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Blog - Craig Doherty
Easy "Greening" For Your Home
Now is a great time to take steps toward saving energy and reducing the environmental impact of running a home. While replacing those old leaky windows and installing ceiling fans are great ideas, there are also small things that can be done around the house to lower energy consumption and reduce your carbon footprint. Here are some simple, sustainable adjustments that can make a real difference i... read more.
"No Need For Immediate Housing Policy Shift" - Finance Minister
Finance minister Joe Oliver says that there is no need for the federal government to make any immediate shifts in housing policy. Speaking Thursday at the Bloomberg Canada Economic Summit Mr Oliver said that if a need arises the government will act as appropriate. He also paid tribute to the work of the Canada Mortgage and Housing Corporation for making homeownership more accessible for more peopl... read more.
PM & BC Premier say "No" to taxing foreign investors
Both the prime minister and premier of B.C. have both ruled out taxing foreign investors in a bid to curb rising house prices in Vancouver.
Stephen Harper said the Conservative government would not introduce the measure; he also spoke of concern at the level of household debt, including mortgages in some households. He also reiterated that he believes the housing market is stable.
Separately, Christ... read more.
Buyers Prefer Quality Over Size
Canadian homebuyers are willing to compromise on the size of their new home but some things are not negotiable. That was one of the findings in a survey of 12,000 homebuyers conducted by the Canadian Home Builders' Association. Its inaugural survey of the preferences of recent homebuyers found that 35 per cent would like a single-family detached 2-storey home but while 22 per cent would adjust the... read more.
Can't Have a Debate Without Data
I read this brief article on Canadian Real Estate Wealth:
Why Rates Won't Rise...Anytime Soon
Warren Jestin, the chief economist for ScotiaBank, said Canada's central bank likely won't raise interest rates, possibly until the end of next year.
Jestin pointed to several reasons behind his forecast, each of which he said led to the Bank of Canada's concern for the economy, which, in turn, is keeping rates low.
The first concern is the low value of oil. Jestin said Canada's economy is tradition... read more.
Craig Bytes May Newsletter
Short, sweet, to the point...Craig Bytes http://eepurl.com/bl7nqj
Latest Travel to China...
I believe that to be effective in Real Estate you need to have (what the US term as) a tilt to China.
Vancouver Deemed Low Risk for Correction - CMHC
There is so much being written on this subject. Sure my mindset (as an old bankruptcy/restructuring lawyer) is that what goes up must come down. My thoughts are these. Prior to the Global Financial Crisis in 2008 no one had any idea that a bunch of rogues on Wall Street were putting together toxic mortgage books. The conservative nature of the Canadian finance sector and the mere existence of the... read more.
Affordability Continues to Weaken in Vancouver
A new report shows that housing affordability in Vancouver has continued to become more difficult.
The Desjardins Affordability Index shows that the average selling price in the metro is almost $850,000, which is double the average price ($424,000) in the other cities included in the study, and 10 times the average income in the area.
The report includes 18 areas but does not feature Atlantic Canada... read more.
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Search the Community
Showing results for tags 'mounting'.
Found 1 result
550 Strong Mount Bolt Pattern
heliav8tor posted a topic in Dillon Precision Reloading EquipmentI'm building my reloading bench prior to the arrival of my 550B w/ Strong Mount and want to be sure I don't have a bench support where I need to put a mounting bolt. Should the Strong Mount be attached flush with the front of the benchtop? What is the bolt pattern dimensions? I plan on a stand-up bench and am 5'-6" tall. I've read that the handle should be at shoulder height. What is the distance from the bench to the handle with the Strong Mount? Thanks, Heli Av8tor

subset: commoncrawl


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Jason Chongue is an architect, interior designer and plant cultivator. Together with his partner, Nathan Smith, the couple's "geeky and relaxing hobby" blossomed into a full-time business in just eight months.
"We spent over three months accumulating 1000 unusual plants and then we hosted an event in a warehouse and sold them all," says Chongue. "It was crazy, so we did it again once a month, then once a week and then found a permanent home with our friends at Mina-no-ie in Collingwood."
"It makes so much sense to share the space together," he says of the Japanese cafe. "I can offer a coffee to someone while we're potting and help make the experience much more friendly."
As the name suggests, The Plant Society is about inclusion – it's focused on bringing together buyers, growers, artists and makers, and wants to make it easy for beginner gardeners to ask questions.
"We wanted to set up a space where people could come up and ask simple questions like "how much water should I use?"" says Chongue. "We like to start with the question, how many plants have you killed recently? We're all human and sometimes nature is just out of our control."
Plant Society stocks both common plants, such as peace lily, fiddle leaf and devil's ivy, and some harder to find varieties. It can also assist you with sourcing a specific plant if there's none in store.
"We sometimes get rarer species in stock, such as the philodendron pink princess, dinner plate ficus and these gnarly umbrella plants, which we're growing at the moment for our upcoming collaboration with Supernormal," says Chongue.
The plants come from various growers, including Chongue and Smith's garden in Abbotsford. The pair also works with "backyard growers", who may grow as few as 10 plants a year, to cultivate rarer species.
In addition to helping you source a certain plant, the nursery also offers services including plant rejuvenation and plant styling. You can have a consultation in-store, or in the convenience of your own home, office or a cafe.
"We laugh that it sounds like a dog-walking service where we'll schedule weekly, monthly or holiday check ups to maintain our clients' plants," says Chongue.
Education is an integral ingredient here: Chongue wants to preserve valuable horticulture skills, which he worries will "otherwise be lost". The Plant Society consults to schools and council groups in that vein, and is releasing its first gardening book in November.
"I also believe the more you learn about plants, the more you can appreciate them, their growth and journey," he says. "It's a shame to only enjoy them aesthetically."
Not that aesthetics are ignored, and in fact the pair collaborates with local ceramists and artists to design pots with seasonal plants in mind. An elongated vase by Melbourne artist, Jade Thorsen, for example, is designed for taller plant such as orchids. Melbourne-based ceramist Penelope Duke has created stylish vessels for propagation.
Our tip? Enter from the corner door where Peel meets Cambridge Street for the best vantage point of the nursery – a green oasis within a warehouse cafe.
"We wanted a space that was mostly indoors as apartments are going up really fast around here," Chongue says. "If people don't see the effects of gardening in a strange environment like in here, then they won't relate to it."
The Plant Society
33 Peel Street, Collingwood
0439 282 409
Tue to Fri 8am–4pm
Sat 9am–4pm
Sun 10am–4pm


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Posh and kids enjoy meal at Essex restaurant
Victoria Beckham enjoyed a family meal at Pizza Express in Loughton, Essex on Monday.
The fashionista is a regular at the branch, but after dining there with her kids and hubby David Beckham's mum Sandra earlier this week, Victoria failed to leave a tip.
Victoria came in on Monday night with 6 children and David's mum,' a supervisor at the restaurant says.
She paid £115 for dinner in cash. She didn't leave a tip, she didn't leave anything. I gave her the receipt and she gave me the money exactly, £115. But it doesn't matter.
She's a good customer and is always nice. You give her something, she always says please and thank you.'
Slim Posh is unsurprisingly not a big fan of cheesy pizza and prefers salad when she dines at the popular restaurant.
She loves having bosco salad,' the supervisor tells The Sun.
Warm garlic mushrooms, baby mozzarella, avocado, roasted tomatoes, spinach, rocket, balsamic syrup, honey and mustard dressing with warm doughsticks.
She's had other salads before, but never pizza – she wouldn't eat that.'
We're sure Posh thought that the gratuity was already included in the bill.
SEE PICTURES Victoria Beckham joins Spice Girls for Viva Forever musical launch>>
SEE PICTURES Victoria Beckham and baby Harper Seven dress up to hit the shops>>
SEE PICTURES Victoria and David Beckham: A love story in pictures>>
Anna Francis


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Here's a stat for you – Including video in a landing page can increase conversion by 80%.
This comes from EyeView – a video marketing technology company – and is just one little tidbit in a list of 27 Video Stats for 2017 compiled by Invisia.
Here's another from that list – 4x as many customers would rather watch a video about a product than read about it. This tidbit came from an article by Animoto published a couple of years ago, so it could be more…
Here is an example of just that – a video about a product that I narrated recently – so you don't have to read about it. This was a fun VO to do (a rare directed session!) and I think it turned out great!


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Pay24 Terms and Conditions
Important things you should know
IMPORTANT: You should read these Terms and Conditions ("Agreement") carefully before you use Pay24.
|Important information
|What does this mean?
|You are responsible for the security of your PIN and Device.
− represents your birth date;
− represents a recognisable part of your name; or
− is the same PIN as that used for your Credit Card.
|Your Credit Card is only ever stored on your Device encrypted by your PIN and never stored by Pay24.
|You should IMMEDIATELY tell your financial institution if you believe your account may be compromised.
− Your PIN or mobile device has been lost or stolen;
− That an electronic fund transfer has been made without your permission; or
− If the statement from your financial institution shows transfers that you did not make.
|You are authorising Pay24 to act as your Agent to access your biller or Payee Account Information
|Notifications may be delayed or prevented
|Payments may be delayed or may not be able to be processed
This Agreement takes effect on and from 16 March 2013, and replaces all Pay24 Terms and Conditions previously issued. By using the Pay24 Application (this "Application"), or selecting the applicable "I agree" button you signify your agreement with these terms and conditions and you agree to be bound by this Agreement. If you access the Application then you will be taken to have read, understood and accepted this Agreement.
This Agreement may be updated by us from time-to-time. You can review the most current version of the agreement online at any time at www.Pay24.com.au/security/terms_and_conditions. You agree that your use of the Application will always be subject to the most current version of the Terms and Conditions.
You may not accept this Agreement and you may not use the Application if you are not at least 18 years of age, or of a legal age to form a binding contract with Pay24. If you accept this Agreement, you represent that you have the capacity to be bound by them.
Depending on the Services you use when using the Application, you may be required to agree to additional terms and conditions.
Certain features of the Application may require you to provide personal information. Your use of these features and the Application is subject to the Privacy Policy, included in this Agreement.
The term "Device" or "Site" includes all devices or applications and websites that we operate that link to this Agreement, pages within each such mobile device, device, application, website or equivalent, and pages that are associated with each such mobile device, device, application or website.
In this Agreement, the use of the word "including" to refer to specific examples will be construed to mean "including, without limitation" or "including but not limited to" and will not be construed to mean that the examples given are an exclusive list of the topics covered.
Contracting Parties & Jurisdiction
The contracting party is Pay24 Pty Ltd, ABN 73 163 021 476, ("Pay24").
This Agreement shall be deemed and treated as though they were entered into, executed, and performed solely in Victoria, Australia and the laws of Australia.
How to Uninstall
To uninstall the Application, please use the application manager provided with your Device or consult your Device manual for instructions.
1 General Terms
1.1 Application Use
Pay24 grants you the right to use the Application only for your personal use on a Device that you own or control. You may not modify, copy, publish, license, sell or otherwise commercialise the Application or any information or software associated with the Application. You may not rent, lease or otherwise transfer rights to the Application. You may not use the Application in any manner that could impair any Pay24 Site in any way or interfere with any party's use or enjoyment of any Pay24 Site. You must use the Application in compliance with all applicable laws.
You must comply with applicable third party terms of agreement when using the Application (e.g. your financial service provider, the party providing the app store from which you are downloading the Application and your wireless data service agreement). Your right to use the Application will terminate immediately if you violate any provision of this Agreement.
1.2 ePayments Code
We warrant that we will comply with the Australian Securities & Investment Commission ePayments Code where that code applies.
1.3 Term and Termination
This Agreement will be in effect from the date you first access the Application or a Site. You may terminate your account with Pay24 at any time. Pay24 may terminate or revise this Agreement at any time with or without notice. Termination shall affect your liability or obligations under this Agreement. In the event you or Pay24 terminate your account, any payments Pay24 have already processed before the requested termination date will be completed.
Pay24 may change this Agreement and Pay24 fees and charges from time to time. Any changes will take effect upon the expiration of thirty (30) days after notification. If you do not agree to any change, please uninstall and discontinue using the Application. Any use of the Application after the thirty (30) day notice period constitutes your acceptance of any change.
1.4 Services Offered
Pay24 offers various functions through the Application (the "Services"), including:
a) an information management service; that allows you to access and track certain personal information on Devices from your third party accounts ("Information Management Service"); and
b) a payment service; that allows you to make payments to certain third parties ("Payment Service").
To be eligible to use the Services, you must be a resident of the Australia.
In order to use the Information Management Service or the Payment Service, you will need to provide Pay24 with your account information (such as account usernames and passwords) and any information necessary for us to access your accounts with the third party service providers you choose ("Account Information"). You authorise Pay24 to:
a) use and store Account Information submitted by you to provide the Services to you; and
b) to use the Account Information to log into the third party sites (each, a "Third Party Site") on your behalf as your agent, to access and retrieve information from the third party solely for the purpose of providing the Services to you.
You acknowledge that Pay24 is acting as your agent; and not as the agent of, or on behalf of, the third party that operates the third party site. The Services are not sponsored or endorsed by any third parties accessible through the Services.
1.5 Modifications to Sites or Services
Pay24 reserves the right at any time to:
a) Modify or discontinue, temporarily or permanently, the Sites or Services with or without notice; or
b) To change the Services, including applicable fees, in our sole discretion.
If you do not agree to the changes after receiving a notice of the change to the Services, you may stop using the Services. You agree that Pay24 shall not be liable to you, or to any third party, for any modification, suspensions, or discontinuance of the Sites or Services.
1.6 Your Use of the Services
You represent that you are a legal owner of, and that you are authorised to provide us with, all Account Information and other information necessary to facilitate your use of the Services. In order to use the Services you must provide true, accurate, current, and complete information about your accounts maintained at Third Party Sites, and you may not misrepresent any Account Information.
Your access and use of the Application or Services may be interrupted from time to time for any of several reasons, including the malfunction of equipment, periodic updating, maintenance or repair of the Service, or other actions that Pay24, in its sole discretion, may elect to take. In no event will Pay24 be liable to any party for any loss, cost, or damage that results from any period of downtime of the Application or Services.
1.7 Password and Security
If you register for Pay24 on a Device, you must select a PIN, or if you forget this password you may receive a temporary PIN (your "PIN"). You are responsible for maintaining the confidentiality of your PIN, including:
a) You must not write your PIN, or carry it or keep a record of it with any other part of your Device or on one article unless you have taken reasonable steps to disguise the code or prevent unauthorised access to the record.
b) You must not select a PIN that represents your birth date or a recognisable part of your name. If you do use an obvious code such as a name or date you may be liable for any losses that occur as a result of unauthorised use of the code before you notify us that the code has been misused or become known to someone else.
c) You must not tell or show the code to anyone else (including family and friends).
d) You must not act with extreme carelessness in failing to protect the security of the code.
e) In addition, you must comply with the security guidelines that apply to your Device.
We recommend that you:
a) Use care to prevent anyone seeing the details you enter to access Pay24;
b) Change your PIN at regular intervals;
c) Never reveal your PIN to anyone;
d) Never write any code down; and
e) That you exit from the Application at the end of each session and that you enable password-protection and other security features that may be made available on your Device.
Your Credit Card details are stored within the Application on your Device in an encrypted form using your Pay24 Application PIN. If you forget your PIN, your credit card details will be deleted from the Application and the Device.
If you believe that your PIN or Device that you use to access any Site has been lost or stolen, that someone is using your account without your permission, or that an Unauthorised Transfer has occurred, you must notify your financial institution in order to minimise your possible losses.
The guidelines contained in this section provide examples only of security measures and will not determine your liability for any losses resulting from unauthorised Pay24 payments. Liability for such payments will be determined in accordance with this Agreement and the ePayments Code.
1.8 Privacy Policy
Pay24 is committed to maintaining the confidentiality, integrity, and security of personal information collected from our users. This Privacy Policy explains the privacy practices we have adopted to protect our users' personal information collected from our Application and Sites. Pay24's privacy and security standards are intended to help guard against identity theft and provide security for your personal information.
By using an Application or Site and/or providing us your personal information, you signify your assent to this Privacy Policy. If you do not agree with any term in this Privacy Policy, please do not provide us your personal information or use the Sites.
How we use your information.
We use and disclose your personal information only as follows:
- to analyse Site usage and improve the services provided through the Sites (the "Services");
- to deliver to you any administrative notices or alerts and communications relevant to your use of the Services;
- to fulfil your requests for certain products and Services;
- for market research, project planning, troubleshooting problems;
- detecting and protecting against errors, fraud, or other criminal activity;
- to enforce our Terms and Conditions and as otherwise set forth in this Privacy Policy.
Your privacy is not for sale: Pay24 will NEVER (now or in the future) share any personally identifiable information we collect from our users with any 3rd party unless required by law.
Pay24 is designed so that you are the only one who can access your account. You can delete any or all of your accounts at any time.
We limit the information we collect.
Pay24 may collect the following categories of personal information about you through the Sites:
- Registration Information: When you register for a Service, you will be asked for basic registration information, such as an email address and password.
- Credit Card details: For certain of our Services, including our Payment Service, you will be required to provide your credit card number, expiration date and, credit card security code if you wish to use your credit card to make payments through our Payment Service.
- Third party credentials: You may also enter in certain passwords, usernames, account numbers, and other account information for third party sites and Internet services ("Third Party Sites").
- Information from Third Party Sites: In order to display information to you through a Service, we may collect, on your behalf, your account and other personal information from registered Third Party Sites.
- If you the Pay24 Application we may collect the IP address, unique identifier of the device, operating system version and app version for the purpose of providing you with our services.
- We do not ask you for, access or track any location based information from your mobile device at any time while downloading or using our Mobile apps or services.
We protect the information we collect.
We take the privacy of your personal information very seriously and have implemented the following security measures (among others):
- All your data is encrypted with a 256-bit encryption level and the data exchanged with Pay24 is encrypted with 128-bit SSL in order to create a highly protected connection between users and Pay24's servers. We work to bring you a great service, with the peace of mind that your information will be protected.
- Your banking details are only ever stored on your Device and are protected by 256-bit encryption, your PIN and a unique algorithm for each individual device.
- Your passwords are never displayed after you enter them during the setup process.
- Your registered payee account details are verified before a payment can be made.
All credential information is highly encrypted and remains in a closed system which means no one, including our own employees can decrypt the password. Pay24 has the ability to save a password or delete it, but we can never read one.
How we use the information we collect:
We may use the information you provide about yourself and about your Third Party Sites to fulfil your requests for our products, programs, and Services, to respond to your inquiries about our Services, and to offer you other products, programs, or services that we believe may be of interest to you.
In connection with the Payment Service, we will use your Credit Card information to complete transactions you request via the Payment Service.
We may use your information to pre-fill form fields on the Sites for your convenience.
We may use or share your personal information as otherwise required by law.
We may aggregate and use your information for internal analysis such as analysing user behaviour for research and marketing purposes. Pay24 may also aggregate transaction data and disclose such data only in aggregate and in a non-personally identifiable manner to third parties for marketing and promotional purposes (e.g., how many users responded to a particular offer). Aggregated information does not identify you individually.
When you visit our Sites, we may collect technical and navigational information, such as computer browser type, Internet protocol address, pages visited, and average time spent on our Site. This information may be used, for example, to alert you to software compatibility issues, or it may be analysed to improve our web design and functionality.
When you use the mobile versions of our Sites, we may collect the unique device identifier assigned to that device by phone makers, carriers, or makers of the operating system (the "Device ID"). Device IDs allow app developers to uniquely identify your device for purposes of storing application preferences and other data. We may use your Device ID for security purposes. For example, if you have activated a feature that limits access to a Service from a specific device, our systems will access the Device ID from each device you attempt to access the Service with to determine if the device is the specific authorised device. Additionally, we may use Device IDs to monitor suspicious activity. For example, if we detect that a single account on a Site is being accessed from multiple devices, as determined by tracking the Device IDs that access an account, we may contact the user to ensure that such access has been authorised by the user.
Any feedback, questions, comments, suggestions, ideas, or the like that you send to Pay24 will be treated as being non- confidential and non-proprietary, and Pay24 will be free to use such information for any purpose whatsoever including, but not limited to, developing, manufacturing, and marketing products and services incorporating the information.
If our company or our assets are acquired by another company, or in the event of a merger, consolidation, change in control, transfer of substantial assets, reorganization, or liquidation, we may transfer, sell, or assign to third parties information concerning your relationship with us, including, without limitation, personally identifiable information that you provide and other information concerning your relationship with us. Such third parties will assume responsibility for the personal information collected by us in connection with our business operations or through our Sites and such third parties will assume the rights and obligations regarding such information as described in this Privacy Policy.
We use analytics software to allow us to better understand the functionality of our Applications on your Device. This software may record information such as how often you use the application, the events that occur within the application, aggregated usage, performance data, and where the application was downloaded from.
Emails and Alters from which you may "Opt-Out":
Pay24 provides users periodic alerts, notifications or other information via email or Device notifications. Users may elect to stop receiving such messages at their discretion. If you no longer wish to receive periodic email updates from Pay24, you may update your account preferences. You may also uninstall your account as described under Important things you should know section at the start of the Terms & Conditions and stop using the Sites and Services.
1.9 Consent to Receive Electronic Communications
You consent to receive communications via email and Device notification regarding the Services.
You understand that certain categories of information ("Communications") may be provided by Pay24 to you by electronic means (i.e., by posting the information on the Application, a Site, or by email). The categories of Communications that may be provided by electronic means include:
a) This Agreement and any amendments, modifications, or supplements.
b) Records of any payment and other transactions you handle through the Sites or Services, including payment histories and transaction confirmations.
c) Disclosures or notices provided in connection with the Services, including any required by law.
d) Any customer service communications, including communications with respect to claims of error or unauthorised use of the Sites or Services.
e) Any other communication related to the Sites or Services.
If you wish to withdraw your consent to have Communications provided electronically, you must uninstall your account as described under Important things you should know section at the start of this Agreement and stop using the Sites and Services.
1.10 Disclaimer of Representations and Warranties
The Application and the service(s) accessed by it are provided "as is" and "as available". Pay24 expressly disclaims to the fullest extent permitted by law all express, implied and statutory warranties, including without limitation the warranties of merchantability, fitness for a particular purpose and non-infringement of proprietary rights, and any warranties regarding the security, reliability, timeliness and performance of the Application. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITES AND SERVICES IS AT YOUR SOLE RISK.
You download and use the Application at your own discretion and risk, and you are solely responsible for any damages to your hardware Device(s) or loss of data that results from the download or use of the Application.
Pay24 makes no representations, warranties or guarantees, express or implied, regarding the accuracy, reliability, completeness, or continued availability of the content on the sites or the services, and expressly disclaims any warranties of merchantability, non-infringement, or fitness for a particular purpose. Pay24 makes no representation, warranty, or guarantee that the content that may be available through the sites or services is free of bugs, defects, or errors, or infection from any viruses or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, surreptitiously intercept, or expropriate any system, data, or personal information.
Pay24 does not assume any responsibility for the timeliness, accuracy, non-delivery, deletion, or failure to store Account Information. Any information made available through the Services will only reflect the information that we most recently accessed, and as such, may not reflect activity that occurred after we last accessed the applicable Third Party Site or any pending transactions.
You understand that alerts provided to you through the Services may be delayed or prevented by a variety of factors. Pay24 makes commercially reasonable efforts to provide alerts in a timely manner with accurate information, but we cannot guarantee the delivery, timeliness, or accuracy of the content of any alert. Pay24 shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance on an alert.
1.11 Limitation of Liability
Except as otherwise stated in this Agreement, Pay24 is not liable to you for any harm resulting from (a) any use; or (b) misuse of the Application. Such limitation of liability: (a) includes direct, indirect, incidental, consequential, special, exemplary and punitive damages, whether such claim is based on warranty, contract, tort (including negligence) or otherwise (even if Pay24 has been advised of the possibility of such damages); (b) applies whether damages arise from use or misuse of and reliance on the Application, from inability to use the Application, or from the interruption, suspension, or termination of the Application (including any damages incurred by third parties).
Pay24 will be liable for losses incurred by the account user that:
a) are caused by the fraudulent or negligent conduct of Pay24's employees or agents or companies involved in networking arrangements or of merchants or their agents or employees; or
b) relate to any forged, faulty, expired or cancelled part of the electronic access process.
Notwithstanding any of the above provisions your liability will not exceed your liability under the ePayments Code.
1.12 Intellectual Property
Pay24 owns, or is the licensee to, all right, title and interest in and to the Application and Sites, including all rights under patent, copyright, trade secret, trademark, or unfair competition law, and any and all other proprietary rights, including all applications, renewals, extensions and restorations thereof. Other company, product, or service names mentioned in the Application may be trademarks of their respective companies.
You will not modify, adapt, translate, prepare derivative works from, decompile, reverse-engineer, disassemble or otherwise attempt to derive source code from the Application and you will not remove, obscure or alter Pay24's copyright notice, trademarks or other proprietary rights notices affixed to, contained within or accessed in conjunction with or by the Application.
Any feedback, questions, comments, suggestions, ideas, or the like that you send to Pay24 will be treated as being non-confidential and non-proprietary, and Pay24 will be free to use such information for any purpose whatsoever including developing, manufacturing, and marketing products and services incorporating the information. Any submission to a Site shall be deemed and remain the property of Pay24.
All non-Pay24 product and service marks contained on or associated with the Sites are the trademarks of their respective owners. References to any names, marks, products, or services of third parties or hypertext links to third party sites or information do not necessarily constitute or imply Pay24's endorsement, sponsorship or recommendation of the third party, information, product, or service.
1.13 Third Party Beneficiary
Your mobile OS is a third party beneficiary of this Agreement, and, upon your acceptance, such third party beneficiary will have the right (and will be deemed to have accepted the right) to enforce this agreement against you.
2 Specific Terms: Payment Service
2.1 Payee Information and Authority
By initiating a payment through the Payment Service, you authorise us to charge your nominated credit card (the "Credit Card details"). You represent and warrant that you have the right to authorise us to charge the Credit Card for payments you initiate using the Payment Service. You will indemnify and hold Pay24 harmless from any claims by any other owner of the account.
You are responsible for confirming the accuracy of the information you provide about each payment you send, including the account number of the recipient (the "Payee"), and the amount of the transaction.
2.2 Limits on Payees, Payment Amounts and Methods
You acknowledge that certain Payees may not accept payment from all types of credit cards and that we may otherwise limit the payment methods available for a particular Payee. For example, you may not be permitted to use a credit card to make a mortgage payment. Additionally, we may, at our discretion, impose limits on the number and amount of payments, in aggregate, that you can send using the Payment Service. In no event will any user be permitted to use the Payment Service to make payments to Payees of more than $10,000 per calendar month in aggregate or $1,000 in a single transaction.
We may refuse to permit payment to any Payee if we reasonably believe such refusal is necessary or advisable for legal or security reasons.
We will make payments you request through the Payment Service either electronically, by charging your designated credit card or via other form of funds transfer that we may choose to employ.
Payments to Payees outside of Australia or its territories are prohibited through the Services.
2.3 Using Pay24 Payment Service
a) Pay24 can be used to make payments via the Application to certain payees to which you provide Account Information.
b) When you tell us to make a Pay24 payment you must confirm the Account Information, the amount to be paid and the Credit Card from which the amount is to be paid.
c) You acknowledge that we are not required to effect a Pay24 payment if you do not give us all the Account Information or if any of the information you give us is inaccurate.
d) We will debit the value of each Pay24 payment and any applicable fees to the Credit Card from which the relevant Pay24 payment is made.
e) If you instruct us to make any Pay24 payment, but close the Credit Card to be debited before the Pay24 payment is processed, you will remain liable for any dishonour fees incurred in respect of that Pay24 payment.
f) You acknowledge that third party organisations (such as Payees or other financial institutions associated with your Credit Card) may impose additional restrictions on your access to and use of Pay24.
2.4 Processing of Pay24 Payments
a) A Pay24 payment instruction is irrevocable. You cannot stop a Pay24 payment once you have instructed us to make it and we cannot reverse it.
b) We will treat your Pay24 payment instruction as valid if, when you give it to us, you use the correct PIN.
c) When you send a payment via the Payment Service, the Payee is not required to accept it. You agree that you will not hold Pay24 liable for any damages resulting from a Payee's decision not to accept a payment made through the Payment Service.
d) Notwithstanding this, a delay may occur processing a Pay24 payment if:
- there is a public or bank holiday on the day after you instruct us to make the Pay24 payment;
- you tell us to make a Pay24 payment on a day which is not a banking business day or after the cut off time on a banking business day; or
e) if we are advised that your payment is not accepted by a Payee, we will advise you of this at the time of payment.
f) You must be careful to ensure you tell us the correct amount you wish to pay. If you make a Pay24 payment and later discover that:
- the amount you paid was greater than the amount you needed to pay, you must contact the Payee to obtain a refund of the excess; or
- the amount you paid was less than the amount you needed to pay, you can make another Pay24 payment for the difference between the amount you actually paid and the amount you needed to pay.
g) You acknowledge and agree that:
- we may refuse for any reason to give effect to any direction you give us in respect of a payment to be made via Pay24; and
- we are not liable to you or any other person for any loss or damage which you or that other person may suffer as a result of such refusal.
h) You acknowledge that some transactions may take longer to be credited to your account with the applicable Payee due to circumstances beyond Pay24's control, such as delays in handling and posting payments by Payees or financial institutions.
- When you send a payment to certain Payees, the payment may be treated as an authorisation to the Payee to process your payment and complete the transaction. Some Payees may delay processing your payment, in which case the payment may be held as pending until the Payee processes your payment and your payment authorisation will remain valid for up to 30 days.
- To help ensure that there is enough time for the applicable Payee to receive any payments you submit through the Payment Service, you should submit payment instructions at least 3 business days prior to the due date for the payment. If the due date falls on a weekend or holiday, you must submit the payment sufficiently in advance to include an additional day for processing. It is solely your responsibility to submit payments so they arrive by the Payee's due date.
2.5 Your Liability
You are solely liable for all transactions carried out via Pay24 by you, or by anybody carrying out a transaction with your consent, regardless of when the transaction is processed. You are solely liable for errors you make in using the Payment Service, including the following:
a) you direct Pay24 to submit a payment to a Payee from the wrong Credit Card;
a) you erroneously direct Pay24 to submit a payment to a Payee multiple times;
b) you direct Pay24 to submit the wrong amount to a Payee;
c) you direct Pay24 to submit a payment to the wrong Payee; or
d) you change your mind about making a payment to a Payee after directing Pay24 to submit the payment.
You are responsible for all fees, fines, penalties, and other liability incurred by Pay24, a Payee, you or a third party caused by or arising out of your breach of this Agreement and/or your use of the Payment Service. You agree to reimburse Pay24, a Payee or the applicable third party for any and all such liability.
Pay24 does not have control of, or liability for, the products or services that are paid for via the Payment Service.
You may liable for any loss of funds arising from unauthorised Pay24 payments if the loss occurs before you notify your financial institution that your PIN or Device has been misused, lost or stolen or used without your authorisation.
Notwithstanding any of the above provisions your liability will not exceed your liability under the ePayments Code.
2.6 Unauthorised Transactions or Errors
Unauthorised Transactions
You should IMMEDIATELY tell the financial institution associated with your Credit Card if you believe:
a) Your PIN or mobile device has been lost or stolen;
b) That an electronic fund transfer has been made without your permission; or
c) If the statement from your financial institution associated with your Credit Card shows transfers that you did not make, including those made by card, code or other means.
If you believe that the security of your Credit Card information has been compromised, you should IMMEDIATELY contact your associated financial institution to cancel the card or account.
Telephoning is the best way of keeping your possible losses down. If you need to contact us regarding any of the above matters, please contact us using the method described under section 2.8 Notification Requirements and Procedures.
Your liability for an Unauthorised Transfer may be affected by the timeliness of your notice to us.
Errors or other Issues Regarding Payments
All payment transactions you submit through the Payment Service should appear on the statement issued by the bank or other financial institution where you have your applicable Credit Card. You should confirm all transactions you submit through the Payment Service against account statements you receive from your bank or other financial institution.
We will not send you a periodic statement listing transactions that you make using the Payment Service. The transactions will appear only on the statement issued by your bank or other financial institution and in the history of transactions in the Pay24 Application.
2.7 Notification Requirements and Procedures
If you need to contact please be prepared to provide:
a) Your name and contact number;
b) Device identification code that you used to register for the Payment Service;
c) Payee Account Information;
d) Credit Card number;
e) If possible, tell us the Pay24 reference ID for the transaction;
f) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information; and
g) Tell us the date and dollar amount of the suspected error.
Please email these details to email@example.com
Last Modified: 1 January 2013
© 2013 Pay24 Pty Ltd


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Gold Price Close Today : 885.90
Gold Price Close Yesterday : 904.90
Change: -19.00 or -2.1%
Silver Price Close Today : 16.303
Silver Price Close Yesterday : 1674
Change: -43.7 cents or -2.8%
US Dollar Index Today: 76.12
US Dollar Index Yesterday: 75.34
Change: 0.78 or 1.0%
Well, I couldn't have got things wronger yesterday if I had predicted a sudden epidemic of common sense in Washington & good taste in Hollywood, except for my suspicion about the US Dollar having bottomed. That paid off big time today as the dollar surged 78 basis points. That seems to have grown out of a big fall in the Euro, because on bad news in the service sector this morning, the dollar at first fell, then recovered & never looked back.
The SILVER PRICE dropped 43.7 cents today and the GOLD PRICE dropped 19 bucks. Owch. Strong support stands around 879, stronger still at 850. If that fails, you're looking at lower prices. Gold should see it's low within the next 2 to 3 days, then resume rising.
Some indicators for gold are looking poorly, pointing to extremely over-bought conditions, but if gold can recover in the next couple of days, that won't hurt.
1630 cents is important support for silver. Below that is 1525. Remind yourself meanwhile of the market proverb, "Bull markets climb a wall of worry." Right now, silver & gold have a big lead over every other currency or investment, & they're not about to give that up any time soon.
STOCKS stumbled, then plunged on news that the services industry was stalling. This looks bad, but doesn't contradict the conclusion that stocks are presently rallying. A close below the previous low close, 11,971, would mean stocks are headed much lower, but that hasn't happened yet. Until it does, the trend in force remains in force.
Argentum et aurum comparenda sunt -- -- Gold and silver must be bought.
- Franklin Sanders, The Moneychanger
"Buy Silver and Gold Coins at the Best Prices"
To avoid confusion, please remember that the comments above have a very short time horizon. Always invest with the primary trend. Gold's primary trend is up, targeting at least $1,250.00; silver's primary is up targeting 16:1 gold/silver ratio or $78.13; stocks' primary trend is down, targeting Dow under 2,900 and worth only one ounce of gold; US$ or US$-denominated assets, primary trend down; real estate in a bubble, primary trend way down.


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Jennie Garth Talks '90210' Reunion, Old Navy and Divorce Diet
One of the most memorable TV love triangles of the 1990s is playing out again on a new Old Navy commercial. "Beverly Hills, 90210" stars Jennie Garth, Luke Perry and Jason Priestley reunited for the ad, in which Jennie has to choose between her two old flames.
The actress, who appeared in the CMT reality show "A Little Bit Country," joked, "Yeah kind of a weird... like what's that when you're attracted to your sister? [We have an] incestuous sort of relationship."
The old pals could end up on screen together again. Garth told "Extra," "Luke and I are working on getting a project going together actually, we had so much fun doing the Old Navy commercial."
Jennie's also "movie forward' in the wake of her divorce from actor Peter Facinelli. She told "Extra," I have a new life, I'm taking better care of myself, I'm not sad anymore."
She's staying in shape and eating healthy too. Garth added, "I used to hate working out, but now I love it, but I'm not crazy."


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U.S. homebuilding increased more than expected in April and activity in the prior month was stronger than initially thought, suggesting declining mortgage rates were starting to provide some support to the struggling housing market.
Housing starts rose 5.7% to a seasonally adjusted annual rate of 1.235 million units last month, driven by gains in the construction of both single- and multi-family housing units, the Commerce Department said on Thursday. Groundbreaking was also likely boosted by drier weather in the Midwest.
Data for March was revised up to show homebuilding rising to a pace of 1.168 million units, instead of falling to a rate of 1.139 million units as previously reported.
The government revised the seasonally adjusted data back to January 2014. The unadjusted series will be revised in July.
Building permits rose 0.6% to a rate of 1.296 million units in April. Building permits had declined for three straight months. Permits for single-family housing, however, fell for a fifth straight month, suggesting a moderation in homebuilding activity in the months ahead.
Economists polled by Reuters had forecast housing starts would increase to a pace of 1.205 million units in April.
The 30-year fixed mortgage rate has dropped to 4.10% from a peak of about 4.94% in November, according to data from mortgage finance agency Freddie Mac. Decreasing mortgage rates reflect a recent decision by the Federal Reserve to suspend its three-year monetary policy tightening campaign.
A survey on Wednesday showed confidence among homebuilders rose to a seven-month high in May. While lower borrowing costs are boosting demand, builders said they "continue to deal with ongoing labor and lot shortages and rising material costs that are holding back supply and harming affordability."
The housing market has been mired in a soft patch since last year. Investment in homebuilding contracted at a 2.8% annualized rate in the first quarter, the fifth straight quarterly decline.
Single-family homebuilding, which accounts for the largest share of the housing market, increased 6.2% to a rate of 854,000 units in April. Single-family homebuilding surged in the Midwest, which had suffered flooding in prior months. Single-family starts also rose in the Northeast and West, but fell in the South, where the bulk of homebuilding occurs.
Permits to build single-family homes dropped 4.2% to a rate of 782,000 units in April.
Starts for the volatile multi-family housing segment advanced 4.7% to a rate of 381,000 units last month. Permits for the construction of multi-family homes rebounded 8.9% to a pace of 514,000 units last month.


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The actions of the agency administration will determine the success of a transformation to trauma informed care. The administration must truly understand and support this approach, or it will not have a chance. Staff are keenly attuned to what is actually expected and rewarded within an agency. Mere lip service will not convince them to make this difficult change.
Support by Training
How can administrators demonstrate their support?
- First, they can arrange financing for training for all staff on trauma, how it affects people, and how they can heal through attuned relationships.
- Key members of the administration should attend at least a portion of trauma training themselves (vs. sending designees in their places).
- The agency must make provisions for the staff to attend the training and be released from their regular duties.
Administrative Expectations
Expectations are conveyed in many ways throughout an agency.
- Does the administration value control and lack of disruption more than anything else?
- Can the administration tolerate certain level of organizational chaos in making the transition, including such things as staff confusion, conflict within treatment team, resistance to change, and increased property destruction?
- Trauma informed practice encourages staff to be flexible and to offer choices to the clients, even when the result is that the client is not immediately brought under control. Can the administrators support this?
Maggie Might Upset the Board Members
In one residential agency trauma informed care champions had been working with the staff to be more flexible. They were teaching staff to ask upset clients what is wrong and to listen and to validate their feelings before discussing consequences or solutions. Maggie, a sixteen year old, had just learned that her mother had relapsed. She was screaming in the main hall on the afternoon of the Board Meeting. The CEO was wondering what Board members would think if they walked in the door and heard a girl yelling about killing herself and running away, and heard staff empathizing with how bad she was feeling. So he went out and said he knew she was upset but could staff please get her to go back to the unit or at least into one of the meeting rooms?
What messages are sent in this two minute interaction? That not upsetting the Board is more important than what is happening to Maggie; that in fact what Maggie is feeling and saying is unacceptable and shameful and should be hidden; and that the job of staff is to get Maggie to quiet down and stop bothering people. Those two minutes can undermine months of training.
What to Praise?
Administration should look for every opportunity to praise staff members for their patience and kindness. They should express their sadness about what the children are going through, and acknowledge how real and important the stressors on these children are. A response of compassion to both the child's and the staff's experience in an incident will have a very powerful effect in reinforcing the staff's flexibility with the child.
Staff members want to do a good job. They want to be seen as competent and successful. If administration makes them feel bad about the children's emotional outbursts, they will try to stop these outbursts. It administration helps them feel proud of their kindness and flexibility with the children, these behaviors will increase.
Celebrating and the External World
Fundraising is a key function of the CEO of any agency. Implementing trauma informed care can help with fund raising. The agency can become a leader in a cutting age treatment modality. Developing sophisticated treatment skills will help the agency survive current economic stressors. Emphasizing the trauma histories of the clients served helps donors understand why they need assistance. Also, using research such as the ACES study will demonstrate the economic benefit of helping people heal from trauma.
Administrative leaders can further set the tone for trauma informed care by celebrating both staff and client achievements. Their concern, kindness and compassion towards issues affecting both staff and clients model the response needed from staff. Their heartfelt joy when a client wins and award or a staff member gets their professional license reminds every one of the purpose of this difficult work.
A transformation to trauma informed care is not possible without strong administrative support.
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Cash Value Vs. Accumulated Value
Cash-value life insurance refers to a type of policy that allows you to accumulate equity. Accumulated value refers to how much equity you've built up in your cash-value insurance. Essentially, your life insurance provider divides the premiums you pay into two portions. The first portion covers the basic insurance policy costs. The second portion acts as a type of investment that accumulates cash value. Small-business owners can use cash-value insurance policies to save for retirement while maximizing their attractiveness to lenders.
Accumulated Value
Typically, your insurance provider will guarantee a minimum amount of value accumulation each year. Depending on the specifics of your policy, the accumulated value might have the potential to exceed the minimum guaranteed by the insurance provider. For example, if your policy offers participating dividends, your accumulated value increases if the insurance provider's investment accounts do well.
In contrast, term life insurance policies are cheaper because they do not include an investment portion. Your premiums go only toward paying for the insurance coverage, so you do not accumulate value. While lower premiums are an advantage to having term life insurance, there are some benefits only cash-value insurance holders enjoy.
Tax Benefits
The value you accumulate with your cash-value life insurance is tax-deferred. So long as you maintain the insurance contract, you will not pay taxes on its accumulating value, according to the book "Retirement Breakthrough." This maximizes the amount of money you get to keep because withdrawing funds during your retirement years might allow you to qualify for a lower income-tax bracket. In contrast, earnings you accrue through, for example, a certificate of deposit are taxable immediately.
Borrowing Advantages of Accumulated Value
Another key advantage of cash-value life insurance is that you can borrow against the equity you've accumulated over the years. Being able to offer the accumulated value as collateral means you are more likely to secure a low rate on a loan. Typically, the amount you can borrow is equal to the amount of equity you have accumulated, according to "The Handbook of Traditional and Alternative Investment Vehicles."
Photo Credits
- Hemera Technologies/AbleStock.com/Getty Images


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Platero Leathercraft
Platero Vintage Leather Messenger Bag for Men, Small Briefcase Laptop Shoulder Bags Daypack for Business Men
Platero's handmade leather messenger bags are carefully crafted using traditional techniques and by skilled artisans to ensure absolute perfection. These leather goods are made from goat and buffalo leather using handcrafted methods, making them completely recyclable.
Basic Informations:
Net Weight: 1.8lb.
Package Weight: 2.4lb.
Dimensions: 22*7.5*25cm/8.7*3.0*9.8inch.
Package Size: 24*9*27cm/9.4*3.5*10.6inch
Material: High Quality Full Grain Leather.
Style: Italian design traditional handcraft.
United States/Canada:
7-10 Business Days ----- FREE
United Kingdom | France | Germany | Italy | Spain | Austria | Belgium | Bulgaria | Cyprus | Czech Republic | Denmark | Estonia | Finland | Greece | Hungary | Ireland | Latvia | Lithuania | Luxembourg | Malta | Netherlands | Poland | Portugal | Romania | Slovakia | Slovenia | Sweden:
18-22 Business Days ----- FREE
10-15 Business Days ----- FREE
10-15 Business Days ----- FREE
18-22 Business Days ----- FREE
5-10 Business Days ----- $20-$40 when orders more than 2 kilograms weight shipped by DHL/UPS/Fedex
14-20 Business Days ----- $10-$20 when orders less than 2 kilograms weight shipped by standard shipment
- Orders placed during weekends and holidays will be processed the next available business day.
- Please note circumstances out of our control such as natural disasters, holiday delays, etc. may cause shipping delays and postponements. Delivery of products will be subject to the Terms of Service provided by the carrier.
- Your package may be subjected to the customs fees and import duties of the country to which you have your order shipped. Buyer is responsible for all duties and taxes incurred, buyer may have to pay tax base on your countries imported product tax rate.
- As we ship via DHL/UPS/FEDEX/EMS, the product gets handed to your local post office on arrival in your country and as such, delivery times will vary by country depending on the efficiency and expediency of your postal service.
- Please don't refuse the package because of the customs or taxes charges when the item is delivered. The carrier won't be able to return the items to us unless these fees are paid. Our only option is to abandon the package in customs and if this happens, we won't be able to offer a refund.
- Orders that are returned due to incorrect or missing address information, shipping fees are non-refundable. We are happy to re-ship the order to you, however, additional shipping charges will apply to re-ship the items to the correct address.
Platero is in this for the long haul, and wants customers feel 100% satisfied on purchase experience. So if you have any concerns about your products, feel free to reach out to us: firstname.lastname@example.com. Especially when you have requirement on return&refund, please contact us immediately.
Platero bags are fully warranted against defects in materials and workmanship for one year. If the product fails due to a manufacturing defect, we will repair it without charge, or replace it, at our discretion.
This warranty does not cover damage caused by accident, improper care, negligence, normal wear and tear, or the natural breakdown of colors and materials over extended time and use.
Our policy lasts 30 days. If 30 days have gone by since your purchase, unfortunately we can't offer you a refund or exchange.
To be eligible for a return, your item must be unused and in the same condition that you received it. It must also be in the original packaging.
To complete your return, we require a receipt or proof of purchase, such as the order number and screenshot of checkout page.
Please note that: Platero won't be responsible for the return shipping costs due to non-quality reasons, such as dislike or off-size.
We only replace items if they are defective or damaged. If you need to exchange it for the same item, send us an email at email@example.com.
Once your return is received and inspected, we will send you an email to notify you that we have received your returned item. We will also notify you of the approval or rejection of your refund.
If you are approved, then your refund will be processed, and a credit will automatically be applied to your credit card or original method of payment, within a certain amount of days.
Late Or Missing Refunds
If you haven't received a refund yet, first check your bank account again.
Then contact your credit card company, it may take some time before your refund is officially posted.
Next contact your bank. There is often some processing time before a refund is posted.
If you've done all of this and you still have not received your refund yet, please contact us at firstname.lastname@example.com.


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Gastroenterology is the care and treatment the gastrointestinal (GI) tract and liver and you may need to consult with a gastroenterologist if you experience health concerns with your:
• Esophagus (the tube that connects your mouth to your stomach)
• Stomach
• Small intestine
• Colon
• Rectum
• Pancreas
• Gallbladder
• Bile ducts
• Liver
While there are various reasons for seeing a gastroenterologist most would include noticable issues with:
• Swallowing
• Heartburn
• Food coming back up after you swallow
• Severe diarrhea
These issues could minor concerns but then they might also be signs of a more serious condition. Gastroenterologists are specialists in this area who have the tools and expertise to diagnose you correctly. Just a few of the diseases and conditions they manage include:
• Crohn's disease
• Ulcerative colitis
• Hepatitis
• Cancer of the esophagus
• Colon polyps
Colonoscopy with removal of colon polyps, biopsies, control of bleeding and other modalities via colonoscopy
For diagnosis and treatment of colon cancer screening, colon polyps, diarrheal disorders, ulcerative colitis, Crohn's disease, colitis, colonic/rectal bleeding, anemia and other.
EGD (esophago-gastro-duodenoscopy, also known as upper endoscopy) with biopsies, removal of upper GI polyps, control of bleeding and other modalities via upper endoscopy
For the diagnosis and treatment of peptic ulcer disease, heartburn, acid reflux, Celiac disease, stomach and food pipe cancer, indigestion, nausea, vomiting, upper GI bleeding, anemia and other.
EGD with placement of bravo pH capsule and 48 hour esophageal pH monitoring with interpretation
For diagnosis and optimizing management of acid reflux, heartburn and bile reflux.
Esophageal manometry, EGD with dilatation, EGD with removal of upper GI foreign bodies, EGD with placement/ removal of feeding tube (gastrostomy/EG tube), change of gastrostomy
For diagnosis and management of swallowing disorders including patients from nursing homes who are unable to swallow and need feeding tube placement.
Radio Frequency Ablation (RFA)
For Ablation of Barrett's Esophagus, Radiation Induced Proctitis, GAVE (Gastric Antral Vascular Ectasia of the stomach).
Endoscopic mucosal resection of dysplasia associated with Barrett's Esophagus, capsule endoscopy
For diagnosis of small bowel disorders including small bowel bleeding lesions, crohn's disease and other.
Colon cancer screening, colon polyps, diarrheal disorders, ulcerative colitis, crohn's disease, colitis, colonic/rectal bleeding, anemia and other.
Push enteroscopy (small bowel enteroscopy of the jejunum)
For diagnosis and treatment of small bowel disorders including bleeding causing anemia.
3333 W Deyoung St
Marion, IL 62959


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Happiness Hills Farm
8682 Battlefield Memorial Hwy.
(859) 582-7014
Our spaces are ideal for reunions, retreats or meetings, and as a base for visiting sites in Kentucky, touring Appalachian craft studios, hiking or just enjoying a vacation away from noise and stress. Our two lodging structures offer comfortable beds and welcoming shared spaces, and the 80-acre farm includes a lake where fishing is permitted for guests, a creek just below Hill House with minnows and crawdads, fields for outdoor activities. A large remodeled tobacco barn and a climate-controlled assembly hall are perfect for group activities under roof.


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PHILADELPHIA — Chipper Jones hit his second career pinch-homer and the Atlanta Braves beat the NL East-leading Phillies 10-4 on Wednesday night, stalling Philadelphia's playoff push.
The Phillies entered 11/2 games ahead of the New York Mets in the division. They will finish the regular season with a three-game series against the last-place Washington Nationals, starting Friday.
Ryan Howard hit his major league-leading 47th homer and Chase Utley also went deep for the Phillies. But Brett Myers (10-13) got roughed up for the second straight start.
Benches and bullpens emptied with two outs in the bottom of the eighth when Braves reliever Julian Tavarez and Phillies center fielder Shane Victorino exchanged words.
Victorino was leading off third base when Tavarez inexplicably decided to chase him back to the base. Victorino chuckled and said something as Tavarez returned to the mound. Tavarez turned around and came back at Victorino. Players ran onto the field and umpires intervened before any punches were thrown.
Myers allowed six runs — four earned — and 10 hits in 4 1-3 innings. He was coming off the worst start of his career in which he gave up 10 runs in four-plus innings in a 14-8 loss to Florida.
Reliever Buddy Carlyle (2-0) retired the two batters he faced to earn the win for the Braves, who got their second straight victory over Philadelphia.
Myers got knocked out in the fifth after the Phillies had tied it at 3. He walked Martin Prado with one out and Brian McCann's RBI double gave the Braves a 4-3 lead. After Casey Kotchman was intentionally walked, Chad Durbin replaced Myers.
Omar Infante hit a grounder to first baseman Howard, whose errant throw to second allowed McCann to score. Howard leads the Phillies with 18 errors. Brandon Jones' two-out RBI single made it 6-3.
Scott Eyre came in to face Chipper Jones, who drove one to the seats in left for a 9-3 lead. Jones passed Duke Snider for 42nd on the all-time list with 408 career homers.
The Phillies have to be concerned that Myers could be reverting to his first-half form after pitching like an ace for the past 21/2 months. Myers, the team's opening-day starter, was demoted to the minors on July 1 after he went 3-9 with a 5.84 ERA in his first 17 starts. He was 7-2 with a 1.80 ERA in 11 starts before facing the Marlins last Friday.
Myers got in trouble early. Josh Anderson led off with a double and Kelly Johnson followed with a single that extended his hitting streak to 22 games. Prado and Kotchman had RBI singles to make it 2-0.
Utley ripped a two-out shot to right in the third for his career-best 33rd homer. Howard led off the bottom of the fourth with a deep drive to center to tie it at 3.
Braves starter Jo-Jo Reyes allowed three runs and five hits in 3 1-3 innings. The left-hander was 0-7 with a 7.79 ERA in his previous 12 appearances.
A crowd of 41,430 at Citizens Bank Park had no reason to wave their "Fightin' Phils" rally towels. Many used the white-and-red hankies to keep warm on a crisp night. The Phillies set a season attendance record, surpassing their total of 3,250,092 in 2004.
Three "suspicious" packages found outside the first-base entrance to the ballpark forced the evacuation of some fans and stadium personnel two hours before the game, though the Phillies continued taking batting practice.
Police detonated the package, which turned out to be a prop used in a commercial shoot involving the Phillie Phanatic.
It contained hot dogs heavily wrapped in white packaging and duct tape that were used as projectiles by the Phanatic's hot dog launcher.


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chapel chair
A few weeks ago in our wanderings H and I went to Arkwright's Mill in Cromford, Derbyshire, for little lunch in the cafe and so H could have a wander around the exterior of the Mill. There is a small Charity shop for the mill, a tiny little room filled with books, bric-a-brac, a little thrifting was called for. Sitting forlorn and dusty in a corner behind some truly hideous pottery was this little chapel chair. It was love at first sight, and a bargain at £15. I have seen others for anywhere between £50 and £100 so it was definitely a keeper.
My Mother in Law helped me clean it with some wire wool and oil it down and it sits happily beside the fireplace. M isn't entirely convinced, but I think its fits perfectly into the house it just needs a little cushion on it to make it perfect. Along with the chair I bought a copy of Alice in Wonderland from 1950, its battered and torn in places, so it was the perfect to tear up and stain for my vintage book page paintings.
pages from the above book stained and painted
Which as you can see above is exactly what I did, painting some toadstools for a custom order. They turned out brilliantly especially the teal one, though for some reason I can never seem to photograph the book page paintings to do them any justice. I stained another dozen or so pages in the same tea staining sitting so might attempt to sketch out some doodles to paint on the pages. I really want to paint more toadstools though, no particular reason I just really like them, I definitely need to do some more teal ones, I love teal and mixing toadstools, teal, and tea stained book pages just seems to fit together so well.


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Caterham is targeting a major step forward for next month's British grand prix. The former Team Lotus outfit has been disappointed so far in 2012 to have failed to step regularly into the Q2-range o...
The former Team Lotus outfit has been disappointed so far in 2012 to have failed to step regularly into the Q2-range of midfield teams.
But in Canada last weekend, both Heikki Kovalainen and Vitaly Petrov outqualified a Toro Rosso, while the bottom-two teams Marussia and HRT have now been clearly left behind.
Finland's Turun Sanomat newspaper said the Tony Fernandes-led team will enjoy the first real fruits of new performance chief John Iley's contribution at the British grand prix at Silverstone early next month.
The renowned aerodynamic specialist's development package is essentially a "completely new" rear end for the car, the newspaper revealed.
Writing in the Sun newspaper, Caterham spokesman Tom Webb said Montreal was proof "we are now almost within striking distance" of Toro Rosso.
"This is obviously very good news for the whole team and gives us the sort of motivation we need to work even harder to join the midfield pack as soon as we can," he said.
The next step, he said, is Caterham's first ever championship point.
"This extraordinary season is throwing up so many surprise results that we know that once we are actually racing the likes of Toro Rosso and Williams that elusive first point might just be within grasp," Webb added.


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BERKELEY, Calif. — In Northern California, few cities have worked as long or as hard as Berkeley and Oakland to nudge medical marijuana into the mainstream. But life in the mainstream brings its own set of mainstream problems.
Even as fears of criminal crackdowns fade, the flagship pot dispensaries in each city are facing tax troubles that could cost them millions of dollars.
In both cases, the dispensaries' difficulties stem from the legal haze that still surrounds the drug in California despite being legalized for medical use here nearly 15 years ago. The cases also highlight the huge sums of money moving through the state's medical marijuana operations, which must operate as nonprofits under state law.
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Berkeley Patients Group started offering medical marijuana in 2000 and has long presented itself as a safe, law-abiding establishment focused on health. The dispensary serves thousands of patients from its current location in a one-time car dealership behind a tall metal security fence with a sliding gate.
In state tax documents, Berkeley Patients Group reported selling more than $51 million worth of medical marijuana between July 2004 and June 2007. The dispensary claimed it did not need to pay sales tax on any of that pot under state law exempting prescribed medicines.
State tax regulators disagreed. They slapped the dispensary with a bill for nearly $6.5 million in back taxes plus interest. Berkeley Patients Group appealed the audit but on Tuesday the state Board of Equalization ruled against them.
Elisabeth Jewel, a Berkeley-based lobbyist who represented the dispensary before the board, said murky regulations were to blame for the confusion.
"We do feel that medical cannabis is medicine, absolutely," Jewel said. At the same time, she said, "we're realists. We understand there is a lot of tax revenue at stake here and dispensary revenue is growing. Cities and state want that revenue."
Berkeley Patients Group and the board will now work out a plan to let the dispensary pay what it owes without being forced out of business.
Still, the board hopes the case serves as a cautionary example. In a statement on the decision, board officials said all dispensaries need seller's permits and must pay sales taxes. Anyone making sales without a permit faces scrutiny of the past eight years of business activity for back taxes, interest and penalties, the board said.
Board chairman James Horton said in the same statement that he was proposing legislation to license all marijuana in the state from the grower to the retailer. He said licensing would bring pot under the same tight controls as cigarettes and liquor in the state.
"The time is overdue for the state to provide leadership for this industry," Horton said.
About 10 miles down the freeway from Berkeley Patients Group, Steve DeAngelo operates Harborside Health Center in Oakland. Inside a nondescript industrial building along the city's waterfront, some 72,000 patients are assisted by professional "budtenders" as they choose from a vast selection of marijuana that in other circumstances would land its seller in federal prison.
But DeAngelo doesn't worry about the U.S. Drug Enforcement Administration, at least since the Justice Department under Obama decided to take a hands-off approach to dispensaries. His problem right now is the Internal Revenue Service.
Though IRS officials won't confirm it, Harborside has been subjected to a year-long audit, says DeAngelo, one of the most recognizable faces in the state's medical marijuana industry in his trademark fedora and braids. At issue, DeAngelo says, is a section of the federal tax code that prohibits those who sell controlled substances from claiming business expenses as a tax write-off.
While most businesses would tremble at the idea of such scrutiny, DeAngelo says he welcomes the attention as a chance to make his case that a regulation designed to target drug kingpins should not apply to medical marijuana purveyors operating in compliance with state law.
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"I think we still don't know exactly what the IRS is up to," DeAngelo told The Associated Press. "I hope what is going on is they're studying our industry, trying to understand it, so they can tax us appropriately."
The agency declined to comment, citing privacy and disclosure laws regarding audits.
The whole idea of a drug kingpin filing a tax return at all may seem ludicrous, but courts have found that illegal drugs are taxable, including a U.S. Supreme Court case that California regulators cite in collecting sales tax on medical marijuana.
Harborside has become a fixture in Oakland, where it pays an special business tax levied by the city on its four dispensaries on top of its regular tax bills. If the IRS finds Harborside does not deserve special consideration as a dispensary, the resulting federal tax bill would force the $22 million-a-year operation to close its doors, DeAngelo said.
In the meantime, Harborside is lobbying Congress and the IRS to clarify the section of the tax code, known as 280E, to exempt medical marijuana distributors. And the dispensary has gained some notable allies: In November, six members of Congress — including Democrats Pete Stark of nearby Fremont and Barney Frank of Massachusetts — wrote the IRS asking the agency not to apply 280E to businesses operating legally under state marijuana laws.
"We are in the process of bringing out of the shadows and into the light an industry that has been underground for seven decades, and it's not going to be an easy process," DeAngelo said. "I'm confident that this is all just part of building a new system of legal cannabis distribution."
Copyright 2011 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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It's a Pleasure Watching This Couple Dance This Old Dance
Shag dancing is a form of swing dance that originated in the 1920s before becoming very popular in the 30s and 40s. Although its popularity has waned over the decades, shag dancing is far from dead. These talented young dancers want to show their stuff in the national shag competition!
The Amazing Light Dance!
This amazing dance group will wow you with a rarely seen light dance, in which the dancers make use of light suits and darkness to appear and disappear from the stage, with beautiful choreography , this dance is a rare sight! The Amazing Light Dance!
This Nuance Light Dance is Unlike Any Dance You've Seen
You may have seen many forms of dance, but I'll bet you've never seen something like this, mainly because you'd need a healthy dose of modern technology to give birth to this creation. Enjoy this incredible dance belonging to a breed of more and more numerous dances named: "Light Dance".
100 Years of Dance: a Visual of How Dance Culture Evolved
Dance is first and foremost a form of self-expression, and so it only makes sense that popular dance culture of a specific decade will be able to tell you something about the generation that created them.
The Dancing Bookcase - Beautiful!
The Dancing Bookcase - Beautiful! dancing, art, video, stop motion, bookcase The most musical and original bookcase you've ever seen, with the help of this wonderful stop-motion video!
Dancing With Dogs is So Much Better Than Regular Dancing...
It may sound weird at first, but dog dancing is becoming a favorite pastime with many animal lovers, who consider it almost a sport, made of equal parts discipline, hard work and great communication with your dog! These 10 top contestants will wiggle, jump and roll their way into your hearts!
The Evolution of Dad Dancing - Hilarious!
It's easy to dance with enthusiasm when you're a child or teen. There's lots of energy, we want to make that girl or boy look at us, and we've got nothing better to do. But when you're a parent, a father perhaps, you give dancing a little less energy and time.
The Tron Surprise Dance - Incredible!
Visitors to the central mall in Bratislava, Slovakia were shocked to see electronic dancers pop out of the darkness and light up their night with this fantastic dance and light show, that connects hardware and software with human skill and dance to create an amazing show!
A Very Surprising Wedding Dance!
This is a dance the bride did with her father, and it's definitely worth watching. Watch all the way! A Very Surprising Wedding Dance! wedding, dance, surprise This is a dance the bride did with her father, and it's definitely worth watching!
Now THIS is How You Dance!
Next time someone tells you that today's dancers are better than how they used to dance in the past, show them this video by Parov Stelar doing his ' catgroove ', we doubt they would have much to say after that! There's no doubt about it, this cool cat has some moves! Now THIS is How You Dance!
A Great Dance: Asian Style!
These three terrific dancers are called ' Quick Crew ' and they specialize in original, interesting and new dance routines and performances. This dance routine is inspired by the Chinese, Japanese and Vietnamese cultures. A Great Dance: Asian Style!
A Bride's Special Dance - Touching!
Andrea had a very special dance with some very close family and friends at her wedding. Her father passed away so her brother recorded "butterfly kisses" and she danced with with all of them during her Father and Daughter dance. it was a truly touching moment not a dry eye in the house.
The Pronking Dance of the Antelopes - Lovely!
The sprinbok like to find a place of rain, and after it passes, they celebrate the fresh grass with... pronking, a very beautiful, very strange dance! The Pronking Dance of the Antelopes - Lovely!
The Origins of These Dance Forms Will Surprise You
From the Tango to tap-dancing, every type of dance out there has its own origin story, that tells us where these incredible synchronized moves come from. Without any further ado, here are the historical events that gave us some of the greatest forms of dance. 1.
This Dance Performance Deserves a Standing Ovation
Meet Barbara Peters, an incredible ballet dancer that recently performed at the British dancing competition Strictly Come Dancing and swept both the jury and the audience off their feet, so much so that one of the juries himself invited her to a dance.
Warning: This Dance Routine Is Not for the Faint of Heart
You wouldn't normally think of dance as an extreme sport, but extreme dancing is the only way to describe what 'V. Unbeatable' does.
This Hippo Has Some Dance Moves!
Hilarious Puppet Show With The Amazing Dancing Hippo! This Hippo Has Some Dance Moves! dancing, funny, video, show, kids, puppet Hilarious Puppet Show With The Amazing Dancing Hippo!
This Woman's Rainbow Dance Will Astound You
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This Beautiful Dance Tells Such an Enlightening Story
These men use light and dance to create an incredibly moving story. UDI, a unique Siberian dance troupe, have all the judges on their feet by the end of their performance on the TV show Britain's Got Talent . Why?
This Performance is Somewhere Between Dance and Light
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The Beautiful and Unique Chinese Firefly Dance
This show is called 'The Firefly Dance' and the dancers you're about to see certainly shine through the dark like fireflies and delight the audience with their gentle, graceful movements. Enjoy this wonderful dance.
The Dance of the Peacock Spider Is Something to Behold!
But what is most amazing, funny and amusing about this spider is its weird courting dance, which would put to shame many ballet dancers, with amazing limb control! The peacock spider (Maratus volans) from Australia, is definitely one of the most amazing spectacles in the animal world!
Martin and Marielle's Highflying Dance Routine!
Martin and Marielle's passionate performance The dance duo's blink and you'll miss it routine is their fastest yet! Martin and Marielle's Highflying Dance Routine!
The Mother and Son Dance That Surprised All!
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Culinary Notes :
Cardamom Black Pods Whole, also known as hill cardamom, Bengal cardamom, greater cardamom, Indian cardamom, Nepal cardamom, winged cardamom, or brown cardamom, comes from either of two species in the family Zingiberaceae. Its seed pods have a strong camphor-like flavor, with a smoky character derived from the method of drying. Cardamom has a strong, unique taste, with an intensely aromatic, resinous fragrance. They are triangular in cross-section and spindle-shaped, with a thin black outer shell and a small black seed inside.The pods are used as a spice, in a similar manner to the Cardamom Green Pods Whole, but with a different flavor. Unlike green cardamom, this spice is rarely used in sweet dishes. Its smoky flavor and aroma derive from traditional methods of drying over open flames. Cardamom also has many medicinal purposes and helps the body eliminate waste through the kidneys. To gain maximum flavour from the pods, it is advised to open them slightly. To do this, firmly press down on each cardamom pod with the flat side of a sturdy chef's knife.
- Black cardamom is an ingredient which is most often used in African and Indian vegetarian dishes to add a rich smokey flavour.
- Black cardamom pods can be used in soups, chowders, casseroles and marinades for a smoky flavor.
- Black cardamom is also used in garam masala, which is commonly used to flavour Indian dishes
- To make black cardamom powder, grind the whole cardamom in a mixer to a fine powder. Pass the ground powder through a sieve to remove the outer skin.
Health benefits:
Cardamon has many health benefits. It is used to soothe digestion problems and can also be used to treat respiratory problems such as asthma.
Recipe/ product links:
fragrant braised chicken by food 52
Country of origin:
India and Asia
Other names or spelling: Amomum cardamomum, Bai Dou Kou, Black Cardamom, Cardamome, Cardamome de Malabar, Cardamome Noire, Cardamome de Sri Lanka, Cardamome Verte, Cardamomo, Cardamom Essential Oil, Cardomom, Cardomomi Fructus, Ela, Elettaria cardamomum, Green Cardamom, Huile Essentielle de Cardamome, Indian Cardamom, Lesser Cardamom


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Skip to 0 minutes and 14 seconds As we mentioned previously, the family Retroviridae is broad and complex and includes many important viruses of animals. It is distributed in a total of seven genera, of which the best known is that of Lentivirus, since a notorious representative of this genus is human immunodeficiency virus. In this genus, there are other viruses that cause immunodeficiency, including feline, simian, and bovine immunodeficiency, as well as others that produce slow diseases in sheep, goats and horses. Other important viruses are those that affect pets, such as feline leukaemia virus, and others that produce tumours in birds. Many retroviruses affect fish. The majority of these infections have in common that they develop slowly, in a matter of months or years.
Skip to 1 minute and 9 seconds Of all of them, we will focus primarily
Skip to 1 minute and 11 seconds on the two that affect cats: feline immunodeficiency and feline leukaemia. Feline leukaemia is caused by feline leukaemia virus, abbreviated as FeLV. It is known as the "friendly cat" disease because it is transmitted by saliva when cats groom each other, the mother licks the kittens, or when they share food or water containers. Because of this way of transmission, it is more frequent in young cats, in which the disease is also more severe, leading them to death in some months to a few years. As it is transmitted by these activities, the virus penetrates by the oral route.
Skip to 1 minute and 52 seconds If the cat's immune response is effective, especially in older cats, they are able to fight the infection and eliminate the virus, either immediately (known as abortive infection), or after a brief transient viremia (known as regressive infection). But if the immune response is not effective, because they are young cats or they have a depressed immune system, viremia is prolonged and the virus entrenches in the bone marrow, infecting the blood cell precursors. The cat cannot eliminate the virus that remains latent. When the blood cell precursors divide, they carry the provirus, so infection destroys cells in the bone marrow, and spreads through blood circulation. The lack of immune cells allows the virus to reactivate and to be expressed.
Skip to 2 minutes and 48 seconds When this occurs, it is known as progressive infection. In almost all cats, the progressive infection involves the presence of secondary infections, and the development of clinical signs and death in a short period of time. In a small percentage of cats, there can be atypical infections, with viral presence in sites different from those mentioned. Feline immunodeficiency is known as the "unfriendly cat" disease, because it is mainly transmitted by bites during fights between cats. For this reason, it is more frequent in male adults, older than 3 years of age, which are the ones that fight the most. As with the sadly famous human immunodeficiency virus that produces AIDS, feline immunodeficiency virus destroys the CD4+ T-lymphocytes that it infects.
Skip to 3 minutes and 45 seconds This causes these cells, essential for the defence against pathogens, to decrease gradually. When there are not enough CD4+ lymphocytes, secondary infections develop, which produce a variety of clinical signs, and ultimately death. Despite the different mechanism by which FIV and FeLV produce disease, the clinical signs are very similar in infections by feline immunodeficiency virus and feline leukaemia virus, since in both cases they are partly a consequence of the immunodeficiency that is produced because the cells of the immune system are affected. Non-specific signs prevail, such as the lack of appetite, lack of energy, gingivitis, pallor of mucosa because of anaemia, weight loss and dishevelled coat, alterations in the eyes, etc. In many retroviral infections, the disease takes a long time to develop.
Skip to 4 minutes and 47 seconds In many of them, when clinical signs appear, they are due to secondary infections, favoured by a lack of response to pathogenic microorganisms. Many animals are able to live with the retroviral infection during long periods, since the virus may remain dormant.
Immunodeficiency and other diseases
Retroviruses infect vertebrates, from fish to mammals.
Many of the diseases may go unnoticed because they develop slowly. Some others may be fulminant and lead to death in a few weeks. The latter are mostly produced by oncogenic retroviruses. Of all these, we have chosen feline leukaemia and feline immunodeficiency.
Have your say
Discuss with the other learners what has called your attention in the video.
© 2017. Universidad Complutense de Madrid


text: Dr. Guerrero is an Assistant professor at the University of Southern California, School of Social Work. He completed his doctoral education at the University of Chicago, School of Social Service Administration, and also received doctoral training at Northwestern University, Kellogg School of Management. Prior to his academic appointment, Dr. Guerrero accumulated 13 years of experience as a counselor and program manager in behavioral health. He has integrated his clinical experience into his research training in management and organizations to lead a program of research focused on three areas related to building capacity to improve standards of care for vulnerable populations; (1) Latino disparities in behavioral health services, (2) Implementation of culturally responsive and evidence-based practices, and (3) Integration of behavioral health and primary care services. His funded research on implementation includes a study funded by Los Angeles County, Department of Public Health to examine the capacity of the substance abuse treatment system to implement culturally responsive practices to treat low-income ethnic minorities with co-occurring disorders. Dr. Guerrero is also the Principal Investigator in a 5-year NIDA study to examine how changes precipitated by the Affordable Care Act may impact the capacity of community-based substance abuse treatment organizations to expand service delivery (mental health and HIV prevention) and eliminate outcome disparities among African American and Latino clients. He also leads studies on organizational readiness to integrate behavioral health and primary care in various health care settings.