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Wilson Insurance was established in 1930 as a small one-person operation in downtown Fredericton, New Brunswick selling life, auto, fire, business and home insurance. Today, it is one of the province's largest brokerages, offering a broad array of insurance products and risk management solutions to commercial and personal lines clients throughout Central New Brunswick. While the business has grown in stature and size, Wilson Insurance still maintains a family ownership with David J. Wilson as President.
With a 50/50 split in premium volume between personal and commercial lines respectively, Wilson Insurance sought to overhaul its paper-based file management system for business insurance clients. It wanted an electronic commercial solution that would integrate seamlessly with its broker management system: The Agency Manager (TAM). It was also eager to provide its 14-member commercial team of account managers and account executives with a user-friendly, consistent and efficient application. Wilson Insurance signed on with Policy Works in 2006.
Up until three years ago, Wilson Insurance's commercial insurance department had bulky file cabinets full of paper-based files that served as the brokerage's organizational base for business clients. A management decision to revamp how the brokerage handles commercial accounts signaled the end of hard copy storage and a new era of online, multi-user access files available at the click of a mouse. That decision brought the Policy Works commercial insurance solution to Wilson Insurance.
"Needless to say, we no longer have file cabinets or hard copies of commercial files," says Charlene Worrall, Commercial Account Manager for Wilson Insurance. "There is a little more space around here."
If we have any questions, it is just a matter of picking up the phone or sending off an email. We get answers very quickly.
Charlene Worrall, Commercial Account Manager
A bit of extra elbowroom is not the only advantage that this commercial solution brought to the brokerage. "One of the main benefits of Policy Works is consistency," notes Worrall. "All information is entered in the system the same way, and people can access it easily. Our procedures revolve around that consistent approach. When we hire new commercial account executives, they get trained on Policy Works."
That consistency is critical to a commercial lines department that may be dealing with accounts of varying sizes, types of business and levels of exposure. For Worrall, Policy Works provides a methodical framework for producers to gather all relevant information from clients for underwriting purposes.
"With Policy Works, when the producers go out and get the information from clients, they are going to get it all – it is very consistent," says Worrall. "Before, because there was no true commercial application per se, sometimes they were lacking information when they went to market."
The other key benefits of Policy Works for Wilson Insurance are the ability to provide high-quality presentations for commercial prospects and seamless remarketing for established clients. All this can be done with much greater efficiency than before, according to Lisa Colwell, also a Commercial Account Manager.
"On a day-to-day basis, Policy Works is very efficient because you are not looking or searching for files," Colwell says. "You get the information right at your fingertips."
That quick access to information and ease of use helps the brokerage in its communication with prospective customers. "Policy Works has an excellent proposal feature," Colwell observes. "So when we are quoting, we use the proposal feature to have a professional, color package to present to a client, where we can actually insert photos of their business and location."
Remarketing for existing clients is also a snap with Policy Works, according to Worrall. "For an existing client, especially a larger one, remarketing is much faster and easier," she notes. "One of our account executives recently wanted to remarket a file and it was just a matter of going into Policy Works, selecting the remarket feature and emailing it off within a half hour to four markets."
The integration between Policy Works and TAM has made that process even more efficient, according to Worrall. "With this integration, you automatically have the notes on the file, whereas in the past we had to dig through the hard copies and update all information manually," she says. "Now, all the underwriting information we need is in Policy Works; it is just a matter of going through it and remarketing."
"Another great feature of Policy Works is that their upgrades are no problem," notes Worrall. "We had our IT person come in and within half an hour it was done – there was virtually no down time." A tangible benefit of Policy Works 6.3 is the availability of CSIO-approved certificates of insurance, which can be sent electronically to clients.
This ease of implementation extends to service support and ongoing training, according to Colwell. "If we have any questions, it is just a matter of picking up the phone or sending off an email. We get answers very quickly. Another thing is that Policy Works sends out weekly tips on how to make the most of the application. They give screen shots and detailed descriptions on certain features and enhancements. It is a great tool."
One of our account executives recently wanted to remarket a file and it was just a matter of going into Policy Works, selecting the remarket feature and emailing it off within a half hour to four markets.
Charlene Worrall, Commercial Account Manager
For Worrall, Policy Works has represented a huge time saver in terms of commercial lines efficiency and productivity for Wilson Insurance. "It is just a matter of clicking in through TAM and accessing Policy Works to get the information you need right there in front of you," she says. "I don't think we will be needing the file cabinets anymore."


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About Us
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The majority of our news is provided by staff writers who are all experts in their respective fields. Other news is provided by news agencies and freelancers from across the globe.
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subset: commoncrawl


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Someone has kindly nominated the Italy Travel Guide in the Best Travel Blog category over at the Blogger's Choice Awards! I'm humbled by this; and if you like what you read here, you can head on over there and vote for me! (In other words, please vote for me!)
From the site:
The voting for Blogger's Choice Awards 2007 will end at 11:55pm on October 19. Winners in each respective category will be recognized at a one-of-a-kind awards ceremony on November 10, 2007, at PostieCon in Las Vegas, NV. After the ceremony, the results will be posted here at BloggersChoiceAwards.com.
Y'know, Vegas has never been my kind of town, but for an award? Yeah, I think I'd make an exception. Besides, they've got The Venetian and Bellagio there, right? I could kind of pretend I was in Italy…
Photo by: Al Telaumbanua


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Knitters listen up. I have been working in a home the last few weeks with an avid knitter. Or maybe I should say an avid yarn collector. Yarn is fun. It comes in every shade of the rainbow. You can create unique pieces that keep your loved ones warm. I get it! I've been learning to crochet for the past year; I'm confident one day it will just click!
Bottom line is that crafting can lead to collecting. It happens, but it doesn't have to be that way. You can enjoy your hobbies and not find yourself buried in it. Here are a few ideas I have to wrangle your yarn and other supplies
When you buy a comforter it usually comes in a big plastic zipper bag. Keep your larger projects together and all yarn and needles needed to work on it.
Good ol' Martha, always so clever. I love her idea to use old tins with a hole in the top. It keeps your yarn in order AND gives you something to do with old cookie tins, the holiday's are just around the corner.
Wrap leftover remnants of yarn around clothespins to keep them from turning into useless balls of clutter. Clip the end of the yarn into the clothespin and they're ready when you need them. This also works well with embroidery floss.
Give yourself a physical boundary for your yarn collection, a bin, a basket or a bag. Whatever it is, once you reach the limit do not buy any more yarn until you have used some or passed it along for someone else to use.
If you need a place to donate yarn you are no longer using and you live in Toronto donate to Artsjunktion. They are a wonderful place for students and teachers of the Toronto School District to get free art supplies for projects and classes.


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FINALLY!!! My lil girl is home! Aint she the cutest thing you ever see????
You can check out more photos of her in Ginger's Own blog here.
FINALLY!!! My lil girl is home! Aint she the cutest thing you ever see????
cute la her
hahahaaa... so so so excited of having new member
Yar..cute hor? Even hubby heart also melted by her..
She is sooooooo adorable. Cant wait to meet and hug her (if I get a chance lah)
Hehehe...hope u still wana hug her when she is huge later. Not sure how big she will grow yet.
Add a playmate. She will be very lonely le...
Beautiful :) So how is your beautiful dog.. long time no update :)
Hi Netster,
WOW! Long time no hear/read from you too. Just been too preoccupied to do much blogging recently... hehehe...
Real cute....mine is a toy poodle and she is an absolute darling ....:) I have some pictures of her in my blog too in some previous postings....


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Detroit, MI
Joe Louis Arena
It felt like the MSU vs. UM football game other than the Spartans tonight were not the favorite like they were on the gridiron. The proud Spartan program is struggling this year, and a big win like this couldn't have come at a better time. A team that has had adversity swirling around it all season hasn't fractured, stayed the course and saw the results tonight on a 3-2 overtime win.
Legendary UM head coach Red Berenson declared that, "It was a great effort by Michigan State. They have been a better team than their record all year and we saw it tonight. Good for them it was a game that goals were precious and both goalies kept their teams in it. They scored goals when they needed to and we gave up goals when we didn't need to."
Spartan goalie Jake Hildebrand is one of the nation's top goaltenders and has suffered at times this year with his confidence. He played like Jim Craig of the 1980 Gold Medal USA team. He said of his amazing performance that saw him stonewall the Wolverines 40 times that, "It was really special. Especially for the seniors going against Michigan. This being the inaugural year for the Iron D trophy I think it was really good for our team. I thought the way we battled in front of the net was key. We won the dirty things. It means a little bit more against them."
Most fans do not realize that a hockey team carries six defenders and the Spartans have lost three this year. That is major reason for their struggles, but tonight they stood like a stone wall with stellar D in overtime, blanking the Wolverines by giving them zero shots in overtime.
Spartans head man Tom Anastos beamed with pride able to brag on a defense that lacks some talent down three key players, but full of heart "I thought it was a heck of a game from start to finish. Had everything in it. I said our team has really stuck together. This is the start of the back half of the Big Ten season. It was special to see that puck go in. I think that was our best defensive performance of the season."
This is the first year of the new Iron D trophy that will be given away each year (similar to the Paul Bunyan in football) when these two rivals player here in Detroit. For Captain Mike Ferrantino that meant a lot. The Spartan pint size leader has the heart of a warrior and leads like it. "I get to leave with a trophy in my hand and that was pretty cool. Especially for our seniors."
To put the loss of three top tier defenseman try to picture Dantonio if he didn't have 105 players, but had the depth that they carry in hockey and losing six defensive starters? No excuses just fact and that has also led to some of Hildebrand's struggles.
I will have much more on the Spartan hockey struggles of 2016 in the next issue of Spartan Nation Magazine. For now we leave Joe Louis Arena with the raucous chants of Go Green Go White, completed over two hours ago, still echoing over the rafters of this hallowed hall of hockey.
The Michigan State men's basketball team tips off with UM tomorrow at 2PM in Ann Arbor. That game can be seen on CBS!


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Single parent successfully challenges surrogacy law
The Family Division of the High Court has given a landmark ruling regarding the law of surrogacy.
In a recent case, a child (known as 'Z') was born to an American surrogate mother using the commissioning father's sperm and a donor egg. The commissioning father returned with the child to the UK, but he was not able to apply for a Parental Order as he did not satisfy the criteria that there must be two applicants. As a result, he could not obtain parental responsibility for Z because the surrogate mother was still regarded as the child's mother. The commissioning father's only option appeared to be to apply to adopt Z. However, the commissioning father successfully challenged the law which insists that two people must make an application for a Parental Order. Sir James Munby, the President of the Family Division of the High Court, has declared that the existing legislation is incompatible with human rights law, as it discriminates against single commissioning parents.
A Department of Health spokeswoman has said that they accept the judgement of the Court, and will be "looking to update the legislation on parental orders."
This is a fascinating development in the law relating to surrogacy arrangements, and it will be interesting to watch as the law is brought up to speed to reflect the evolving medical science.


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Brooklyn, New York: The Perfect Place For Honeymoon
The city that never sleeps is perfect for dynamic honeymooners and Brooklyn (dubbed the "lesbian capital" of NYC) is an amazing place to visit for newly-wives. Continue reading
The city that never sleeps is perfect for dynamic honeymooners and Brooklyn (dubbed the "lesbian capital" of NYC) is an amazing place to visit for newly-wives. Continue reading
With tropical forests, white sands and turquoise shallows, feel the freedom of nature at Wildfitness Zanzibar. Share a life-changing fun-filled adventure with friends in the tranquil Chwaka Bay. The retreat was developed with the natural beauty of Zanzibar's environment in mind: snorkel amidst turquoise waters, stretch out on empty beaches and sweat it up with high intensity workouts. Continue reading
Bali is always a good idea: especially for a warm holiday break with the besties! Surrounded by vibrant tropical gardens, this female-only retreat provides you with the idyllic atmosphere to connect and find your inner zen. Continue reading
The ancient Hindu narrative, the Mahabharata, describes Svarga Loka as the 'good kingdom' or a heavenly paradise for the gods. Catering to the discerning needs of wellness travellers, the retreat provides a sacred place to reflect and rejuvenate. With various programs and bespoke monthly themes, it's an idyllic venue for groups on a pursuit of wellness. Continue reading
Going to Phuket Cleanse is like coming home to family. Whether travelling with a group, a partner or by yourself, you'll find a friend in each staff and guest you meet. A sense of tribe shines through the group fitness activities, offering a fun and supportive environment. Continue reading
For any yogi cliques wanting to dive deeper into the practice, Ananda in the Himalayas is the perfect location. Surrounded by the vista of the Himalayas and just outside the wellness haven of Rishikesh, this luxury wellness resort provides the best in authentic yogic experiences. Continue reading
Take the squad out for a long weekend of fitness, adventure and discovery. Together with a small group of no more than 10 hikers, this retreat invites you to a four-day journey through the most dramatic landscapes along the coast of Mt William National Park in north-eastern Tasmania. Continue reading
Perfect for the fit-fam with a mix of personalities, Golden Door Health Retreat offers activities to suit every health, fitness and holiday goal. Set in the mesmerising wine country of the Hunter Valley, the girls can opt for zen-filled days practising Pilates, yoga and silent meditation, or sweat it out with gym circuits, one-on-one personal training and boxing – it's entirely up to you (or them). Continue reading
Surrounded by New Zealand's majestic Southern Alps, luxury wellness retreat Aro Ha fuses stunning sceneries, eco accommodation and the best vegetarian cuisine, using locally produced organic ingredients. Continue reading
HENRY Williamson's novel Tarka the Otter, published 90 years ago this August, has inspired a thriving tourism industry in North Devon, helped in part by the creation of the 180-mile Tarka Trail in the 1980s. Tracing Tarka's journey during the book, the figure-of-eight trail is suitable for walkers and, on some stretches, cyclists. It follows the fictional otter's footprints along riverbanks and coastlines, and through moors and woodland, all of which Williamson describes vividly, but with minimal sentimentality, from an otter's-eye view. Continue reading


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Western Colorado Climate Challenge & Solar Fair May 1 -3 in Paonia, Colorado Hosted by: Climate Colorado and Solar Energy International "Solving Colorado's Climate Crisis through Rapid-Prototyping Change" Sponsors include The Hive Paonia, Western Slope Conservation Center, Mountain West Strategies, and Community Office for Resource Efficiency Tickets available here FOR IMMEDIATE RELEASE Wednesday more »
Hey, Colorado – how about a climate challenge? Paonia event focuses on solutions for western Colorado Staff Report FRISCO — Everybody is talking about climate change, but that palaver doesn't always translate into action. Not so in Paonia, though, where community and climate activists will gather May 1-3 for the Western Colorado Climate Challenge & Solar more »
Step Right Up and WIN! This Boom will never Bust, Baby! Colorado is about to lose thousands of jobs, again, as the latest boom and its promise of vast riches crashes into the reality of a volatile commodity market. Again. Like in the last bust in 2008 that hit the western Colorado gas fields, it was just months more »
Unicorn Arts Collective Presents: Elemental Rising | North Fork Scrapbook The Paonia Fashion Show is back! This time the Elements are rising to the occasion. More than just a fashion show, this year The Unicorn Arts Collective is bringing a multi-media arts experience to the Paradise Theater. Originally conceived as The District 81428 Fashion Show, more »
The North Fork Seed Library Spring is approaching and it's time to start plotting your garden. First, what are you hoping to grow? A specific variety of squash or particular heirloom okra? Whatever it may be, the Hotchkiss Seed Library probably has it! They have a vast array of seeds to peruse that any library more »
Fracking in the North Fork Valley by Eugenia Bone – Colorado Farm & Food Alliance When I told friends in New York that my husband and I had bought a ranch in Colorado, I was surprised to discover how many had fantasized about living out west. I didn't realize that even the most citified among them more »
Localvores, Pick Up Your Forks! Oil and Water Don't Mix By @ColoFarmFood, crossposted at ColoradoPols.com Attention has been focused on Denver, as Governor Hickenlooper's Oil and Gas Task Force finishes its work, mostly avoiding the contentious issues that surround the industrial realities of oil and gas—noise, pollution, traffic, and impacts to land and existing uses—which led to its formation more »
By Courtney Mullin Rocky Mountain Sandhill Cranes have been traveling almost the same migratory route for thousands of years along the Rocky Mountain Range. Over 20,000 of them winter in Bosque del Apache National Wildlife Refuge in New Mexico, and make their way north as the weather warms. One of their first stops is the Monte more »
@PKolbenschlag The wires are abuzz about the latest example of fossil fuel influence attempting to bend science, another Climate Change Denialist hero has been shown as seriously besotted by sooty cash, but failed to note the connection. His 'science' was—in fact—"deliverables" to dirty energy powerhouses, from utilities, coal, oil and gas, the Kochs. Meanwhile in western Colorado, more »
Large-scale industrial activity a tough fit for Colorado's farm-to-table capital | GJSentinel.com …The majority of the drilling jobs are temporary. Companies like SG acknowledge that they bring in outside contractors for most of the positions, which leads to no long-term benefit to our local economy. We all want the North Fork to thrive. To many more »


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Bootstrapping. What a juicy word. Strong and firm at start, stretchy and continuous towards the end. I really like the sound of it. And I love the meaning of it.
I always imagine my selves standing in the mud and pulling myself out by the laces. And that image of myself always brings a smile to my face.
And it is a great concept. It represents my preferable way of business growth. Steady, organic, without having to compromise your company's higher purpose. It is also the best way to push oneself over the comfort zones and focus on important issues of running the company.
I would like to share with you an article with best description of bootstrapping I found so far. Thanks' Andrew for making it so clear why bootstrapping business is usually better alternative than spending others people money.


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Dennis Rehberg has made a career of not taking a stand on critical issues, but in his latest pandering e-mail to his constituents (sent on the taxpayers' dime, I might add) Rehberg promises to protect Medicare, arguing that neither party in Washington has answers for the program:
Both Parties Are Wrong On Medicare – Look to the American Public, Not Washington for Solutions
And it works. After more than 80 listening sessions throughout Montana, I've heard from thousands of Montanans. The ideas I hear from real people usually make a whole lot more sense than the nonsense that comes out of Washington.
That might be a great opening to an e-mail, were it followed with an actual plan, proposal or even an idea. Of course, once again, Rehberg's not offering any of those.
After eighty listening sessions and a decade in Congress, how much longer should Montanans have to wait for Representative Rehberg to make up his mind? It's simply astonishing how long and how often the Montana media has let Rehberg get away with this rope-a-dope strategy on contentious issue after contentious issue.
The truth, of course? Rehberg no doubt supports his party's reactionary agenda to gut Social Security and Medicare while letting millionaires and corporations exploit tax loopholes you could drive a fire truck through.
The same Rehberg who claims that he would never vote to cut Medicare authored an amendment that would have led to serious cuts for millions of Americans and thousands of Montanans:
In a letter Tuesday to Sen. Max Baucus, D-Mont., Sebelius explained that since the health care law repealed the old payment rates for private plans, Medicare could be left with no legal authority to continue to issue payments. She said that would risk "significant disruptions in services" to about 12.8 million Medicare recipients.
Reflecting the values of constituents is important, but so is doing your job. Representative Rehberg might find it convenient to never offer an substantive ideas, but that convenience does nothing for the people of Montana.


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Thank You Wagtales for the Big Donation! Posted on Monday, 20 November 2017
A big thank you to Wagtales for donating all their proceeds to CARA
from their Facebook post:
Thank you to those who purchased and supported the Wagtales booth Trendsetter's Bazaar held at the SMX Convention Center! ☺😍
We will be donating all the proceeds to CARA Welfare Philippines and support their fundraising project. The Volunteers of CARA wish to produce pet-themed merchandise to be sold to raise funds for Save the Laguna Pit Bulls, especially in time of Christmas! Should you wish to help too, kindly send a message on their facebook page "CARA Welfare Philippines" or directly talk to one of their volunteers Mr. Eric Suguitan for more details! 🙂 Thank you and Happy Wagtales! 🐶🐩
Reposted by Angelina Fajardo
Want to help?
For inspiring pet stories, click here.
Want to share your own pet story? Email it to email@example.com
Tags: #AdoptDontShop, Animal Advocacy in the Philippines, CARA Welfare Philippines, CARAdonations, merchandise, Trendsetter's Bazaar, Wagtales App


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There was relatively little carnage among the cast and I'm so relieved.
-WARD IS IN CUSTODY AND GETS TO THINK ABOUT WHO HE IS WITHOUT GARRETT. YAYYY. I really didn't want Ward to die; this is exactly the ending I wanted for him this season--no death, no freakin' quick redemption, no "saved by love" nonsense. Him neutralized, and now he gets to examine his choices. (Yeah, I would still have liked the "triple agent" thing for him, but that ship sailed within one episode after his reveal. I still don't get the lingering shot on Ward's face in that tag on "Turn, Turn, Turn"--did they think we hadn't made the connection or something? It just reads as deceptive and misleading for me now. Either that or overkill.)
-Reyna is alive, yay! She's the most interesting villainous character to me. (She makes me want to covert cosplay her.)
-They did a bad thing to Fitz but he's alive and I can accept that there had to be some core casualties, and that was sweetly written. Because TV likes to give characters physical deficiencies rather than mental ones, I have this idea of Fitz assuming his usual role next season but with a limp and "badass" cane, but perhaps they won't go with that trope.
-I'm good with Garrett being gone; I didn't hate him or hate the potential for where his character could go, but he was the big bad for this season and the next season ought to go different places. Speaking of which, I am still reeling with joy that we get to talk about NEXT SEASON.
-I'm glad the last episode wasn't all about Skye; not that I don't like her (I really have come to like her a lot; she's earned it this season) but she's had her big moments the last few episodes and this finale was more about the heavy firepower to bring a resolution and key moments for other characters (DIRECTOR COULSON). And she was still an awesome player in this episode.
-I'm pretty sure everyone now has the mental image of May, Ward, and May's strap-on. And I'm pretty not sure if everyone is happy about that.
This entry was also posted at http://amanuensis1.dreamwidth.org/306525.html. Feel free to comment at either location.


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Accounting & Finance
Keeping It Liquid: 3 Ways To Ease Liquidity Quickly
The savvy entrepreneur knows that even the best run of businesses can be reduced to ruins if it does not retain good liquidity. Liquid cash is the lifeblood of your business. Just as our bodies can't function without out bloodstream delivering much needed oxygen and nutrients to our organs to keep us alive, your business needs a flow of cash in order to survive. Cash flow helps to keep our shelves stocked with inventory, our suppliers paid up, our utilities running and the business functioning as it should. But let's be realistic. In the world of modern business, any number of things could take place to disrupt the flow of cash through our enterprises. A late payment from a debtor, a delayed shipment of stock or a temporary lapse in essential services like utilities or telecoms; any of these commonplace occurrences could create a clotting of liquid assets around your business, causing it to hemorrhage money.
To keep the medical analogy going just a little longer, if something is restricting the flow of blood around the body, something needs to be done fast to save the patient. Likewise, decisive action needs to be taken to save your business. There are many ways in which you can ease general cash flow but when you need to ease it fast, there are a few solutions that may be best for you.
Thow a sale
Is a whole lot of your cash tied up in solid assets like stock? Get on social media and announce a grand sale. Slash down prices on all of your best sellers and customers will come pouring through the doors. Okay, so you might lose a little of your margin up front but this will likely be a small price to pay to resume normal service and return your business to a fully operational state. Plus, your bargain bonanza may well draw a new stream of clientele who will keep you in mind in future.
Home equity
This may be an extreme option, but you wouldn't be the first entrepreneur to bet the farm on their enterprise and come out smiling on the other side. There are many ways in which you can get quick equity on your home. If you've already built up a healthy profit on the home and are in need of quick cash it might be worth visiting needtosellmyhousefast.com to get a valuation. Or if your needs are less extreme, you may be able to release some equity on your property by remortgaging your property.
Bridging finance
You should go into this with some trepidation. While borrowing may be appealing when you're in a bind, bear in mind that the faster you can get your hands on liquid cash, the more you can be expected to pay in interest. In other words, while you may experience a bump in liquidity, high interest repayments could put a serious dent in your long term profits. Your best bet is to go for a finance broker and do the math to ascertain whether the repayments on any bridging loans would place a serious squeeze on your profits.
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Opening Up a Business Line of Credit
When a business owner starts a new business, they may need additional money to keep things running smoothly. Sometimes the owner does not have any enough cash on hand to pay for things like supplies, inventory, payroll, and equipment. A business line of credit is one option to help a business owner get the additional business capital they need. Before a business owner decides to open up a business line of credit, there are some key things that they need to know. One of which is researching for a business loan company that offers reasonable and flexible business credit lines to business owners.
Business Line Of Credit Loan and Business Line of Credit Rates
A business line can be described as a type of business loan but it is not readily available in one lump sum. Instead, the business owner can obtain business cash flow as needed, up to a specific amount. The amount that they can obtain will depend on the terms of the agreement and the sustainability of the company. When a business owner needs to establish a business line of credit for their business, they will need to review the types available prior to filling out a business line of credit application. However, one of first things that the business owner should be concerned about is what banking institutions have them available. For example, the owner may have an option to choose a business line of credit from a bank or a credit union. While the bank is normally the traditional lender for this type of business credit, take into consideration that banks prove to be much stricter with their requirements and repayment options.
Business Line of Credit Companies
Tip- By opening up a business line of credit in advance, a business owner could have peace of mind knowing that there is additional business capital readily available to them for marketing, advertising, inventory, payroll, expansion, upgrades, or any other business emergency situation.
Apply for a Business Line of Credit, Business Loan, or Merchant Cash Advance today with Business Finance Advance !


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Tag Archives: anime movies
Death Note's 2016 Movie Gets A Title And 1st Visual
The official website for the upcoming Japanese live-action "Death Note 2016" was updated a few days ago. The update brings a title "Death Note Light Up The New World" and the first visual for the movie showing off three cast members: Mishima (Higashide Masahiro), Ryuzaki (Ikematsu Sosuke) and Shien (Suda Masaki). Amane Misa (Toda Erika) and Ryuk (Nakamura Shido) will both make their way into "Death Note's" new movie. Shinsuke Sato (Gantz Live-Action) will sit in the directors chair.
"The Boy And The Beast" Coming To A Theater Near You
Funimation updated their blog today with not one but two awesome announcements! The first announcement was the official launch date for "The Boy And The Beast" movie. Funimation's second announcement revealed a new website,"FunimationFilmsDotCom" detailing their new and upcoming theatrical releases.


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Organiser: Mike Roscoe
Check in 7.45 to 8pm – Return 9.45pm
Departure Point - 4 Fountain Square 123-151 Buckingham Palace Road
Return Point – Victoria Station
Cost 18.00 per person
Details - here
Reviews - here
Mike writes: It's not cheap but the light should be good at this time of year and on the top deck there should be some interesting photo opportunities. Register interest in this event by Monday 18th July (at the latest) I will book tickets in advance and you can pay me on the day.
To book, email Mike Roscoe


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Roll-Line is proud to offer these original toe stops made with natural rubber.
Ambra hockey small (metric thread and Imperial thread)
The particular shape of Roll-Line hockey toe stops ensures an extraordinary contact with the ground, giving you the maximum of grip and boost when pushing.
- metric thread and Imperial thread
- Abrasion 5/5
- Grip 4/5
- Elasticity 5/5


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Fort Defiance (FDHS) Class of 1950 Alumni List
Help us Update the Fort Defiance 1950 Class List by adding any names missing from the list below:
Registered Alumni
1950 Class List
Know Fort Defiance Class of 1950 graduates that are NOT on this List? Help us Update the 1950 Class List by adding missing names.
The top movie in theaters during 1950 was Cinderella, grossing over $85,000,000 in its lifetime. The most popular television series for 1950 was The Texaco Star Theater
Reunions and Fort Defiance High School News
More 1950 alumni from Fort Defiance HS have posted profiles on Classmates.com®. Click here to register for free at Classmates.com® and view other 1950 alumni.
The Fort Defiance High class of '50 alumni are listed below. These are former students from FDHS in Fort Defiance, VA who graduated in 1950. Alumni listings below have either been searched for or they registered as members of this directory.
For former FDHS students from VA, you can view the class reunion information that has been posted by other site visitors. In addition, we encourage you to post your profile in the alumni directory, share information about the school activities you were involved with and reconnect with Fort Defiance High School alumni.


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- Hot Games
- New Releases
- Coming Soon
Being optimistic for the new features in NHL 18 Ultimate Team
Being optimistic for the new features in NHL 18 Ultimate Team
Gamers can gain the experience of a new advertisement around the launching of NHL 18 of EA Sports. As gamers along with devotees are arriving at the launching date of NHL 18, the new traits and wish lists start considering. By this time, the professional online coin seller begins to take preparation for serving NHL 18 Coins in the most affordable cost to the game enthusiasts.
In the previous year, NHL released a brand-new series of trait in the Ultimate Team and developed a lot of current traits including analysis of player based on computer. This time, devotees are predicting the traits that make gamers have the next level experience. Gamer can perhaps gain the experience of NHL 18 this fall. The addition of Draft Mode became the highest striking during the 2016 version. It is better to find some developments in this gaming mode to be available inside of HUT 18. Game mode does have huge developments that EA can impose; however, there is the recommendation of Draft Champions. It had not gone updated in last quarter after launching NHL 17. It was a big disappointment for gamers of NHL all through the World.
In National Hockey League 18, there is an expectation of massive updates during the progression of new season. It is better to see the major draft like feature of Draft Champions. It is already incorporated in the primary game. As the new cards of HUT are launched each month, the draft champions became updated. However, it might be astonishing if this occurred every week. Visiting nearest online coin seller helps gamer avail HUT 18 Coins to seize the early hand in the very beginning of game.
considering rank draft mode
Gamers have to find the addition of new ranking methods while it is arriving at rankings of Draft Champions. NHL 18 HUT can append an extra ranked section of Draft that needs to have a specific number of coins or there should be the points to get into. This could be a huge step for NHL 18 to an eSports. NFL 17 aka Madden 17 began the Madden Bowl that concluded with an overcoming prize of $250000 Draft Championship winner ranked No 1. The developer of NHL 18 can consider this matter with due care.
about fixing Desync Glitch
The most important glitch issue with EA servers and existing NHL game comes out as the desync HUT glitch. If a gamer is playing with someone that they desync the game, it is to be the hours prior to gamer is to be able to link with the Hockey Ultimate Team, HUT. It can be annoying for the players that prefer to seize the option of multiple-player games in UT.
going for developing severs as boot problem
This would be tiny issue; however, it still requires fixing soon while launching NHL 18. When gamer is playing a game online and the internet connection of challengers is left, gamer becomes stuck with screen along with AIs prior to game can go out for the game. Go for nhl coins online as soon as it becomes live.
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When we're huddled up all winter long, we've big questions floating through our heads as we sit through the fire drinking hot chocolate. Questions like, it is possible to difference between soup and stew? In this post, we tackle that question and share some of the most popular soup/stew recipes.Lets begin by saying everyone's their particular definitions and call their very own recipes of soups and
stews what you like, Instant Pot Corned Beef And Cabbage
And that's totally fine. #you do you. So in the event you look at this and pay attention to that Grandma's famous stew should be known as a soup, have no fear, everyone's definitions will vary. And that's OK! … But here's what we've learned:Stews he
good name for stews originated in the cooking way for stewing. Stewing is similar to braising {in that|for the reason
that|because|in this} it's a {way
to|method to|approach to|strategy to} cook meats or vegetables in the liquid. Braising means the item you are cooking is partially submerged in water and stewing means the vegetable,
fish or meat is entirely covered with water. Recipes that cook its ingredients in several water, over low heat for very long intervals are often called stews, because you are literally stewing. Because of this cooking method, {we often|we
quite often|we sometimes|we very often} think about stews as having gravy-like, rich broths with chunks of meats, vegetables and perhaps even a grain floating {in it|inside it|within
it|inside}. But these leaves us wondering, in case you blend a vegetarian stew after it's cooked does which make it a soup?South dictionary simply lists soup like a liquid
dish using a base of broth or water.
In relation to stews, a soup doesn't have to be manufactured in the stewing method. It could be roasted vegetables blended with broth and reheated and seasoned. What we are finding {is
that|is the fact that|is always that|is} soups tend to have a better liquid to solids ratio that stews. We're beginning to believe all
stews are soups, although not all soups are stews. We're also thinking it maybe doesn't matter, providing it's warm and delicious. What are your Instant Pot Corned Beef And Cabbage definitions?


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How does Laser Hair Removal work?
Since lasers target pigment, treatments are most effective on coarse hair because it has a lot of pigment and can absorb a lot of heat. Fine hair cannot absorb much heat.
Intense Pulse Light (IPL) machines are not lasers. These machines use a highly concentrated beam of traditional incoherent light, often in conjunction with a cream or gel, to burn the hair shaft. A serious flaw with these systems is that they lack the laser's ability to produce a selective bandwidth of light that will only affect the hair shaft (selective photothermolysis). IPLs produce a wide bandwidth of light that can heat up all of the surrounding tissue, making it less effective in disabling hair and putting the patient at a higher risk for burns, especially on darker skin.
CYA Laser only use true hair removal Alexandrite Lasers.
How Many Laser Treatments will I need and How Far Apart are they scheduled?
Because hair grows in cycles, several sessions are necessary in order to affect all hair on any given area. Hair cycle length varies depending on body part. Face usually requires more frequent treatments (about 4 weeks apart) whereas legs and back need less frequent treatments (closer to 6-8 weeks apart).
Shedding of all treated hair should be expected within 2-3 weeks of each treatment. The hair that doesn't shed and is growing as usual after 3 weeks has likely been either missed or not affected due to inappropriate settings. If this is the case, a touchup treatment is necessary at that time. All 6-8 treatments should be good effective treatments in order to achieve good results.
Once the hair sheds, patients should experience a hair-free period for several weeks. Once new hair comes in again, patients should come in for their next session.
Is Laser Hair Removal painful?
*It should be noted not feeling any pain during treatments may be an indication that the laser is set too low to produce permanent results.
Are their any Laser Hair Removal Side Effects?
- Itching
- Redness for up to 3 days
- Swelling around mouth of follicle for up to 3 days
- Tingling or feeling of numbness
The following rare side effects are indicative of inappropriate laser type and/or settings:
- Crusting/scab formation
- Bruising
- Purple coloring of the skin
- Temporary pigment change (hypopigmentation or hyperpigmentation)
What should I expect before and after treatments?
Patients should not wax, epilate, or remove hair with the root using any other hair removal method for at least 6 weeks prior to their first session and throughout their course of treatments. The hair needs to be in place in order to be targeted by laser as laser devices targets the pigment in the hair.
The area to be treated should be shaved 1-2 days prior to treatments so that the energy is targeted towards the hair follicle and not wasted it on the hair above the skin's surface. Treating unshaved skin can result in burning of the skin by singed hairs.
After your treatment?
Apply ice packs and cooled pure aloe vera gel to help soothe the skin.
All hair should shed within 3 weeks* following the treatment. Sometimes, shedding doesn't start until about 10 days after the session. During the shedding phase, hair may look like it's growing, but it is actually coming out to shed. Exfoliating and/or scrubbing gently in the shower with a loofa can help speed up the shedding process.
After 3 weeks, some patients may see small black dots remain in the hair follicles on some areas. These are commonly referred to as "pepperspots", which eventually shed on their own. Exfoliating may help speed up the process. Regardless, they will be singed off in the following session.
Once the hair sheds, patients should experience a hair-free period for several weeks. Once new hair grows in, patients should come in for their next session. For most people and on most body areas, this happens about 6-8 weeks after the previous treatment.
Patients should continue treatments until remaining hairs are too fine for laser to target, or until they've reached their desired reduction.
*Shedding of all treated hair should be expected within 3 weeks of each treatment. The hair which doesn't shed and is growing as usual after 3 weeks has been either missed or not affected due to inappropriate settings. If this is the case, a touchup treatment is necessary at that time. All 6-8 treatments should be good effective treatments at aggressive settings in order to achieve permanent results.
What are the Hair Growth Cycles?
Anagen (active) is the growing phase or when the hair fiber is produced.
Catagen (club hair) is the period of controlled regression of the hair follicle. This phase is when the lower part of the hair stops growing, but does not shed, and the follicle is reabsorbed.
Telogen (tired) is the last of the hair growth cycle. In this resting phase, the old hair falls out in preparation for the development of a new anagen hair.
Normally this cycle of hair production will continue for the duration of the individual's life. However, various factors can influence, promote and inhibit hair production.
Laser affects hairs when it's in its anagen phase of growth. Thus, patients need multiple treatments in order to disable each batch of hair as it enters the anagen phase of growth. Hair cycle length varies depending on body part. Spacing treatments 6-8 weeks apart allows adequate time to target hair on most body areas.


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CNNgo lets you watch CNN programming live on your Apple TV. Simply select the Live TV section from the menu at the top of the app. The guide will show you what's on CNN now, as well as upcoming broadcasts. You'll also have access to on-demand video from CNN shows like Anderson Cooper 360, Reliable Sources, and State of the Union.
In order to use any part of CNNgo, you'll need to sign in with your cable provider at CNN's activation site.Participating providers include AT&T U-Verse, DirecTV, and Dish.
Via: 9to5Mac


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I've read a bunch of tutorials involving XNA (and it's various versions) and I still am a little confused on drawing primitives. Everything seems to be really convoluted.
Can someone show me, using code, the simplest XNA implementation of drawing one or two lines on to the screen? Perhaps with a brief explanation (including the boilerplate)?
I'm not a games programmer and I have little XNA experience. My ultimate goal is to draw some lines onto the screen which I will eventually transform with rotations, etc (by hand). However, for this first step.. I need to simply draw the lines! I remember back in my ancient OpenGL days it was fairly straightforward when drawing a line with a few method calls. Should I simply revert to using unmanaged directx calls?


text: This is Dolly when she was a kitten. My other cat Minka gave birth to her. She is such a lovely and affectionate cat and has filled my life with laughter and love. Dolly is like a child to me and I spend a lot of time with her. Her favourite thing to do is watch the RSPCA ad on TV. She gets so excited when she hears the 'All things bright and beautiful' song from the ad.


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What insurance do you need for a mixed commercial and residential property?
If your property portfolio includes residential and commercial premises on the same site, you will know that the insurance requirements can be complex. You will need buildings insurance to cover the bricks and mortar, plus a mix of legal expenses insurance, rental protection, contents insurance, public liability insurance and employer's liability insurance to cover what goes on within.
Why you might own a mixed-use property
There are many situations in which you might own a mix of property types within one building or site. You might run a business in commercial premises and decide to let out the flat space above. Alternatively, you might have a more substantial holding with a complex risk profile: several flats in a block plus commercial units used for such diverse purposes as a workshop using heavy machinery, a dental surgery or a gym. You might be responsible for shared spaces too, either in entrance lobbies, stairways and corridors or in the form of outside space.
This kind of property investment can prove highly valuable, and may be easier to manage than a more dispersed portfolio. However, bespoke insurance is usually required to reflect the unique risk profile of the multiple holdings. Stride Direct's highly experienced team can help you find a policy that will give you excellent protection at a reasonable price.
The benefits of bespoke insurance
If you own a mixed-use property, you will probably have different agreements with different tenants, as well as service contracts relating to each property. It might be that you hold some units on a freehold basis and others as leasehold. Some units may have equipment or features which pose higher risk than others, such as machinery, impeded access or steep stairs.
Arranging bespoke insurance through an experienced insurance underwriter will help you ensure that the full range of risks you face are covered under your policy. If you take out multiple policies to cover your interests, these are not only likely to be more expensive but some risks could fall between the policies or liability between insurers may be open to interpretation.
Holding a single policy to cover your full risk profile can also make it easier to manage your costs and simplify the renewal process. With multiple policies, you may end up unwittingly paying different rates for the same type of risk, or missing key dates for renewal because you have so many of them to keep track of. With a bespoke policy, it is easy to understand what you have to pay and when.
Types of insurance to consider
There will be some types of insurance cover which are mandatory for you, for example if you have a mortgage over a property then your lender will almost certainly require you to hold valid buildings insurance. If you run a business in the premises and employ someone, you are probably obliged to hold employer's liability insurance by law, which protects you if the employee is injured at work.
Other types of insurance are optional, but provide good value when you consider the risk. For example, rent protection insurance will provide cover if a residential tenant loses their job, or a commercial tenant enters insolvency. Legal expenses insurance can also save you a lot of cost and hassle if you need to evict a tenant or deal with a contractual dispute.
Public liability insurance is important to provide protection against claims that someone was injured or had property damaged on your site, for example by slipping down steps or having a loose roof tile fall on them. If disaster strikes and your property is damaged, for example by flood, fire or a storm, cover for re-housing costs for your business and residential tenants will save you a small fortune. It will also help you to keep tenants if you can offer alternative housing in this situation.
You may also wish to take out insurance against malicious or accidental damage. This type of damage is often excluded by policies, but persistent vandalism or a disgruntled former tenant can cause significant loss. Accidental damage can easily happen if a tenant accidentally leaves a tap on, or some of their equipment catches fire. If this happens, neighbouring tenants may also suffer disruption or damage. You could require tenants to have insurance against this risk, but your own cover is a valuable back-up.
Does your mixed property holding need the protection of a bespoke insurance policy? Why not talk to Stride Direct today on
0800 840 6699.


text:
Patsy Bowen
Gordon High Decatur, GA Class of 1962
Memories of Patsy Bowen
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INDIANAPOLIS, Ind. (Sept. 3rd 2015) -- A former Colts linebacker accused of rape was found not guilty on all counts Thursday.
Josh McNary was cleared on three different criminal charges. It took the jury two and a half hours to reach the not guilty verdict.
Afterwards, McNary said he's relieved and plans to try and resume his dream of playing in the NFL.
"I'm happy that I'm still free," said McNary. "It's been traumatic and tragic."
The alleged sexual assault started with a meeting late last year at Tiki Bob's bar in downtown Indy.
That's where McNary met a woman who had been out drinking at several different bars.
Both sides agree the woman and McNary came back to McNary's downtown apartment where the pair began kissing, but the victim claimed she told McNary to stop because she felt too drunk to have sex.
McNary took the stand and argued the sex was consensual.
The jury was made up almost entirely of women. He's thrilled to have been cleared of any wrongdoing.
"Today has been the best outcome of a really bad circumstance," said McNary.
"Although the McNary family is pleased, they've gone through nightmare with this," said McNary's attorney Ed Schrager.
McNary will now be free to resume playing with the Colts or another NFL team.
His attorney believes that will happen.
"I think Josh has been an underdog his whole life and always succeeded," said Schrager. "He was a walk on at Army. He was a walk on with the Colts. I have every optimism he'll be successful at whatever he does."
The alleged victim broke down in tears as the verdict was announced. Prosecutors left court without comment.


text:
Inquire about this vehicle
Kia of Owen Sound
1601 18th Ave east, Owen Sound, Ontario N4K5N3
(519) 371-4447
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Your postal code allows us to give you accurate results for your area.
Kia of Owen Sound - Owen Sound, Ontario
Disclaimer Information: Please confirm with seller accuracy of information. Mileage recorded at time of listing. Taxes and license are not included in listing price.


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Olivia Palermo Just Swapped Her Leather Skinnies for This Trouser Trend
Earlier today, Chloé staged its A/W 17 show, and in our opinion, the front row was one of the best dressed of the season. While the '80s might be having a mega comeback, at Chloé, Olivia Palermo proved that classic '70s pieces still look impeccably stylish. Olivia wore a pair of navy flared trousers with gold buttons at the hip and a sporty yellow stripe down each leg. The stripe along the sides, plus a pair of heels and a floor-grazing hemline made them even more leg-lengthening.
She paired her flares with a coordinating navy jumper with ties hanging from the side and oversize sleeves with white shirt cuffs. She then added another '70s-inspired accessory, a skinny printed silk scarf looped once around her neck. Combined with the glossiest hair in the business, we wish we could look like this every single day.
Scroll below to see Olivia's latest look, and shop it for yourself.
Getty Images
For more Olivia Palermo style inspiration, see 20 of her best looks.
Opening Image: Getty Images


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Is it noticeable? The new mic went into effect for this episode, so for the first time in 15 shows I had to re-record the intro and outro. Felt a little jarring at first; I'd gotten used to the other intros and their cadence. I also have to adjust to the sensitivity of the standalone mic; it's much more live, so every pop, click and exhale is amplified and articulated way more distinctly. I
TWiST #23 with Mark Crowther
by astadmin | Syndicated


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Lily Allen and Jamie Hince have engaged in a war of words in St Tropez after the singer jetted out to holiday with her supermodel chum Kate Moss.
We're told Jamie, 40, wasn't overly excited to see the party animal and asked Kate why Lily was âmuscling in on their family holidayâ. The trip was meant to be a âmake or breakâ retreat for the couple after a string of recent rows.
Kate, 35, and Jamie hadn't been spotted together for weeks before their break in the South of France, and were using it in a bid to get their relationship back on track.
But then 24-year-old Lily showed up out of the blue â and by all accounts Jamie âlost itâ.
We're told: âJamie was fuming. He couldn't understand why Lily flew out to holiday with them when they were obviously trying to spend some quality alone time with Kate's daughter Lila Grace.
âHe basically said as much to Kate and Lily and there was a rather heated discussion. Kate basically told him to sort himself out and that Lily was more than welcome on her holiday.â
Jamie has been noticeably absent in public since, and Kate and Lily were yesterday spotted on the deck of a yacht sharing a hand-rolled cigarette that looked very much like a spliff.
This is not the first time Kate has insisted on taking her pals along on romantic getaways, and it hasn't been the first time that Jamie has objected to it.
In April Kate and Jamie had to cut short their trip to the Maldives after frayed tempers between The Kills singer and Kate's best mate Fran Cutler.


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What is your biggest turnoff?
Someone who lacks the ability to be humble.
What have you given up for your looks during the recession?
I've been struggling with the idea of living more simply, but in the beauty industry looks are important. So, I'd have to say nothing.
What's been your best cheap date?
My boyfriend would say Red Lobster, but it's probably not funny without hearing the story behind it.
Is it more important to be right or to be popular?
Popularity doesn't concern me. I would rather be morally sound.


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Careers | Jet Ski Warehouse
Why should you work at JSW Powersports?
JSW Powersports offers a fun, fast-paced and challenging environment. The business is experiencing exceptional growth in all areas and we are always looking for the right people to join our team! JSW Powersports caters for a working environment of motivated, career aspirational individuals and the growth and success of JSW Powersports is directly related to the passion our team shows towards the industry as well as understanding our customer's needs.
To register your interest in any future positions please email a brief cover letter (including the area of employment you are interested in) along with your resume to firstname.lastname@example.com
This is an exiting time as we continue to expand our operations in the marine industry.
The successful candidate will have:
Demonstrated experience in gel coat repairs, composite, lamination or trade qualifications in spray painting or equivalent - with a demonstrated history of experience.
Excellent hand tool skills and machinery experience.
Demonstrated ability to communicate and work well within a team environment.
Quoting experience highly desirable.
Demonstrated ability to work to strict deadlines and meet targets.
Strong eye for detail with a focus on accuracy and quality first time.
Self motivated with a positive attitude and pride in workmanship.
Colour matching experience essential.
A strong understanding of safe work practices and workplace health and safety.
Compensation for the role will be dependent on experience.
If you think you have what it takes and want to work with a great team then we'd love to hear from you.
Please send your resume and cover letter to: firstname.lastname@example.com
Only short listed candidates will be contacted.


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Baltimore rock band Have Mercy have released a music video for their new track, Good Christian Man, off their upcoming album Make the Best Of It.
Make the Best Of It is the third album to be released by Have Mercy, being released through Hopeless Records on April 21st and available to pre-order here.
What do you guys think of their latest track?


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Blog by Steve Laug
The next pipe to the worktable was one my brother picked up on EBay. I think the folk art carving in the shank and bowl drew him to this one. It has what looks like a poppy on each side of the bowl with leaves on the front and back as well as on the shank and the bottom of the bowl. The left side of the shank has the word CANNES carved into the briar and contained in rectangle with a thin box carved around it. I believe this is the French city of Cannes which is located on the French Riviera. I wonder if the pipe man who carved the pipe might have come from there or at least dreamed of that place. On the right side of the shank it is stamped Vielle Bruyer over Corse which translates from the French as Old Briar Corsica. The horn stem makes me wonder about the possibility of the pipe being a trench art piece carved in the trenches of WWI. I am not sure I will ever know for certain but I think that it would be an interesting addition to the story of this old pipe. It would be great to be able to add the information about the carver to the story of the carving and why he chose what he did – poppies and leaves with the word CANNES on the shank side.The pipe was dirty with grit and grime deep into the petals and centre of each flower and lines and grooves of the leaves. The horn stem was dried and was rough and dirty as well. It was also well gnawed leaving behind deep tooth gouges on the top of the stem and a bite through on the underside of the stem. The button was worn down and the slot in the end was almost filled in with tars and oils. It made me wonder how air was pulled through the shank through the stem.The photo below shows the dirt and stains from the smoker's hands on the shank and the bowl and the stem itself. It was an oily dark substance that had coloured the briar and the horn stem.Jeff took the above photos and the ones that follow to show the condition of the pipe before he began to do his magic on them cleaning them up. The bowl had a thick cake in it that had overflowed like lava to the top of the bowl. The inner edge of the bowl had nicks and cuts in it that looked like it had been damaged somewhere along its long life by a reaming with a knife. The next two photos show the bowl and the rim. The exterior of the bowl also had spots of paint on the briar that had been either dripped or smeared on the bowl sides. Jeff took some photos of the sides and the bottom of the bowl to give a clear picture of the carving on the pipe – the flowers and the leaves. The anonymous carver had carved a rectangle around the stamping on the right side of the shank. The stamping is clear and readable and as mentioned above translates as Old Briar Corsica. You can also see all the debris in the grooves of the carving. At the shank/stem junction you can see a small crack opening in the horn stem.The next two photos show the bowl with the stem removed. The stem had a spiral stinger screwed into the metal tenon on the stem. The tenon itself was also threaded and screwed into the horn of the stem.The next two photos show the damage to the stem surface. Not only were there tooth marks on both sides of the stem and a bite through on the underside near the button there was also a lot of damage to the button itself. The horn was very dirty and was rough and worn feeling. The horn had dried out and was close to delaminating. The first two photos give an overview look at the stem and the second set of photos show a close up view of the damage at the button end. Jeff carried out his usual detailed cleanup on the pipe. He reamed the bowl with his PipNet and Savinelli Fitsall Reamer and took the cake all the way back to bare briar. He scraped and scrubbed the rim and the bowl with a tooth brush and Murphy's Oil Soap until he had cleaned off all of the oils and debris from the bowl. He scrubbed the horn stem with the soap as well until it was clean. He rinsed the pipe and stem under running water to remove the grime and the soap. He cleaned the internals of the pipe with pipe cleaners, cotton swabs and alcohol. He unscrewed the spiral stinger and cleaned out the airway in the stem with alcohol and cotton swabs. Once the pipe was clean it joined a shipment to me in Canada. I took photos of it before I started my part of the work. It is a pleasure to work on clean pipes. I just had a thought about the pipe. There is something about the shape and the French stamping that makes me think it may well be an old Butz Choquin 1025 Rhodesian. I have a BC Rhodesian 1025 on my work table so I have included it below. You can see the similarity of the shapes. He cleaned the rim top and in doing so revealed the damage to the top of the bowl. The rim top has some deep gouges from the flat surface and the inner edge has some large nicks as well. Fortunately none of these go too deep into the briar so it should clean up well. The walls of the bowl look very good.The stem looks better than it did in the pre-clean photos but it is still in very rough condition. The ground in grease and grime in the surface of the horn has been removed. I am hoping that it will polish up better once I have repaired the damage on the stem.I sanded the areas around the damaged spots near the button and on the button with 220 grit sandpaper in preparation for repairing it with amber super glue. I also recut the edge of the button to give the button area definition before I repaired the button top and bottom as well.I pushed my wedge of cardboard covered with packing tape into the slot in the button so that I could repair the hole in the underside of the stem. This usually is a very simple repair. This time it got complicated. The wedge allowed the amber glue to slip past it into the airway in the stem. I was able to remove the wedge but the airway itself was sealed closed. Arghhhhh… just what I needed, more work on this old stem. I slipped a pipe cleaner into the stem from the tenon end and measuring it could see that the clog was not thick. I could put a pipe cleaner into the slot as well. From this I surmised that the blockage was about ¼ inch thick and it was hardened super glue. I decided to use a 1/16 inch drill bit and using my Dremel on the slowest speed carefully redrilled the airway. It is easy to go too far when drilling so I chucked it deep in the Dremel leaving only enough bit to penetrate the clog. I went straight in and broke through easily. I went in from each side of the slot as well to clean out the Y of the slot. I let out a deep breath – I had repaired my faux pas. I apologize for the fact that the whole process flustered me enough that I did not take any photos of this part of the process.
The good news was that the hole in the underside of the stem was closed off. I filled it with some more of the amber super glue and also added some more to the tooth marks and the split on the left side of the stem at the shank end. I have a piece of ebony that I have drilled out the size of a tenon so I stuck the stem in that to allow the glue to cure. The drilled block allows me to repair both sides of the stem and let them cure at the same time.Once the glue had cured I used a needle file to recut and reshape the edge of the button on both sides of the stem. I also reshaped the button surface on both sides at the same time. I used a round needle file to shape the slot in the end of the button and smooth it out. I set the stem aside for a while and turned to address the damage to the rim top. I topped the bowl on a sanding board with 220 grit sandpaper to remove the damage surface of the rim. I used a folded piece of 180 and 220 grit sandpaper to give the inner edge of the rim a slight bevel. This bevel took care of the damage to the inside edge of the bowl. I wiped the bowl down with acetone on a cotton pad to remove the remaining finish and the grime from the sanding process. I set the bowl aside to let the acetone evaporate and worked on the stem again. I sanded the repaired areas with 220 grit sandpaper to blend them into the surface of the surrounding horn. While they are shinier than the rest of the stem at this point they have filled in the surfaces and the hole and the stem is smooth once again.I worked on the slot in the button with a folded piece of sandpaper to smooth it out. I will need to do more work on that area but the shape is correct. That was the last remnant of the clogged airway that had to go. The flow of air through the stem is even and smooth now.The stem was loose in the shank so I painted the tenon with some clear fingernail polish to give it enough bite that it would sit snug in the shank. Once the polish had dried I pushed the stem into the shank to check out the fit. I took a picture of the pipe as it stood at this point in the process. I stained the bowl with a dark brown aniline stain and flamed it with a Bic lighter set the stain in the grain of the briar. I repeated the process until the coverage was even all the way around the bowl. I flamed it and set it aside to dry.When the stain had dried for an hour I took it off the stand and took photos of the bowl at this point. The scratches in the briar are very clear in the photos. I was going to need to do more work on the bevel of the inner edge of the rim as the damage was very evident in the top down view of the bowl. Before I worked on that though I wiped the bowl down with acetone on cotton pads to lighten the stain and make it more transparent. At this point I paused on the finish of the bowl and reworked the bevel of the inner edge of the rim with 220 grit sandpaper. I made the bevel a bit steeper to smooth out the damage on right and the left side.I wiped the rim down with alcohol on a cotton pad and restained the area with the dark brown aniline stain. I repeated the wipe down with alcohol to get the finish on the rim to match the bowl colours. I sanded the smooth surfaces of the briar with 1500-2400 grit micromesh sanding pads and wiped the bowl down with alcohol after each pad. I wanted to lighten the high spots on the carving while leaving the grooves and deeper marks on the leaves dark. I polished it further with 3200-4000 grit micromesh sanding pads to remove more of the brown stain and polish the briar further. I finished polishing the bowl with 6000-12000 grit micromesh sanding pads. Each grit pad brought more shine to the briar. The scratches in the smooth parts of the bowl add character to the old pipe and probably tell tales of pockets and packs that the pipe was carried in those many years ago. With the bowl polished I turned to polishing the stem with micromesh sanding pads. I wet sanded it with 1500-2400 grit pads and wiped it down after each pad with Obsidian Oil. I dry sanded it with 3200-4000 grit pads and wiped it down with the oil after each pad. I screwed the spiral stinger into the tenon before doing the final polishing. I finished the polishing with the 6000-12000 grit pads and I gave it a coat after each pad. The rubdown with oil was finished and I set it aside to dry. I put the stem back on the bowl and buffed the pipe with Blue Diamond. I used a light touch on the briar so as not to get the polish in the grooves of the carving. I gave the stem multiple coats of carnauba wax and the bowl several coats of Conservator's Wax. I buffed the pipe with a clean buffing pad to raise the shine. I hand buffed it with a microfibre cloth and it really deepened the shine. What started as a tired looking piece of memorabilia has turned into a beautiful looking pipe that is ready to load with a favourite tobacco and be enjoyed. The horn stem just shines with a new translucence that was long lost when I startd the process. The finished pipe is shown in the photos below. If you can add any information to the brand or to the carving leave a message in the comments below. Thanks for your help. Thanks for journeying with my on this old timer.


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Probably everyone who reads (beauty)blogs has heard knows the concept of Glossybox.
For those who don't have a clue: it's a box with five beauty products for 14.95 each month.
I am a member since november 2012, so a little over a year. At this point I'm starting to get a bit bored and I'm on the lookout for something new. But I was actually a bit surprised this month! 2 fullsize products and some extra's.
Take a look with me:
The products:
1. OPI – Shatter coat (13,95/Fullsize)
I was kinda surprised. A fullsize OPI nailpolish!! I love OPI! But there is a big downside: I already have this one. So I might sell it online or give it to somebody as a present!
2.Molton Brown – Warming Eucalyptus Bath & Shower Therapy (22,23/300ml)
I have never heard of this brand. There is also a 15% coupon added, so if I like it, I can try something else too.
3. Yves Rocher – Mascara (17.90/Fullsize)
I am really loyal to my mascara, but I'm willing to try this one, because I have positive experiences with Yves Rocher.
4. Glossybox By Kryolan – Blusher Glossy Pink. (12,95/Fullsize)
I love, love, love blusher! I also adore this color, so I really want to try it!
5. Mineral Care – Elements Body Lotion (19,95/400ml)
Another brand I don't know! So I really excited!
Extra 1. Kerastase – Elixir Ultime (37,10/125ml)
I tried some Kerastase products before. This Elixir is made out of 4 different oils. I always use oil, so also a good thing.
Extra 2. Azzaro – Chrome (48,80/50ml)
A small present for a special man in my life!
Glossybox also added a small magazine, with some looks, accessories and pictures.
Do you get a box like Glossybox? Which one?


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The White Death – Feature Film
The White Death, written by James Poirier, is a feature-film set in 1939 Finland. It tells the true story of Simo Häyhä – the most prolific sniper of ALL TIME – who lead his people to victory over the impending Russians in the Winter War of '39.
David McElroy is attached to direct. Legendary producer, Mario Kassar (T2, Rambo, Stargate) is set to produce.


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Some people object to the word "gay" to describe homosexual people. For some, it's purely a matter of language: They point out -- perhaps correctly -- that there's no other word in English that means "happy and carefree" as precisely as "gay" used to.
For others, though, the objection may arise from less lofty motives: For example, some anti-gay or homophobic groups insist on using hurtful slurs such as "fag" rather than "gay."
Both groups might be surprised to learn that "gay" as a term for homosexual has been with us longer than the gay rights movement that began in the 1960s.
The word "gay," meaning "happy and carefree," originally came to English from the old French gai, which John Ayto in his "Dictionary of Word Origins" calls "an adjective of uncertain origin connected by some with old high German gahi (sudden, impulsive)."
The origins of "gay" to mean "homosexual," however, are less clear.
Some have traced the word to the Gaiety Theaters of Dublin and the Isle of Man, or to young men who played the part of women in Shakespearean times and who were supposedly referred to as "the gays." Others have attempted to explain the term as an acronym for "Good As You."
Most authorities agree, however, that "gay" in the sense of "homosexual" arose in the early 20th Century from a hobo slang term, "gay cat."
It was in that sense that novelist Jack London used the phrase in "The Road."
"As chance would have it, this man was not a genuine hobo," London wrote. "He bore none of the ear-marks of the professional 'stiff.' Had he approached the rest of us, while waiting at a water-tank for a freight, we should have unhesitatingly classified him as a 'gay-cat.' Gay-cat is the synonym for tenderfoot in Hobo Land."
William Pinkerton, founder of the detective agency that bears his name, in the early 1900s defined "gay cat" as "one who cases towns and banks for future jobs." The "gay cat" was seen as half of a male-male partnership, serving as an apprentice to an older, more experienced tramp.
By the 1930s, however, the word was being used in its current sense. The Oxford English Dictionary cites the 1935 "Underworld & Prison Slang" by N. Ersine as defining "geycat" as a homosexual boy.
The history of the word "lesbian" is much more clear. According to the Merriam-Webster Dictionary, it comes from "the reputed homosexual band associated with Sappho of Lesbos."
Sappho, a poet, was born ca. 615 B.C. on the Aegean island of Lesbos.


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On October 10th, we had to put our other dog to sleep. It caught us totally off guard when he had some kind of a seizure last Tuesday. When that seizure thing was over, he wasn't the same again. He could walk, but he didn't seem to notice much of his environment or the people around him.
After we went to vet she told us he may had swallowed a poisonous substance which can be found in medication for horses; it made sense at first. However, his status didn't change at all, so we went to the vet again. Then, on further examination, there were like 5 different factors which COULD be responsible for the seizure, but we would have to test it one by one with no guarantee that even one would work at all.
We decided against the suffering…
I didn't sleep to well the past week and I was greatly slowed down due to knowing our second family dog was suffering downstairs all the time.
Blaze was one heck of a collie dog ~ anyone would miss him…
At least I sleep a little better now and can finally get back to the work I owe some of you, my patrons and myself as well.


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Gleny Rae and her Brunswick Playboys
Union Hotel Brunswick, Saturday 19th February 2011
I hadn't seen Gleny since the Lil' Band O' Gold tour last year so I was looking forward to this gig as I could not make the Junes gig in the countryside the next day.
This gig was a bit different as Gleny played with Dougie and special guest Sam Leman. I thought it went well and I enjoyed the new songs and getting to see Gleny play the guitar which I don't remember seeing her do before.
I know Gleny has some big things coming up this year and I hope she goes well in them and I am looking forward to seeing her next time she comes down to Melbourne.
Photo album created with Web Album Generator


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The power to manipulate chocolate. Variation of Candy Manipulation and Food Manipulation.
Also Called
- Chocolate Control
- Cocoakinesis
User can create, shape and manipulate chocolate, including dark, white and milk chocolate, and coca powder.
- Chocolate Attacks
- Chocolate Generation
- Manipulate the properties of chocolate.
- Move/Lift chocolate.
- Flight with chocolate.
- Matter Surfing by riding a mass of chocolate.
- Organic Constructs using chocolate.
- Chocolate Mimicry
- Chocolate Transmutation
- Combat Merging using chocolate.
- May be limited to certain types of chocolate
- May be unable to create chocolate, being limited to manipulating only from already existing sources.
- Distance, mass, precision, etc. depend upon of the knowledge, skill, and strength of the user.
- Most chocolates are fragile unless the user can increase their durability.
- Vulnerable to Heat Manipulation.
Known Users
- Heinrich Von Marzipan (Codename: Kids Next Door); temporary
- Majin Buu (Dragon Ball Z)
- The Chocolate Sailor (The Grim Adventures of Billy and Mandy)
- Fudgy (Lilo and Stitch)
- Big Choco (The Munchables)