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Freezer Burn The Invasion of Laxdale for DVD
In the small town of Laxdale, former pro hockey player Bill Swanson and local waitress Gina Larson believe that some mysterious crop circles are connected to a group of 'foreign investors' who have purchased the local granary. When a dead body turns up and it's not human, Bill and Gina discover that these 'off-worlders' are time-share developers who are planning to turn the earth into a Club Med for aliens. The duo must find a way to stop them before all humankind ends up working for minimum wage in the hospitality industry.


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By Ann W. Ramsey
Liturgy, Politics, and Salvation analyzes the competition among the Catholic League and the sovereign authority of the French crown within the center to overdue 16th century, as a conflict among 3 very various existential positions at the right kin among the sacred and the profane. This used to be a debate among Huguenots, Politiques, and the zealous Catholic Leaguers, which regularly resulted in open clash, violence, and an undermining of the supremacy of the French country. This publication presents a much-needed exam of the position of the Catholic League within the Counter-Reformation of France and the way this effect can nonetheless be felt this present day in French politics.
Read or Download Liturgy, Politics, and Salvation: The Catholic League in Paris and the Nature of Catholic Reform, 1540-1630 PDF
Similar Church State books
The Left Hand of God: Taking Back Our Country from the Religious Right
The unholy alliance of the Political correct and the spiritual correct threatens to ruin the the United States we like. It additionally threatens to generate a well-liked aversion to God and faith by means of deciding upon non secular values with a pro-war, pro-business, pro-rich, anti-science, and anti-environmental stance. over the last few a long time, the Republicans have accomplished political dominance by means of forging a union with the spiritual correct.
Secularism, Catholicism, and the Future of Public Life: A Dialogue with Ambassador Douglas W. Kmiec
How can faith give a contribution to democracy in an earthly age? And what can the millennia-old Catholic culture say to church-state controversies within the usa and all over the world? Secularism, Catholicism, and the way forward for Public existence, prepared in the course of the paintings of the Institute for complicated Catholic stories (www.
Inside the Muslim Brotherhood: Religion, Identity, and Politics (Religion and Global Politics)
During the last 3 many years, via rises and falls in energy, regime repression and exclusion, the Egyptian Muslim Brotherhood has persisted, proving extra resilient than the other Islamist stream on the planet. during this ebook Khalil al-Anani explores the standards that experience enabled the Brotherhood to outlive goodbye inside an ever-changing political panorama.
Blasphemous Modernism: The 20th-Century Word Made Flesh (Modernist Literature and Culture)
Students have lengthy defined modernism as "heretical" or "iconoclastic" in its attacks on secular traditions of shape, style, and decorum. but critics have paid strangely little recognition to the similar class of blasphemy--the rhetoric of non secular offense--and to the explicit methods this rhetoric operates in, and as, literary modernism.
Additional info for Liturgy, Politics, and Salvation: The Catholic League in Paris and the Nature of Catholic Reform, 1540-1630

subset: commoncrawl


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A Key West Wedding with Feel Good Vibes Galore!
Be on the lookout for: Delicate details galore, dreamy portraits, and a twinkle light ceremony. Shot mainly on film, the images from this album match perfectly with the romantic, colorful and elegant ambiance Amanda and David hoped it would be.
Invitations by Minted were perfectly sophisticated with geometric shapes, a leafy border, and copper foil-pressed detailing.
Breezy palm trees are all over the island at Key West which just added to the overall charm of this seaside affair.
Bridesmaid dresses were from Show Me Your Mumu, Adrianna Papell, and BHLDN.
The bride's gown was designed by Justin Alexander. And oh. my. goodness! Didn't the bride look beautiful?
Event Planning & Venue: Hemingway Home
Event Planning: Vicky Furman
Floral Design: Karro Events and Floral
Rentals: Eventfully Yours Rentals
Accommodations: Southernmost Beach Resort
Invitation Design: Minted
Hair and Makeup: Bella Luxe Hair & Makeup
Bridesmaid Dresses: Show Me Your Mumu
Bridesmaid Dresses: BHLDN
Bridesmaid Dresses: Adrianna Papell
Tuxedo and Mens Attire: Joseph Abboud
Shoes: Paradox London
Dress Designer: Justin Alexander
Dress Store: The White Closet Bridal
Transportation: Old Town Trolley Tours
Musicians: RUSTY LEMMON
Catering: Great Events Catering
DJ: DJ Buggy


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Dalua Australia provide the most stunning and easy to use dosing pumps and aquarium life controllers for the simple fact that they are specifically designed for the professional and hobbyist alike. We use our knowledge and understanding of these special concepts to create systems that enhance the aesthetic appeal of the aquarium whilst being highly practical. We have a team of designers and engineers who love fish and aquariums as much as the enthusiast. They work hard to design fish tank and aquarium dosing pumps whilst keeping the beauty of the aquarium and the life within.
Given that your marine tank requires dosing constantly you need specially-designed dosing pumps that are reliable and easy to use to enhance the tanks performance whilst being safe for the tank inhabitants. Our EKORAL dosing pumps do just that – it creates a visual appeal unlike any other and will only enhance the tank and the fragile ecosystem inside. Our dosing pumps contain features such as wifi controllability from anywhere in the world, 4 channels to control and an amazingly user friendly app which make it perfect for your coral reef aquarium. Our dosing pumps are great for any level of enthusiast: for a first-time kit to a large commercial aquarium, Dalua can help you find the right solution for your tank.
If you have any further enquiries about our range of protein skimmers or have any questions about other products available on our site such as marine lighting, feel free to get in contact with our friendly team of staff. We are committed to providing an exceptional level of customer service, and are happy to chat about your system and what it requires for effective protein skimming.
Fill out an enquiry form on our contact page or call 0406 111 223 and one of our friendly team of staff will be happy to assist you with your enquiries.


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Each month the UB Staff will create a webinar/online lesson for students to complete. Please complete this during the month it is assigned. They should be fun and exciting!
Monthly Webinars
April Return Trip - Makeup Webinar
March 2019
February 2019
January Return Trip - Makeup Webinar
1-10 of 31


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The head of Donetsk Igor Martynov invited dwellers of Donetsk to spend New Year Night in the central Lenin Square. The correspondent of Novorossiya reports that the mayor of the city has announced today coming festival events.
City authorities are planning to cancel closing time n the New Year's Eve. The authorities of City Administration addressed with such proposition to the head of the Republic Alexandr Zaharchenko.
The visit of dwellers of Donetsk who were left without accommodations as a result of military action was planned by the city administration the nearest days. They will visit people who are living now in hostels and even in bomb shelters, they will give presents and humanitarian aid for people.
Generally, city authorities look to the future with optimism. 'All these cataclysms have more strained and political character. I hope that military actions will have been fished up to the end of this year, and we will get ability to lead normal life. Believe me that Ukraine will be jealous of dwellers of the DPR in regard to the living standards and attitude to people', pointed out the mayor.
- Будь в курсе последних новостей и интересных статей, подписывайся на наш канал «NovorossiaToday»
- Be aware of the current events and interesting articles, subscribe to our channel «NovorossiaToday»
- Pour ne rien manquer de la derniere actualite et des articles interessants, suis notre chaine Telegram en direct«NovorossiaToday»


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37tips For Healthier Life
Often be pleased.
Capture a 10-30 mins walking each and every day.
Rest for no less than 7 hrs.
Attend quiet for around 15 minutes every single day.
Alive with the/Enthusiasm/Empathy that is 3Es-Energy.
Gamble most video games.
Year read more books than you did in last.
Render time and energy to apply reflection, pilates & prayer. They supply you with everyday energy in regards to our active lifestyle.
Spending some time with others on top of the age-group 70 & beneath the age 16.
Desired most while you're conscious.
Eat noticeably more ingredients. That build on woods & flowers and consume less food items that will be created.
Drink lots of water.
Try making no less than three visitors laugh every single day.
Dont spend your own energy that is precious on.
Skip problem of history. Dont advise your own companion their problems of history. That can spoil your overall pleasure.
Dont posses mental poison or items you cannot get a handle on. Rather spend your power during the good moment that is present.
Know that full life is actually a college and you are clearly right here to educate yourself on. Troubles are just area of the program that look & fade away like algebra course nevertheless the instructions you understand lasts a full life times.
Consume morning meal like a master, meal like a Prince, meal like a beggar.
Laugh & laugh much more.
Every day life is too-short to spend time hating any one. Dont dislike other individuals.
Dont examine your daily life to people. You have got no basic tip just what her quest is focused on. Dont examine your spouse with other people.
You do not need winnings every discussion. Consent to differ.
Make-peace together with your past as a result it wont spoil today's.
Nobody is accountable for your own pleasure except your.
Forgive folks for anything.
How many other men consider your try nothing of your own companies.
But close or terrible a predicament try, they shall transform.
Their job wont take good care of your if you're unwell. Friends will. Keep in touch.
End things that isnt helpful, joyful or beautiful.
Jealousy try a complete waste of times. You currently have all you have to.
The number one try but in the future.
It doesn't matter what you're feeling, wake up, dress-up and arrive.
Carry out the thing that is right.
Name your children typically.
Your own internal many is obviously pleased, thus feel pleased.
Each give something good to others day.
Dont overdo. Keep limitations.
Relevant Labels :
Pressure / Never Ever Sense Crazy Once Again / Peoples Body Organ Timings /
Standard resources of body of a human / bloodstream /


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Blancpain Villeret Moonphase Complete Calendar 6263-1127a-55
- Stock #: WP1057
- Brand: Blancpain
- Series: Villeret
- Model: 6263-1127a-55
- Retail Price: $11,700.00
- Please Inquire
Condition: New
Gender: Men's
Dial Color: White / Light Silver
Case: Stainless steel 38mm
Strap: Crocodile Leather
Bezel: Stainless Steel
Crystal: Scratch Resistant Sapphire
Movement: Automatic
Water Resistant: 30m / 99ft
Box: Yes
Papers: Yes
Certificate of Authenticity: Yes
Warranty: Yes
Additional Information:
Brand new Blanpain Villeret Moonphase Complete Calendar,
Model # 6263-1127a-55.
Stainless steel 38mm case. Sapphire crystal glass front and back. White / Light Silver dial with Roman numeral hour markers. Stainless steel crown. Crocodile leather strap with stainless steel pin buckle. Hours, minutes, seconds and moonphase. Day and month windows at the 12 o'clock position. Date with a circular pointer. Stainless steel bezel. Automatic movement, Blancpain Caliber 6763, composed of 261 components and 30 jewels and power reserve of 100 hours. Waterproof 30m / 99ft.
Also known as:
Blankpain, Blancpan, Blankpan, Villarat, Vileret, 6263, 62631127, 6263.1127a.55, 6263/1127/55
Subject to Availability


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Optimize your HR management with the ADP Associate login method, detailed below. With this website, you can access information regarding your plan, and a lot more.
Requirements for the ADP Associate Portal Login
Sign In by taking care of the following requirements.
- Set up a strong and reliable connection to the Internet.
- Use a device with a web browser that can connect to the Internet.
- Speak English to use the site and understand the steps listed below.
Guidelines for the ADP Associate Portal Registration Process
To register, your company must first be clients of ADP. You can then get information on how to login from your supervisor. Once you have the necessary information, go to the given link and activate your online account. You will need to verify your ID, and then provide information like your Username and Password to activate the account. You also need to set up security questions to make your account more secure.
Go to the website https://myadp.adpcorp.com/wps/portal for more information on how to activate your account, as well as how to deal with issues while logging in.
Guidelines for the ADP Associate Portal Login Process
Follow these steps in order to access your online account.
- On your computer, open up the following address using your web browser: https://www.adpcorp.com
- In the given space, provide your Associate ID and Password.
- Click the link 'Agree' to get access to your Associate Portal account.
- If you forgot your ID or your Password, you can recover them using the links 'Forgot ID' and 'Forgot Password' respectively.
About ADP
ADP is a company providing clients with software that integrates computing techniques with HR management principles. ADP started out in 1949 and is based in Roseland, in the state of New Jersey in the United States.


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Kukicha - Stem Tea Posted on 25 Aug 22:15 , 1 comment
Kukicha is stems of green tea. Kuki meas stems in Japanese language. Cha meas tea in Japanese language. Green tea stems are what is left over after the mail loose leaf green teas (Gyokuro, Sencha, etc) have been processed.
Kukicha has much more L-theanine than other Japanese green teas. This is because stems of green tea store more L-theanine than green tea leaves do. Therefor the taste of Kukicha is very mild. The price of Kukicha is very reasonable.
If you are looking for Japanese green tea that has lots of L-theanine, you should try Kukicha.


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Upcoming Shows
I've got some upcoming shows to announce: I've been invited to take part in the State of Texas Printmaking show at the Spring Creek Campus of Collin County Community College in Plano, Texas. The show runs from August 22 – September 8, 2016. The artists' reception is Thursday, September 1, between 4:00 – 7:00 PM. The second art show will be at the Bath House Cultural Center in Dallas September 3-October 1, 2016, with a reception September 3rd 7-9 pm. This is a "pre-show" for all the artists taking part in the White Rock Lake Artists 24th Studio Tour. This will be my first year as a member of the Tour, which is a great opportunity to meet Dallas artists, tour their studios, and buy art. It is a fun event with some really wonderful artists and I'm excited to be on the Tour, which will be held on October 8 and 9th. Check out their website for maps and further info: http://www.whiterockartists.com/
Suffice it to say, I'm very busy right now printing and prepping. Since Texas is so hot in summer, being inside at the press is a pretty nice place to be!
Leave a Reply.


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Fresh Air All Natural Artisan Soap - Wholesale
Regular price $3.00
Shipping calculated at checkout.
This essential oil blend is so fresh! It's like walking through the woods on a dewy spring morning!
Our fresh air all natural artisan soap, as with all our soaps, is phthalate free, paraben free, formaldehyde free, sulfate free, and also detergent free! They are also vegan friendly!


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View this post on Instagram
I do this #calligraphy thing often ✌🏾. #igdaily #instagood #instamood #instadaily #iphonesia #iphoneonly #beautiful #love #flourishes #flourishforum #calligraphy #kaligrafi #kaligrafia #bestoftheday #photooftheday #pilotparallelpen #parallelpen #goodtype #thedailytype #blackandwhite
If you are in college or just out of college and you are frustrated with the way your career is going, you have to keep doing it often. By doing it I mean graphic design. Sure you are upset at not finding that job or having clients. But doing graphic design work often will polish your skills.
Because you have to truly want to be a graphic designer. Think for the long game and not the short game. Many times we focus on the now and what can we do to get paid. Even though I do understand people have bills to pay and demands to be met. You just have to truly believe in your heart that it will get better.
Truly loving graphic design comes from within. If you are thinking I will be a graphic designer because it is easy. Well its not easy at all. You can teach people how to be creative, but being creative is whats difficult. Just because you learned how to be a graphic designer in college it does not mean you have finished learning.
Also if you believe like I do that your time may not have come yet. By that I mean you have not reached your plateau yet of being a good designer. Or you have not found an employer who is willing to invest in your skills to make you a fit for the position you are applying. Because people will promise you so many things and then do absolutely nothing.
Learn to see through the bullshit immediately. If someone says I will recommend you after you do this job for me and not want to pay you. Well they are doing nothing other than taking advantage of you. You want to know why? Its because they do not value you and or your profession.
Setting goals for yourself as a designer are very important. There is many ways you can set goals and achieve them for yourself. I for one set a goal to do at least one branding project that will help someone at least once a week. Well I fell off the rails and slipped up and let life creep in.
The amount of discipline being a designer takes a lot of time. You have to sit down with yourself and then focus on your strengths. I for one focused on my strengths of typography and I have made drastic improvements.
If I took the time and did not focus on what I was somewhat good at I would've taken a longer route. Which is pretty interesting on how that works. When you focus on your strengths then the weaknesses are very minuscule. Then they tend to take care of themselves.
The act of cutting out what you are doing that is not helping you as a graphic designer is needed. If you want your life to change you have to focus. For example being out with friends drinking, and getting in trouble or whatever you're doing is not going to do any good. They are simply distractions from the real goal here. But I mean if you are just being a graphic designer for the moment that is ok. We are able to use what we learned as a graphic designer and move with those skills in the real world to other industries and starting up a business.


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Leaving Things In Windex For A Month
Do Slim Jims explode or turn everything red when left in Windex for a month? GMM #1546 See Rhett & Link play live in your city: tour tickets @ https://www.rhettandlinklive.com/ Watch today's GMMore: https://youtu.be/i4GAYzc0nm0 Click the bell icon so you'll know when we add a new episode! Want more GMM? Watch this season from the start: http://bit.ly/GMM_Season15 Pick up official GMM and Mythical merch at https://mythical.store and https://www.amazon.com/mythical Don't miss our weekly podcast, Ear Biscuits: https://applepodcasts.com/earbiscuits Join the Mythical Society: https://www.mythicalsociety.com/ Pre-order our new novel: https://www.mythical.com/bleak-creek Follow Rhett & Link: Instagram: https://instagram.com/rhettandlink Facebook: https://facebook.com/rhettandlink Twitter: https://twitter.com/rhettandlink Website: https://mythical.com/…Read More


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Balanced hormones are essential to women's health. Hormonal balance helps women go smoothly from puberty and pregnancy to menopause, minus the mood swings and sugar cravings. When your hormones are well balanced, life feels amazing. Your emotions are stable and your menstrual cycle is regular and reliable. But when your hormones are out of whack, unpleasant symptoms start to pile up, and quick. Symptoms of hormonal imbalance are super common for women, so read on for our top tips on supporting better hormonal health, naturally.
What are symptoms of hormonal imbalance?
Hormone imbalance can cause a host of uncomfortable symptoms for women. Irregular menstrual cycles, severe cramping, excessive bleeding or lack of bleeding can make your period anxiety-inducing. Other symptoms include mood swings that take you on an emotional roller-coaster throughout the month, sneaky weight gain, brain fog and headaches, low libido, and fertility struggles.
What causes hormonal imbalance?
As with most things, stress is a big player when it comes to messing with hormonal health. A sedentary lifestyle and overall lack of exercise can also make symptoms worse. Add that to a nutrient-poor diet and exposure to environmental toxins, and you've got the perfect setup for hormonal imbalance.
Tips for balancing your hormones, naturally
Optimizing your health routine to better support your hormones is the ultimate self-care plan. If you currently have symptoms of hormonal imbalance, you'll probably experience some fast relief when you incorporate these healthy, easy tips into your life.
Feed your hormonal health
Support healthy hormones with your diet picks. For better hormonal health, make sure you load up on good fats like ghee and coconut oil. Try fiber-rich foods like tasty whole grains. Ingredients to avoid for better hormonal balance include trans fats, too much sugar, and refined carbs. Swap them for healthier, more nourishing whole food alternatives.
For more information on menstrual problems check out our Treat Period Problems Naturally blog
Choose organic and non-toxic
Curb your exposure to environmental toxins by choosing organic. Pesticide residue and other harmful chemicals can disrupt your hormones and contribute to hormonal imbalance. Look beyond your fridge: choose organic and non-toxic skin care and household products like dish soap and laundry soap, too.
Build better hormonal health with herbs
Adding medicinal herbs to your health routine is one of the best ways to balance your hormones and deal with hormonal imbalance symptoms. Vitex Combo brings natural hormone-balancing properties along with adaptogenic stress relief and PMS support.
Have questions? Just visit our Great Questions Answered page to learn more or to submit a question.


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The Care Quality Commission regulates Adult Health and Social Care services in England. CQC carries out monitoring and inspections of all Healthcare Providers to ensure that they are meeting essential common quality standards.
CQC can rate Providers as Poor, Adequate (1 star), Good (2 stars) and Excellent (3 stars).
At our most recent inspection in May 2010, The Evergreens received a 2 star rating confirming the high quality of the Home.


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Oncologist: Women run greater advanced cancer risk due to waiting
A leading international oncology and hematology specialist is urging medical practitioners in The Bahamas to persuade patients to act immediately on early signs of breast cancer, noting that many women are adept at avoiding follow-up scans and exams, leaving themselves vulnerable to more advanced stage cancers that are harder to treat.
Dr. Zeina Nahleh, who serves in a dual capacity as chair of the Department of Hematology-Oncology and director of the Cleveland Clinic Florida Maroone Cancer Center, ranked among the best in the nation, made the comments while addressing the Grand Bahama Medical Conference in Freeport, on February 23.
"Indicators that the medical community recognizes but patients often do not include hereditary factors, the likelihood of diagnosis before the age of 50, and whether or not there is Eastern European or Jewish descent," said Nahleh. "Understanding the increased genetic risk enables you to evaluate your options in advance."
Along with heritage and family medical history, research continues to reaffirm that lifestyle plays a critical role. Excessive alcohol consumption, a poor diet heavy on processed or fast foods and obesity contribute to the likelihood of cancer, and part of the greatest concern is the young age at which Bahamian women experience the disease.
According to Minister of Health Dr. Duane Sands, black women in The Bahamas are diagnosed with breast cancer two decades earlier and usually two stages later than most women elsewhere in the world.
That is one of the reasons Nahleh pressed the importance of paying attention to the first sign of a lump, fatigue, insomnia or loss of appetite, and follow through when a medical professional recommends further tests.
She said that sadly, too many women who could have caught their cancer earlier and improved their chances of remission or full recovery, wait. She said they "lack seriousness" or do not have enough faith in the exams, and they often do not go back for a suggested scan, because their previous scan showed nothing, so why go again. She said many also had concerns with costs, insurance, and scan issues.
"But the most important thing they need to realize is the sooner the detection the easier the cure," said the specialist, a certified principal investigator (CPI) by the Academy of Clinical Research Professionals.
Even when a patient presents with advanced stage breast or other cancer, Cleveland Clinic Florida handles the case on a team basis, said Nahleh, who herself leads a multi-disciplinary team of cancer specialists including surgeons, hematologists and radiation oncologists, treating patients with solid tumors and hematologic malignancies.
"We are a team-based cancer center so you have a medical doctor, surgeon, plastic surgeon, the whole team working together, and many times we can do a one-day appointment through one of our international coordinators. We also look at the therapy — including for the family, before and most importantly, after the initial treatment or surgery."
Cleveland Clinic Florida has long been a go-to medical facility for Bahamians. Physicians, surgeons and specialists work closely with the Bahamian medical community, lending patient support, discussing results and treatment options, knowing many patients prefer to be close to home as much as possible and treatment that may take place in Weston, Florida, may require follow-through once the patient is back in The Bahamas. The facility also notes that some of the most sophisticated diagnostic and surgical medical equipment costs in the seven figures and would not be feasible or a practical expense for any nation with a small clinical population.
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text: I purchase an iphone 3g 8gb from ebay - found out it was unlock and jailbroken. The seller left lots of info on the phone which I have been able to remove but one bit I'm stuck on. itunes. I set up an account for myself but when you sync the phone it comes up with the sellers name and the phone serial number. I dont know how to change the ownership of the phone in itunes to me. Also when you go onto the internet on the phone it shows her email address and wants her password, I can't delete that either. I have tried getting in touch with her but no suprises she just said all passwords are still live and to look it up on google!!!!! . So if anyone can help me delete her from itunes and my phone I would be really grateful. I know I can't update or restore or I'll loose my unlock (not too worried about the jailbreak) just want to delete her.


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How To Build and Grow a WordPress Website Webinar Playback
Playback with Printable and Linked Guide
This two hour webinar will take you through a start to finish set up of WordPress.
- Domain Name Registration
- Hosting and Basic Set Up
- Installing a Theme
- Plugins
- Settings
- Security
- Gutenberg
- Widgets
- Categories, Posts, Pages, Tags
- How to Use Your Website
Once you purchase the webinar event, you'll have immediate access to the course and will receive a link for the webinar. You'll be reminded 24 hours before and 1 hour before the event.
One person per name/email will be permitted.
You'll also gain access to The Ballen Method to WordPress Course which is where your playback of this event will be posted shortly after the event.
Your Instructor
Lori Ballen is a serial entrepreneur with a passion for marketing. She earns 6 figures as an affiliate marketer and has multiple personal businesses. Lori believes in 7 streams of income and has businesses including anti-aging shampoo, real estate, keto coaching, a digital marketing agency, a training company, an affiliate marketing business and more.
She will tell you that one thing never changes regardless of the niche. You must determine who your audience is (or who you want it to be), create a product and a message unique to them, and get it out there in massive volume.
This is done through digital marketing strategies she teaches through courses, live events, video, and more.
Course Curriculum
Frequently Asked Questions
FREE for Ballen Method and 7th stream Coaching Subscribers!
Our webinars are sponsored by Listings To Leads, a Real Estate Marketing Platform. They have given my guests an extended free trial of their system which you can access here.


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This company has no active jobs
Order Magnetic Signs For Concert EventsAre you in need for some wonderful ideas on a retirement gift that your favourite retiree will surely appreciate? A person know tips on how to choose quite best gifts for retirement? How sure have that they will not be offended having your choice of gifts? For need some assistance along these lines, listed some ideas that can assist inspire you in finding the best retirement gift.
I'm as serious as being a Heart Attack and a major Stroke coupled. Your Opt-in Form should be on every page of your website, provides the surfer/visitor multiple chances to Opt-in to your service, free report, eCourse etc.
DH: Yeah. I have this weird thing with buying couches. Just like any two years, I end up hating my couch. Do not think know why, but I sell my old one and buy a new . It's definitely very strange. Additionally move furniture around a whole lot too. Probably once 30 days I'll rearange the furniture in home. I'll affect what paintings or candles or plants around too. My pals always joke whenever are usually to home about the direction they have no idea where the hell anything is, because I'm constantly moving that it. I just prefer to create new space. When ever I feel stressed out, or optimized is weird, I move stuff in and around.
Think into it.whose being promoted on this web site? Is it a great Program? I am hoping so truly. but don't hit me, the prospect, with it initially. Treat a prospect like a primary Date. As part of your first date with a good looking young lady, does she pay for dinner, does she obtain a very posh restaurant meal, does she settle the theater tickets, Concert Tickets etc.?
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With intense competition to get and retain customers, credit card companies are offering a great bouquet of rewards. Today over 58% of credit card issuers are offering customer rewards that might be excess of your penny along with dollar.
Have amazing Christmas and New Halloween. Make sure you love all the gifts get from others, as well as time you have making your donations pretty. Now go and prepare for the happiest festive season ever at a time family.


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B.C. Association of Clinical Counsellors Renewal Form - April 1st 2019-2020
The BC Association of Clinical Counsellors is a society of regulated Clinical Counsellors dedicated to providing the highest standard of professional counselling, consulting, assessment, testing and training services. Members of the society act to enhance mental health by providing responsive, accountable, and ethical counselling, consulting, assessment, testing and training services to individuals, couples, families, and groups.
For online enrollment, you must complete the application form below. If you prefer not to use the online application and payment method, download and print the PDF form. Please click here and return to:
The Mitchell & Abbott Group Insurance Brokers Limited
2000 Garth Street,
Suite 101
Hamilton, Ontario
Please click here for the BCACC Summary of Insurance Benefits (PDF)


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PU Foam for Mattress, Sofa-Sets, Upholstery, Quilting, Chairs, Benches
Bra Cup, PU Foam, Swimwear Cups,PU Foam for Bra Cups, Moulded PU Foam cups
Contact Us
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Plot No. 14, Sector 135, Gautam Buddha Nagar Noida U.P. 201301, Uttar Pradesh - 201010, India
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We make different foams to manufacture different kinds of mattresses. We use HR Foam, feather foam, memory foam etc.
Our products are manufactured keeping in mind international quality standards. Thus, they are reliable and worth their price. We believe in transparency when it comes to payment of advance or full cost. We provide our patrons with numerous payment options for their convenience and ensure the methods are safe.


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Incumbents blame losses on race bias
Incumbents blame losses on ethnic bias
But consultants say 2 Hispanic Republicans just ran poor campaigns
AUSTIN — Hispanic candidates ran strong in many Republican primary races across Texas this week, but two candidates are blaming their losses on racially polarized voting.
Election returns and political consultants, however, say the losses of Harris County Tax Assessor-Collector Leo Vasquez and Railroad Commissioner Victor Carrillo had more to do with personal issues and poorly run campaigns than ethnicity.
Carrillo's father and half-brother died last year, and Carrillo underwent surgery for a benign brain tumor, all affecting the time he spent campaigning for re-election. Vasquez lost social conservative support, local Republicans said, because he lives with a woman married to another man.
Carrillo started the ethnic angst with an e-mail to supporters indicating racial bias had cost him re-election. That was followed up by Vasquez's campaign manager and girlfriend, SuZanne Feather, sending out an e-mail saying there were "many similarities" between Carrillo and Vasquez's loss on Tuesday to tea party activist Don Sumners. Vasquez joined in during an interview with the Houston Chronicle.
"It is perplexing that someone could basically spend no money whatsoever and mount no campaign and win as handily as he did," Vasquez said. "The same thing happened in the Victor Carrillo race as well."
But Vasquez's predecessor in office, Paul Bettencourt said Vasquez lost because he had issues in his personal life that cost him the support of social conservative organizations.
Consultant Allen Blakemore, speaking for social conservative leader Steve Hotze, said Republicans were upset with Vasquez for settling a voter-registration lawsuit with Democrats and for not being as vocal on property tax increases as Bettencourt. Blakemore said the "final blow" came when social conservative leaders learned Vasquez lives with a woman married to another man.
Vasquez admitted social conservative leaders Hotze and Terry Lowry "probably got him (Sumners) another 10,000 votes and maybe even made the full difference between us."
"The Republican Party, especially in Harris County, has been, unfortunately, overly controlled and influenced by a small, but vocal group on the religious right, and we need to get back to the core principles of fiscal conservative issues rather than these social issues that are being perpetuated by that small, but vocal, minority," Vasquez said.
He refused to discuss whether his personal life made a difference. He and Feather said they have had a relationship for a decade.
"Our relationship never seemed to be an issue while we were out writing the checks and putting up the signs and doing other grass-roots work for the Republican Party," Vasquez said.
Carrillo, who won the 2004 Republican nomination by defeating an Anglo in a runoff, stunned many Republicans by putting out an e-mail blaming his loss Tuesday to a little-known opponent, David Porter, on racially biased voting.
"Early polling showed that the typical GOP primary voter has very little info about the position of Railroad Commissioner, what we do, or who my opponent or I were," Carrillo said in an e-mail to supporters. "Given the choice between "Porter" and "Carrillo" — unfortunately, the Hispanic-surname was a serious setback from which I could never recover although I did all in my power to overcome this built-in bias."
Outreach efforts
Republicans have been trying to reach out to Hispanic voters in recent years, but they have been hurt by anti-immigration rhetoric that some take to be anti-Hispanic sentiments. Carrillo's statement likely will fuel that fire.
Election returns from Tuesday's voting show Carrillo lost not only statewide but also in traditionally Hispanic counties, such as Hidalgo and Cameron.
In the Supreme Court Place 9 race, down the ballot from the Railroad Commission race, there were more than 1.1 million ballots cast in a race that gave Eva Guzman the nomination over Rose Vela — meaning at least some of the voters who cast ballots for Porter also voted for one of the Hispanic women.
Republican consultant Ted Delisi said Carrillo spent far less than Railroad Commissioners Elizabeth Ames Jones or Michael Williams did on their re-election campaigns and said Carrillo did little personal campaigning.
"In the end, a bad campaign is just a bad campaign," Delisi said.


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Lavner Camps at Stuart Country Day School
We are excited to offer Graphic Design Camp at Stuart Country Day School this summer! Campers work in groups to develop and design a brand for a business of their choice. Using Adobe® Photoshop®, Illustrator®, and InDesign®, campers learn to complement their creativity with the proper technical skills to produce designs to communicate messages and leave lasting visual impressions. Campers may choose any business, including (but not limited to): a gym, clothing store, restaurant, professional sports team, movie theater, video game design company, and more! Once the business is selected, campers then create designs for logos, business cards, posters, signs, brochures, t-shirts, and other items marketing their business. Campers also learn about the value of good project management, "soft" and "hard" deadlines, and the basic psychology of grabbing the attention and creating positive responses from consumers. Grades 5-8
iD Tech Camps Held at Princeton
iD Tech is the world leader in summer STEM education, with over 400,000 alumni since 1999! Programs for ages 7-19 are held at 150 prestigious campuses in the USA, Europe, and Asia, including Princeton, Stanford, NYU, HKU, and Imperial College London.
Students build in-demand skills for futures in coding, game development, robotics, and design, and learn in guaranteed small classes (10 students max per instructor).
In addition to the flagship program, iD Tech Camps for ages 7-17, iD Tech also offers all-girls camps, teen-only Academies, an advanced capstone program, and year-round Online Private Lessons.
Do you want to learn Chinese? YingHua International School offers 3 different levels of Chinese immersion culture camp for students, ages 2 to 10. Young campers will leave singing folk songs and speaking basic Chinese. Some of the Cultural activities include, but are not limited to, Chinese calligraphy, Chinese Yoyo, Dance, Cooking and Handcrafts. School field trips are scheduled every 2 weeks. All classes are taught entirely in Chinese. Before and after camp care will be available at an additional cost. No prior Chinese knowledge necessary. More info: www.yhis.org/programs-e/summer-camp-2017.html
Academic Camps Acting/Writing Camp Art Camps Community Service Camps Computer & Technology Camps Cooking Camps Day Camps Environmental Camps Family Camps Graphic Arts Camp Language Camps Minecraft Nature Camps Other Camps Performing Arts Camps Pre-school Camps STEM Science & Technology Camps Sports Camps Summer Activities
Summer Camps & Summer Teen Art Studios: June 24 – August 30 at The Arts Council of Princeton
There's still time to sign up your child for summer arts at the Arts Council of Princeton! This summer we are excited to offer 10 weeks of camp programming for ages 5-16 at the Paul Robeson Center for the Arts, conveniently located in downtown Princeton. Led by professional artist educators, campers will be guided along the way to achieve individual creative goals while exploring drawing, painting, ceramics, sewing, digital and mixed media art forms. Paul Robeson Center for the Arts, 102 Witherspoon Street, Princeton NJ. Full descriptions/register at www.artscouncilofprinceton.org/


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Christine Gevert's Crescendo chorus and musicians performed a program entitled "The Sound of the Trumpet: Celebrating Life in England and New England" at Saint James Place in Great Barrington.
They opened with a Jubilate Deo by contemporary composer Scott Perkins. Based upon Psalm 100, this emphasized God's gracious mercy. The choir sang with delicate modulation and grace.
"A New England Requiem" by Scott Perkins is a new composition, premiered last year on April 25th at the Bethesda Lutheran Church in New Haven; it features liturgical texts paired with 19th century American poets: Emily Dickinson and Nathaniel Hawthorne of Massachusetts, Henry Wadsworth Longfellow of Maine, and Lydia Sigourney of Connecticut. The 25-minute work, scored for choir, soprano soloist, organ, and chamber ensemble, provides a mediation on death.
In Emily Dickinson's "Because I could not stop for Death" the ironic gentility and civility of Death personified becomes a powerful image that hovers over the brief narration of Dickinson's poem, which overshadowed the consoling sentimentality of Longfellow's "A Psalm of Life" and Hawthorne's "Go to the Grave," even though they was sung with eloquent pathos. The Latin vs. English structure and the sacred vs. secular pairing endowed the piece with impressive historical sweep of the passing centuries. Soprano Mavis Hsieh sweetly sang the Latin lyrics.
The Connecticut poet Lydia Huntley Sigourney (1791-1865) is remembered chiefly for her poems on the death of her children, an all-too-common occurrence during her lifetime. While overlooked as a sentimental poet, some of her poetry contains authentic tragic pathos. "Death of an Infant" is one such poem, here paired liturgically with Agnus Dei, which I found to be inappropriate—what does an infant's premature death have to do with the sins of the world?
The arrangement and singing of the Emily Dickinson poem provided the exciting highlight of the first half and the most memorable event of the evening. The choir sang this with subtle "shifting of gears" with intricate pacing that was a marvel to hear.
Sir John Tavener's "Song for Athene" (1933) was an elegy for a young Greek actress killed in a cycling accident. The Hebrew Alleluia ("praise the Lord") supplies the incongruous refrain with mellow resignation aptly articulated by the chorus. Some glancing lines from Shakespeare's Hamlet intermingle with Greek Orthodox liturgy—the conceit being that the actress was a contemporary Ophelia slain by the advent of automobiles.
Henry Purcell's Funeral Sentences for Queen Mary of England, Z. 860 (recently played at Diana Spencer's funeral) continued the maudlin motif. Although Purcell, that great genius of the middle Baroque period, died young (about 35 or 36), he earned the posthumous nickname as Brittan's Orpheus. I attempted, in vain, to revisit Manfred Bukofzer's cranky 1947 complaint about the annoying trumpet in Te Deum & Jubilate Deo, Z. 232; with virtuoso Chris Belluscio suavely playing on natural trumpet, this objection did not stand. (Perhaps Bukofzer had heard a show-off horn?) Hideki Yamaya on theorbo cast a welcome, atmospheric undercurrent to the melody, as Edson Scheid's violin soared with liquid smoothness in the upper register.
The chief pleasure of Purcell's Te Deum lay in the voices of five singers: Sopranos Catherin Hancock and Jennifer Tyo marvelously singing in sync; Nicholas Tamagna as a countertenor with subtle, declamatory variation; Stephen Hassmer as forceful, theatrical tenor; Andrew Padgett as powerful bass delivering that spine-shiver.
Since London is not around the corner, the performance of the Purcell was a rare treat offered by the energetic director Christine Gevert, who conducted a recent interview with TMI here. This program will be repeated at Trinity Church in Limerock, CT, tomorrow afternoon at 4 pm.


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Adobe Training and Web Design Classes in Breckenridge
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American Graphics Institute offers live, instructor-led training classes in Breckenridge, CO. These are available as live online courses for individuals, or private in-person training for groups.
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Iris dress
Designed to effortlessly drape over the body. This floor skimming silhouette flatters all body shapes. Its subtle white on white print enhances the effortless beachwear style.
- 55% Linen/ 45% Rayon
- Slips on
- Hand printed
- Plunging v-neck
- Gathers at the front
- White triangle print
- Machine washable
- Made in Puerto Rico
Length Measurements: 47.5in / 120cm.


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Sure, many famous people were angry earlier this year when Donald Trump made the potentially catastrophic decision to pull the United States out of the Paris Climate Agreement. And while all those celebrities spoke out against what Ava Duvernay called the president's "shameful" move, no one did so more effectively than the Weather Channel, aka weather.com, which decided to devote its entire website to proving that climate change is real, and trolling President Trump for even considering withdrawal from the landmark accord. (A story headlined "Still Don't Care? Proof You Should," was followed by two separate stories with the headlines "...and More Proof..." and "...and Even More Proof...")
And now, front and center on the Weather Channel homepage in bold, all-caps, oversized letters until this Saturday, is the phrase "AMERICA, THIS IS STILL HAPPENING," followed by a complete takeover of stories dedicated to reminding the country, and particularly its leader, that it's been a full month since Hurricane Maria hit Puerto Rico, but that of its 3.4 million people, three million are still without power, and one million are still without access to water.
Three weeks ago, right before San Juan's mayor, Carmen Yulín Cruz, sorrowfully begged Trump for his administration's help (Trump promptly attacked her on Twitter, of course), the president tried to explain his inaction with an excuse that was galling even by his standards: "This is an island, surrounded by water. Big water, ocean water." Then when he finally did show up, he told Puerto Ricans that they were lucky and advised them to "look at a real catastrophe like Katrina," before going on to throw paper towels into a crowd as if using a t-shirt gun and telling a family to "have a good time."
Yesterday, Trump decided to rate his administration's response in Puerto Rico "a 10" out of 10. And sure, as the Weather Channel points out, there are currently 1,900 FEMA staff currently in Puerto Rico, providing 600,000 meals a day. But given that one million are still without water, that's only a fraction of the aid needed. And now a health crisis seems to be on its way.
If all that makes you want to do more than punt paper towels, you might consider visiting the Weather Channel's list of ways to help the millions of victims, too, since they've proven once again to be America's most trustworthy news network.
Related: Kim Kardashian, Bethenny Frankel and More Join Jennifer Lopez's Puerto Rico Relief Telethon
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Our first class meeting isn't until next week, since the semester began with a Monday holiday, but that's good because I'm still weaving together the syllabus, readings, and assignments. Hopefully I'll have something to send out on Friday as a "getting ready" reading.
One tidbit to look forward to at our first class meeting: A screening of a 40-minute documentary on "life without print," starring and presented by our own resident print culture authority, James Danky. I think this film, which was funded and produced by the multinational printing and processing technology firm Hewlett Packard, will provide us a good entry point into many of the issues I want to explore with this seminar.
See you on Monday January 28 2013 at 9am in 4246 Helen C. White Hall.


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Originally published at blog.heemangforyou.com on December 3, 2017. Republished with permission. Get your blogs featured!
What does being "recovered" from an eating disorder mean? Well, there is no "one-size-fits-all" definition. I believe everybody has or should have their own idea of what being "recovered" means to them. Perhaps you can take a moment and collect your thoughts about what recovery means to you and examine how far you are from that place.
Once you enter the "I am recovered" status, you are out there to be looked at as an example. Unfortunately, this can come with being judged by others, while they wonder whether you really have recovered. This is something that you cannot avoid, and you will have to learn how to handle.
The best thing to keep in mind is that we should not worry about what other people think about our recovery.
Believe it or not, what others think doesn't matter. But there is one thing that does matter: you! You are recovering for yourself, not for anybody else. I challenge you to ask yourself the following questions: "Am I recovered? Am I free?" If your answer is "yes", this is great news! You must be living your life to the fullest, with all the challenges, ups and downs, and joy that life throws at you. I am thrilled for you!
If your answer is "no", there is no need to beat yourself up. You can recover. It takes effort and consistency. And when you put all the energy that you put into your eating disorder into your recovery instead, then you can and you will recover.
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Most importantly, you need to believe that you are worth it.
I was told numerous times there was no way I would ever recover. Honestly, even I did not believe in my recovery. During my recovery, doubt snuck in and I did not believe it was possible to be recovered. Now I know doubt is not only part of recovery, it's also part of life. Doubt is part of being human. So if you ever doubt anything, even things you once felt confident about, know it is completely normal.
Perhaps you are in an in-between stage, confused whether you have recovered or not.
As frustrating as it can be, it is important to recognize it. As mentioned, there are so many definitions of recovery and "recovered," and I want to emphasize the importance of having your own definition. This definition should be the goal you are marching towards. Why? Because the ultimate goal is to reach a place that you really want to be (not a place others define for you) and to live and enjoy the life you create.
I have been there myself. I thought I was recovered, and I said that I was recovered, but in truth, I wasn't. Having said that, I know that even that stage was part of my recovery. I had to acknowledge that I was still working my way towards freedom. The realization of that was rather hard because I wanted to be at the "finish line." I wanted to be recovered, I wanted to help others, and I longed to be an empowering example.
I was hard on myself, and I wanted to have the "perfect" recovery. Just as perfectly as I obeyed my eating disorder, I also wanted to recover "perfectly."
Let me share with you what "recovered" meant to me at first. I ate "healthy food" by the standard that is set by the experts and I exercised two or three times a week. However, If you asked me whether I ate because I ran, or I ran because I ate, the answer would have been the latter.
I had a two-year-old son at that time (now I have 5 children), and to others that meant I was recovered. I was complimented and told my body looked "how all mothers should aspire to look." Did that make me feel good? At first, yes, but eventually I started to feel uncomfortable.
Then, I began to ask myself the question: "Am I really recovered?"
The truth is, if I didn't have time to do my "recommended" amount of exercise or eat that "heathy" meal, I was tense, grumpy, and hard to get along with. I told myself it was important to have "me time" and take a break from the baby. I told myself I needed to relax and get the tension out of my system. So I justified the need to run. While there is truth to some of these beliefs (self-care is incredibly important) there are other ways to achieve calmness.
The reality is, I traded my eating disorder for being "super healthy" and a "superwoman"/ "super-mum".
To clear any confusion here, I am not saying you cannot enjoy sports or exercise once you are further along in recovery. I just hope that you have noticed the important factor is to do it for enjoyment rather than perfection, societal standards, or "rules."
I believe being "recovered," especially for me, means that I enjoy whatever activities I do, and I don't freak out when something comes up and I cannot do them. It is okay to eat and enjoy it, even if I cannot fit in any exercise. I do not need to earn my food. I also don't label food; therefore, I am neither satisfied nor triggered by what I eat.
Remember, just because you are recovered, it doesn't mean you will never have bad days.
It is ok to have a bad hair day, and, believe it or not, it is ok to have a "bad body" day, too. We all have them; there is no human being who feels completely satisfied with their body all the time.
I believe, when you are recovered, you enjoy what you do on the good days, and you have coping strategies for the bad days. You are not going to be immune to hard times, but you can cope with whatever life throws at you.
You no longer need to do timeless workouts to prove your worth, or shop until you drop to make yourself feel better. You don't need to lock yourself away and hide or do whatever it is that does not give you peace and satisfaction. You no longer have to be the toughest kid on the block, nor do you have to have everything together 100% of the time.
When you are recovered, you feel free to be who you are. When you are recovered, you can show your feelings, such as anger, sadness, and joy. When you are recovered, you can and do embrace yourself — including your imperfections.
Are you there yet? If not, don't stop until you get there because you are worth it!
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Stroke remains the fifth leading cause of death and the leading cause of adult disability in the United States. There is a significant need to help carepartners of potential stroke patients quickly recognize the signs of stroke and ensure patients get to a hospital as soon as possible while treatment options are still available to them.
When it comes to stroke, it is not enough for an individual to simply identify when it occurs, it is also important to feel confident to act urgently. However, because we live in a "wait and see" culture, it may be challenging for us to spring into action when we think we may be witnessing a stroke. Therefore, permission must be given—to stop overthinking and start overreacting. As well as encouragement—to act on instinct, move fast, and to not second-guess.
With these goals in mind, Genentech created a bold new campaign to motivate carepartners to get their loved ones to the hospital quickly.
"The Overreact2Stroke campaign contains important public health messages that we hope will educate people about the urgency of getting immediate medical attention when a stroke occurs," said Julio Lairet, DO, FACEP, Chair of the ACEP EMS Committee. "Every minute counts, so it's critical that the public learns to recognize the signs and symptoms of stroke to get to a hospital as quickly as possible. A stroke can happen to anyone—at any time."
"Some people wait to call 911, because they don't associate their loved ones' or their own symptoms with stroke," said Tina Vanichsarn, Lytics Marketing, Genentech. "Our Overreact2Stroke campaign was designed to educate and provide loved ones with the resources they need to recognize stroke and take immediate action. Stroke education can be life-changing."
The mission of overreacting to stroke is one that is intended to be shared by healthcare professionals. EMS responders are the first line of defense against stroke. The EMS professional role is critical in optimizing stroke care to help lower mortality and long-term disability associated with stroke. Quick recognition of stroke upon EMS arrival remains crucial.
Overreacting to stroke falls onto the public, as well, yet public awareness of the signs and symptoms of stroke remains poor. In fact, calling 911 within 1 hour of symptom onset is done in fewer than 50 percent of stroke cases. Additionally, fewer than 50 percent of 911 callers know they are calling about a stroke-related symptom. Better stroke outcomes begin with faster identification of stroke symptoms and taking immediate action.
Through consistent education, we can encourage everyone to learn the 10 signs of stroke and take urgent action. The Overreact2Stroke campaign can be seen in select areas across the United States with the intention of getting more stroke patients to the hospital more quickly—all to help save more lives from stroke.
When it comes to stroke, are you prepared to overreact? Get the information and tools you need at overreact2stroke.com.


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Probate Administration
The probate process comes at a time when people are still trying to deal with the emotional loss of a loved one. Not at their best, family members are often at a loss to be able to understand the legal details that require their attention, to know why the estate is required to go through the process or to know where to turn for help.
My job as your probate attorney is to simplify and manage the probate process for people throughout Phoenix and the surrounding areas in Maricopa County. Before trying to handle this process on your own, ask yourself whether you really need this kind of problem right now. If you decide that you don't I encourage you to call or email me so that I can provide sound legal advice, whether it be a formal or informal probate proceeding.
Arizona's Probate Process
The probate court's role is to supervise the distribution of a person's assets in accordance with his or her will or the laws of Arizona. If the decedent had a valid will in place or if the property was held in joint tenancy with a spouse, your family may not have to be mired in probate matters. In cases where it is just a matter of collecting, dividing and distributing the Estate pursuant to a will, the Court follows an informal probate process. During the informal probate the Court issues orders the day of filing that grants the personal representative the powers to transfer and liquidate the decedents assets and distribute those Estate assets pursuant to the will. The Court has no involvement other than to issue the orders to the personal representative and issue an order closing the Estate when the provisions of the will have been satisfied. If the estate holder had no will, however, the property will be placed in probate to determine how the assets should be disbursed. This process involves a Petition for Formal Probate where the Court is actively involved in the administration of the Estate.
Let me simplify your life during this difficult transition. I can handle every type of probate matter, including:
Estate administration
Power of Attorney (General, Durable, Health Care Directives)
Probate and Estate Administration Overview
Estate administration refers to the process of probating the estate of a decedent, which generally includes collecting, inventorying and appraising assets; paying and collecting debts; filing and paying estate taxes; and distributing any remaining assets to beneficiaries. An experienced probate and estate administration attorney can help simplify this complicated process. If you need help in the administration of an estate, you can call Royer Law Office for sound legal advice and representation.
Probate The estate is the total amount of property owned by the decedent at his or her death. Once a person dies, the estate is submitted to the probate court. If there is a will, the probate court will determine if the will is valid and then oversee the administration of the estate by the personal representative (the person appointed in the will by the decedent to oversee the estate). If there is no will or the will is determined to be invalid, the probate court will appoint an administrator and the decedent's property will be distributed according to Arizona State laws of inheritance.
Personal Representatives Duties
The personal representative is the person named by the decedent in the will to administer the estate. The personal representative has many important functions to complete, including:
Gathering and doing and inventory of all assets of the estate
Appraising the assets
Collecting any payments or debts owed to the estate
Paying any debts owed by the estate
Filing and paying local, state and federal taxes
Distributing assets to the beneficiaries as stipulated in the will
The personal representative owes fiduciary duties to anyone who has an interest in the estate. This means that the personal representative owes a duty of loyalty and must act in the best interests of the estate. For example, if the personal representative mismanages estate assets and causes the estate to lose value, he or she can be held liable for these actions and may have to repay the estate the amount of the lost value.
Preserving Estate Assets
An important but sometimes neglected responsibility in administering an estate is to look for opportunities to preserve assets for distribution. Reducing estate taxes is one way that an estate can retain more of its wealth for the decedent's heirs. Some of the ways to accomplish this are:
Consider whether administration expenses and casualty losses should be reported on the estate tax return or on the estate's income tax return
Consider whether there are income tax savings opportunities on the decedent's final return (such as whether or not a joint income tax return should be filed with the surviving spouse)
Consider whether assets should be valued at the date of the decedent's death or six months later (or, if assets have been distributed prior to six months after the decedent's death, the date of the disposition of the assets)
Probate and Non-Probate Assets
Probate assets are subject to court administration. Probate can be an expensive and long process, and beneficiaries may have to wait anywhere from six months to two years to receive the property left to them in the will. Probate assets include assets owned only by the decedent that do not have a named beneficiary.
Non-probate assets do not have to go through probate. These assets are typically distributed more quickly to the appropriate beneficiaries since a probate proceeding is not required. Non-probate assets generally include:
Property owned in joint tenancy or tenancy by entirety with rights of survivorship
Payment on Death (POD) bank accounts
Transfer on Death (TOD) securities
Beneficiary Deed on real property
Life insurance policies that designate a beneficiary other than the decedent's estate
IRAs, 401(k)s, and other retirement plans that name a beneficiary other than the decedent's estate
Revocable Living Trusts
Revocable living trusts are similar in form and substance to wills. These instruments allow the creator (the testator) to transfer the title of ownership of property to the trust. During life, the testator can remain in control of his or her assets, with the ability to sell, buy or transfer property as he or she wants. The trust also can be changed or terminated at any time by the testator.
Upon death, the property in the trust does not become part of the probate estate because title to the property is owned by the trust, not the decedent. The trustee designated in the revocable living trust will then be in charge of administering the trust and distributing property to the beneficiaries in accordance with the terms of the instrument.
Many people use revocable living trusts as a way to limit the amount of property subject to probate. Revocable living trusts are often advertised as a way to avoid probate all together, but often they are coupled with a will that disposes of any property not specifically named in the trust.
Guiding an estate through the probate process and effectively administering that estate requires a keen understanding of Arizona probate laws. If you need help administering an estate, please contact Royer Law Office.
Probate is the court process used to determine the validity of a will and oversee the payment of creditors and distribution of estate assets. Even if there is no valid will at the time of death, the estate will still go through the probate procedure. Since probate is regulated by Arizona State law, there are specific procedures proscribed by Arizona statutes for carrying out the process.
If you are the personal representative of an estate, contact an experienced probate attorney at Royer Law Office, PC to help you identify and carry out your estate administration duties. Probating the Estate
Despite the variations in various state laws, probating the estate generally includes the following functions:
Petitioning the court to probate the will (either Informal Probate or Formal probate)
Sending notice to creditors, beneficiaries and any other interested parties
Collecting, inventorying and appraising all estate assets
Collecting any payments, debts and income due to the estate
Paying any debts owed, and filing and paying local, state and federal taxes
Distributing any remaining assets to beneficiaries in accordance with the terms of the will
Closing out the estate administration and filing closing statements with the Probate Court Small Estates
Arizona has a fast-track or simplified probate process for smaller estates that meet certain qualifications. Normally, this process doesn't require probating the estate before the probate court, but before an administrator, which can cut down on the time and cost of probate. Additionally Arizona has an Informal Probate Process that requires very minimal Court supervision and intervention.
Disadvantages of Probate
Time and expense: Probating an estate can be time-consuming, taking anywhere from 6 months to 2 years to complete. Contests to the validity of the will can increase the duration of the process. Probate also can be expensive, with any probate costs and fees coming out of the estate's funds.
Lack of privacy: Probate matters are part of the public record, meaning anyone can find out the size, contents, and beneficiaries of the estate. This lack of privacy can cause tension between family members.
If someone dies without a will or the probate court determines the will of the decedent is invalid, that person is said to have died intestate. Arizona like all States has a set of default inheritance rules that apply in the absence of a will or other estate plan. These rules generally distribute property to the surviving spouse and children first, and then parents and other close family members. The only way to prevent the default rules from determining the distribution of assets is to have a valid will or trust in place before death.
The Role of the Personal Representative
A personal representative is the person named by the creator of the will (the testator) to carry out the terms and provisions of his or her will. In addition to locating documents left by the testator (i.e., wills, trusts, deeds, etc.) and notifying Social Security, pension providers, annuity providers and other entities of the death, the personal representative has numerous other legal responsibilities, including:
Initiating the probate of the will
Collecting and inventorying the testator's assets
Collecting debts owed to the estate
Paying claims against the estate
Distributing assets to the beneficiaries of the will
Closing the estate These responsibilities can be daunting and time-consuming. If you have been named the personal representative of an estate, contact Royer Law Office to discuss your role and the Arizona estate administration process.
Initiate Probate
It is the duty of the personal representative to open up the estate and to begin probate proceedings. Typically, a personal representative who is not an attorney will hire a lawyer to represent the estate during the probate process, to provide the required notices to interested parties and potential creditors, to obtain required documents (such as the death certificate and an original copy of the will), to deal with will contests, and to close the estate. Attorney costs for representing the estate, like personal representative fees, are charged against the estate.
Inventory of Assets
The personal representative is also responsible for completing an inventory of the assets of the estate. All probate assets must be collected and inventoried. Also, it may be necessary to have certain assets of the estate (such as jewelry or collectibles) appraised.
Collecting Debts and Payments Owed to the Estate
The personal representative should check with the decedent's former employer to determine whether there is any unpaid salary or benefits owed to the estate. The personal representative must also identify outstanding debts owed to the estate and pursue collection of those debts. Expenses involved in the collection of the debts (e.g., hiring a collection agency to collect debts) are charged to the estate.
Paying Claims Against the Estate
Once the will is determined to be valid by the probate court, the personal representative may begin to pay debts, bills and claims against the estate. While paying creditor claims is a task that can be handled by a non-attorney personal representative, paying taxes on behalf of the estate and of the decedent are often best left to an attorney hired for the probate and administration process.
Distributing Assets to Beneficiaries and Closing the Estate
Once all the creditor claims against the estate have been settled, the personal representative can then distribute the remainder of the estate to beneficiaries in accordance with the terms of the will. When all of the creditors have been paid and the remainder of the estate has been distributed to the beneficiaries, the estate can be closed and the personal representative can be released from any further duties on behalf of the estate. A court will close the estate upon receiving:
Copies of notices to concerned parties
Copies of payments to creditors of the estate
Evidence that remaining assets of the estate have been distributed
Any person over the age of 18 can be named as a personal representative of a will, provided that the person has not been convicted of a felony, and often times a family member or close friend is chosen to serve. However, settling an estate, even a simple one, involves numerous details and technical requirements that are often best left to an attorney. If you have been appointed as a personal representative of an estate, contact an attorney experienced in probate and estate administration at Royer Law Office in Phoenix, Arizona to ensure a thorough and professional handling of the probate process.
Avoiding probate
Assets disposed of outside the probate process are part of the non-probate estate. Since a probate proceeding is not required, these assets are distributed more quickly to the appropriate beneficiaries. Many people seek out these assets and ownership models in order to save their loved ones from the difficulties associated with going through probate. If you are interested in managing your finances and your property so that your family does not have to go through probate, contact Royer Law Office in Phoenix, Arizona.
Non-Probate Assets
Certain types of assets are part of the non-probate estate because of their contractual nature. These types of assets include:
Life insurance proceeds: A life insurance policy is a contract with an insurance company that specifically states who will be paid after your death. Since payment of the life insurance proceeds to the named beneficiary is in the contract, there is no need for the life insurance policy to go through probate.
IRAs, 401(k)s, and other tax-deferred retirement plan proceeds: IRAs, 401(k)s, and other tax-deferred retirement plan proceeds pass directly to the beneficiaries designated in the plans. Similar to a life insurance policy, the payment of the retirement fund to the named beneficiary is agreed upon in advance, and, like life insurance proceeds, there is no need to go through probate. Ownership Models that Avoid Probate Other types of assets only become non-probate assets if the owner or owners make certain decisions as to how those assets are held.
Joint tenancy with rights of survivorship: A joint tenancy with rights of survivorship means that two or more owners hold title to an asset together. When one of the owners dies, that person's ownership interest automatically passes to the remaining owner or owners. Married couples typically hold assets such as real estate, automobiles and bank accounts in this way.
Payment on Death (POD) bank accounts: Payment on Death bank accounts name contingent beneficiaries when the account is opened with the financial institution. The beneficiary possesses no ownership interest in the account until the account owner dies. At that time, the beneficiary receives full ownership of the money held in the account.
Transfer on Death (TOD) securities: Transfer on Death stocks, bonds and brokerage accounts provide the same advantages as POD bank accounts. The account holder retains exclusive ownership rights while he or she is alive, and the named beneficiary receives the proceeds when the account holder dies.
Revocable Living Trusts: A revocable living trust is a legal entity that holds title to property. Since the trustee for the trust, not the donor, has title to the trust, the property within the trust will pass outside probate. Because the trust is revocable, the testator has access to the property during his or her lifetime, almost as if he or she owned it outright. At the time of the testator's death, a trust document, similar to a will, directs the trustee as to the distribution of the trust property.
Beneficiary Deed: A beneficiary deed is a recorded instrument involving real property that is similar to a transfer on death. The beneficiary deed directs the transfer of real property to the named beneficiary upon the death of the deed holder. Upon the death of the property owner, the beneficiary can take the beneficiary deed and the death certificate to the Maricopa County Recorder and the Recorder will transfer the real property to the beneficiary named in the Beneficiary Deed. Although probate is avoided, holding assets jointly or with survivorship rights can create problems. For example, in the case of assets held in a joint tenancy with rights of survivorship, the owner gives up exclusive control of the assets. As a result, the owner may be at risk that the other owner will take all the assets, or that creditors of the joint owner will seek to satisfy their claims from the joint account. Experienced legal advice can help you determine the best model for your needs.
While non-probate assets are not subject to probate procedure, there are pros and cons to each model. To determine the best way for you to maintain your assets, contact an attorney experienced in probate and estate administration at Royer Law Office in Phoenix, Arizona.
The fact that a person (the decedent) leaves a will does not guarantee that the decedent's property will be distributed according to the will's terms. A court generally must provide an opportunity to allow others to object to the will, and a challenge may be brought by anyone with an interest in the will who believes the document is invalid in some way. A will contest is an action challenging the validity of the will and is governed by Arizona state statutes.
If you believe a will is invalid, or if someone is challenging a will you are administering or benefiting from, you should contact an attorney with experience in will contest cases. Royer Law Office can assist you with this type of difficult and emotionally-charged case, and can advise you on the best way to proceed under Arizona law.
Grounds for contesting a will include:
Later Will. If a later will was made, and the making of the will conformed to the necessary legal requirements, then the later will replaces the earlier will.
Incapacity. A valid will requires that the decedent was of sound mind at the time the will was made. The "sound mind" requirement typically requires that at the time the will was made, the decedent had the ability to generally understand the nature and extent of the property to be disposed, his or her relationship to those who would naturally claim a benefit from the will, and the practical effect of the will as executed. Proving that the decedent was mentally ill or under the influence of alcohol or drugs at the time the will was made are ways to establish incapacity.
Undue Influence. If at the time the will was made, the decedent did not exercise his or her judgment in making the will, but rather made the will according to the wishes of another, the will may be found invalid on the grounds of undue influence. Coercion, duress and fraud are examples of undue influence.
Improper Execution. A will must be properly executed in order to be valid. This requires that the creation and the execution of the will conform to the state's requirements, which can include the will having to be in writing and signed by the person making the will (the testator) and that the will be witnessed or notarized.
Forgery. A will can be found invalid if any portion of the will, including any terms of the will or the signature of the testator or the witnesses, are determined to be forged. There is a limited amount of time set by state statute (four months in Arizona) to challenge the validity of the will on one of these grounds. If the validity of a will is successfully contested, the probate court may:
Disallow only that part of the will that is successfully challenged
Admit an earlier valid will (if one was made) in its place
Determine that the decedent died intestate and distribute the assets according to the state's intestate succession laws, which are the legal default rules for estates without a will
The consequences of a will contest are significant for all of the parties involved. If there is the possibility of a will contest, contact an attorney experienced in probate and estate administration at Royer Law Office in Phoenix, AZ to ensure that your rights are protected throughout the process.


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