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Welcome to Wilbraham Animal Hospital
Wilbraham Animal Hospital is a progressive animal hospital and wellness facility that still understands the meaning of compassion and community. The Hersman family has been providing quality veterinary care for over 30 years.
If you are still wondering where to bring your pets, stop by and meet our knowledgeable team. If you are already a member of our hospital, you know that your animals receive the personalized care they deserve! Thank you so much. We look forward to seeing you soon!


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Go Back
Bank Of America's Mortgage Tab: $42B And Counting
Mistakes happen but when you're a big bank with troubled mortgages on your books the mistakes are costly–in the form of billions of dollars.
No bank knows that better than Bank of America which has agreed to pay a jaw-dropping $42 billion, settling credit and mortgage-related legal battles in just the last three years.
Overall, the nation's six biggest banks by assets including BofA, JPMorgan Chase, Wells Fargo, Citigroup, Goldman Sachs, Morgan Stanley and MetLife have agreed to settle for at least $60 billion in credit crisis and mortgage-related settlements, according to data compiled by SNL Financial.
BofA's $42 billion legal tab makes up 66% of the total amount the top six biggest banks have agreed to pay in 2010, 2011 and 2012. So, if you were wondering which bank bore the brunt of the mortgage and foreclosure fallout look no further than Bank of America. The biggest chunk of its settlements came in 2011 when it settled claims with Bank of New York Mellon Corp. as trustee for investors in private-label RMBS for $8.6 billion. That year it also agreed to pay $11.8 billion for its share in the National Mortgage Settlement.
The bank with the next biggest tab is Wells Fargo with $8.3 billion in settlements over the course of three years ending in 2012. 2011 was also Wells' worst year for settlements due to the national mortgage settlement where it agreed to pay $5.3 billion. Wells has the market's biggest share of mortgage business but was able to avoid much of the subprime problems its peers like BofA endured.
JPMorgan Chase is not far behind Wells with $7.8 billion in settlements. It paid $2.7 billion for its share of the national mortgage settlement in 2011 and the following year coughed up $2 billion to settle foreclosure abuse claims with regulators.
Citigroup's $3.6 billion legal tab is the smallest among the big four retail banks with much of that going toward the national mortgage settlement where the bank agreed to pay $2.2 billion. In 2012, the bank also settled $590 million in Citigroup securities litigation in which investors claimed damages as a result of misrepresentations of Citigroup's exposure to impaired CDOs.
The costs of settling these kinds of cases go beyond the actual settlement amounts. There are legal fees and expenses to consider too and now surprisingly Bank of America has been spending plenty. It's annual legal fees have increased every year since 2009 from $1.14 billion to $1.43 billion in 2012. The most recent figure represents 2% of its total noninterest expense.
JPMorgan Chase is the only other bank whose legal fees exceeded $1 billion last year.

subset: commoncrawl


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Pancakes were not on my breakfast agenda until a few years back. Slowly as the kids started growing up pancake became fun and the perfect one to draw emojis on. Come winter warm breakfast are most welcome. So there are some cold days when pancake does get the morning going. But the mere thought of getting each pancake flipped on a weekday morning does bother me just the way it would do to you. Imagine the stack that we need to get through breakfast will really take 1 hour, from start to finish. This was an ordeal Till I found out that you could do that in one batch in your oven on a slice pan…now that's something I can absolutely get done. I am sure you like it too.
So now there are no more flipping pancakes on a busy morning but a beautiful one set to go, warm and ready and pretty much effortless. The addition of berries makes the house smell so yummy.
If you scroll down you can see this recipe is actually baking powder free. It was a trial to see if I could bake without this leavening agent. Am glad my experiment worked out. Let me know how yours turned out.
More on the blog
The post with a lot of information about the baking powder is here. Take a look to see how you could make gluten-free baking powder.
I have a few more fun bakes on the blog. Hope you enjoy them too
You could add up your email to our subscription list (GDPR compliant) for weekly updates of new posts on the blog. Alternately, follow us on Instagram or Twitter.
Before you go on… share your thoughts in the comments below.
Print RecipeStrawberry pancake slice Yum
easy bake and no baking powder
|Prep Time
|10 minutes
|Cook Time
|20 minutes
|Passive Time
|10 minutes
for the battter
- 2 large egg use egg replacer if desired.
- 0.5 cup low fat/ full cream milk use plant milk if desired
- 2 tsp butter or coconut oil
- 1 tsp brown sugar
- 1/4 tsp salt
- 1 tsp Lemon juice
- 1.5 cup whole wheat flour
- 2-3 tbsp strawberry
for the battter
- Preheat the oven to 180 degrees for 10 minutes
- Grease a slice pan and set aside
- Crack the eggs and separate the whites.
- Whisk thw whites till fluffy, set aside
- To the yolk add melted butter, sugar,lemonjuice, milk and salt and whisk till well combined.
- Add the Whole wheat flour a little at a time and gently mix in.
- Now fold in the whipped eggwhites without losing much of the air.
- Toss in the strawberries and give a quick gentle mix
- Check the bake with a skewer, if it comes out clean.
- Cool for 10 minutes and slice
- Serve with a drizzle of maple syrup or a sprinkle of powdered sugar.
Share this Recipe


text: I have a cannon SLR at the moment but I don't use all the gadgets on it.. I'm looking for a new digital camera and was thinking of the same type but I'll have to pay around £500.. If I go for a no frills instant type instead, will I get a better camera or that produces better images for my money.. Are these instant digital camera's any good?? p.s. I only stopped using all the gadgets because it was costing too much too develope the photo's I was experimenting with..


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Have you ever began writing a song and everything seems to be coming together perfectly? Then after a few more hours of working on it you seem to no longer love it? In fact you start questioning everything and end of backtracking and changing things? In this article I hope to shed some light on what's actually happening when you are experiencing this common occurrence among songwriters. Newly Acquainted Have you ever discovered a new song that you love and then after listening to it over and over again you notice your excitement and admiration of it diminishes significantly? Are you just … [Read more...] about Writing A Song With A Fresh Perspective
90 10 Rule – Words Of Encouragement
Do you truly realize the power that you possess? It's easy to feel like you're insignificant in the grand scheme of things but it's all a matter of perception. Today I'm going to share with you the 90 10 rule in hopes that these words of encouragement may remind you of just how significant you really are. "Life is 10% what happens to you and 90% how you react to it." - Charles R. Swindoll Perception Life is all about perception. The way that you perceive things will govern how you react to them. Is the glass half full or half empty? Are you telling your self "I can't" or asking "how … [Read more...] about 90 10 Rule – Words Of Encouragement
Words Of Encouragement: They're Watching You!
Switching It Up I often post articles centered around teaching people how to rap and becoming more established artists. But sometimes I like to share what I refer to as words of encouragement. We all need encouragement and we need it often so I hope this is a nice pick me up for you. Slangin Debbie's I work part time merchandising Little Debbie's for my parents distributorship. It's a sweet gig and it get's me out the studio and allows me to mingle among my fellow contributors to society which prevents me from becoming a total recluse. Something happened to me today while working my part … [Read more...] about Words Of Encouragement: They're Watching You!


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Wholesale Inventories Climb Twice as Much as Expected
A Bloomberg survey had expected September wholesale trade inventories to increase 0.7%, after a revised 1.2% rise in August (up from the initially estimated 0.8% increase) and a 1.5% increase in July.
Inventories are now up 7.9% compared to September 2009, and that's higher than the 5% year-over-year increase recorded in August.
A 1.18-Month Supply of Goods
Sales in September rose 0.4% to $353.9 billion and are now up 11.9% compared to a year ago, slightly lower than the 12.4% year-over-year rise recorded in August. However, economists are careful to point out that current year-over-year sales increases stem from a low recession-level base. So, large one-year gains are easier to achieve.
With inventories rising faster than sales, the inventory-to-sales ratio rose slightly, to 1.18 in September from 1.16 in August, which means companies had a 1.18-month supply of goods in stock at the September sales pace. An indicator of demand, the ratio was at 1.22 in September 2009, and it hit a record low of 1.13 months in April.
Inventories of durable goods -- products whose service life is several years -- increased 0.7%, and nondurable goods jumped 2.8% Among durable good, hardware inventories jumped 1.2%, autos increased 0.9% and furniture rose 0.7%. Lumber fell 1.6%, computer equipment declined 1% and professional equipment slipped 0.4%. And among nondurable goods inventories, farm products surged 14.8%, apparel jumped 4% and petroleum increased 3.4%, while alcohol fell 1.5% and groceries declined 0.7%.
Wholesale inventories account for about 40% of the U.S. business stockpiles, factory inventories about 38% and retail inventories about 22%.
A Higher Reading for GDP?
The results from September's wholesale inventory report are somewhat mixed. On one hand, the larger-than-expected 1.5% increase suggests that suppliers and businesses aren't as reserved heading into the important holiday sales season. The inventory rise will likely boost third-quarter U.S. GDP above the initially estimated 2% growth rate. But the gain also suggests a slight rise in imports, which will likely increase the U.S. trade deficit.
The Young Presidents' Organization gauge of U.S. sentiment climbed to 59.9 in October from 57.5 in July. Readings above 50 indicate a more positive than negative outlook. In the survey, 49% of the CEOs expect economic conditions to be better in six months, 60% expected sales to be higher in the year ahead and 38% expect to spend more in the year ahead.
Combine the inventory data with the more-optimistic CEO outlook, and the picture is one of slightly better conditions for U.S. commerce heading toward year-end, compared to 2009.


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Meetings & Events
Aston Makassar Hotel & Convention Center is the perfect place to hold meetings, exhibition, and weddings. The hotel is offering 8 meeting rooms & 1 ballroom for up to 1000 guests. Each meeting room is supported by high tech audio visual equipment. ALL meeting room is start from 16th - 18th floors that offering panoramic views of the city and ocean.


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Our Aim...
Is to provide every songwriter/catalogue owner with a publishing solution which is fair, efficient, transparent and easy to use.
Company Background...
Sentric Music, formed in 2006, is an independent music publisher which is home to over 65,000 songwriters at all stages of their careers. Sentric represents hundreds of thousands of songs worldwide on behalf of songwriters, music publishers and other catalogue owners.
Sentric was founded to reduce the complication and confusion that surrounds music publishing and give every songwriter/catalogue owner the infrastructure to collect royalties. Headquartered in Liverpool, UK and with offices across Europe, Sentric's teams are on hand to ensure that you can easily begin making the most value out of your songs.
Sentric's award winning technology platform powers our song registration, income tracking and royalty processing functions which allows artists and catalogue owners access to an easy to use, transparent and efficient platform to maximise royalty collections.
Sentric also represents music for synchronisation and licensing which provides songwriters/catalogue owners with thousands of sync placements each year, increasing the value in the songs and collecting the valuable royalties that are generated as a result of the placement.
Sentric's worldwide collection network allows royalties to be collected domestically in the territory of exploitation which covers all of the major music markets throughout the world. Either by directly collecting royalties, or collecting royalties via our trusted partners, we ensure that the maximum amount of royalties are paid through at the earliest opportunity.
At Sentric, we like songs and we're good at administration. If you want a publishing deal to collect your royalties with as little hassle as possible, we'll give you one!
#68 The Sentric Music Podcast January 2016 05 January, 2016
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Hollyoaks Winter '15 Trailer
Track: Rocketeer
Artist: Explorers
Sync: Hollyoaks Winter Trailer 2015/2016
Website: facebook.com/weareexplorers
Response to Hollyoaks Winter '15 Trailer
BBC Women's Football
Track: The Awakening
Artist: Screaming Maldini
Sync: BBC Women's Football Title Music
Website: facebook.com/screamingmaldini
Response to BBC Women's Football
Miss Guided Sting
Artist: Weekend Money
Track: Hol' Up
Sync: Miss Guided Sting
Website: facebook.com/weekendmoney
Response to Miss Guided Sting
Sonos Promo
Track: Living In Sin
Artist: Great Pagans
Sync: Sonos Promo
Website: www.facebook.com/greatpagans
Response to Sonos Promo
Malibu Promo
Artist: Labyrinth Ear
Track: Wild Flowers
Sync: Malibu Promo
Website: facebook.com/labyrinthear
Response to Malibu Promo
ABC's Mistresses
Artist: Labyrinth Ear
Track: Crescent Moon
Sync: ABC's Mistresses
Website: facebook.com/labyrinthear
Response to ABC's Mistresses
Football League Tonight
Artist: Childcare
Track: Diesel Therapy
Sync: Football League Tonight
Website: facebook.com/CHILDCAREBAND
Response to Football League Tonight
ScotRail Advert
Artist: Cattle & Cane
Track: Come Home
Sync: ScotRail
Website: facebook.com/cattleandcane
Response to ScotRail Advert
Made In Chelsea Series Nine
A selection of Sentric artists being featured on Series 9 of Made In Chelsea.
Including Alphabetic, Stealing Sheep, Collectors Club, Jungle Doctors, Crocodiles, Queen Of Hearts, Paradise, Cattle & Cane, Fish & Wildlife, Slowlights, Fickle Friends, Oslo Parks & Voes.
Response to Made In Chelsea Series Nine
The Mill
Track: Digidrop
Artist: Rameses B
Website: facebook.com/RamesesB.Official
Sync: The Mill Promo
Response to The Mill
Stanley Cup
Track: Always No.1
Artist: Alistair Griffin
Website: facebook.com/AlistairGriffin
Sync: Stanley Cup Closing Montage
Response to Stanley Cup
Track: My Type
Artist: Saint Motel
Website: facebook.com/SaintMotel
Sync: NOW TV UK Advert
Response to NOW TV
Track: Hello... I Love You
Artist: Hallo... I Love You
Website: facebook.com/HalloILY
Sync: Triscuits US Advert
Response to Triscuits
Track: Foolish Love
Artist: Allman Brown
Website: facebook.com/AllmanBrown
Sync: Suits US TV Show
Response to Suits
Johnnie Walker
Track: Imagine This Was All Purple
Artist: Capac
Website: facebook.com/CapacMusic
Sync: Johnnie Walker Promo
Response to Johnnie Walker
Michael Kors
Track: Wild Flowers
Artist: Labyrinth Ear
Website: facebook.com/LabyrinthEar
Sync: Michael Kors Promo
Response to Michael Kors
Track: By The Lake
Artist: Nadine Carina
Website: facebook.com/NadineCarinaMusic
Sync: H&M Promo
Response to H&M
Morgan Clothing
Track: Colour Blind
Artist: Queen Of Hearts
Website: facebook.com/QOHOfficial
Sync: Morgan Clothing Promo
Response to Morgan Clothing
History Channel Promo
Track: Mountain Of Gold
Artist: Jackie D Williams
Website: facebook.com/JackieDWilliamsMusic
Sync: History Channel Promo
Response to History Channel Promo
Channel 4 Grand National Advert
Track: On The Run
Artist: Cerebral Ballzy
Website: facebook.com/cerebralballzy
Sync: Channel 4 Grand National Advert
Response to Channel 4 Grand National Advert
Saturday Night Football
Track: When The Moment Comes
Artist: Mia Dyson
Website: facebook.com/MiaDyson
Sync: Sky Movies Promo
Response to Saturday Night Football
Track: Sleeping Land Part I
Artist: The Rustle Of The Stars
Website: facebook.com/TheRustleOfTheStars
Sync: Reebok TV Advert
Response to Reebok
An Introduction to Sentric Music
Thinking of signing up with Sentric Music but not really sure what a music publisher does? Watch our handy video which gives you a simple overview of how working with us can help ensure you reach your potential as a songwriter and maximise the money you earn from your songs.


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I Want a Home Theatre
I am dreaming of a bluray home theatre system..with big screen tv aaah! sigh.. how i wish i could have it. Imagining my family and me watching movie.. wow!
It would be fun with loud speakers.. "hear ye! hear ye! neighbors..sharing with you all what we are watching!.. its Transformer"! that would be fun.. cruel though.
Love to be watching with my family.. cry together..laugh together… of course there were times we don't agree on what we want to watch.. there will be someone wants to watch something else.
This i want to see…. son and daddy play games…
Till the money rolling.. till the time come.. i will sure get one of this.. soon!


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403 (b) Retirement Plan: Loans, Withdrawals, and Transfers
Loans, Withdrawals, and Transfers to Non-Berklee-Approved Investments
By law, the availability of withdrawals from your 403(b) account and/or transfers to investments other than those currently approved by Berklee depends on your age and Berklee employment status.
|Working Full-Time at Berklee
|Working Part-Time at Berklee
|Not Working at Berklee
|Age: Under 59½
Transfer to non-Berklee-approved investments:
Transfer to non-Berklee approved-investments:
Transfer to non-Berklee-approved investments:
|Age: 59½–70½
Transfer to non-Berklee-approved investments:
Transfer to non-Berklee-approved investments:
Transfer to non-Berklee-approved investments:
|Age: 70½ or older
Transfer to non-Berklee-approved investments:
Transfer to non-Berklee-approved investments:
Transfer to non-Berklee-approved investments:
How to Withdraw
For assistance, contact Transamerica or TIAA-CREF.
Financial Hardship Withdrawals
Withdrawals due to financial hardship are subject to the IRS's definition of "financial hardship." The approval and payment process— excluding the time for you to prepare required documentation—may take two to three weeks. Effective February 1, 2012, hardship withdrawals will only be available from Transamerica. If you have an account at TIAA-CREF, you may be able to transfer some or all of it to fund your hardship withdrawal.
Taxes on Withdrawals
The information below summarizes current tax rules, and is not tax advice. Consult you tax advisor on these important matters.
Your Pre-Tax Contributions and All Berklee Contributions
For purposes of federal income tax, withdrawals of pre-tax contributions and their associated investment earnings, if any, are generally taxed as regular income unless they are rolled over to IRAs or other eligible retirement plans that accept rollovers. To rollover, contact both your current investment company and your rollover destination for instructions.
Roth Post-Tax Accumulations
"Qualified" withdrawals of Roth post-tax contributions and their associated investment earnings, if any, generally are not taxed. A "qualified" withdrawal generally means:
- You made your first Roth contribution at least five years before the withdrawal, and;
- The withdrawal is made after you have either reached age 59 ½, become disabled per IRS standards, or deceased.
You may borrow the lesser amount of 50 percent of your 403(b) account balance or $50,000 for any reason. However, the amount available for loan may be less, based on certain IRS-required limits. Should you be interested in a loan, contact Transamerica to discuss your options. Effective January 1, 2012, loans are available only from Transamerica. If you have a plan account at TIAA-CREF, you may be able to transfer some or all of it to Transamerica to fund your loan.
You may have only one outstanding loan with Transamerica at any time. Allow two weeks for Transamerica to process your loan request. Add another two to three weeks if you need to transfer funds from TIAA-CREF to Transamerica.
If you borrow from your 403(b) account in order to buy a home, keep in mind that your mortgage lender might include the amount of your loan in your debt-to-income ratio.
If you fail to repay your loan according to its terms, you will default. Default will trigger a tax event, and may disqualify you from taking 403(b) loans in the future. If you have an outstanding 403(b) loan with Transamerica, your loan balance is payable in full when your employment ends. If you do not pay your outstanding balance, it will go into default, and a taxable amount will be reported to the IRS and you on Form 1099-R.


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The Inspirational Country Music Association® hosts its annual Inspirational Country Music Awards® event as a testament to the organization's accumulative work and initiatives, and in special recognition to celebrate the year-long accomplishments of the industry's brightest new talents, biggest stars and living legends. Join the Inspirational Country Music Association for the 23rd Annual Inspirational Country Music Awards at the Grand Ole Opry House Nashville, TN on April 5, 2018. Red Carpet begins at 3:30. Doors open at 5:30 and show will begin at 6:00. The hosts for the event will be Rhonda Vincent and Billy Droze with special appearances by Mo Pitney, Lucas Hoge, Jeff Bates, Buddy Jewell, Jason Crabb and many more.
Nashville, TN -- New music is out to radio today from reigning IBMA Fiddler and Female Vocalist Of The Year Becky Buller with help from the Queen Of Bluegrass, Rhonda Vincent. "Calamity Jane", the second single from Buller's upcoming Dark Shadow Recording release, Crêpe Paper Heart, is a co-write by Buller and Blue Highway's Tim Stafford about the notorious American frontierswoman Martha Canary.
Nashville, TN -- Rhonda Vincent, who The Wall Street Journal dubbed "The New Queen of Bluegrass," is teaming up with country sensation Daryle Singletary for the upcoming duets album, American Grandstand, set for release July 7. The project delivers real traditional country music with a unique American twist. This must-have album will be released via Upper Management Music, and fans can pre-order American Grandstand HERE
Rhonda Vincent, who The Wall Street Journal dubbed "The New Queen of Bluegrass," is giving fans the opportunity to experience the most exciting show in the history of bluegrass music from the convenience of their living rooms, as captured in her new DVD/CD "All The Rage - Volume One." The project features 14 songs, filmed LIVE at Bethel University in McKenzie, Tennessee during a 60-minute concert setting, and will be available on both CD and DVD via Upper Management Music on November 11. For a limited time, anyone who orders the project on rhondavincent.com will receive autographed copies.
Nashville, TN -- For nearly a quarter of a century, "Reno's Old Time Music" has always had the goal of bringing fans the best Bluegrass music on the planet. With this in mind, September's lineup is a hat trick of talent featuring Rhonda Vincent, Sierra Hull and Bluegrass royalty--three big scores for the fans!!
Nashville, TN -- For over 20 years, "Reno's Old Time Music" has been dedicated to bringing fans the best Bluegrass music on the planet. So it's no surprise that the top nominees for the 2016 IBMA awards (announced last week) are also the featured guests of the show throughout the month of August.
Nashville, Tenn. (June 30, 2016) — July is the month when Americans reflect back and commemorate the birth of our nation. In the 1600's, migrants from Ireland, Scotland and England brought something with them that preceded our freedom--they brought music. These basic styles are now considered by historians to be the roots of what would later become Bluegrass music...and THAT is also something to revere!
Rhonda Vincent is pleased to announce her new single, "Mama Tried," released in tribute to the late great Merle Haggard. Rhonda presents the song with invigorating bluegrass instrumentation, and a sassy vocal, with a familiarity that has everyone singing along. The track is released via Upper Management Music and available NOW on iTunes, Amazon, and wherever music is sold.
Nashville, TN -- Longstanding TV host and recent Preservation Hall of Greats inductee (SPBGMA), Ronnie Reno, gets hundreds of messages each month from fans about favorite shows, performances, archival videos and artists on his award-winning show, "Reno's Old Time Music." Compiling these suggestions, Reno has put together an entire month of "hand-picked" favorites to enjoy throughout May.
The Queen of Bluegrass is riding in style these days with a new wrap on her Bluegrass Express. The incredible design was created and installed by Wrap Artist.
John McEuen says he wanted to have a birthday party at a place where he didn't have to clean up after it was over, so he brought his gang of musician friends together for a birthday jam on the highly popular show, "Music City Roots," at The Factory in Franklin. The String Wizard was joined onstage by country and bluegrass icons Jesse McReynolds, Roland White, Jeff Hanna, David Amram, Rhonda Vincent, Jerry Douglas, Sam Bush, Les Thompson, John Cable, Matt Cartsonis, Bernie Leadon and John Carter Cash.
Nashville, TN -- December is turning out to be the most wonderful time of the year on "Reno's Old Time Music" with all-new episodes featuring the best Bluegrass and Christmas music all month long. In celebration of the holiday season, the lineup includes two new episodes of "Hats Off to Bluegrass," co-hosted by two of the loveliest women in Bluegrass, Sierra Hull and Rhonda Vincent (affectionately called "Reno's Sweeties" by Ronnie--not to be confused with the "HEE-HAW Honeys"). Both super-talented ladies help Ronnie introduce the best performances by guests of the show and give Ronnie a run for his money on their mandolins. As a special treat, Vincent's episode will feature a glorious fill of seasonal music, just in time for the holidays. This month's series episode of "Front Porch Gospel" will also feature the best of Gospel music with a Christmas twist. Finally, we'll deck the halls with the pinnacle of Bluegrass legends with a special presentation of the Bluegrass Hall of Fame Spotlight series, featuring Mac Wiseman, Bobby Osborne and Jesse McReynolds. So come all ye faithful Bluegrass fans! If good Bluegrass music is on your Christmas list, then you surely won't be disappointed. For more information on "Reno's Old Time Music," please visit www.RonnieReno.com and click on the TV Show tab.
Nashville, TN -- It may only be November, but Christmas Time is upon us, as Rhonda Vincent's latest album debuts at No. 2 on the Billboard Bluegrass Albums chart. The star-studded project features vocal collaborations with The Oak Ridge Boys, Willie Nelson, Charlie Daniels, Bill Anderson, Dolly Parton, Ronnie Milsap, Gene Watson, Lorrie Morgan, and more (see track listing below). Christmas Time is available now at digital retailers and wherever music is sold.
Nashville, TN -- Throughout the years, countless incredible guests have appeared on Reno's Old Time Music, and undoubtedly, some of the best Bluegrass television performances have played out upon the stages of this longstanding TV show. From the Band of Ruhks (one of the most-popular shows from earlier this year), to another episode of "Front Porch Gospel" (a collection of the best Gospel performances), to two new episodes of the brand new series "Hats Off to Bluegrass" (a compilation of the best performances ever captured), co-hosted by Rhonda Vincent and Sierra Hull, November's lineup will harvest a collection of Bluegrass' best and the fans will reap the blessing! For more information on Reno's Old Time Music, please visit www.RonnieReno.com and click on the TV Show tab.
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Maine-based mapping company will appeal $6.2M fine stemming from patent dispute
PORTLAND, Maine (AP) � Maine-based DeLorme Publishing is digging in for a fight against a $6.2 million fine levied against it in an ongoing patent dispute.
The Portland Press Herald (http://bit.ly/1lyzJ7n ) reports DeLorme's CEO says the firm believes it's done nothing wrong and will appeal. The mapping company received the fine from the International Trade Commission on June 10 for violating a consent order related to a patent infringement case brought by a Virginia company.
The fine concerns DeLorme's line of hand-held satellite communication devices, which CEO Michael Heffron says accounts for half the company's roughly $20 million annual revenue.
Yarmouth, Maine-based DeLorme employs 75 people. BriarTek of Virginia claims DeLorme is infringing on its patent by manufacturing two-way satellite communication devices. DeLorme officials claim BriarTek's patent is invalid. The case is in court.
Information from: Portland Press Herald, http://www.pressherald.com


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Can a Vegan Diet Help Save the World?
A new study says more people going vegetarian or vegan would slash greenhouse emissions — and save lives
It's no secret that plant-based diets are better for the planet. Just how much better?
A new analysis from Oxford University researchers found that if everyone on the plant went either vegetarian or vegan, food-related greenhouse gas emissions would be as much as 70 percent lower by 2050 than they will if we continue our current eating ways.
Related: 4 Reasons Eating More Plants Is Better for the Planet
What's more, if everyone on the planet adopted global dietary guidelines — eating a diet high in fruits, vegetables and legumes, low in meat and sugar and moderate in calories (just enough calories to maintain a healthy body weight) — 5.1 million deaths would be avoided each year.
The study was published in the Proceedings of the National Academy of Sciences.
"The food system is responsible for more than a quarter of all greenhouse gas emissions while unhealthy diets and high body weight are among the greatest contributors to premature mortality," the authors explain.
A healthier diet full of fruits and vegetables could also help save billions of dollars in healthcare costs, the researchers found.
"Moving to diets with fewer animal-sourced foods would have major health benefits," the authors write. Dietary shifts could produce savings of $700 billion to $1 trillion per year on healthcare and lost working days, according to the findings.
"We do not expect everybody to become vegan. But climate change impacts of the food system will be hard to tackle and likely require more than just technological changes," author Marco Springmann, PhD, of the Oxford Martin Program on the Future of Food told Reuters.
Related: Going Vegan? 7 Things to Know Before You Start
If you're not ready to commit, try being a part-time vegan. Here are some quick tips on how to hop on the "veganish" train.
- If you're really used to eating a lot of meat, start with Meatless Mondays.
- Add nuts to salad instead of chicken. They're a nutrient-dense protein source.
- Eliminate one animal product at a time. Karen Cottenden, a self-described vegan coach from London, suggests starting with dairy.
- Swap your burger for a vegetarian burger, such as a portabella mushroom burger.
Related: Bill Clinton: A Mostly Vegan Diet May Have Saved My Life
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text: Depending on how seized in the stud is, a tap guide tool might not be able to handle the job. I had to remove my head and gave it to a machinist. Took him two hours using a jig. When he finished he caked the new stud with high temp anti seize and told me never to come back. I hope it goes easier for you.


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Washington is a fun and exciting state and the perfect place to buy your next id from. Here are some cool facts to learn the next time a bouncer quizzes you.
- Starbucks was founded in Seattle. My favorite combination is having coffee and wine after a long day.
- Washington is the largest grower of hops in the United States. The next time you have a beer you can thank Washington farmers.
- The state capital of Washington is Olympia. This town is known for its famous brewery.
Everyone is well aware of the fact that college students are a freedom-loving bunch. Most of them like to go out and have fun on Saturday nights, in the company of their peers. Cities vary in their leniency regarding fake IDs, some being the easy ones, while others are way more strict. Same is true for catering establishments, some bars are harder than others while restaurants tend to be easier than most clubs. It is not uncommon to be asked for back-up identification by alcohol retailers in every state across USA. In each of these situations, quality fake saves the day (or more precisely, the night).


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Early Monday chill couldn't dampen the enthusiasm of Audrey DeBarros and Saila Hanninen, who were eager to kick-start Colorado's first on demand ride-share program at the U.S. 36 and Table Mesa transit station.
They handed out freebies along with fliers announcing Casual Carpool on U.S. 36 to commuters waiting or getting ready to board public transit buses.
"I'll look into it," said Dan Mandle of Boulder. He has been commuting daily to Denver for two and a half years, he said. Though the transit bus works for him, it's good know of other options, Mandle said.
Casual Carpool on U.S. 36 is a pilot program of Louisville-based Commuting Solutions, said DeBarros, executive director of the organization. The program was developed with the help of a federal grant to reduce traffic and improve air quality, she said. An estimated 100,000 vehicles travel daily on U.S. 36, and the great majority of people using the express lanes are solo drivers, she said.
The innovative app-based program matches drivers and riders traveling in the same direction on the busy corridor with the aim to reduce the number of cars on the road, said Hanninen, director of partnerships at Waze Carpool for the Rocky Mountain Region.
The program allows users to connect during peak commuting hours at the pre-determined pickup and drop-off locations along the U.S. 36 corridor.
The app, developed by a Google owned company in Israel, also is being used in Brazil and Israel.
Waze Carpool Mission 2.0 is about reducing congestion and eliminating traffic, Hanninen said. The company's Waze app provides real-time information to help drivers avoid traffic, but Waze Carpool goes a step further to help commuters contribute to reducing traffic on the highway, Hanninen said. The app offers users flexibility to schedule rides even on short notice, but they would have better chances to find a rider or driver to fit their schedule if they plan ahead, she said.
The app makes the program dynamic, DeBarros said, adding there's interest in the program. "But it'll take time to build a critical mass. We're talking about a behavior change," she said. "We do not know how long it will take, but we're excited about the opportunity to test the pilot program." The public needs to be educated about the benefits of ditching their cars for collective good, she said. Also, technology makes it easier to share a ride than before, she said.
The program will continue through December and will be evaluated, DeBarros said. She said the goal is to have 1,200 people try carpooling.
Vehicles in the program need to be transporting at least two passengers in addition to the driver and two passengers to qualify for the U.S. 36 Express Lanes. For the first three months of the program, rides costs $1 per trip regardless of the distance. After April, the program will cost 58 cents a mile for riders, the same as the reimbursement rate for drivers.
The meet up locations include U.S. 36 & Table Mesa Station (East Bound); U.S. 36 & Broomfield Station (West Bound); U.S. 36 & Church Ranch Station (Both Sides) and Union Station in Denver (17th & Wynkoop). For any questions, email firstname.lastname@example.com
For more information, visit the commuting solutions website.
Pratik Joshi: 303-684-5310, firstname.lastname@example.com


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La Crosse schools face off in mock trial competition
LA CROSSE, WI (WKBT) — Area students got a lesson in law Saturday.
High schools across the state took part in Wisconsin's Mock Trial tournaments. including La Crosse's own Central and Logan schools. Area teams faced off at the La Crosse Courthouse Saturday. The program gives kids the opportunity to act as lawyers and witnesses, and argue a fake criminal court case in front of a panel of attorneys and judges. Organizers say students are learning more than just courtroom procedure during the tournament.
"It really gets them comfortable with presentation, and it gets them comfortable with answering questions on the spot and not knowing quite what to expect, because although they have a case to prepare for, you're never quite sure what areas of the case the other team is going to focus on, so you really have to be able to think on your feet," said coordinator Jessica Kirchner.
The winners will face off in the semi-finals in Madison, with two finalists advancing to the state level competition in front of the Wisconsin Supreme Court.


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- Home
- Parent Area
Supporting your child at school
Helping Your Child at Home
There are lots of things you can do to help your child with their learning. One of the most important things is to encourage your child to TALK ! Children who are able to discuss and ask questions about everyday experiences, their learning and developing interests or hobbies are the ones who start to make sense of the world and obtain the habit of life long learning.
The school day is only part of a child's learning experience – in order to consolidate their learning children need to practise skills at home.
Homework at St Mary's is based on class activities and children should be able to complete this independently. Obviously they will need encouragement and a quiet place to think and complete their activities.
If there are particular items you would like more information on then please let us know.
Working together in partnership can only benefit your child.
St. Mary's Primary School, 22 West Street, Stewartstown, Co Tyrone, BT1 5HT
Telephone: (028) 877 383 88 | Email: firstname.lastname@example.com


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Silver Coins
When you buy silver coins in the UK, not only can you diversify your existing investment portfolio, but you can also benefit from the tax advantages offered by investment silver. VAT free and tax free silver coins allow you to maximise the value of your silver holding and, also coins offer good divisibility. Many investors choose to buy silver British coins to give breadth to their precious metal assets and offer additional security on the commodities market to supplement a traditional paper investment portfolio. With the price of silver far lower than gold (up to 80 times cheaper), coins are a popular way to start a precious metal holding on a budget. And with the price of silver offering the potential for long term growth, it's growing in popularity for all kinds of investors. Silver is a precious metal, less rare than gold but with a similar finite supply and is used in many commercial applications making the supply and demand situation a foregone conclusion. High and rising demand coupled with a limited supply can only prove long term silver investment to be a profitable one.
Delivery of your metals are fully insured and discreet. If you want the peace of mind of storage, then you metals will be insured, allocated and segregated in an LBMA approved depository. Read More
We only deal in physical precious metals, no electronic or paper ownership. No leverage, ETFs or funds. Just real gold and silver in your hand or stored in segregated vaults. Read More
All our products are sourced directly from mints or authorised distributors and verified by our numismatic experts. Certificates of authenticity can be provided on request. Read More
1 week
from: £27.70
Limited quantity
1 week
from: £26.73
3-4 weeks
1 week
from: £43.93
2 -3 weeks
from: £28.77
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Silver UK coins offer good starter coins with greater divisibility than bars.
We hope you enjoy, watching our Video, "5 best silver coins to invest in"
When compared to silver bars, tax free coins provide greater flexibility when it comes to selling your silver. Due to coins having a higher cost of production, bars offer better value for your money when you are purchasing a greater volume of silver but do not allow divisibility of your assets in the same way as coins. Also, coins (other than silver bullion) offer a chance of achieving greater returns when you factor in collector's premiums. Old British coins, for instance, can have a scarcity value that may appreciate more than the price of silver alone. There are several options to choose from when buying through Physical Gold and other silver coin dealers:
- VAT free
- Capital Gains Tax free Old British / collectable
- Foreign investment coins
- Bullion coins
We carefully source silver coins UK and internationally which offer a VAT-free solution for investors as well as offering the Silver Britannia which is also exempt from Capital Gains Tax. You can select from our silver bullion coins; investment grade, un-circulated British coins for sale at a discount rate. We also supply old British coins that have historical or collectable value. Usually attracting a greater premium than bullion, collectable coins appeal to numismatists as well as investors.
You can buy silver coins for sale in the UK sourced internationally that are also offered with VAT exemption. We supply a range of foreign VAT free silver coins including the Austrian Philharmonic 1 oz, Silver Maple Leaf and 1 kilo Australian series. We can offer economies of scale when you purchase greater volumes of these coins. The 1 kilo Australian series is a popular choice of silver coin for sale in the UK as its large size offers value for money. A weighty piece that whilst not offering good divisibility retains a collectable premium. This size of coin negates the premiums of manufacturing costs for the equivalent value of coins in smaller denominations. Offering similar economies of scale to silver bars, the 1 kilo coin comes in a variety of designs to celebrate native Australian wildlife and includes the silver Kookaburra and Koala.
If you are investing specifically to avoid Capital Gains Tax (CGT) then the Silver Britannia is the best option. An iconic bullion coin, the Silver Britannia is issued annually with 2017 marking its 20th Anniversary and is also available in a variety of sizes to appeal to the collector's markets. The 1 oz coin offers the best value for investment purposes, but collectors may be drawn to this coin for numismatic reasons; particularly as the design of the Britannia changes regularly. Exempt from CGT, the Silver Britannia is a great way to future proof the profits from your silver investment.
As silver coins dealers, we can also supply limited edition, proof and collectable UK silver coins including old British coins. Collectable series of silver British coins such as the Queen's Beast, Lunar and Landmarks range, issued by the Royal Mint, are limited in number and have attracted a good deal of interest from both the domestic market as well as foreign markets. One of our best silver coins for sale is the 2oz Dragon silver bullion coin, the third in the Queen's Beast series, it is a popular choice with both investors and collectors. The low price point entry for this coin makes it a good choice for both investors and collectors.
We have prepared a detailed article to answer this question, please visit Are silver coins a good investment? to learn more.
Genuine silver coins are not magnetic. With purity of popular silver investment coins such as Britannias close to 100%, only replica (fake!) coins will be magnetic. Coins made with far lower purities of silver, mainly mixing in steel or iron will show signs of magnetism, so should be avoided. Non-magnetism doesn't guarantee that the coin is silver though. Metals filled with a core of non-silver will likely not be magnetic either.
Yes, their value is a combination of the underlying silver price, their weight, and the coin's rarity and desirability. Generally, a silver coin will sell for around 96-98% of the current silver value for its weight. So, a 1oz coin may fetch around £11 or so. If the coin is part of a limited issue and demand is higher, the value is likely to be 5-10% higher.
It's advised to hold coins for the long term and always hold a portion of your wealth in silver as a balance and hedge against market downturns. Having said that, the amount you hold can vary according to market conditions and the silver price. Timing will depend on the price and time you bought them (was the market high or low), your need to liquidate and the current silver price. Buying low and selling high is the ideal scenario!
Yes, they are legal tender in their country of issue if they possess a face value. In the UK, Silver Britannias and other Royal Mint issued coins have face values and can, in theory, be used in shops. But this would be an uneconomical choice. With a face value of 2 Pounds, the silver content alone is worth at least five times that. Instead, the legal tender status helps silver investors as any capital gains made upon selling the coins are free from tax.
We have provided a detailed answer to this question, at this separate page.
Choosing silver coins vs silver rounds will depend (ultimately) upon your objectives. Silver rounds can generally be bought at lower prices for their weight as they're produced by private companies rather than national mints. With less liquidity, rounds are likely to be sold as scrap in the future. Coins though have a face value and its possible to save 20% in VAT because of this. Certain legal tender coins are also CGT free, so any profits are tax exempt.
The best way is first to keep them in the plastic capsules or tunes they arrived in. If they came loose, then purchase some coin tubes. Large orders of 250 coins or more can come in monster boxes of 20 tubes or more and can help with neat stacking. Try to handle your coins as little as possible. Placing carbon pieces from a pet shop in the box can help prevent the hydrogen sulphide tarnishing the coins.
Silver acts as a preserver for many substances. As a colloidal metal, it can help prevent diseases and be anti-bacterial. Certainly, adding a clean silver coin to some water will help with its purity. However, simply dropping a silver coin into a glass of dirty water will not rid it of all its nasty elements.
We have written a detailed and dedicated blog article on this topic. Click here to read our full answer.
The best place to buy all precious metals is from a reputable dealer. They will likely have a wide choice and stock which can be delivered to you with insured delivery, saving you the time and security of having to pick them up in person. A good dealer will be able to offer guidance and a buyback guarantee. Some silver brokers can sell coins without charging VAT.
Currently, they are incredibly cheap relative to their historical ratio to gold. This would suggest that their value is set to rise in the future. Coins offer superb divisibility rather than buying silver bars but still offer quantity discounts. UK coins can be VAT and CGT free, which foreign silver bars and coins cannot. With industrial demand for silver in computers on the rise, the future looks bright for silver.
Rare coins with history are always worth more than coins based on weight alone. Collectors are willing to pay huge premiums for scarcity. Some Morgan Silver Dollar coins worth 1$ Face value and £8 melt value, are actually worth over £300k due to their scarcity. Based on weight alone, the popular 1kilo coins such as the Perth Mint Koalas and Kookaburra coins are worth around £500 each.
Investment coins are as near to pure as possible. Popular bullion coins such as the Britannia are struck to 99.99% purity. None are 100% pure silver. Silver currency coins such as the 50 pence piece are not made from silver at all despite their colour. Their alloy is 75% copper and 25% nickel, a mix known as cupronickel.
The number of banks offering a retail service selling silver coins is dwindling. It's now only possible to buy from certain banks such as Scotiabank in some countries, but not in the UK. This is because the banks don't want to commit the necessary resource for dealing in precious metals. For this reason, any who can source your silver coins, will not buyback. The price they sell at will be relatively high, reflecting their lack of appetite for the business.
A natural by-product of silver is its reaction to chemicals and humidity in the air. Tarnishing occurs when the silver atoms encounter oxygen, forming a silver oxide. Unlike rust, this protective layer doesn't infiltrate into the silver. Tarnishing, also known as toning, can be removed by using a coin cleaning solution and minimised by keeping coins in airtight containers.
They are worth significantly more than their face value. A £2 silver Britannia has a melt value more than 5 times its face value. Also, they can possess a degree of numismatic value, which reflects their rarity, age and desirability. Limited issue coins may be worth more again. The face value benefits the buyer by qualifying the coin as capital gains tax-free.
We have provided a detailed answer to this question, at this separate page.
Placing a silver coin into milk will delay the time it takes to go off. The coin has to be 99.9% pure rather than a lower mix alloy to work. The natural anti-bacterial qualities of colloidal silver will not prevent the milk spoiling entirely but can prolong its life for 5-10 days. Infact, before refrigeration, silver was used regularly to achieve longer life milk and keep water pure.
Please read our dedicated post to answer this question, which is available at this link - https://www.physicalgold.com/insights/are-silver-coins-or-bars-better/.
One or two silver dealers have developed intricate systems to allow the purchase of coins without charging VAT. Physical Gold Limited achieve this by selling coins with a face value which have a supply chain which touches a point within the EU first. This triggers an EU double taxation treaty, allowing VAT free silver coins.
Silver is far cheaper than gold, making it more accessible to the modest investor. The current price ratio between the two metals is at its widest point in history, suggesting silver has far more potential upside. Gold acts more like a classic safe haven to protect investors in economic downturns. While silver also acts in a similar way it also benefits from industrial demand due to its conductive qualities. Silver can be more volatile and dealer spreads are slightly wider than the gold market.
Our 50p and 5p coins are known as silver. However, they no longer contain any silver at all. Instead, they consist of cupronickel, a mix of nickel and copper. This is far cheaper and more resilient than using silver. Silver investment coins like the Britannia consist of 99.99% pure silver. While they have a face value, they are not actively in circulation. In theory, you can legally spend this coin in the shops, but its £2 face value is less than a fifth of its silver value.
Vinegar can be used to clean non-valuable coins but is not recommended for pure silver coins. The use of vinegar could lower the value of the coin. The best bet to clean is with warm soapy water. Avoid using a brush as silver can be soft and scratch. Instead, use a cloth and fingers to rub any dirt away after soaking.
Silver investment coins are made from pure silver (99.99% purity usually). Silver currency coins such as the fifty pence piece or 5p are made from a mixture of nickel and copper. The alloy consists of 75% copper and 25% nickel, which when combined form a resilient metal known as cupronickel. UK coins were made from 92.5% sterling silver until 1920 and then this reduced to around 50% purity until 1947. Cupronickel was introduced in 1971.
Silver Eagles can provide a good medium to long term investment and balance to other assets. The 1oz coins afford high flexibility to sell small parts of the silver holding compared to owning huge silver bars. The mass-produced coins are relatively cheap compared to collectors' coins and their value can rise along with the underlying silver price and age of the coin. Many analysts feel the silver price is very undervalued, suggesting holding silver Eagles will benefit the investor in the long run.
They can be sold in various ways. Many silver dealers can be found online who will pay you according to the weight of silver, and potentially extra if the coins have a historical or scarcity premium. They will be able to explain the process, but generally, you will need to send the coins to them after agreeing on a price. These coins can also be sold at auctions (for highly valuable coins or large collections), at a local jeweller if convenience is a higher priority than price, or privately.
The best coins to invest in for UK investors are the Royal Mint produced coins. The silver Britannia should form the backbone of the investment as the standard coin is cheap but very liquid. Combining this with some more limited issue coins such as the Queen's Beasts and Lunar series will provide portfolio balance and create the chance to benefit from these coins rising in value quicker due to limited issue. All UK Silver coins have the advantage of being Capital Gains Tax-free.
Your average high street bank will not buy them from you. It's possible they would exchange the coins for their face value but that would be a foolish strategy as these values fall well short of the actual value. It's far better to seek the help of a reputable silver dealer who specialises in precious metals and will pay well for them as they can sell them onto other customers.
In theory, yes, silver coins can conduct electricity. But we're only talking about the pure silver investment coins which contain 99.9% silver. Silver is by far the most conductive of all elements, to the point, where all other metals are benchmarked against silver to gauge conductivity. Silver currency coins which contain no silver at all will conduct electricity at a far lower level.
If you have very old coins with a value far greater than its simple silver weight, then either sell them through an auction of a specialist dealer. For bullion silver coins, silver dealers will provide the best price and trustworthy service. If you have time on your hands, then you can try selling privately through portals such as eBay, but this poses risks. For scrap coins, local jewellers are easy to sell to but are prepared for low prices.
Uncirculated silver coins are recommended for investors. They are far cheaper than proof coins so you can get more silver for your money. Silver dealers won't pay much more for silver proof coins when you come to sell. If you're a coin collector, then proof coins can add a higher sense of finish and exclusivity to the coin.
The best way to clean valuable silver coins is with warm soapy water. Soak the coins for 10 to 15 minutes turning them occasionally. The coins can then be rubbed dry with a cloth, paying attention to removing any surface dirt. Avoid using a brush which could scratch the silver or chemicals like vinegar which could detract from the coin's lustre.
Silver coins should ideally be bought when the economy is quiet, and the stock markets are doing well. This usually means a low silver price so you can secure coins at this level. The value of coins rises with the underlying silver price and should be considered a medium to long term hold due to short term volatility. Buying silver regularly is another strategy to gradually accumulate a substantial holding by averaging out buy prices.
Silver coins can be bought directly from the US Mint's website. In a similar way to the Royal Mint, you're restricted to buying coins only produced by the mint. They won't sell 3rd party coins. Due to their reputation, the mint doesn't need to be super competitive on prices and won't generally offer quantity discounts. There is a focus on boxed proof coins rather than bullion coins. Better deals will be had from buying from a silver dealer, who will offer to buy back the coins, provide lower prices and more choice.
If you want hassle-free storage, it's best to store coins with the silver dealer from whom you bought. This usually entails storage in a specialist warehouse to maintain the silver's integrity and includes insurance. If you want to store yourself, then the coins should be kept somewhere secure and be insured against theft. Reducing the amount of handling and oxygen to the coins will help prevent tarnishing. Keep the coins in their tube and keep airtight if possible. If bought in large quantity, silver coin tubes can be stored in monster boxes (of 20-25 tubes), and the boxes conveniently stacked.
We have provided a detailed answer to this question, which is available at https://www.physicalgold.com/insights/why-invest-in-silver-coins/.
A very quick way to test silver coins is to place an ice cube on top of the coin. As the world's best conductor of electricity, the ice cube should start to melt immediately compared to one placed on a wooden surface. Testing the silver coin for magnetism can't prove it's genuine, but any sign of sticking to the magnet will prove it's a fake. When looking at well-known silver coins, careful visual comparisons with a real silver coin will usually unearth some straightforward differences with finish, detail and edging.
Silver Britannias are the best silver coins to buy for investment. They're mass-produced bullion coins so offer a high degree of value. Limited issue coins tend to command a premium. Britannias are 1oz in weight so provide divisibility. Any profits made on selling silver Britannia coins are CGT exempt as the coins are legal tender in the UK. There's a strong second-hand demand for the coins so selling prices are high.
Britannia coins are an excellent investment for the medium to long term. Silver is currently very cheap compared to historical values. Industrial demand for silver is rising with advances in technology as silver is used for its conductive qualities. Silver Britannias are an excellent option is they're highly liquid, world-renowned and tax-free for UK investors.
Buying silver coins is an excellent option for those seeking a tangible asset with no counterparty risks. The value of silver can rise with industrial and investment demand, but supply is very limited due to its precious metals status. Coins can be a better option to buy than silver bars as they can be tax-free and can be sold is small sizes. Discounts are available for buying in larger quantities of coins.
Don't be tempted to buy coins from online shops like eBay and Craigslist. Authenticity can be a huge problem if you buy privately. Stick to buying from prominent silver dealers so you can rest assured that the silver is real. They will also provide the facility to store the silver if you wish, deliver it to your door, and buy it back in the future. Physical Gold Limited have structured their online portal to offer silver coins without charging VAT.


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So in l*** with someone I can't have
There is a woman at work who I am attracted to. We stare at each other a lot. she's not afraid to make eye contact with me. I have stared at her so much she knows I find her hot. I know she thinks I'm good looking too. She told a mutual friend that she thinks I'm hot and would f*** the h*** out of me if given the chance. Its killing me knowing this. I am married however and can't be with her. Sometimes I feel like just throwing caution to the wind and being with her. Especially now that she's taken to touching me on the arm when we talk to each other.
I truly don't know what to do. I want her but I am married.
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She would f*** the h*** out of you if given the chance? GIVE HER THE CHANCE!!!
Tell your wife before you do anything. This way you save your ass and your marriage, hey hopefully shes down with an open relationship
You "don't know what to do" with this woman? You f*** her. And then later on, you f*** her again. And then after that, you just . . . keep . . . f****** her.


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Bakersfield residents and travelers passing through California's Central Valley can enjoy fishing, boating, cycling, jet skiing and much more at Buena Vista Aquatic Recreational Area. Visitors who want to stay for a few days can pitch a tent or park their RV at the park's spacious campground. Situated on the banks of the park's largest lake, the campground has numerous waterfront campsites and a limited number of sites with electric hookups. But before you head to the park, here's a bit of helpful information.
About Buena Vista Aquatic Recreational Area
Located 25 miles from Bakersfield, the Buena Vista Aquatic Recreational Area has facilities for a variety of outdoor activities. Sports enthusiasts can play basketball or soccer and kids can enjoy the swing sets and slides on the playground.
Lake Evans and Lake Webb are the park's main attractions. On the 873-acre Lake Webb, you can enjoy fishing, boating and jet skiing. The park allows just 300 boats and 125 jet skis at one time on the lake and limits speeds to 45 mph. Lake Evans, available for boating, sailing and fishing, encompasses less than 90 acres, with a boat speed limit of 5 mph.
The park has three boat ramps and paved roadways which are wide enough to accommodate motor vehicles and bicycles. Surrounding the lakes, you'll find picnic areas, equipped with barbecue grills and picnic tables. The park also features three picnic pavilions that can accommodate 100-400 people, depending on the site.
Buena Vista Campground
Designed to accommodate group and family campers, the park's campground sits on the banks of Lake Webb. With 112 campsites, the campground welcomes tent and recreational vehicle campers, but only a limited number of sites have electric hookups. The campground is equipped with a dump station, six bathrooms and two bathhouses.
You can bring up to two well-behaved pets to camp with you, but you must keep them on a leash. You can reserve a maximum of two campsites at one time and the park limits stays to 14 days in peak season, mid-March through mid-October, and 31 days the remainder of the year.
Park Fees
The park charges a vehicle entrance fee of $7 per day. Boaters must pay a $7 per day boating fee. During trout season, November to April, fishermen must pay a $6 per day fishing fee to cast their lines in Lake Evans.
During peak season, campsites with utilities cost around $36-40 per night and sites without utilities run about $28-34. The rest of the year, campsites with no utilities run around $16-20 per night, or $24-25 with utilities. When making your reservation, you also must pay an $8 reservation fee per campsite. The park offers discounts of $2-15 for folks 62 year of age and older, disabled citizens and disabled veterans.
You can make a reservation over the phone or on the Buena Vista Aquatic Recreational Area website.
Buena Vista Aquatic Recreational Area
13601 Ironbark Road
Taft, CA 93268
(661) 868-7000
Other Campgrounds in the Area
If you're an RV owner and need a site with full hookups, you can find a number of private campgrounds in the area.
The Bakersfield RV Resort, located in South Bakersfield has campsites equipped with water, electric, cable television and sewer hookups, which cost about $55 per night.
This pet-friendly campground has a fitness center, spa, clubhouse, swimming pool and restaurant.
Bakersfield RV Resort
5025 Wible Road
Bakersfield, CA 93313
(661) 833-9998
Bear Mountain RV, located 17 miles east of Buena Vista Aquatic Recreational Area, has 130 campsites, all with full hookups and WiFi service. Bear Mountain also has laundry facilities, a dog walk and bathhouses. Rates run around $27 per night or $150 per week.
Bear Mountain RV
16501 South Union Avenue
Bakersfield, CA 93307
(661) 834-3811
Leaf Group is a USA TODAY content partner providing general travel information. Its content is produced independently of USA TODAY.


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218 8640 Citation Drive, Richmond Listing #: R2492493
Immaculately kept, this lovely home boasts a well-layed out living and dining area. Sleep comfortably with 2 spacious bedrooms that can generously fit two beds in the primary bedroom. Natural light invites itself into this rare corner unit designed for space and comfort throughout. Step out onto your private balcony where you have access to your in-suite storage. Contains a flex room for an oversized pantry, storage, or den. Chancellor Gate boasts recreation/amenities facility that will exceed your expectations: outdoor pool, ping-pong, lounge, games, tennis/bball court, sundeck and more. Enjoy this family-friendly environment with walking distance to Schools, Garden City Park, Richmond Centre Mall, and public transit.
Taxes (2020): $1,348.24
- Club House
- Pool; Outdoor
- Shared Laundry
- Storage
- Swirlpool/Hot Tub
- Tennis Court(s)
- Dishwasher
- Refrigerator
- Stove
Site Influences
- Central Location
- Recreation Nearby
- Shopping Nearby
Similar Listings
Listed By: Keller Williams Realty VanCentral
Disclaimer: The data relating to real estate on this web site comes in part from the MLS Reciprocity program of the Real Estate Board of Greater Vancouver or the Fraser Valley Real Estate Board. Real estate listings held by participating real estate firms are marked with the MLS Reciprocity logo and detailed information about the listing includes the name of the listing agent. This representation is based in whole or part on data generated by the Real Estate Board of Greater Vancouver or the Fraser Valley Real Estate Board which assumes no responsibility for its accuracy. The materials contained on this page may not be reproduced without the express written consent of the Real Estate Board of Greater Vancouver or the Fraser Valley Real Estate Board.


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Lounge Beanbag
Longer size lounge seating with a backrest - ideal to have a cinema night with the friends or browsing through the book.
- Size: Length 120 cm Max height 60 cm Min height 12 cm
- Composition: 100% OEKO-Tex Cotton
- Filling: EPS beads 100% toxic free
- Removable cover
This nice beanbags fits into living room as well as into kids room. By the way, it looks great with other collection items - teepees, tents and ottoman.


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| 7.8°C Belfast
An equality watchdog has made a U-turn over its decision to accept a council review into the naming of a children's play park in Newry after IRA hunger striker Raymond McCreesh.
The Equality Commission had previously accepted that the review carried out by Newry and Mourne District Council had complied with its recommendation.
However, it has now backtracked and called for the council to debate and vote again on the naming of the play park. The commission said that after the granting of leave to apply for judicial review proceedings by 88-year old Bea Worton in April, it had given further consideration to the case.
The grandmother took legal action when she learned that McCreesh had reportedly been caught with a weapon used in the Kingsmills massacre.
Mrs Worton's son Kenneth was one of 10 Protestant workmen who died when their minibus was ambushed by the Provisional IRA in January 1976.
Mrs Worton welcomed the new decision by the commission, saying she hoped it would put an end to the long-running dispute.
She added: "I would love to see that name removed from the play park.
"I am sure there are plenty of other people in Newry who are entitled to it being named after them other than a terrorist."
It is now understood that the legal action will be suspended in light of the latest recommendation. In March 2014 the Equality Commission, after an investigation under Section 75 of the Northern Ireland Act, recommended the council review the decision to name the play park after McCreesh, who died in 1981 during the republican hunger strike in the Maze.
But the council voted not to make the change.
The following March the commission, while expressing its disappointment, accepted the review had complied with its recommendation.
It has now rescinded that verdict.
But it said that the new review should be transparent and take proper account of the legal obligations to promote equality of opportunity and regard to the desirability of promoting good relations.
Mrs Worton's son Colin welcomed the move but added it was a "pity" it only came after his mother launched legal action.
"It's nerve-racking for anyone to take a case against a Government body," he said. "I would hope that the council would come to their senses and use their grown-up thinking and change the name so that it's suitable to everybody, as using an IRA man's name on a children's play park is sickening."
Newry, Mourne and Down District Council said: "The council has noted the letter from the Equality Commission but feel it would be inappropriate for council to comment at this time as this matter is presently before the High Court."
Belfast Telegraph


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Western Maine Health Care Corporation to take dialogue about a unified system to local communities
June 12, 2017
Contemplates change in governance model and financial structure and seeks community feedback
The member organizations of MaineHealth over the past eight months have been in preliminary discussions about reorganizing themselves under a single Board of Trustees and combined financial structure, have decided to take that conversation to the communities they serve. Western Maine Health Care Corporation, which includes, Stephens Memorial Hospital, is a member of MaineHealth.
In a series of board votes at nine of the 10 entities that make up Northern New England's largest healthcare system, MaineHealth members decided over the course of the past month that the time was right to engage their communities in a dialogue over what the organization calls "unification." One organization, Memorial Hospital in North Conway, N.H., will be slightly delayed in its outreach and procedural votes so that it can address a regulatory process specific to New Hampshire.
The proposal under discussion would create a single, system-wide Board of Trustees for MaineHealth. It would also leave in place local boards that would retain significant responsibility for the hospital services and other care delivered in local communities.
The inability to deploy resources across the system has become a significant problem for MaineHealth's community hospitals in recent years, which are under increasing financial pressure because of changes in the way health care is being delivered.
"The good news," said Bill Caron, president of MaineHealth, "is that, overall, MaineHealth is in strong financial shape. We believe that MaineHealth is positioned, as a system, to deliver the right care in the right place at the right time for all our patients."
"The new structure being considered leaves in place a strong role for local boards and includes safeguards aimed at making sure communities will continue to receive the services they need," said Timothy A. Churchill, Western Maine Health President and Chief Executive Officer. "The governance proposal under consideration includes local oversight of care quality and the credentialing of doctors and other providers, a continued relationship with local donors, a defined role in the budget and planning process, and oversight of community health initiatives."
"It is very important we preserve local identity and don't lose the input of people in our communities," said Susannah Swihart, chair of the MaineHealth Board of Trustees. That's why, Swihart said, the member boards across MaineHealth decided they needed to turn to their local communities for a dialogue about the proposed changes. "Before any final decisions are made, we need to hear from our community stakeholders. We believe we've found a balance that allows us to leverage our system resources to deliver care across our service area while maintaining significant local decision making. But we're anxious to hear if the people in the communities we serve think so as well."
Throughout the summer, MaineHealth member organizations will be meeting with individuals and community groups to explain the unification proposal and gather feedback. Each member organization also plans to hold one or more community forums open to the public between now and the end of August. Stephens Memorial Hospital will hold its panel-based community forum on Wednesday, June 28, in the Harper Conference Center (193 Main Street, Norway, Maine) from 5:00-6:30 p.m. The public is invited to come, learn more, and ask questions.
Find out more about MaineHealth's Unification Dialogue


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As part of the process to enable Integrated Windows Authentication (IWA), users must configure their web browsers to work with the IWA Connector. Provide these instructions to Chrome and Microsoft Internet Explorer users who will authenticate using IWA, or use Windows Group Policy to enforce these settings for users in your corporate domain.
- On the computer that will authenticate using IWA, open Control Panel > Internet Options.
- On the Advanced tab, in the Security section, verify that Enable Integrated Windows Authentication is selected.
- Click Apply.
- On the Security tab, select Local Intranet.
- Click Sites.
- Click Advanced.
- In the Add this website to the zone field, enter the name of your corporate Windows domain (for example, mycorporatedomain.com), and click Add. If the RSA SecurID Access Application Portal URL and the IWA server URL are not within the Windows domain, enter those URLs also (for example, portal.sso.mycorporatedomain.com, iwa.sso.mycorporatedomain.com).
- Click Close and OK to exit all open dialogs.
Previous Topic:Configure Firefox for Integrated Windows Authentication
You are hereTable of Contents > End User Rollout > Configure Chrome and Microsoft Internet Explorer for Integrated Windows Authentication


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Open Government Program
All Resources
Search a listing of Government of Alberta open datasets and publications. Can't find what you are looking for? Suggest a resource.
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February 11, 2015
(StatCan Product)Annual business entries per 10,000 people and the percentage of firms considered high growth using Organization for Economic Co-operation and Development (OECD) definitions for selected provinces. Customization details: This information product has been customized to present...


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Style Feature - Ashleigh
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incl. 16% tax excl.
Shipping costs
The Trebbiano D'Abruzzo is read by hand between the 20th and 30th of September in the old vineyards of Martinsicuro. Here the grapes have the best climatic conditions. In connection with the organic cultivation the typical aromas of the Trebbiano are still improved.
Halfway between the Adriatic Sea and the Gran Sasso, on the left bank of the Vibrata River, in the area around the small town of Torano, grow the grapes of Torri Cantine. Here Torri Cantine works according to the best oenological tradition of Abruzzo. The favorable climatic conditions and the generous land combined with the quality of the work make wines of great value.
Organic wine according to DE-ÖKO-037
Packed and bottled in ecological and sustainable wineskin.
Content: 5 liters
Country of origin: Italy
Growing region: Abruzzo
Vintage: 2017
Producer: Tenuta Torri Cantine
Vine: Trebbiano
Winemaking: Vintage by hand between the 20th and 30th of September. Classic mash fermentation in stainless steel tanks at low temperature.
Ripe for consumption: Now
Alcohol: 12%
Shelf life: 1-2 year
Serving temperature: 8-10 ° C
Mass: about 5.1 Kg
Certificate: IT BIO 009 Agricoltura UE
Goes well with ...
Every meat dish and fresh pasta (ravioli), risotto, fish appetizers and vegetarian dishes.
Contains sulphites
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Ideal for sports, exercise, and medical use, this Protekt Finger Pulse Oximeter in white from Proactive Medical can tell you the oxygen saturation of your blood (SpO2) and help you monitor respiratory conditions. It also measures your pulse and heart rate. A heart rate bar graph and other digital readings are conveniently shown on the built-in digital display. The oximeter is an easy-to-use and non-invasive device. Simply place your finger inside, press the button, and a painless infrared light does the rest. An auto-shutoff feature helps to preserve battery life when you're finished.
Warranty:30 Day Warranty
- View SpO2, Pulse & Heart Rate Readings
- Built-In Digital Display
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What you get:One [1] Proactive Medical Protekt Finger Pulse Oximeter


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WINSTON-SALEM, N.C. — Amy Pantano caught the teaching bug by accident.
As a teenager, she said, she was unmotivated and simply chose the profession because she figured it would be relatively easy and that she would have regular hours and summers off.
But, Pantano found out, she was wrong on all counts. Teaching is challenging, she said; she works 10- to 11-hour days and sometimes on the weekends. But something interesting happened along the way — Pantano fell in love with teaching. And 11 years later, Pantano, a fifth-grade teacher at Kernersville Elementary School, was named the teacher of the year for the Winston-Salem/Forsyth County Schools on Thursday morning.
"There are so many amazing teachers in this school (and throughout the school system)," she said after learning of the honor in a surprise announcement marked by balloons and a Peace Lily delivered to her by a group including her principal, Rebecca Carter; Superintendent Beverly Emory; district and school officials; and school board members. "To be considered is an honor. To be in the top four (finalists) is crazy. … I'm floating right now."
Her students nearly crushed her with hugs, and Pantano was visibly emotional. She later described the moment as surreal.
"She's the real deal," Carter said. "She's brilliant, caring, fun-loving and relatable. She has it all. She is the total package."
Pantano said she views her passion and dedication as part of the job and are traits she sees in other teachers, including her husband, Frank Pantano, who quit his job as a patent lawyer because he saw how much his wife loved being in the classroom. He now teaches at Atkins Academic/Technology High School.
"I can't expect children to work to their potential if I don't work to mine," she said. "Educators today are the example for our children, and we need to demonstrate a life-long love of learning and a desire to constantly better ourselves if that's the kind of people we want our children to become. That's the true definition of a professional educator."
Gary Cone, principal at Paisley IB Magnet School, was a member of the committee that selected Pantano. He was named the school system's principal of the year in October.
Cone said Pantano has compassion for her students and excellent communication skills. The committee also loved her philosophy on teaching, which focuses on the needs of each individual student, Cone said.
Pantano said that she really started to fall in love with teaching while she was a student teacher at a middle school in Kutztown, Pa. She had a mentor who gave her the freedom to experiment in the classroom, she said.
"If I'm bored, they're bored," she said.
She then spent two years at 13 th & Green Elementary School in Reading, Pa., where she said she learned the value of teaching to a diverse student population. Pantano said she came away with the importance of teaching to the needs of each student.
Carter said that Pantano has a gift for reaching students. Students in Pantano's class have an unforgettable experience, Carter said.
Brianna Mendez, 12, certainly agrees.
"She always tells us never to give up," Mendez said. "She's an awesome teacher. She inspires me sometimes when I don't think I can do it."
The Teacher of the Year Award is sponsored by Flow Honda, which gives the winner a one-year lease of a new vehicle. Pantano will represent Forsyth County at the regional Teacher of the Year competition.


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Marrakesh, Morocco: Agricultural projects envisaged in Kuwait's development strategy can realize food self-sufficiency by 2040, according to a ranking Kuwaiti official on a present visit to Morocco.
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My 10 yr old son, Kaleb, loves coming up with costumes where he seems to have either lost his head, be only a head, or headless and holding his own head! This year he decided on being a Headless Scarecrow! From the looks of it, the crows must not have been very afraid of him.
The fun part of this costume is the optical illusion it gives. It makes you think he is very tall and holding his own head! Kids (and adults too) will walk away wondering "How did they do that?"
To start, you need to make a sturdy frame. I used small pvc pipe and plastic corner connectors. Other materials used were – safety pins,old gloves, overalls, flannel long sleeved shirt, hot glue,scraps of fabric, long paper tube roll or pool noodles and of course, good old duct tape.
Our frame was rectangular and the top cross bar served as the shoulders when finished. We placed the frame into a small backpack (that was comfy for my son to wear) and safety pinned it closed around the frame, tightened the straps and started getting dressed.
I stuffed a plastic shopping bag full of hay and tied it to the top cross bar so our scarecrow would look stuffed (but not have hay falling all over my son).
Next we carefully put the shirt on, later I added a paper tube roll (from gift wrap) for the arms (my husband said I should have used pool noodles, and I think he was right, but you didn't hear me say that!)
The overalls are what helps hold the whole thing together. My son had to carefully step into the pants while holding the shirt, and then hold the pants up while I got the straps into place and buckled; a little tricky, but very do-able.
I had to cut the front of the overalls to make a hole for my sons head to poke through. There was actually a big pocket that I cut and just moved it lower. I don't sew, so I just hot glued it around the edges. Ta-Dah! You could never even tell! Since there are buttons on the sides of the pants, it was pretty easy for Kaleb to put his arms in or out as needed, but he liked keeping them in.
After seeing it all together, I started decorating; stuffing and gluing more hay, bent the arms and put the gloves on and pinned into place. I poked a few holes and pulled hay through, added some patches, and of course put that pesky crow on the shoulder.
Kaleb's costume looked great. He loved wearing it. He wore it to his school party and won the costume contest. He said I may have added a bit too much hay around the bottoms of the pants because they played the game 'Heads Up 7 Up' and everyone knew it was him who was 'it' because of the trail of hay he was leaving.
He also wore it to our local farmers market trick-or-treat day. It was like walking through there with a celebrity. People were stopping us and asking me to take their picture with him. He thought, that was awesome.
I love helping him make his ideas come to life. He is a great kid and loves Halloween, just like his Mom!


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Hate-mongering patriots – "a dangerous strain of extremism with both a rap sheet and a body count."
Commenting for CNN on the death threats that followed the health care vote, and the arrest of the Hutaree group (who are alleged to have planned the murder of law enforcement officers in order to provoke anti-government rebellion), John Avlon wrote:
These incidents may be following the drumbeat of incitement offered by a new breed of anti-government paramilitary organizations that have proliferated during the Obama presidency. Their members are self-styled patriots, armed and ready for a new American Revolution. They warn of martial law, seizure of guns, and imposition of global government, complete with forced internment camps and mass executions.
When love of country is mixed with fear of the government and hate for the president, that's when you become a Hatriot. We've confronted these forces before as a country. The record shows that the Hatriots are not part of a benign movement of patriots, but a dangerous strain of extremism with both a rap sheet and a body count.
In 2009, the Southern Poverty Law Center tracked a 300 percent increase in the number of militia groups operating in the United States – from 42 to 127 such groups at the year's end.


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The recent incident in which the USS Gravely made a close-in pass on the Russian frigate Yaroslav Mudry in the Mediterranean was a case of the US vessel trying to protect an aircraft carrier from Russian "observing operations," the Pentagon claimed.
In the recent mid-sea encounter, the US guided-missile destroyer Gravely made a high-speed, close-in maneuver just meters away from the Russian Navy frigate Yaroslav Mudry. The encounter took place on June 17 in the eastern part of the Mediterranean.
The USS Gravely approached the Yaroslav Mudry and passed across her course at a "dangerous" distance of 180 meters (55ft), the Russian Defense Ministry said in a statement on Tuesday, adding the Americans' conduct was profoundly unprofessional and violated a number of international maritime regulations.
But an anonymous American defense official told Defense News that there was more to the incident, insisting the Russian frigate was observing operations and maneuvered too close to the US carrier Harry S. Truman, which was being escorted by the USS Gravely.
"Gravely was operating astern of Harry S. Truman, and assessed that 777 [Yaroslav Mudry's pennant number] was intentionally trying to interfere with Harry S. Truman operations," a US defense official told the media.
The USS Gravely therefore moved to place herself between the Yaroslav Mudry and the USS Truman, but "the Russian closed to within 315 yards," the official said – in contrast to the Russian Defense Ministry's assertion that the Gravely passed across the Yaroslav Mudry's course at a distance of 55ft.
The media cited the official as saying that the Russian frigate had displayed day shapes "ball-diamond-ball," an international signal for a vessel restricted in her ability maneuver, but then freely maneuvered in both course and speed as the Gravely changed course and speed.
"The maneuvering demonstrates that 777 [Yaroslav Mudry] the was not in fact restricted in her ability to maneuver, and was thus intentionally displaying a false international signal," the official said. He added the warships were closer to each other than in similar incidents involving the Russian and US navies.
The US Navy has recently deployed two Carrier Strike Groups (CSGs) in the Mediterranean, with the aircraft carriers Harry S. Truman and Dwight Eisenhower and their escort active in the operational area at the same time.
"There are undoubtedly folks who are watching [the deployment] and this is just a graphic representation of what we're capable of," said US Rear Admiral Bret Batchelder, the highest-ranking officer on the USS Eisenhower, as cited by the Wall Street Journal in early July.
"It provides some needed presence in the Med to check … the Russians," an unnamed military official told the magazine, explaining the presence of two carriers in the area. "The unpredictability of what we did with Truman kind of makes them think twice."
The Harry S. Truman is a flagship of Carrier Strike Group 8 comprising the Ticonderoga-class guided-missile cruiser Anzio and several escort ships, including two Arleigh Burke-class destroyers, the Gravely and the USS Gonzalez.
Russia has maintained a naval task force of about 10 to 15 ships in the Mediterranean.
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Actor Ram Charan, who has produced his father Chiranjeevi's comeback film "Khaidi No 150", will also be bankrolling his next project.
"It was an honour to produce dad's film. A lot of people have been asking what my next production will be. It's going to be another film with dad. We will make an announcement about the cast, director and other details soon," Ram Charan told IANS.
"Khaidi No 150", which is Chiranjeevi's 150th film, also happens to be Ram Charan's maiden production venture.
In the film, directed by V.V Vinayak, the megastar plays dual roles.
The highly anticipated film, a remake of Tamil blockbuster "Kaththi", is slated for worldwide release on January 11.
Also starring Kajal Aggarwal, Tarun Arora, the film has music by Devi Sri Prasad.