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EPOD Announces Sale
June 30, 2006
RENO, NV–(MARKET WIRE)–Jun 29, 2006 — EPOD International Inc. (the "Company," "EPOD") (OTC BB:EPOI.OB – News) (Frankfurt:EDU.F – News), a developer of advanced energy management technologies and solar equipment and panel manufacturer, announces product sales of USD$669,200.EPOD announces that it has secured product sales totaling USD$669,200. As of June 28, 2006, the Company has received payment of USD$428,000 (Four Hundred Twenty Eight Thousand Dollars) on this order.
L. Mark Roseborough
EPOD International Inc.
"Safe Harbor" statement under the Private Securities Litigation Reform Act of 1995: Statements about EPOD's future expectations, including future revenue, earnings, and transactions, as well as all other statements in this press release other than historical facts are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. EPOD intends that such forward-looking statements be subject to the safe harbors created thereby. These statements involve risks and uncertainties that are detailed from time to time in the Company's filings with the Securities and Exchange Commission, including, but not limited to, the Company's 10-KSB for year ended December 31, 2005 filed on or about April 17, 2006, and incorporated herein by reference.
About EPOD: EPOD International Inc. is a leader in the development of advanced energy management technologies with real-world market applications. The Company's patent-pending 'Energy Pod' technology manages and manipulates electrical energy such that utilization of DC-electric battery power becomes significantly more efficient. EPOD's patent-pending and proprietary technologies are applicable to a wide variety of industries and applications, and are available through licensed OEMs and directly to end-users.
The Company's filings, including current financial reports, can be accessed through the EDGAR database at www.sec.gov.
For more information please contact:
Brett Walker
Telephone: (250) 807-2211
Fax: (250) 807-2212
Source: EPOD International Inc.Source: Yahoo

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|Copyright Softbox Development Lab © 2009, All rights reserved


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Physical Digital
Physical Digital Metrology apprenticeship
Apprentices who undertake the full training will become valuable measurement specialists within their organisations, with the ability to contribute significantly to the future of the Metrology industry and the UK economy.
The 3D optical measurement company, Physical Digital has given its input into the UK's first Metrology apprenticeship via the company's Managing Director.
Tim Rapley was invited to join a steering group to share his metrology and 3D scanning expertise as the Level 3 Apprenticeship was in development. The training course was led by the National Physical Laboratory (NPL) in conjunction with the Metrology Trailblazer Group, who lent on the advice of over 30 employers and key stakeholders in the field. The steering group set out standards for Metrology Technicians across a variety of industries.
As the UK's leading GOM optical 3D scanning metrology company, Physical Digital were happy to influence the standards of the first Metrology Technician apprenticeship. In particular, Rapley has a number of years' worth of experience in metrology. Before establishing Physical Digital in response to a demand from automotive for the high-accuracy data captured through 3D scanning, Rapley worked for McLaren Racing.
Offering his expertise for the Metrology apprenticeship is not the first time Rapley has looked to support future engineers. He has consistently demonstrated his support by offering work placements at his company, attending educational talks and providing 3D scanning and reverse engineering services for university teams taking in part in the annual Formula Student motorsport competition.
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The reason for these brand-new apprenticeship training standards is to ensure the training offered to engineering students is entirely relevant and beneficial to the future of the Metrology industry. It will also create more opportunities for those starting out in the Metrology industry and will help support the growth of the Metrology workforce nationwide.
Submitted in June 2016, the application for the Metrology apprenticeship has been approved by the Department for Education. Apprentices who undertake the full training will become valuable measurement specialists within their organisations, with the ability to contribute significantly to the future of the Metrology industry and the UK economy.
Founded in 2005, Physical Digital has offered its services in the areas of 3D scanning, quality inspection and reverse engineering to a variety of different industries. Using GOM ATOS scanning systems, Physical Digital provides highly accurate scan data in order to improve the quality of products, speed up the production cycle and reduce waste.


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Xlovecam brings you the best offer in terms of hot live sex shows between you and one of our models.The only thing our model has to do is to plug-in her webcam.You can chat with our online models or leave a message for cam models who are not online.In the convenience of the Internet, from your computer, you can chat with our girls and watch our amateurs who are all crazy to get naked in private sex cam shows for you.2. The word 'live' is an adverb it means 1.) a live broadcast ing or, 2.) a real time performance.Check it out now to see articles we've published, such as our list of Top 3 Best Roulette Chat Sites!
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About Middletown, DE From the Web…
"Middletown, Delaware, located about 24 miles south of Wilmington, is an early crossroads town, one of the old Delaware towns not on a navigable waterway. It was originally a tavern stop about half-way on the old cart road that extends across the peninsula between Appoquinimink Creek in Odessa and Bohemia Landing on the eastern branch of the Bohemia River in Maryland; thus the name, "Middletown.""
[from the Middletown city site]
"Middletown is a town in New Castle County, Delaware, United States. According to the 2010 Census, the population of the town is 18,871."
We serve the following cities:
Middletown, Smyrna, Brookside, Wilmington, Newark, New Castle, Wilmington Manor, Pike Creek, Elsmere, Dover, and Edgemoor, and Elkton, Aberdeen, and Havre de Grace in Maryland, and Bridgeton and Pennsville in New Jersey.
We serve the following counties:
New Castle and Kent, and Cecil and Harford in Maryland, and Cumberland and Salem in New Jersey.


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Do you recognize the accent of the woman sexily whispering into your ear? Yes, it's Australian, and it belongs to the one and only Angela White. Not only she describing everything you're going to get from her, but what she's going to do to you. You may or may not be Dow read more
Scene 1 – Angela White VR Porn Your boss, Angela, is flattered that you remembered her birthday and surprised her with a cake. She is a bit shocked however, when she finds you've included a dick pic in her card. Her shock quickly turns to lust when she decid read more
Caught Staring at Angela White's HugeBoobs VR Porn Angela White needs a place to sit at the coffee shop after ordering her double espresso, and you just happen to have an extra seat at your table. When she sits down, you can't help but notice her big tits bu read more


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Interesting Website Marketing Ideas To Help You Make Lots Of Money
Entering the realm of Website marketing can seem to be like a daunting task, particularly if the mind dwells around the global field of competitors you're joining. The true secret to marketing online is to learn how to make it. The subsequent content will provide you with a sense of how you can drum up business.
It is vital to have a client subscriber list. Have got a subscription page on the site, or ask people for their contact information whenever they purchase something. Either way, you can use this information later to deliver out sales information, offer promotional materials or to request for customer feedback.
To improve your ad clicks, place an image in your page that, when clicked, leads to a page that describes the product you might be advertising or selling. Use text that appears exactly like your article's fonts with the conclusion for each article. The result will never resemble an ad.
Use the necessary time to learn about web page design. You will discover a great deal of details about HTML and CSS online, or you could take a look at a book with the local library. Spending only a 30 minutes every day studying web page design can give you enough knowledge within a couple of weeks to operate on the site with confidence.
Every image that appears on your website must have its own caption. This text will capture the eye of search engines like google. They use algorithms to detect keyword text, so always employ captions that reflect this content of your article and images. Your site's pages will rise more quickly in the search engine results when your images include strong, relevant captions.
You should ensure you understand the solution to their inquiries. People visit an internet site seeking information, and when they do not receive the information they are looking for in your site, then odds are they is definitely not together with you long. Providing them the data that they desire will satisfy their curiosity and helps them trust you.
Blog many times per week to boost your web marketing attempt. You may inform customers by way of a fresh avenue by blogging regularly. Your blog is a good addition to your website Youtube Partner Program Overview It adds variety. The blog encourages individuals to visit your website frequently in order to see your new insights, anecdotes or stories. It can possibly help attract search engine listings.
Make sure your page contains information customers want. Build a website which offers accurate information and is very easy to navigate. Include articles, reviews and any other content that can help potential clients recognize that your business is of high-quality.
You should make your site stay ahead of competition. You'll need to make sure your site stands outside the rest to drive visitor traffic. The best way to make this happen is always to highlight all of the special services offered by your company.
Finally, remember focus is very important for Online marketing. As said previously, spending time on setting everything up makes a huge difference. By using these guidelines you will definitely get a boost in traffic aimed at your website and better sales..


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Annual weekend McMahon tournament in Belfast, Ulster.
Started in 2007 as a five round MacMahon tournament over two days.
Previously in 1992 the club had also ran its own event and it has also run a Belfast Handicap Tournament in January 2016 and is running this again in September 2018 instead of the MacMahon event.


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Yvonne Lefebure: Piano Recital
Usually available for despatch within 2-3 working days
Despatch Information
This despatch estimate is based on information from both our own stock and the UK supplier's stock.
If ordering multiple items, we will aim to send everything together so the longest despatch estimate will apply to the complete order.
If you would rather receive certain items more quickly, please place them on a separate order.
If any unexpected delays occur, we will keep you informed of progress via email and not allow other items on the order to be held up.
If you would prefer to receive everything together regardless of any delay, please let us know via email.
Pre-orders will be despatched as close as possible to the release date.
Label: Testament
Cat No: SBT1497
Format: CD
Number of Discs: 1
Genre: Instrumental
Release Date: 20th October 2014
WorksPreludes (12), Book 2
Barcarolles (13)
Nocturne no.13 in B minor, op.119
Valses nobles et sentimentales
Waltzes (15)
ArtistsYvonne Lefebure (piano)
WorksPreludes (12), Book 2
Barcarolles (13)
Nocturne no.13 in B minor, op.119
Valses nobles et sentimentales
Waltzes (15)
ArtistsYvonne Lefebure (piano)
In August 1962 Yvonne Lefébure was invited to take part in the Edinburgh Festival Debussy Centenary recital with Peter Pears. At this morning concert she accompanied Pears in the 'Ariettes oubliées' and 'Fêtes galantes', and preceded this with a performance of Book I of the Préludes. A critic noted that, Miss Lefébure has, in the past, proved that her musical sympathies are broad, but for Debussys piano music she has a special gift.
During August of the following year, Lefébure was again in the UK taking part in the summer music school at Dartington Hall in Devon, where her fellow pedagogues were Vlado Perlemuter, George Malcolm and Steven Bishop. Just prior to this, she recorded Book II of Debussys Préludes for the BBC.
Lefébure had been invited to perform Ravels 'Piano Concerto in G major' at the Proms on 14 August 1961 with the London Symphony Orchestra and John Prichard. It was her first appearance at Londons premiere summer music festival but she only made one further appearance, playing the same work in the 1965 season. While in London in 1961 she recorded a studio recital and this forms the rest of the programme on this CD.
Predominantly French repertoire again, Lefébure also included a group of fifteen Waltzes by Schubert in contrast to Ravels set of Valses. Her contact with Ravel would surely have coloured her interpretation of the Valses nobles et sentimentals which is played with Lefébures hall mark vigour and zest for life. She underpins the rhythms in the faster movements and always plays with clarity and transparency, even in the loudest passages.
As a young girl, Lefébure knew Fauré who said, She is born for Beethoven. Indeed, Lefébure had a great admiration for and understanding of Beethovens music as is evident in her interpretations and recordings of his Piano Sonata in A flat Op.110. One would imagine that her contact with Fauré led to some insights when performing the French composers music. She said of the Nocturne No.6 in D flat Op.63, It has always been in my repertoire, and I never fail to feel the emotion, or the admiration that a deep analysis of the work gives: how can you describe the enchantment of the passage in A major, where one would like to be a flute and harp at the same time, whilst waiting for the return of the two main episodes? And if the coda moves us this time, it is because of its calm and intimate poetry.
In the three works recorded here, Lefébure displays a perfect understanding of this music that is often impenetrable to pianists particularly the later works such as the rarely played Nocturne No.13 Op.119 published in 1922.
Lefébures noble convictions and interpretation of music were evident in every performance and masterclass she gave. For her, music was a living, breathing entity which she passed to her students and, fortunately for us, has been preserved in her recordings.
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Kresge Foundation and Second Nature Team Up To Bring Green Building Practices to Financially Challenged Colleges and Universities
TROY, MICHIGAN – Second Nature, a nonprofit organization advancing sustainability in the American higher education sector, has launched a new program, Advancing Green Building in Higher Education, to assist Historically Black Colleges and Universities, Hispanic-serving institutions, tribal colleges, and the U.S. Department of Education's Title III and V institutions to "build green" on their campuses.
With a three-year, $1.2 million grant from The Kresge Foundation, Second Nature will help these institutions learn about and use the financial and technical resources available to construct and renovate campus buildings in ways that save money, reduce negative health impacts, and serve as community models for environmentally sustainable construction. Forty fellowships will be awarded to senior managers from these institutions to facilitate this process; the application deadline is April 15, 2009.
"The timing of Kresge's grant could not be more beneficial," says Dr. Anthony Cortese, president of Second Nature. "With the Obama Administration making green building and green jobs a priority of the stimulus plan, this assistance will make sure these under-resourced colleges and universities participate fully in this national effort."
Buildings account for an estimated 40 percent of greenhouse gas emissions, a major contributor to global climate change. In the higher education arena, many institutions are constructing high-performance, healthy facilities that reduce or eliminate harmful emissions and waste. At the same time, these facilities increase quality of life and productivity for their occupants.
However, many religious, community, technical, minority-serving and state-supported institutions have fewer resources to spend on bricks and mortar projects, less in-house knowledge about green building, and limited opportunity to learn from schools that have excelled in green construction. Many are unaware that environmentally responsible construction can result in 10 to 20 percent annual energy savings over the long-term.
As part of the Advancing Green Building in Higher Education program, Second Nature fellowships will assist college and university senior managers in acquiring the skills and technical information they need to be effective champions for green building at their schools. College and university campus planners, facilities directors, and vice presidents of finance or business are eligible for the fellowships. As fellows, they will take part in learning and networking opportunities, such as the American College and University Presidents' Climate Commitment Leadership Summit and Greenbuild 2009. For more information about the fellowship program and how to apply by the April 15, 2009, deadline, visit Second Nature.
A portion of the grant funds will provide 100 under-resourced schools membership discounts to the Association for the Advancement of Sustainability in Higher Education, a network of more than 700 colleges and universities working to advance sustainability in higher education. Visit Second Nature for more information on the membership discounts.
Additionally, Second Nature will help train contractors who work with under-resourced schools on green building practices; offer regional summits for networking and information-sharing among under-resourced schools; create a strategy document examining the integration of green building into academic curricula; and work to develop a new funders' collaborative to support high-leverage projects to advance sustainability in higher education.
The Kresge Foundation is a $3.1 billion private, national foundation that seeks to influence the quality of life for future generations through its support of nonprofit organizations in six fields: health, the environment, arts and culture, education, human services and community development. In 2008, it awarded 342 grants totaling $181 million.
Second Nature is a Boston-based nonprofit organization that works to accelerate movement towards a sustainable future by helping senior college and university leaders in making healthy, just, and sustainable living the foundation of all learning and practice in higher education. Second Nature is one of the supporting organizations of the American College and University Presidents' Climate Commitment, which has been signed by more than 600 school presidents who are committed to eliminating carbon emissions on campus and training students to help society address the climate crisis. Second Nature also coordinates the Higher Education Associations' Sustainability Consortium. For more information about the Advancing Green Building in Higher Education program and Second Nature's other programs, visit www.secondnature.org.
For more information, contact:
Gina Coplon-Newfield, email@example.com, or call 617-571-4523.


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High efficiencyPublished 16/4, 2018 at 16:21
In late 2017, Finnish demolition contractor T. Mäkelä Oy was awarded a demolition contract to tear down a four floor concrete block building in central Finland. This comprised of 3,000t of 12mm steel rebar reinforced concrete, which initially required tearing down using concrete pulverisers.
The second stage of the process was to crush the resulting large concrete blocks to a fragmentation size of 0-80mm, which would be reused in road foundation construction. This was accomplished using a Viper bucket attachment. "Instead of traditional crushers we used a Viper slow moving drum crushing bucket to crush the concrete. We have experience of jaw crushers but we selected the Viper VPCH 21 crushing bucket because a number of reasons with its superb capacity and no daily maintenance helping us to keep the tight schedule," commented Mr. Kantola, the operator of the crushing bucket.
The Viper VPCH 21 is a one drum crushing bucket with a 40 rev/m, with its large 700mm drum with hard metal tips crushing the material to be processed against the counter teeth. Using the bottom grid, the crusher is able to reduce the fragmentation from standard 0-150mm to a minimum 0-60mm.
T. Mäkelä Oy's VPCH 21 was able to produce material at approximately 94tph, which Viper claim is double the production rate of conventional crusher buckets. As well as reducing the concrete, any 12mm rebar fell through the bucket apertures and did not cause any delays. In rare cases when the steel bar bent around the tooth, it proved easy to remove it by counter rotating the drum.


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Stone pelter mowed down by security forces' vehicle in Srinagar
The stone throwing started in the old city area of Srinagar after the encounter ended in Chattabal area in which three militants were killed.
"Their identities were being ascertained", the officer said. The police have not confirmed any casualties. He wrote on micro-blogging site, "Encounter concluded in Chattabal Srinagar". "The injured was shifted to a hospital", said the police.
Eyewitnesses said that tens of thousands of people marched with the slain militant's body while raising pro-freedom and anti-India slogans.
The report also mentions that Indian paramilitary personnel disgraced 13 women while 24 residential houses were destroyed, damaged and ransacked by the Indian forces during the month.
Officials said the terrorists opened fire on the jawans, who retaliated and eliminated three of them. At least 14 civilians were injured and one died after being brought to a hospital. "Necessary legal action involving the police vehicle has been initiated", police tweeted. However, CRPF PRO Rakesh Yadav refuted the allegation that the civilian was hit by a vehicle of the force. Police said they were investigating the death of the man killed in what they called a "road accident".
The twee said " Police has taken cognizance of the noorbagh road accident incident of today.
A video has surfaced showing a police vehicle swerving left and crushing a young Kashmiri stone-thrower under its wheels.
The incident took place in the morning in Noorbagh Chowk, less than a kilometer away from an encounter site in the Chattabal area where three Lashkar-e-Tayyaba militants were gunned down by security forces. Many schools have been closed and students sent home as a precautionary measure.
Authorities have suspended mobile Internet services in Srinagar district and also brought down the speed of fixed line broadband connections. Malik has been lodged in City's Kothibagh police station after the police picked him up from his residence at nearby Maisuma.
After several hours of fighting, five militants were killed and a policeman and a soldier wounded, claimed SP Vaid, police director-general.
Ghulam Hassan and his nephew, Bashir Ahmed were abducted from Shahgund village of Hajin area on Friday night. Police said at about 3:30 am, the terrorists shot both of them dead.


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There's a probably a good reason why otaku shouldn't take part in reconnaissance missions.
This exploration of the fanboy condition has been brought to you by Gate: Thus the JSDF Fought There! (ゲート―自衛隊彼の地にて、斯く戦えり/Geito: Jieitai Kare no Chi nite, Kaku Tatakaeri) – Volume 1 (June 25, 2012) by Takumi Yanai and Satoru Sao.
Tags: ゲート―自衛隊彼の地にて、斯く戦えり, Gate: Jieitai Kare no Chi nite Kaku Tatakaeri, Gate: Thus the JSDF Fought There!, Itami Youji, Kurata Takeo, Takeo Kurata, Youji Itami, 倉田, 伊丹耀司


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Pop Weight Loss Launches First Responders Support Promotion
Nationwide centers will offer police, firefighters and EMT professionals a free month of weight loss support and nutrional guidance
September 26, 2014 // Franchising.com // FREEHOLD, N.J. – Pop Weight Loss, the life-changing personal weight management solution noted by many to be "the last one you will ever need," announced today a first responders support program that offers one month of free weight loss and nutritional guidance to police officers, firefighters and EMT professionals.
"First responders work tirelessly to keep people safe and help those in need and we are grateful for their service. We want to help them enjoy healthier lifestyles by ensuring they are fit and feeling great as they continue to serve our communities," said Dr. Rebecca Cipriano, the acclaimed doctor of obstetrics and gynecology – with a master's degree in Clinical Nutrition – who founded Pop Weight Loss in 2008. "Many of these people, especially firefighters and EMTs, work on a volunteer basis. Their work is so commendable, we have decided to give back to those who help us in our time of need."
Pop Weight Loss provides healthy, lasting weight loss solutions through consultation and nutrition planning carefully designed for clients' unique lifestyles. The first responders appreciation program will be offered at all Pop Weight Loss locations, nation-wide.
"The Pop Weight Loss program worked with my unique and stressful work schedule to produce significant results. I have lost 53 pounds since January, and it feels like I've had a burst of energy," said Jeffrey Morrell, 43, a police officer in New Jersey and Pop Weight Loss client. "First responders tend to have inconsistent eating habits when they are on the run, but Pop created a custom meal plan with an exercise regiment that felt more like a healthy new lifestyle than a diet."
The Pop Weight Loss experience for clients includes an initial consultation to assess the unique needs of the individual. Then, tried-and-tested programs are implemented to help clients' meet their goals within their budget. Pop Weight Loss team members with advanced degrees in nutrition create customized weight management solutions for each client, factoring in food choice plans, exercise plans, dietary supplements and sample menus as part of a holistic solution. The Pop Weight Loss team members then remain in contact with clients on a weekly basis to track and encourage progress and redirect efforts if necessary. From personal to digital guidance, no stone is left unturned.
In addition to the Pop Weight Loss centers in Freehold and Colts Neck, New Jersey, Pop Weight Loss also has centers in Old Saybrook, Connecticut and Canton, Ohio.
About Pop Weight Loss
Founded in 2008, Pop Weight Loss is well on its way to becoming nationwide success. Noted as "the last weight loss program you will ever need," Pop Weight Loss focuses on improving the overall health of its clients by targeting the daily choices people make in their diet and fitness routine. Pop Weight Loss provides clients with lasting results through the unique, customized solutions tailor-made for everyone who walks through the doors. With one-on-one support during weekly appointments, phone calls and email check-ins, Pop Weight Loss team members with advanced degrees in nutrition help clients master a healthy and fit lifestyle, and keep the weight off.
For more information about Pop Weight Loss, visit www.popweightloss.com. To learn more about available franchise opportunities visit http://www.popweightloss.com/franchise or call (888) 373.THIN (8446).
SOURCE Pop Weight Loss
Media Contact:
Stan Golovchuk
Public Relations Associate
Office: 847-897-7491
Cell: 224-500-6738


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|Full name
Sign up for message boards
Vinamilk listed among Vietnam's top 100 best places to work
The assessment criteria listed in the Anphabe's website for participants to judge are: salary, bonus, welfare, opportunities for professional development, culture and entertainment, leadership, work and life quality, and company's reputation.
Amongst 1,000 companies in almost all different industries in Vietnam which were judged by more than 9,000 participants, Vinamilk ranked the first in terms of its salary, bonus, welfare and leadership while Unilever topped the list in terms of opportunities for professional development and the company's reputation.
The multinational corporations continued to be highly assessed and made up the majority of the Top 100 while Vietnamese companies' presence was still quite rare. In the Top 10, there were only two Vietnam representatives: Vinamilk and Vietcombank.
In 2013, Vinamilk's gross revenue reached VND 31,126.84 billion, increasing 16.2% compared to that of the same period in 2012. Its profit before tax reached VND 7,946.7 billion in 2013 which increased by 15.4% and its profit after tax was VND 6,472.09 billion which increased by 11.86% compared to that of 2012.
The top 10 corporations in the above-mentioned list from Anphabe's survey are the familiar well-known brand names which have also appeared in the recent ranking lists: Unilever, P&G, Vinamilk, Nestle, and Coca Cola. etc.
According to VTC News
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- Vinamilk donated VND 1 billion to contribute to the protection of the nation's sovereignty in the East Sea
- The environment festival: "Swap milk cartons for green trees"


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Jerusalem Urban Adventures
Daoud Manarious knows Jerusalem inside and out. He is passionate about the Old City, its monuments, and its people, and has devised walking tours to showcase his pride and joy. Don't be surprised if he is greeted by people every few metres while walking through the narrow streets of the Old City!


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We have been fortunate enough to have several guest speakers on campus lately.
Dr. Victor S. Limlingan Asian Institute of Management
Victor Limlingan is a well respected economics teacher at the Asian Institute of Management (AIM) in The Phillipines. During a brief visit to Vancouver, Dr. Limlingan gave two lectures to the APMCP faculty and staff on the 1997 Financial Crisis. Dr. Limlingan was full of humour and rivals Scott McLeod in The Art of Power Point. We will all line up like geese to hear him speak again.
Ron Martin RadarSat International
RadarSat's Director of sales took time out of a busy schedule to share his experiences about business in India and China. Mr. Martin was a great speaker and had no trouble answering the questions we threw at him. His company is a great supporter of our program and we all love to hear what is happening with RadarSat.
Jonathon Manthorpe Vancouver Sun
The well known foreign correspondant for a local newspaper was here to give us an update on current events in Asia. Mr. Manthorpe's knowledge of the region is vast while his understanding of local situations are insightful. This was a lesson in current history through the eyes that saw events take place.


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Tex-Isle is your dedicated partner. We are invested in delivering value to our customers now and in the future. We are able to make real time adjustments that are necessary in today's business environment.
We provide competitive pricing, comprehensive project management, technical and engineering support, all to deliver the most possible value to our customers.
Tex-Isle's most important goal is to continually provide innovative ways to deliver value to you. We provide technical consulting, quality assurance, and project management to enhance your purchasing process.
Our commercial professionals monitor the global steel market to provide our customers with the most intelligent solutions. They guide your product through the entire supply chain, including manufacturing such as heat treatment or preventative corrosion coating. Our job is to work for you: finding oilfield tubulars, for the right price, and the right turnaround time.


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If she is from Kaduna…
So these days marriage discussions have been a regular in my house, and tonight's was very wow! It took a new turn.
We had gone to visit a family whose wife is from Kaduna. While driving back, my mother started a conversation saying how awesome the lady was. She added that people from Kaduna always have good character and stay in their husband's house.
First time in history for my mum to recommend a tribe other than hers. And so my elder brother said he knows a lady at his office who was from Kaduna. I added, if she is from Kaduna…
…marry her!
'Boy, you need to go spend a weekend in Kaduna! Best way to pick a Kaduna wife.''Marriage is a sweet venture,' a lady I carried in the car the other day told me. 'Especially if you marry your own person,' she continued
By your own person, she means bone of your bone, and flesh of your flesh. That person who'll complement you.
She further advised that we married young so that our children will grow with us. The conversation was so fresh and she greatly encouraged us to marry as soon as possible. I was genuinely inspired.
And now, we hear it is happening in Kaduna!
Who will go with me to Kaduna?
Ike Amadi
Get the Do Something! book today! Click here to find out how.
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Money manager
Dodge & Cox grows on performance, PIMCO flow
Dodge & Cox is on a roll.
Assets under management at the San Francisco-based firm reached $270 billion as of Dec. 31, the highest in its 84-year history, company data show.
Net mutual fund inflows in 2014 were a firm-record $26 billion with 92% of that going into two strategies. Inflows into separate accounts were also up, but the firm could not provide those numbers.
In part, firm officials can thank the turmoil at Pacific Investment Management Co., Newport Beach, Calif., for the stellar year.
The $39 billion core bond fund, the Dodge & Cox Income Fund, garnered $13 billion in net inflows in 2014, data from Morningstar Inc. show. The firm also has $31 billion in separate accounts built on the strategy, $1 billion of which came in during the last quarter of 2014.
Its largest offering, the $64 billion international stock fund, took in $11 billion in net inflows in 2014, Morningstar data show.
While performance at both funds is strong, it's clear the Dodge & Cox bond strategy benefited from outflows at PIMCO, said investment consultant Michael Rosen, a principal of Angeles Investment Advisors LLC, Santa Monica, Calif.
Clients pulled more than $100 billion from PIMCO's Total Return Fund in 2014 because of performance problems and personnel changes, including the departure of William H. Gross, PIMCO's co-founder and co-CIO, who joined Janus Capital Group in September.
Morningstar data show the Dodge & Cox mutual fund garnered $7 billion — more than half of its inflows for 2014 — in the last three months of the year, after Mr. Gross' departure from PIMCO.
Investors who moved to the Dodge & Cox fixed-income strategy from PIMCO include the $1.2 billion San Luis Obispo County (Calif.) Pension Trust; the $835 million 401(k) plan of Parsons Corp., Pasadena, Calif.; the Yuma (Ariz.) Regional Medical Center's $24 million 401(k) plan; the $177 million West Palm Beach (Fla.) Firefighters Pension Fund; and $114 million 401(k) plan of GoDaddy.com LLC, Scottsdale, Ariz.
Dodge & Cox officials expect to pick up more separate account inflows in the next few months, noting many institutions still are in the process of finding a replacement for PIMCO.
But you won't find officials of the employee-owned value-oriented money manager bragging about 2014's inflows. (The core bond fund inflows ranked it fifth last year among the 1,365 peer fixed-income funds followed by Morningstar and the international stock fund ranked second among 1,145 international equity mutual funds.)
Dodge & Cox does no advertising and only limited marketing. It has no public relations staff.
That approach, is "very unique," Mr. Rosen said, describing himself as a fan of the way Dodge & Cox operates.
But it's the way Dodge & Cox has operated since its founding in 1930. Dodge & Cox Chairman and Chief Investment Officer Charles Pohl said the firm's philosophy is to focus on client investments.
"You have to ask yourself the question: Are you focused on investing the money for the benefit of your clients long term; is that what you're coming in and doing every day? Or are you thinking about marketing strategies or operational complexity, those other sorts of things?"
The key tenets of the firm's investment and management philosophy date to its founding: find undervalued investments, buying low and selling high.
66% institutional
Firm officials say 66% of total assets under management are institutional. Dodge & Cox offers six mutual funds, three of which have separate accounts associated with them. The firm also offers institutional-only fixed-income strategies that are not connected to a mutual fund.
Dana M. Emery — the firm's CEO, president and director of fixed income — said that for "simplicity," key products such as the international stock fund offer no separate accounts. She said using mutual funds has allowed the firm to keep administrative costs low and pass along those savings to investors.
While the firm offers some separate accounts, Ms. Emery said a decision was made that newer offerings, such as the international stock fund which was launched in 2001, would be offered as stand-alone funds only.
Having too many investment products would get "unwieldy," she said, adding Dodge & Cox wants to stay foremost an investment firm run by investment professionals, "rather than creating products for the supermarket of investment vehicles."
Dodge & Cox officials on Jan. 5 announced they had closed the $64 billion international stock fund, its largest offering, to new investors. "We want to tap the brakes on the fund's growth," said Diana S. Strandberg, Dodge & Cox's senior vice president and director of international equity, in an interview. If the fast pace of inflows to the fund continued, it could impair fund managers' stock picking, she said.
Performance for both the international stock and core bond funds has been strong overall.
The Dodge & Cox Income Fund slightly underperformed the Barclay's Aggregate Bond index, its benchmark, in 2014, but outperformed for the three- and five-year periods ended Dec. 31, Morningstar data show.
For the 12 months ended Dec. 31, the Dodge & Cox fund returned 5.4% compared to the benchmark's 5.9%. But the fund returned a three-year annualized 4.6% vs. the benchmark's 2.6%, and a five-year annualized return of 5.1% vs. 4.4%.
The international stock fund had a 0.08% investment return in 2014, significantly outperforming its benchmark, the MSCI All Country World index, ex-U.S., at -4.9%, according to Morningstar data. That put it in the ninth percentile of similarly rated funds.
For the three years ended Dec. 31, the fund's annualized 15.2% return topped the benchmark's 11.06%; for five years, the fund returned an annualized 7.8% vs. 5.3%.
The fund drew large inflows because of its investment performance, said Gregg Wolper, a senior analyst with Morningstar in Chicago. Portfolio managers bought stocks in recent years that have been out of favor, he said, like those in the pharmaceutical industry where there was investor concern about the lack of new drugs in the pipeline.
The growth at Dodge & Cox is a dramatic reversal from the depths of the financial crisis, when its value-oriented portfolio managers favored financial stocks like AIG, Fannie Mae and Wachovia Corp.
Dodge & Cox had $235 billion in assets under management at the end of 2007; 15 months later, on March 31, 2009, assets had plummeted to $126 billion, its low point.
"Up from the ashes'
"It's an up-from-the-ashes story," said Donald Putnam, a managing partner in San Francisco with investment bank Grail Partners, and an observer of the asset management scene. Mr. Putnam said that despite the asset losses, investment personnel held to their fundamental, team-oriented investment process. "They've shown that self-discipline and focus really matters," he said.
Mr. Wolper said the philosophy did create some problems for Dodge & Cox during the crisis.
"They were following the strategy of buying when things were low; they bought into the banks and the insurance companies in the middle of the crisis, and some of the usual (immediate) bounce back did not happen," he said.
But Dodge & Cox officials learned lessons from that, said Ms. Strandberg. One change made, she said, was to charge at least one member of each strategy's investment committee to make the case against buying any particular security, to further the debate over which securities to purchase.
But top executives say the key premise of buying undervalued securities low and selling high has not changed. "We stuck with our philosophy and our investment strategy that served us well for decades," said Mr. Pohl.
One thing is certain — the stability of Dodge & Cox would never be threatened by the departure of one portfolio manager. The firm emphasizes a team approach, and big egos don't make it inside the firm's office.
"That's one of the things that we try to screen for while we're hiring. There are some people that have a need ... to have the spotlight on themselves, and those are not the people we're going to have working at Dodge & Cox," said Mr. Pohl.
The firm doesn't launch new strategies very often. Its global bond strategy opened May 1, 2014, Mr. Pohl said. Before that, the newest strategy was the international stock fund, in 2001.
Ms. Emery said "we want to be very careful and gradual in terms of how we grow." n
This article originally appeared in the January 12, 2015 print issue as, "Dodge & Cox grows on performance, PIMCO flow".


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Here is Eric. He is not a "oh-just-like-my-neighbour" type of boy at all. He is a master pâtissier and he lives up to the expectations as such :)
Probably, he was the boy in the public school whose English was not understood by anyone, since he is French, and his arrogance made him the perfect target for school bullies. But Eric is not the type of guy who would allow himself to be bullied, he would say 'ow dare they' and would walk off to the nearest patisserie to get the sweetest, coolest, most fashionable cake for himself and then a haircut.
So, let me introduce you Eric Lanlard, with his latest series on television. He is very bad with the cameras, not able to make any convenient small-talk with his guest, but still...I am watching him every day!
Reason being, that he is over-confident with his cakes and dessert (must be since he was trained at the Roux brothers), he is making fancy cake decorations that even the chockywockydoodah would be envious with and last but not least his English is funny. Oh, and he is showing some quick bakes, which I tested and proved to be really quick, really! :)
So, here it is a cupcake from Eric's kitchen, which a bite. Lovely light sponge, and creamy yummy frosting. You will see what I mean!
Mexican chocolate Cupcakes:
175g flour (85g low-carb, 90g graham for me - sieved)
1 tsp bicarb
1tsp cinnamon
1/4 tsp ground nutmeg
1 pinch of cayenne pepper powder
1 pinch of salt
225g caster sugar (175g I dared...not more)
4 tbs cocoa powder (unsweetened)
1 splash of white wine vinegar
5 tbsp vegetable oil
1 tsb vanilla extract
250 ml water (I needed to add 100 ml milk too)
Combine the dry ingredients with the wet (the raw pastry must be runny, don't worry it is normal). Portion out to the papered cupcake tin, and bake in the 180°C pre-heated oven for 20-25 minutes.
While it is baking in the oven prepare the frosting.
150g sieved icing sugar
150g butter (on room temp)
100g melted dark chocolate
1 pinch of cayenne pepper powder
Combine the sugar and the butter with a spatula at first, then use your electric mixer to cream. Once light and fluffy add the cooled but still runny dark chocolate and the cayenne. Combine then put in the fridge for 20 mins, or at least till the sponge cools down.
Decorate to your liking!


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Important points about housing affordability ratios:
The housing affordability statistics are derived from House Price Statistics for Small Areas (HPSSAs), which provide the median and lower quartile price paid for residential properties in England and Wales, and earnings data from the Annual Survey of Hours and Earnings (ASHE), which provides the median and lower quartile gross annual full-time individual earnings.
These housing affordability statistics were formerly produced by the Department for Communities and Local Government (DCLG). The method used to produce the statistics has been developed to include a new, agreed definition of housing affordability. This means that these statistics are not directly comparable with the previously published DCLG statistics, but the entire back series of housing affordability statistics (beginning 1997) has been revised in this publication to enable comparisons over time on a consistent basis.
There are 2 sets of housing affordability ratios in this publication. One is derived from earnings based on employees' place of work and the other is derived from earnings based on employees' place of residence. Workplace-based housing affordability ratios are the main measure of housing affordability, and provide an indication of how affordable it is to purchase residential property in the same area as an employee works.
HPSSAs can be revised quarterly, but the annual affordability ratio statistics will not be revised to reflect each quarter, but instead the entire back series will be revised annually as part of each new release.
The house price data used in the affordability ratios in this release are based on the HPSSA data published in March 2017.
Housing affordability is calculated by dividing house prices by annual earnings. House prices are taken from the House price statistics for small areas (HPSSAs) and refer to the price paid for residential properties in England and Wales. Earnings data are from the Annual Survey of Hours and Earnings (ASHE) and refer to median and lower quartile gross annual earnings for full-time employees.
Housing affordability ratios are derived from annual earnings data where available, but annualised weekly earnings are used when annual earnings are not available from ASHE. Workplace-based earnings refer to the earnings recorded for the area in which the employee works, whereas the residence-based earnings refer to the area in which the employee lives. All earnings in both datasets refer to gross full-time annual earnings where available.
Housing affordability ratios derived from annualised weekly earnings are comparable with affordability ratios derived from annual earnings, but can be relatively unstable over time and across areas because some areas have a greater number of seasonal employees than others. This can affect the median earnings data at different points in the year. Therefore, care should be taken when comparing a housing affordability ratio derived from annual earnings against a ratio derived from annualised weekly earnings.
The earnings data from ASHE provide a snapshot of earnings at April in each year. The house price statistics from the HPSSAs report the price paid for residential property referring to a 12-month period with April in the middle (year ending September). The smallest areas for which statistics are presented are local authority districts, of which there are 348 in England and Wales. The largest area available is England and Wales overall. Other geographies for which statistics are published in this release are English regions and counties.
These housing affordability statistics are used by housing policymakers including central and local government. In particular they are used for assessing local housing needs and in the creation and monitoring of local housing plans.
The full Quality and Methodology Information report for Housing affordability in England and Wales will be published shortly, in the meantime please contact firstname.lastname@example.com for further information.
Download this methodology
- Housing affordability in England and Wales QMI (130.7 kB pdf)


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Altinkaya Holiday Village Review - 41 of 50 Reviews
This is a hotel review for Altinkaya Holiday Village in Kyrenia, North Cyprus
"A good budget base"
First time to North Cyprus and was put onto the Altinkaya by Go North Cyprus , it's in a quiet location , lovely gardens , staff hyper friendly, and though clean accomodation a bit basic, we stayed in the Garden Bungalows.nice large sitting area with sleeping area upstairs, all open plan though.
Couple of Bars /restaurants and shops within 5-10 Minutes walk, suited our needs for a relaxing week
Liked — tranquillity , amenities close to hand
Disliked —
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- Value
- Rooms
- Location
- Staff
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Reviewer Details
- Name: Edward Tomlinson
- Location: Selsdon, Surrey
- Review Date: Oct 21, 2016
- Date of Stay: October 2016
- Travelled With: My wife


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Agrocorp Processing was launched in Canada in 2012 and now has 4 high speed loading & cleaning processing plants across Canada. We have put together an experienced team across 5 locations, with our Canadian HQ in Moosejaw, Saskatchewan and a marketing office in Vancouver.
For more information on our Canadian Operations: http://www.agrocorp.ca
With a handling capacity of 150,000MT per year, Agrocorp Processing's flagship plant in Moose Jaw, Saskatchewan is the largest of our 4 plants in Canada.
The plant has rapidly expanded to meet the increasing demand for the high-quality pulse crops grown in southern Saskatchewan, having undergone an expansion to increase the plant's receiving capacity by installing 8 new bins, which works up to an additional 2160 metric tonnes. Along with the increased storage capacity, new handling equipment was also added to reduce the stress on our pulses during the handling process and in turn enhancing quality control.
The Falher AB site plant which currently is able to handle up to 75,000MT per year, went through an expansion providing for 1200MT of additional storage, complete with an improved handling system in August 2016.
The new system, despite its robust build is extremely gentle on the product it handles. The new top grain loop turns very slowly and the storage bins are smooth walled with internal ladders, for minimal product contact when accessing the bin. The bottom drag now moves a larger quantity of product at a slower speed with exceptional capacity in the delivery leg to the rail cars.
The Innisfail plant has a storage capacity of 4,000 MT and has a handling capacity of 80,000MT per year. It has 30 rail car spots and lies in close vicinity the Canadian Pacific railway lines. After 2 phases of expansion the facility now has new conveyors, a high capacity shipping leg and loading bridge along with 5,000mt of additional storage as well as a cleaning house with air/screen, gravities and colour sorters.
The plant is currently undergoing another expansion, which will double the size of staff and handling capabilities along with providing better marketing opportunities for local producers.
Situated in the heart of the pea country, Agrocorp's Cut Knife plant has also seen a bevy of construction activity. In July 2016, Agrocorp started a new construction to upgrade the handling systems across the entire plant facility. Everything from the bins to the tracks got an overhaul. A new catwalk with drags was installed on top of 4 large bins, the receiving leg was reduced by 40 feet to minimize overly aggressive handling. We also now have 2 spouts coming off the main leg feeding the drag to all bins.
A full upgrade to an electronic bin allocation system ensures that handling is minimized and loading is exact. The cleaner has also been rebuilt and upgraded to ensure our products from the Cut Knife plant keeps up to the Agrocorp grade of quality.


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On November 5th, we joined key community development stakeholders, thought leaders, nonprofit partners, and friends at the City First Community Development Finance Conference.
The focus of the day-long summit was equitable economic development East of the River. We discussed the challenges and opportunities related to housing, workforce development, and small business enterprises that are impacting DC's neighborhoods in Wards 7 & 8.
A highlight of the conference was the panel discussion on the 11th Street Bridge Park Equitable Development Task Force, during which Bridge Park's finalized Equitable Development Plan was publicly released.
For the past year, Bridge Park's Equitable Development Task Force has held meetings with community members and stakeholders, government officials, business owners and policy experts.
Together, we identified actionable recommendations that the Bridge Park and its partners can take in three areas – Workforce Development, Small Business Enterprise, and Housing.
The goal of the Equitable Development Plan is to ensure that the park is a driver of inclusive development – development that provides opportunities for all residents regardless of income and demography.
As noted in the plan, pursuing equitable economic development means that the 11th Street Bridge Park is not only committed to working collaboratively, but also to changing the narrative of how development typically takes place.
The Task Force has already achieved some early affordable housing wins:
- Bridge Park will devote $10,000 per unit in down payment assistance for 3 affordable townhomes being developed near Bridge Park by LISC's long-time partner Manna. See Housing Strategy #2, Recommendation #1 on page 13.
- Bridge Park will fund a new chapter of Manna's Home Buyers Club (HBC) to be located within the Bridge Park Impact Area. Over the past 29 years, Manna's HBC has prepared many low- and moderate- income households to become homeowners in the District. See Housing Strategy #2, Recommendation #2 on page 13.
LISC DC is proud to have provided intensive technical assistance to Bridge Park throughout this effort, assisting in the development and program management of the task force and plan, as well as providing data analysis and mapping along the way.
As the implementation phase begins – the exciting part! – we will continue to play an integral role in Bridge Park's equitable development work. Look out for more updates on the status of the park and the accomplishments of the 11th Street Bridge Park Equitable Development Task Force team in the near future!


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Practice Makes Perfect French Reading and Comprehension
|Annie Heminway
|Practice Makes Perfect Ser.
|Annie Heminway
|Practice Makes Perfect Ser.
Immerse yourself in French readings and build your comprehension skills
Using authentic texts from French-speaking cultures, Practice Makes Perfect: French Reading and Comprehension enables you to enhance your vocabulary with new terms and expressions. Each unit features authentic French-language material--newspaper and magazine articles, websites, and more--giving you a real taste of how the language is used, as well as insights into the Francophone culture. Word lists and grammar sections specific to the readings support your learning along the way.
Like all Practice Makes Perfect workbooks, you will get plenty of practice, practice, practice using your new skills and vocabulary. Whether you are learning on your own or taking an advanced beginning or intermediate French class, Practice Makes Perfect: French Reading and Comprehension will help you build your confidence in using your new language.
Practice Makes Perfect: French Reading and Comprehension helps you:
Annie Heminway teaches grammar, creative writing, translation, African cinema, and classic and Francophone literature at the SCPS of New York University. She was awarded the Chevalier de L'Ordre des Palmes Academiques by the French government in recognition of her work in promoting the study of French. She is the author of more than ten books on the French language including Practice Makes Perfect: Complete French Grammar and French Demystified. She is a native of France.


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Adapted from simplegreensmoothies.com 1) Blend in stages to avoid leafy chunks. [I personally think this one is the most important!] Chewing your green smoothie is no fun! To get a "smooth" green smoothie experience, blend up your leafy greens and liquid-base first. Then add your remaining fruits and blend again. 2) Follow the 60/40 formula. When... Continue Reading →
How To Make A Smoothie
via Super Skinny Me
Marcus' Favorite Smoothie Recipe
via Marcus Edwardes - AVAC Now, there is nothing better, after a long ride or a hard Spin, than a delicious and healthy home-made smoothie! I wanted to share a very simple recipe with you, it's my favorite smoothie of all time! I've been making this smoothie for years and my wife and 8 year... Continue Reading →
15 Surprisingly Creative Vegan Smoothie Recipes
via Leonora Epstein - BuzzFeed 1. Chocolate Raspberry Fig Smoothie cookrepublic.com Oh YUM. Figs? In a smoothie? Yaaass. Cook Republic's recipe also includes cashews, paprika, and maple syrup. Intrigued? Get the full recipe here. 2. Vegan Piña Colada Smoothie foodiewithfamily.com This is one of those genius ideas that makes you go, "Why didn't I think of that?" The... Continue Reading →
Pina Colada Smoothie
via Cooking Classy Ingredients 1 cup Almond Milk Plus Protein, divided 1/4 cup quick oats 1 (5.3) oz Vanilla or Strawberry Nonfat Greek Yogurt 1/2 overripe banana, chilled 1/2 cup diced fresh pineapple, chilled 1/4 tsp coconut extract 5-6 ice cubes Directions In a large microwave safe bowl, combine 1/2 cup Almond Milk with 1/4... Continue Reading →
Easy Blueberry Pie Smoothie
via Healthy Mama Info Yield: 2 glasses (1-2 Servings) Prep: 5 mins Ingredients 1 cup Blueberries 2 Bananas sliced and frozen 1 cup Almond milk 1 handful Raw almonds Instructions Blend all ingredients until smooth.
Green Smoothie Formula
via A Life Balanced
Green Smoothie
Via Gaiam Life Smoothies are a great way to get a bunch of the nutrients you need into your diet. You can use frozen fruit instead of ice to add more flavor! Also, add your favorite protein to make it a complete meal. Here is a great dairy-free green smoothie recipe: Green Smoothie Try your... Continue Reading →


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For some it is their very first time, and others are maybe just not 100% sure on how to install WordPress from within there Cpanel hosting.
Once you see it once, It is simple when you know how…
In todays video I step you through the process of installing WordPress onto your domain within your Cpanel hosting using the script installer.
In this video we have the softalicious script installer, and you will find most cpanel have either a direct installation for WordPress or using the softalicious installation app.
You have three possible places you can install WordPress
- Root of your domain
- A Sub directory
- Or within a Sub Domain
For the installation portion – It is the same process if you want to install WordPress into the root of your domain (the base .com), a sub domain (such as member.yourdomain.com), or even within a sub directory (youdomain.com/blog).
To install into the root of your domain
This is the easiest place. You simply go into the WordPress installer, follow the wizard, set your login details and let the script run and add WordPress.
Installation of WordPress into a sub directory
This is pretty easy to do, although you have an additional step to take when installing. What you have to do is look for the section where you tell the installer to create a sub directory and install your instance of WordPress into there. This is perfect for the /blog extensions.
To install within a sub domain
Here you need to ensure you have firstly gone and created a sub domain within Cpanel, and once you have created this – you can then find your sub domain listed within the URL lists/dropdown within the installation process when you are looking to install WordPress into that folder.
If you follow the above video you can see where I point out the different areas of interest, and it is down to you where you want to install your instance of WordPress.


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A Hobsons Bay environmental group that makes reusable cloth bags has criticised Coles supermarket for its plastic bag stance.
Hobsons Bay Boomerang Bags has moved its box filled with material bags out of the Altona Coles into Altona IGA supermarket, less than 300 metres away.
Coles and Woolworths removed single-use plastic bags on July 1 but said they would hand out free reusable bags until August 1.
Coles then said it would hand out its plastic 15 cent "Better Bags" for free until further notice, before doing another backflip and announcing a new cut-off date of August 29.
Boomerang Bags member Sharon Walsh, who is also Altona Village Traders Association's liaison officer, criticised Coles for its actions.
"They've kept the plastic bags because they've caved in for a minority," she said.
"They've now got their plastic bags … people are walking around advertising Coles."
A Coles spokesman defended the chain's extension of time for handing out free bags.
"We want to do everything we can to help all customers, and there are some who have found it difficult to get into the routine of bringing their own bags or knowing how many they need when they shop," he said.
Boomerang Bags can be found at various locations including Altona's IGA supermarket, Hobsons Bay Civic Centre, Williamstown library and Replenish health food store.


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You're locked in a beautiful room and found a sweety dog,you must find some useful objects to use them resolve some puzzles to escape.Good luck
en, escape, house., point and click, puzzle
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We know that we will die one day but we will not know exactly when and under what circumstances we are going to die. Being in the insurance business for over 20 years, I have seen some people left either little or no money behind for their family. Far too many men and women are financially unprepared for the day they meet their Marker because of procrastination, fear and ignorance about life insurance and estate planning.
I know that many people do not like to talk about insurance and estate planning. Yet insurance and estate planning are two of the most important aspects of financial planning.
Proverbs 13:22 talks about good people who will have wealth to leave to their grandchildren. One of the best ways to achieve that is to have the proper amount of life insurance and do adequate estate planning.
We all do not like to talk about death and yet 100 percent of all people born today will eventually die.
Therefore you need to plan so as to ease the burden on your family when you make the transition.
There are four areas:
- Estate planning.
- A will or a living trust.
- Life insurance.
- Financial records.
Estate planning is not just for the rich but for everybody. Estate planning helps us to determine who get to keep our assets or estate. I will give you some general guidelines about insurance and estate planning. However, since this is a very complex area and each individual situation is unique, I recommend you seek wise and professional counsel before taking specific implementation steps. It may require input from tax attorney, life insurance agent or financial planner, banker and lawyer. I simply want to get you started in the process.
Life Insurance Planning
Why insurance? The basic purpose of insurance is to transfer the risk that one is not willing to take or unable to take to the insurance company who is willing to take the risk in return for compensation or premium payment.
The objective of life insurance is first, to protect the family income and net worth growth in the event of the death of the breadwinner and second to provide protection to maintain the estate (house, car, property) in order that it might pass on to the heirs.
Buying an insurance is not a shifting of trust from God to insurance. If anyone does not provide for his relatives, and especially for his immediate family, he has denied the faith and is worse than an unbeliever. Insurance helps to give your family the opportunity to continue to live in a proper environment. ~ 1 Timothy 5:8
How much do I Need?
There is no one-size-fits-all solution, because the greater your financial need, the more life insurance coverage you require. Most people need enough life insurance to cover five to ten times their annual salary. This method is pretty simplistic because it does require you to address any specific insurance need such as education funding. You can explore another method that is based on a person's financial needs that involves determining the expenses you need to cover.
Some of these expenses will include funeral expenses, income replacement, education funding, pay off of any outstanding debts and taxes.
With this method, you should also minus all other assets that you have accumulated to calculate your insurance coverage.
- Should I buy a term or whole life insurance?
Term-life insurance protects you for a specific term with no cash value. With whole life plan, the policy does not expire after a set period of tie. As long as you pay the premiums, the policy remains in effect. Sometimes, you need to buy a mix of both. Whichever you choose, you have to consider cost, coverage and complexity.
- Is it wise to have all my life insurance through my employer?
No, it is not wise to have all your insurance through your employer. The reason being you may leave or get fired from your job or you may want to have additional policy to protect your insurability. If you develop an illness such as cancer, finding affordable insurance or any at all will be difficult.
- Is there any other insurance cover that I need?
- Your health is the top priority. With advancements in medical science, treatment is available for a wide range of ailments and illnesses. However, treatment cost money and healthcare cost are expected to rise substantially in the future. Have you provided for such expenses?
Buying a critical illness protection plan will give you financial support for the treatment of critical illness even in the early stages. Some of other plans also cover protection against critical illness, total and permanent disability and loss of life. There are other standalone hospitalisation income plans, such as one that provides you with daily cash for each day of confinement in a hospital due to sickness or an accident.
- You may also like to explore buying a disability insurance. This is essentially pay check protection. If you are sick or injured and cannot work, disability insurance replaces up to 70 percent of your income.
It allows you to pay most of your bills. Please also consult your insurance advisor for your detailed planning.
- What four areas do I need to look into in my planning?
- Why is it important for me to buy insurance?
- How much do I need?


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Stephen Yee
Stephen holds a B. Comm. from the University of Saskatchewan. He has a corporate communications and graphic design background and works with AltaGas, Lentils.org, Canpotex, Great Plains College and the Saskatchewan Teachers' Federation.


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Update 3-27-07 I have been getting alot of questions about the engine. I have two books that say it is a 242. However one man asked if it is a E223. I found stamped on the side of the block it says E223A. The manifold says 242. I would suspect that it is a 223 but I can't say for sure. I hope this helps everyone.
(Massey ferguson 85 tractor restored 62 hp no was posted and is owned by: Ramona Oneil)
firstname.lastname@example.com (Ramona Oneil) for more information.


text: There is a lot of advice out there to help people with their home improvement projects. Lots of tutorials, books, and guides are available. This article will give you some wonderful advice on how you can do your renovations the correct way. Glue your wallboard in place before nailing it! A caulking gun and the right adhesive makes quick work of the job. The advantages of quicker installation are obvious. Another advantage is fewer nails. Furthermore, the glue holds the wallboard tightly in place and the nails you do use…Read More