuing charity, where the donor/donors transfer property (cash, securities and real property) in exchange for a fixed dollar payment during their lifetime/lifetimes. Tax deductions for this type of life-income gift vary with the number of recipients and the age of the donor at the time of the gift. The issuing institution guarantees the income, as it becomes a legal obligation of the charity.
The opposite of a charitable remainder trust, a gift agreement that provides income to a charity for a term of certain years and the remaining principal either returns to the donor or a designee of the donor. There are four basic variations of this trust that provide different tax consequences and many other specific personal variations. The normal use of such a trust instrument benefits the donor by reducing potential estate taxes.
One of many trust documents whereby a donor, either during their life or by testament, establishes a gift with its ultimate beneficiary being charity. Family members or other charitable and non-charitable beneficiaries may receive income for a period of years or lives prior to the ultimate distribution.
One or more qualified charitable organizations who will be entitled to receive the assets remaining in the CRT, i.e., the charitable remainder, when the trust reaches its term. The charitable remaindermen must be named expressly in the trust document or pursuant to specific instructions and criteria contained in the trust document. See also qualified charitable organization.
The general term used to describe a separate trust arrangement between the donor and the trustee of the donor's choosing, the terms of which must conform to the 1969 Tax Reform Act that established this charitable vehicle. This trust may be either an annuity trust or unitrust (see separate definitions). This trust must have a charitable intent, is irrevocable and receives a partial income tax deduction in the year of the gift. It also produces income from the property transfer; and at the end of the trust, the remaining principal is distributed to the charity (thus the remainder defines what type of charitable trust). This trust allows the donor to choose their trustee, payout rate, term (number of years, life or lives or combination of the two), investment strategy, frequency of payment and who is the ultimate charitable beneficiary.
Provides a fixed dollar payment of at least five percent of the initial gift (by law). When the trust earns more than the annuity payment, the excess is added to the principal but does not affect the payment ever. If the trust earns less than the payout rate, the principal is invaded to make the payments to the donor.
Provides a fluctuating payment based upon a minimum percentage of five percent (by law) of the principal (valued annually) of the trust. There are three variations of this type of trust -- the standard, net income and net income with makeup. (THE) CODE: The Internal Revenue Code of 1986 as amended. This federal legislation is otherwise known as the federal "Tax Code" and deals with federal income, estate, gift and generation-skipping transfer taxes.
The trustmaker's agreement with the administrator to make additional contributions to the trust to cover any trust expenses that cannot be paid with existing trust assets.
A charitable gift annuity contract (see definition above) where the income is deferred until a specified time by the contract. A larger tax deduction is realized by this method.
See charitable remainderman.
A person who makes a charitable contribution outright to charity or to a trust for the benefit of charity.
A charitable fund that is usually held by an organization, such as a community foundation, where a donor may direct previously donated assets (usually only income) to be donated to and used by certain qualified charities. The donor generally has significant latitude in directing these funds, but the foundation must, by law, retain the ability to ultimately direct the funds.
A fund that is often held by an organization, such as a community foundation (but not always), where a donor (or designated person) retains the right to direct the funds to charities from certain assets that have been previously donated. Under this arrangement, certain tax implications may be encountered and there is considerable question as to the charitable nature of the gifts. There are a number of such fund variations that are currently under scrutiny by the IRS.
The flip trust initially establishes a NIMCRUT or NICRUT that received unmarketable assets which produce little or no income. Following the sale of the unmarketable assets, the trust would "flip" to a standard unitrust (SCRUT) and pay income to the income beneficiary based upon the stated pay-out rate. Occasionally, the Flip Trust may use other "triggering events" such as the death or retirement of someone to start the regular income flow.
Generally, the return in money or property derived from the use of principal. Examples include rents, interest, dividends, royalties and receipts from business operations. The definition of income for purposes of all types of split-interest trusts varies slightly from state to state.
See income recipient.
Special trustee who is totally independent of the trustmaker sometimes required in situations where the trustmaker (or persons who are related or subordinate to the trustmaker) will be serving as the primary trustee. Special trustees of this type are called independent special trustees. Independent special trustees are most often required for a CRT when the primary trustee will be the trustmaker or a party who is related or subordinate to the trustmaker and the trust will be funded with or otherwise invested in hard-to-value assets like real estate, deferred annuities or stock in a closely-held corporation.
A person who is entitled to receive unitrust amount payments from a CRT. Income recipients are typically natural persons, but they can also be any non-natural person recognized as a "person" by the Code. A corporation is an example of a non-natural person that could be named an income recipient. A charity can be an income recipient but only if there is at least one other non-charitable income recipient named.
During a person's lifetime, usually a directive that is made during one's lifetime -- such as an inter vivos trust or living trust.
The cumulative CRT bookkeeping account is which the trustee credits shortfalls in the trust's ability to make complete distributions of the unitrust amount and debits extra distributions of the unitrust amount and debits extra distributions of distributable income in years when this account has a credit balance and distributable trust income in excess of the annual unitrust amount is available. This account can also be called a deficiency account or an IOU account.
This is the unique language that goes into a NIMCRUT document that authorizes the trustee to make-up any prior years' shortfalls in distributions to the income recipients in subsequent years in which the trust earns net distributable income in excess of the annual unitrust amount.
The acronym commonly used to refer to a Net Income Only Charitable Remainder Unitrust.
The acronym commonly used to refer to a Net Income with Make-up Charitable Remainder Unitrust.
Was created by the 1969 Tax Reform Act and is a fund maintained by the charity in which all life income gifts are pooled for investment purposes, with income shared proportionally among the participants. Upon death of the income beneficiaries, the principal is distributed to the charity. Payment schedules are stated in the trust document that is issued by the charity, the language of which is prescribed by the IRS.
The property contributed to the trust, all or part of the income from which is distributable to the income beneficiaries, but the title to which will ultimately pass to the charitable remaindermen. The definition of principal for purposes of all types of split-interest trusts varies slightly from state to state.
See income recipient.
See trustmaker.
The acronym commonly used to refer to a Standard Charitable Remainder Unitrust.
An organization that is based on its close relationship to one or more public charities. It is an entity, either trust or corporation, that is operated exclusively for religious, charitable scientific, testing for public safety, literary or educational purpose, or to foster national or international amateur sports competition, or for the prevention of cruelty to children or animals, no part of the net earnings of which inure to the benefit of any private shareholder, or individual. No substantial part of the activities can carry on propaganda or influencing of legislation or political contests. It generally takes on one of three forms: parent-subsidiary, brother-sister or entrepreneurial.
At death, usually a directive that is triggered by the death of a donor via a will or trust document.
A fiduciary relationship in which one person is the holder of title to property subject to an obligation to keep or use the property for the benefit of another. A fiduciary is one who holds something in trust for another and is usually called the trustee. The property contributed to a CRT is held by the trustee in trust for the benefit of the income recipients and the charitable remaindermen.
The person who creates and funds a charitable remainder trust; also called a trustor, settler, grantor, donor or trustmaker. These terms are all used interchangeably.
The income recipients and the charitable remaindermen of CRT; referred to collectively as the trust beneficiaries.
The written and legally binding instrument that contains all of the attributes of a qualifying CRT. A CRT will not qualify for favorable federal income tax treatment unless it is defined in a written instrument that carefully conforms with both state and federal law. This instrument may be referred to as a Trust Agreement or Trust Declaration. The former term is typically used where the Trustmakers and the trustees are different people. The latter term is commonly used where the Trustmakers and the trustees are exactly the same people or entities. The trust document is a legal document that should always be prepared (or at least reviewed and approved) by the trustmaker's attorney before it is signed by the trustmaker.
The person who holds title to the trust property for the benefit of the income recipients and the charitable remaindermen (also called a fiduciary). Sometimes a trust will have more than one class of trustees, each of whom will have different duties and responsibilities. When different trustee classes are required, the trustee with primary responsibility for trust management and administration is called the primary trustee. All other trustees are called special trustees.
The period of time during which the trustee will hold the trust property for the benefit of the income recipients and the charitable remaindermen. If the trust term is based on individuals' lives, all of the individuals must be alive when the trust is created. Still it is possible that the term of the trust could be cut short by the happening of a qualified contingency, the possibility of which was foreseen by the trustmaker and specifically defined in the trust document.
The general term for a charitable remainder unitrust is a trust from which a fixed percentage, which is not less than five percent of the net fair market value of its assets, valued annually, is to be paid, not less often than annually, to one or more persons (at least one of which is not an organization described in IRC 170 and, in the case of individuals, only to an individual who is living at the time of the creation of the trust) for a term of years (not in excess of 20 years) or for the life or lives of such individual or individuals. Unlike the charitable remainder annuity trust, additional contributions to unitrusts are permitted.
The fixed percentage of the value of the trust assets valued each year on the annual valuation date, that must be paid each year to the income recipients from distributable net income, but only to the extent there is sufficient distributable net income to make a distribution.
1. Standard Unitrust - STANCRUT A unitrust is required to distribute an amount, at least annually, equal to at least five percent of the annual value of trust assets. In the event income and gain is not sufficient to make the required distribution, the trustee shall distribute corpus. This type of format is commonly referred to as a standard or "Type I" unitrust.
2. Net Income Only Unitrust - NICRUT Notwithstanding the general rule above, the trust instrument may provide that the trust shall pay, for any year, the lesser of the full unitrust amount or trust income (as defined in Section 643(b) and the regulations thereunder. This option is commonly referred to as an income only, net income or "Type II" unitrust. IRC 643(b) assigns to the term income what ever definition is provided in the governing instrument and applicable local (state) law. Income is usually defined to include interest, dividends, rents, royalties and the discount element of original issue discount debt instruments. Unless otherwise defined, and subject to state law, income does not include capital gain or corpus.
Regulations 1.643(b)-1 adds that any trust provisions which depart fundamentally from concepts of local law in the determination of what constitutes income are not recognized for these (federal tax) purposes. Therefore, the draftsman should always conform to local law, which is often contained in the Uniform Principal and Income Act.
3. Net Income with Makeup Unitrust - NIMCRUT If a net income option is adopted, the trust may also be designed to pay income in excess of the full unitrust amount to the extent the aggregate of amounts paid in prior years were (by reason of the income only exception) less than the aggregate of the fixed percentage amounts for such prior years. The trust can, in other words, make-up past deficiencies in prior years by paying out excess income earned in the current year. The concept is somewhat analogous to a cumulative dividend feature on preferred stock and is referred to as a net income with make-up or "Type III" unitrust. Net income and make-up provisions are available to charitable remainder unitrusts only. They are not available to charitable remainder annuity trusts or to charitable income (lead) unitrusts.


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New Products
Ede Development Enterprises, Inc. announced AccuRev, the only software configuration management tool that automatically tracks all aspects of software code changes without imposing any strict development rules or requiring any additional resources, special knowledge or effort. AccuRev's transaction-based database and hot backups guard organizations against data loss due to hardware, network and power failures. AccuRev is available on Linux (Intel and Power PC) and on several other platforms. The cost for a single-user license is $749 US and includes one year of support and updates.
Contact: Ede Development Enterprises, Inc., 350 Haverhill Street, North Reading, MA 01864, 800-383-8170, 978-276-3443 (fax), email@example.com, http://www.ede.com/.
Sybase, Inc. announced the industry's first mobile and embedded database for Linux, Sybase SQL Anywhere Studio. Sybase's Linux version leverages Linux's enterprise-class reliability and performance on low-cost hardware, such as work group servers, monitoring systems, edge servers or point-of-sale devices. SQL Anywhere Studio enables users to synchronize data seamlessly from enterprise servers and work group servers to laptops and hand-held computing and embedded devices. It is available for $399 US (one user) or $999 US (five users), and supports Red Hat Linux 5.1 and 5.2.
Contact: Sybase, Inc., 6475 Christie Ave., Emeryville, CA 94608, 510-922-3555, http://www.sybase.com/.
BuyPogo.Com now offers the reliability and power of the Linux operating system at an affordable price. In July, the company began offering the $299 Pogo and the $599 Pogo Pro through its web site. BuyPogo.Com is targeting the needs of consumers and small business owners who desire the reliability and value of Linux.
Contact: Agenda Technology Group, BuyPogo.com, 555 Bryant St., Palo Alto, CA 94303, 888-828-POGO, http://www.buypogo.com/.
Network Concierge Inc. introduced the industry's first build-it-yourself Linux thin-server (appliance) software for the small/medium SOHO, school and home network markets. The software provides an easy-to-install, easy-to-use, easy-to-administer browser-based graphical user interface, wizard and on-line installation guide. It can be installed on a spare/new, custom, standard or rack-mountable PC server to build a dedicated, single or multi-function, thin-server appliance that can be configured as a gateway, e-mail, file, print, web, proxy server, etc. Price is $99 US per network server license.
Contact: Network Concierge Inc., PO Box 1429, Framingham, MA 01701, 877-876-1169, email@example.com, http://www.nc4u.com/.
Cygnus Solutions unveiled Cygnus Code Fusion for Linux, the industry's highest performance, most complete Integrated Development Environment (IDE) for Linux developers. The Code Fusion IDE is optimized for the Intel2 architecture and integrates the C, C++ and Java3 programming languages with a robust graphical user interface. Built on top of GNUPro, Cygnus Code Fusion supports all major Linux distributions. It is priced at $299 US.
Contact: Cygnus Solutions, 1325 Chesapeake Terrace, Sunnyvale, CA 94089, 408-542-9600, 408-542-9699 (fax), email@example.com, http://www.cygnus.com/linux/.
Spatial Inc. and Tech Soft America (TSA) announced the availability of ACIS-enabled HOOPS/AFC from TSA. HOOPS/AFC is a commercial-grade application development framework which enables software developers to create high-performance 3-D modeling applications for Linux and other platforms. The framework of HOOPS integrates ACIS with several user interface toolkits, ensuring optimal design and rendering performance of applications built on these technologies. Please contact Spatial Technology for pricing.
Contact: Spatial Technology Inc., 2425 55th Street, Suite 100, Boulder, CO 80301-5704, 303-544-2900, 303-544-3000 (fax), firstname.lastname@example.com, http://www.spatial.com/.
Linux has become a key foundation for supporting today's rapidly growing IT environments. Linux is being used to deploy business applications and databases, trading on its reputation as a low-cost operating environment. For many IT organizations, Linux is a mainstay for deploying Web servers and has evolved from handling basic file, print, and utility workloads to running mission-critical applications and databases, physically, virtually, and in the cloud. As Linux grows in importance in terms of value to the business, managing Linux environments to high standards of service quality — availability, security, and performance — becomes an essential requirement for business success.
Sponsored by Red Hat
If you already use virtualized infrastructure, you are well on your way to leveraging the power of the cloud. Virtualization offers the promise of limitless resources, but how do you manage that scalability when your DevOps team doesn't scale? In today's hypercompetitive markets, fast results can make a difference between leading the pack vs. obsolescence. Organizations need more benefits from cloud computing than just raw resources. They need agility, flexibility, convenience, ROI, and control.
Stackato private Platform-as-a-Service technology from ActiveState extends your private cloud infrastructure by creating a private PaaS to provide on-demand availability, flexibility, control, and ultimately, faster time-to-market for your enterprise.
Sponsored by ActiveState
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Not seeing images in opera maiclient in received
Since the update I'm not able to see the attached pictures in received mails. Ex:IS this a bug or i have to enable something "new". (the setting of prefer plain text is disabled).
Opera version: 12
Platform/operating system: Windows 7 x64
Are you using IMAP or POP3? Pop
Which e-mail service are you using? ISP
This in a new problem in previous version it work correctly
Or, uncheck opera:config#Suppress%20External%20Embeds if you don't want to deal with remove images being blocked for everyone by default where you add exceptions.
"Ctrl + F12 -> advanced -> toolbars"
"Ctrl + F12 -> advanced -> shortcuts"
"Shift + F12 -> skin"
When upgrading, you might want to reset your toolbar setup, menu setup, keyboard setup and skin back to "Opera Standard" and then re-customize your toolbars. Then, you might want to also click the wrench icon on the mail panel toolbar and reset the mail panel to defaults.
That way, you can be sure you're using the newest entries and buttons etc. and not some old stuff that might cause problems.
I have tried all the options suggested, but nothing is working. Is there anything else I can do to get the images to show?
Opera version: 12
Platform/operating system: Windows 7 x64
Are you using IMAP or POP3? Pop
Which e-mail service are you using? ISP
(same as original post)
16. June 2012, 01:07:57 (edited)
I upgraded to opera 12 yesterday and I am having the same problem.
Just a blank box where the image should be + information like ...image .jpg at the top of the square
I tried the suggestion.... about opera:config#Suppress%20External%20Embeds
but it doesn't work.
Any other ideas?
Windows 7 ultimate x64
Opera 12 build 1467
i5 CPU
All was fine prior to the upgrade to 12.
Is this the same with the rest of you who have this problem?
Originally posted by paweaver:
It appears to me (with only limited testing) that the image doesn't show when i have 'Fit to Width' checked [Default Mail Settings - spanner at top of mail panel]. When i uncheck this, then the image is shown (after unchecking this, i have to move to a different email and then when i return to the original email with the image, the image is visible and seems to remain so from then on).
Is this the same with the rest of you who have this problem?
Yep that works for me too
Sitting here with the same problem (suppose it happened after Opera updated a few days ago).
I can't find the mentioned option at all!
Neither under the email settings button (spanner) menu nor anywhere under the Opera button menu or in the main menu bar options.
Can someone please be more detailed about where that option is supposed to be?
Not being able to see embedded images in received mail is not my only issue: it also applies to embedding images in new mails as well.
Before the upgrade I was able to "add image" and the image showed exactly where I put it, even when the mail still being written.
If I currently embed an image the image doesn't show up: it just shows a small rectangle with a word in it like "image" (in my case, Dutch, the word is "Figuur").
If I receive that email back I still see the replacing button (can use the RMB menu to open the image, though).
If I reply to the received back email then I DO see the images in the part of the email that contains the previous text and embedded images.
If I receive the reply back again the images have been replaced by those "buttons".
So as it looks now I'm not able to send or receive my own email with embedded images showing.
Originally posted by robertomuscia:
Sitting here with the same problem (suppose it happened after Opera updated a few days ago).
I can't find the mentioned option at all!
Neither under the email settings button (spanner) menu nor anywhere under the Opera button menu or in the main menu bar options.
Can someone please be more detailed about where that option is supposed to be?
Look at the bar above the mail window. Click the icon on the far right
You should see a dialog box with "mail layout" at the top
Look down the list and you should see a check box "fit to width"
Uncheck it
Hope that helps
- Cannot see images when authoring an email (only a box saying "Image" is shown)
- Cannot see images in incoming emails unless I choose "reload image"
Is this the right place to suggest a feature enhancement, now that you have the hood open on the email code? When authoring an email, I would like the ability to drag and drop an image into the message, as an alternative to using the "Insert" menu. The image should be placed at the cursor position. Possible?
22. July 2012, 12:47:44 (edited)
Funny thing, when I go to forward that e-mail the image does show!
I tried to send it back to myself, but the same thing (even though it showed in the "forward" process).
I have the view set to "expand message", but tried it without and no difference.
I never had the "Fit to width" option showing, but after including it in the toolbar it made no difference. (Fit to width has no effect anymore in page or print preview unlike V11)
Opera V12,
XP Pro w/sp3,
POP mail through Time Warner Cable and also through Verizon DSL. I'm now using TWC, but DSL is still available (just not using it).
No firewall, no blockers, DMZ through my router.
No wonder Opera continues to loose users.
Forums » Opera for Windows/Mac/Linux » Opera mail, chat and news


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I'm just starting my business, I have an idea for a game that I think will be very popular. Trouble is, I can't decide on a good name for it that fits and is memorable. So I want to do some market research. I'd rather do so cheaply as I don't have much starting funds for the business. (In fact one reason I want to find a good name for the game is so I can start a kickstarter project for it!)
I'd rather find a way to do it for free, but can budget up to about $500 for the research if need be.
What methods/services do you recommend to achieve this quickly and inexpensively? Is this possible or am I better off just picking any old name and going with it?


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I am an attorney who does a fair amount of personal injury litigation. I noticed the plaintiff's attorney took the verification on answers to new matter and also the verification on the complaint. Is that ethical?
Font Size:
Lawyers should not take the client's verification if they can avoid it
The Legal Intelligencer
February 26, 2013
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Wednesday, November 28, 2012
ROCHESTER, Minn. — Next week, more than 1,200 people from 25 countries are expected to attend the 8th Annual World Stem Cell Summit" in West Palm Beach, Fla., a gathering sponsored by Mayo Clinic. As those close to the science explore potential stem cell applications, many patients have questions about what stem cells are and how they are being used. Timothy Nelson, M.D., Ph.D., director of Mayo Clinic's Regenerative Medicine Consult Service, answers some of the most commonly asked questions about stem cells:
MULTIMEDIA ALERT: Multimedia resources, including a Medical Edge package, are available for journalists to download on the Mayo Clinic News Network.
What are stem cells?
Stem cells are the body's raw materials. These cells have the ability to renew themselves or change to become specialized cells with a more specific function, such as blood cells, brain cells, heart muscle or bone.
Where do stem cells come from?
How are stem cells being used to treat diseases?
Stem cell transplants, also known as bone marrow transplants, have been performed in the United States since the late 1960s. These transplants use adult stem cells. Thanks to new technology, researchers are exploring the use of stem cells to treat a range of conditions. For example, teams at Mayo Clinic are investigating the use of adult stem cells to delay or eliminate the need for some hip replacements. Adult stem cells are being tested to treat degenerative diseases such as heart failure. Stem cells from umbilical cord blood have been successfully used in clinical trials to treat cancer and blood-related diseases.
What does the future hold for stem cell therapy?
The use of adult stem cells continues to be refined and improved. Researchers are discovering that these cells may be more versatile than originally thought, which means they may be able to treat a wider variety of diseases, such as diabetes; heart, liver and lung diseases; neurological and bone disorders; hand, face and other injuries; and congenital anomalies.
Dr. Nelson and other Mayo Clinic experts are available to discuss current research and the development of new stem cell therapies.
Mayo Clinic is a nonprofit worldwide leader in medical care, research and education for people from all walks of life. For more information, visit MayoClinic.com or MayoClinic.org/news.
Journalists can become a member of the Mayo Clinic News Network for the latest health, science and research news and access to video, audio, text and graphic elements that can be downloaded or embedded.
Jennifer Schutz
507-284-5005 (days)
507-284-2511 (evenings)
Learn more about becoming a patient at Mayo Clinic in the Patient & Visitor Guide.
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Get it Right is a management consultancy with strong implementation skills focused on digital change. We develop our clients' online business, assisting our clients in creating a more profitable and efficient business via online channels. Our mission is to deliver practical solutions that lead to measurable success.
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We offer our clients strategy services: setting business goals for online business and a framework for management; implementation services: online execution, which is the hardest part, is our strength; and management services: ensuring that online actions constantly create the desired results.