text:
Win A Trip To Santa Monica
'Win A Trip To Santa Monica'
For those who like to wander like us and love beautiful ocean sunsets in LA {or would like to see it!}, visit our competitions page and describe your Spell Santa Monica dream holiday in 25 words of less. For inspiration feel free to use our Santa Monica Set travel guide!
Prize 1 pack includes:
Flights and Accommodation to Santa Monica for 2 lucky winners; getting the chance to experience first-hand The Spell Santa Monica Travel Story! Includes 4 nights accomodation at Viceroy Santa Monica
Prize Total Value: AUD$5,000
* Offer subject to availability
Prize 2 runner-up pack includes:
5-7 beautiful pieces from The Spell Santa Monica capsule wardrobe
Prize Total Value: AUD$2,500
* Offer subject to availability
or book your own travel experience!
68 thoughts on "Win A Trip To Santa Monica"
Cruising down the boardwalk on a vintage bike on a balmy summer day!! Ahhh bliss .. followed by cocktails of course
I wpuld love to strut and flaubt my beautiful Spell aloubd Santa Monica.
Turquoise waters, twirling around in my new Scorpio cloth, my amazing man, stunning sunsets, this would be an ultimate dream and I would be forever grateful!
Lovin life Laying on the beach, hitting up the pier and roller coaster riding not to mention vibin that Cali lifestyle.
I'd fill my holiday with cultured adventures and early rises to start the day, exploring markets and the local surroundings to discover the beautiful country
Would love to win and love the collection
Exploring the beach bars and shops, taking a moment to breathe and inhape those Santa Monica sunsets
Would be so amazing to travel
please and thank you
Would be absolutely amazing and a first opportunity to travel ,
Shut the front door and get out of town is this for REAL gahhhhhhhh take me away
Romantic getaway with the love of my life. White sandy beach, pool side, amusement park, living the dream in my Spell.
If you are not an Aus resident you can't join the competition? Canadian and US citizens are out?
Ahhh going to visit the Santa Monica pier and seeing the candy floss pink skies! Feeling the sand in my toes on the beach and watching live performers at the third street promenade. I've never been but this gorgeous city would just tick off many a bucket list item.
The expression on the faces of my 2 little girls as we ride the FAMOUS Ferris Wheel would be absolutely priceless and would be a memory for a life time..!! X
Wow what an awesome experience we had at the Vicroy at Santa Monica Beach …They have the coolest Di playing in the evening set around there lush cabanas …Picking up a bike a cruising all the way down to Venice and finishing off with a hotdog and and ice cold beer at the pier watching the sun go down..Ahhhh take me back
I would be wonderstruck
Yay! This looks fun!
Breakfast in my plush Viceroy bed
Coffee at Flower Child, Cali tunes in my head
Guilt free thrills at Pier Ferris Wheel
Sunset and craft beer to seal the deal
To be there again with my (now) husband would be a dream! Santa Monica is where he proposed to me!
This would be a fab trip beyond words! Wandering around Santa Monica, going on the Ferris Wheel, shopping on 3rd St, the list is endless! Besides sunny QLD, sunny CA would be to die for! Poolside and beachy sunsets, yes please!
I can only dream to stay in a place as magnificent as this and that pool cabana spectacular. But the thing that I would love to do the most is visit Santa Monica pier and just walk along the boardwalk and soak up the atmosphere and people watch.
Roller skating under the Santa Monica Sun with a delicious ice cream cone in my hand would be the dream!
Exploring local markets in a beauty spell piece and spending the day enjoying my fresh produce by the beach and sipping cocktails at the bungalow
My sister and I are dying to check out that SoCal lifestyle: beaches, juices, crystals, tacos, and floaty Spell sundresses!
Soaking up the sun, walking along the pier, going to markets- I want it all!
My Santa Monica dream would to be travel there with my Sundancer kimono which travels everywhere with me, this would be a dream
My spell Santa Monica holiday would feel relaxed, free and inspired. My spell dresses, skirts and jackets would match the landscape perfectly! Easy, breezy and Dreamy… with a cocktail in hand after a bike ride! Arrhhh breathe! Xx
My Santa Monica trip would consist of sunsets, sangria and a chance to relax and explore the beautiful city.
To imagine strolling the streets of Santa Monica in spell makes any girl feel like a queen! A relaxing, fun holiday is one well needed
Not a worry on my mind, comfortable yet beautiful clothes head to toe. Get me to the sea! Cannot forget a drink in hand though!
Cruising on the boardwalk on my bike and enjoying that Cali sunshine!! Feeling that sea breeze, drinking amazing cocktails and wearing all of my amazing Spell outfits while doing it xx
Only for those from AUS!? US spellis should get a trip to AUS next!
A picnic by the beach filled with fresh food and flowers from the markets, and our course a relaxing afternoon hanging out at the divine hotel, before heading out for tapas and cocktails.
Santa Monica personifies fun, freedom and an old fashioned good time!
Many things in my life are entwined with the word freedom. My middle name, my quetzal tattoo and my Spell clothes. I love the loose flowing material, the patterns and the complimentary colours. Wearing the great colour and amazing patterns of spell will compliment the beautiful back drop of Santa Monica and send my insta into a spin!
Santa Monica will always hold a special place in my heart, haven't been since I was a kid! What a dream it would be to win! ✨
This would be a dream come true! I have always wanted to visit Cali and stay in Santa Monica for as long as I can remember.
Hubby and I to play at Santa Monica we will stay. Sunshine, rides, and the Pier to walk would LOVE to hear Zoltar talk.
Hello to my Santa Monica Dream experiencing everything with the love of my life, the father of my children, my best friend
To have a break from the reality of my bladder cancer would be like a dream come true and a tick off my bucket list.
Strolling around Santa Monica, checking out the street art, chowing down the local goods, dressed up like art in spell designs, adventure on my mind.
To gain back my self love & worth back in a beach city wearing spell xo
" All I wanna do is have some fun until the sun comes up over Santa Monica Boulevard" One of my fav artists sings it perfectly!
To ride on the Ferris wheel at night in my cute play dr as and my embroiled denim jacket and cute boots sipping on a soda and giggling with a bestie…. be like living in a movie
Santa Monica the Boho capital is a perfect match for the queens of Boho fashion "Spell".. The location & the clothes, every girls dream..
Santa Monica dreaming would be spending it with my loved one. He would cast a spell on me by treating to me to a romantic dinner out, holding hands as we walk down the mainstreamed taking in the city vibes.
Main Street * typo
My spell Santa Monica trip would consist of early morning sunsets!! Relaxing, Soaking up the sun, going to the BEACH!! Would be a dream! X :)
Being proposed to at the top of that famous Ferris wheel! I know he's already got the ring couldn't think of a better way!
The brisk sea air flows through my Jewel Soirée dress staring like a Californian dreamer into the sunset, could it have been the beauty, the endlesslness of the big Blue? Finding the single moment between chaos and serenity, watching people go by, wavering in droves, the sea birds fly by and high, eyes shift towards the waves of the ocean… I could get lost here in Santa Monica.
Sun, Sand, Sunset Blvd… living fancy free… one can dream!
On a dark desert highway, cool wind in my hair
Warm smell of colitas, rising up through the air.
Up ahead in the distance, I saw a shimmering light,
My Spell Celestial Mini Dress.
It could be heaven, definitely not hell.
Welcome to the hotel California, in your Celestial Mini Dress, such a lovely dress.
Wine and dine at the Ivy, soak up the sun by the pier and a quick trip to Venice and back, rollerblading mandatory!
I live in California not too far from Santa Monica it would be a great time to explore and invite my grand children to play with me! Very grateful for the fun and sun here and to see God's creations in its beauty!
Enjoying the beautiful weather, skating from cafe to cafe and relaxing on the beach.
Crusing down third street promenade wearing nothing but Spell and the sun on my face #californiadreaming
They call it Cali cool for a reason! What is not to love about this? Santa Monica my dream! What a fabulous combo
Ho oui moi j'aimerai tellement prendre le temps avec mon chéri de retourner et decouvrir vraiment ce bel endroit que j'ai pu effleuré à la fin de la route 66 sur le quai depuis Chicago. .merveilleux..j'aimerai y faire du yoga..me promener et jouer sur la jetée. …boire des coktails et connaître la caressé du soleil de Santander Monica sur nos peaux..et me lover dans les tenues magiques de vos créations envoûtantes…..loving.
I wanna feel like Hannah Montana did, constantly waking up and strolling down Santa Monica pier with my one and only!
Santa Monica, what a dream! California in general is amazing- it's a place full of inspiration. I daydream about venturing to NorCal on a daily! Longing to dig my feet into the golden sand and sun bathe poolside or on the beach and of course accompanied by the best wardrobe ever (Spell!). A Spell vacation would be magical! ✨
Wandering through the markets in my spell maxi, wide brim hat and organic juice, taking in the local smells, colours and sounds. Meeting locals and getting lost x
Santa Monica sunsets.. food and drinks!! Beach!! My mum, all my favourite things
All I wanna do, is have some fun.
I got a feelin' I'm not the only one.
That hotel looks legit. Pick me!
Taking a Spell walk down Santa Monica Peir. Breathing. Swimming. Floating. Summer Spell holiday perfection.
I just want to sit and people watch in the glorious sunshine-BLISS! Soul feeding.
This would totally be an awesome adventure for my son (13) who wants to visit LA, and my husband! For me in some new the Spell collection, and the sunsets on the beach, and seeing my families face beaming would be the icing on the cake!
We would live beside the ocean, leave the world behind , swim out past the breakers , watch the world rise ♥
Breezy, flowy Spell clothing all the while soaking up all that Santa Monica has to offer in lush hotel surroundings, craft cocktails and yummy food.


text:
All inclusive wedding packages
The Dalgarven House Hotel is a well known, and popular, Ayrshire countryside Wedding Venue. Nestled on the banks of the River Garnock, it is ideal for those who want to invite loved ones to share their special day in these beautiful surroundings.
The hotel is the ideal location for luxury affordable weddings, where romance is rediscovered in the perfect venue. Throughout 2019, the Dalgarven's special wedding offer caters for 50 day and 50 evening guests - get in touch with our Wedding Coordinator to find out more.
With exceptional service and unforgettable planning, your special day will truly be one that you will always remember and treasure forever.
Find out more about all our facilities and services

subset: commoncrawl


text:
Like most sectors of Chile's rapidly growing economy, the forestry industry has recovered rapidly from the financial crisis of 2009, with nearly 13 percent growth in 2010.
The President of the Chilean Wood Corporation, Fernando Raga, now says he believes exports will grow again next year and approach the record high of US$5.4 billion (CP$2.5 trillion) seen in 2008.
In an interview with Chilean business daily Estrategia, Raga predicted that exports will total nearly US$4.7 billion (CP$2.2 trillion) by the end of the year, and said 2011 should see growth of another 13 percent, to US$5.2 billion (CP$2.4 trillion).
Forestry produces Chile's second highest volume of exports after copper and accounts for 3.1 percent of Chile's gross domestic product, along with direct employment of 130,000 people. The Chilean Wood Corporation (Corma) is an industry body that represents 200 businesses, universities and professionals associated with the sector, which includes industrial tree cultivation, paper, paper pulp and timber.
Roughly 21 percent of Chile's more than 182 million acres (73 million ha), some 39 million (15.9 million) are covered in forest. While more than 85 percent of this is precious native growth forest, 98 percent of all forestry in Chile occurs on forests cultivated specifically for industrial purposes, protecting the natural trees. For the last decade reforestation levels in Chile have exceeded deforestation by nearly 25,000 acres (10,000 ha) annually.
In the interview with Estrategia, Raga said that much of the anticipated growth in the industry will come from standardization and modernization in paper pulp plants in Chile's central Maule Region, the hub of the country's forestry industry.
In the coming year, Raga says, Corma will work to promote more construction using wood within Chile. "It was confirmed for us after the earthquake that wooden buildings are more resistant to seismic activity," Raga says, also noting the smaller carbon footprint associated with wooden structures.


text:
After analyzing the last 50 million cold emails sent with QuickMail, it's fair to say we've done our research. Now that we've done our homework, we're ready to share what we've learned and to set the record straight on email subject lines. That seemingly simple one-liner has become such a complicated entity, with clashing ideas flying around on how to best use the subject line to your advantage. We're putting the rumors to rest and looking at some common subject line myths to uncover the real deal when it comes to achieving cold email success.
Myth: The right keywords will guarantee email opens.
Fact: There are tons of theories floating around on the type of keywords that lead to opens, from benefit-driven keywords like "referral" or "idea" vs. those that have a spam-like edge to them like "free" or "buy." The truth is; however, there is no magic keyword that prompts your recipients to open your email. The difference between the two types was marginal, showing that there isn't one win-all keyword that will guarantee that your emails get opened.
Myth: People are more likely to open an email with a personalized subject line.
Fact: Many people spend a lot of energy making sure they can personalize their email subject lines with their prospect's name or company name. Is it worth it? It turns out that using a person's name had little effect on whether an email was opened or not. Adding a company name was slightly beneficial, increasing the open rate by about 10%, but these are not the definitive results that many are looking at for a miraculous subject line solution. Your best bet is to test variances and see what performs well for you, whether that means adding personalization or not.
Myth: Shorter subject lines are more successful.
Fact: Add "counting characters" to your list of things to stop doing. Why? Because the length of your email subject line has little to no impact on the chances of your prospect opening it. Instead of being stuck to a hard and fast rule on length, focus more on what conveys the information you need while still sounding natural.
Myth: Subject lines should be optimized for opens.
Fact: Optimizing for opens can actually hurt your business if your email subject line is misleading. Instead, think of your subject line as a contract between you and your readers, focus on telling them what to expect when they open your email. While many people believe that a generic subject will garner more opens, the truth is, it's better to be specific and call out to the right people, while filtering out those who will find your message irrelevant. It's about the quality of opens, not quantity.
Myth: Your subject line is the most important factor in inboxing, reads, and replies.
Fact: There's so much hype around subject lines that you'd think they are the most important email component, but our research shows that overall, the subject line matters much less than we think. Instead of worrying about your opener, cold email success is built on WHO you're sending your emails to. What you say and how you say it is also important, but the biggest contributor to having a successful cold email campaign lies in your list. With the right people on your list, your emails will get the opens and replies you're looking for.


text:
Directly from the nation's capital, DC boutique, Urban Chic will showcase the hottest trends for fall right here at Early Mountain Vineyards with our Sip & Shop event.
Bring a friend or three and enjoy the very best of Virginia wines while styling and shopping the latest accessories by jewelry designer Hyla DeWitt, experiencing Rochelle Behrens' The Shirt firsthand and picking up tips and tricks from Urban Chic's very own stylist Wendy Pilch. Fall fashion 2012 — watch out!
Designers at the event include: Shoshanna, Vince, Joie, Trina Turk, Rebecca Minkoff, Tibi, Autumn Cashmere, Citizens of Humanity, Seven for All Mankind, Paige Premium Denim, Rochelle Behrens, Hyla DeWitt
Time: 5:00 – 8:00 pm at Early Mountain Vineyards (6109 Wolftown- Hood Road, Madison, VA 22727)
When: Thursday August 23, 2012
When: Thursday August 23, 2012
RSVP here http://sipshop.eventbrite.com/ by Tuesday August 21, 2012


text:
Availability: In stock
Sometimes the perfect match is right under your nose…
Doctor Benny Sorensen has had it up to here with her party-throwing playboy neighbor. She's declaring war. She doesn't care how gorgeous or charming he is, he's going down. That is until he proposes something she's not sure she can say no to…
Wealthy ad man Henry Ellison lives an uncomplicated life that revolves around work, women, and partying. In that order. Until Benny storms into his life. To placate his attractive but hotheaded neighbor, Henry offers to help her land a date with the man of her dreams. Only as Henry makes her over and coaches her on the fine art of flirting, he realizes that the idea of this woman in any other man's arms but his own is unacceptable.
But Benny's a forever kind of girl and forever might just be the one commitment he can't make.
"The Playboy's Proposal is a wonderful quick read and will have you smiling throughout the entire book." ~Teresa J., NetGalley review
"Ms. Mallory did a sensational job with this book. With relatable characters, winning chemistry and a defined world, you really get sucked into this heartwarming storyline. Loved it!" ~Katrina B. NetGalley review
"I completely fell in love with Benny and Henry's story!" ~Jennifer C., NetGalley review
"Loved it! It's cute, funny, and had me entertained all the way through." ~Bette H., NetGalley review
"Brilliant read." ~Archaeolibrarian - I Dig Good Books!
"This book is well-written, interesting, humorous, romantic, and a perfect read for summer." ~Fizza, NetGalley review
"Ashlee Mallory brings a sweet, sassy, and sexy story of enemies to lovers." ~Hilda, Goodreads review
"This is a delightful take on the classic ugly duckling turns into a swan. Fans of the genre will love this book." ~Linda Q., Goodreads review
"Fast-paced and well told. I loved following the hot tale as well as the emotional journey." ~Danielle U., Goodreads review
The Playboy's Proposal is the third story in the Sorensen Family series by Ashlee Mallory. It's one of the few 'sweet' romance series that I read, and after reading the first story last year, I knew I'd be keeping an eye out for the next ones. The author writes with such an engaging style and with e ...more
4.5 stars
The Playboy's Proposal was such a fun, entertaining and heartwarming read.
Loved Benny and Henry, they were both such charismatic characters.
They were likable, stubborn, amusing and just perfect for each other!
Loved their banter, Benny was full of sass and didn't hold back from keeping it r ...more
"The music's never-ending thrumming surrounded her."
First let me say that this series has been a delight to read!! It's been fun and entertaining since book 1 and it carried momentum thru book 3 :)
The story of Benny and Henry is ridiculously endearing. Sooooooo much heart! :) I loved that their journey was built in proper stages ... they went from ha ...more
I received a free copy of this novel from the publisher via NetGalley in return for an honest review.
The blurb:
Doctor Benny Sorensen has had it up to here with her party-throwing playboy neighbor. She's declaring war. Wealthy ad man Henry Ellison lives an uncomplicated life that revolves around work...more
This is a great romantic and easy read. We meet Dr Benny Sorenson of the Sorenson clan, the one who knew form an early age she wanted to be a Dr. She's the last woman standing in the family as the rest of them have found spouses or significant others. Benny is a pediatrician, landing a great job and ...more
You know the teen movie and book "The DUFF" ? That is what The Playboy's Proposal by Ashlee Mallory reminded me of . As we met Playboy and PR extraordinaire Henry Ellison and his next door neighbour Benny aka Bernadette Sorenson. The pair first met when Benny is trying to sleep but Henry's partying ...more
Enjoyed this. Loved how Benny put Henry in his place from the very beginning. But hated how at times Henry didn't think he was good enough for Benny and felt he was only temporary for me. That killed me to read.
Plot: fun and entertaining. I liked how Benny wasn't someone Henry could plow over with c ...more
Another great addition to the series. I really liked Benny in the first two books, and it's good to finally get to see more of her. There's a definite Pygmalion/My Fair Lady vibe to the story as Henry helps Benny to find her inner sexy woman. I liked Henry, and I thought he and Benny were cute toget ...more
This series has been redeemed! The storyline isn't really new, but Benny and Henry are refreshing characters. Benny has started her new medical practice and moved into an upscale apartment. The one thing she didn't factor into her new life is her obnoxious playboy neighbor who parties until dawn and ...more
I've had the pleasure of reading a few of this authors books and have honestly loved them all. She has a way of pulling you into her stories and entwining her characters into your psyche. I have laughed out load on so many occasions my husband thought I lost my mind.
In this book we have Benny a new ...more
Henry and Benny are fun. Some of the scenarios border on absurd but that adds to the charm of the romance. Benny at first meeting comes across uptight, stressed and high maintenance. In reality she's more down to earth. After devoting a great deal of time to her career, she just wants a chance to re ...more
This was a very fun romance to read. I had some "Lol" moments throughout, and other times the book just made me smile.
Benny & Henry are two individuals who, after getting off on the wrong foot with each other, realise the other is a great person to be around. After their rocky friendship looks as th ...more
**My thanks to NetGalley and Entangled Publishing LLC, for providing me with a free copy for an honest review**
This is a super cute read and perfect for those of you that like a clean romance as there is only a little kissing involved.
Both characters are well rounded and believable and have only sma ...more
Reviewed by Danielle U
Book provided by the publisher
The Playboy's Proposal by Ashlee Mallory is out of this world. The proposal is one that readers won't expect to happen...surprises are many in this exciting read. Talk about unexpected love and one that's standing there in your life the whole t ...more
I love the Sorensen family! This is Benny's story and I think she is my favorite of the siblings. You get to know her a little in Dominic and Cruz's books, but not much. She's smart, fun, and has a big heart, but has always been unsure of herself in relationships.
She and her neighbor Henry don't mee ...more
Of the three books in the series so far, this was my favorite. Playful, humorous, and a sexy playboy. All three have been fun to read though. I always love the stories of one party helping a second party gain the attention of the third party only to realize they aren't a match after all.
There are so ...more
The Playboy's Proposal (Sorensen Family #3) - PG13
Violence: none
Language: <30 swears
Sex: no sex, but descriptive kissing and they wake up together
I would suggest reading the other two Sorensen Family books in the series. ...more
The only thing I didn't like about this book was the fact that the proposal didn't actually happen on the pages. Only behind the scenes. If you are going to have a book called "The Playboy's Proposal"... I kind of expect to read about a romantic proposal at some point. ...more
A play on My Fair Lady
A handsome playboy remakes a klutzy doctor into an attractivewoman only to fall in love. This is a romance, not a book filled with graphic sex scenes. Enough said. ...more
That was adorable.
Reading this out of order kind of bummed me out. I hate knowing what's next before I actually read the story. Even if it's other characters' stories. ...more
Loved this one too. I already started the forth book today! Great series and will be reading more of Ashlee Mallory's books! If you haven't read any of her books you will really enjoy them. ...more
I love this book. It starts off as them trying to set Benny up with someone else but Henry falls in love with her along the way. It's so cute and definitely worth reading! ...more
I really enjoyed this story. I loved Henry, Benny and the entire Sorensen clan. I am looking forward to Daisy's story. ...more


text:
For more than 40 years, Computerworld has been the leading source of technology news and information for IT influencers worldwide. Computerworld's award-winning Web site (Computerworld.com), twice-monthly publication, focused conference series and custom research form the hub of the world's largest global IT media network.
Abend-Aid announcements position announcements applications assembly language Bank buy sell swap bytes Center COBOL Computer Science computer systems Computerworld Corp Corporation costs CW Staff data entry data processing DECSYSTEM-20 Digital disk DOS/VS Engineering environment Equal Opportunity Employer equipment experience facility firm FORTRAN hardware Honeywell industry installation interface Itel Lease line printers mainframe manufacturing Memorex memory ment mini minicomputer Model offer on-line operating systems Opportunity Employer M/F P.O. Box package peripherals Personnel Phone planning position announcements position Prime Computer processor professionals puter resume and salary RSTS/E salary history sell swap buy send resume spokesman storage Sun Sun Sun swap buy sell System/3 SYSTEMS ANALYST tape technical Tektronix terminal tion unit Univac users vendor Viewdata VSAM


text:
We decided to drive to California and spend Christmas with my family this last year. It was the first time we have been with my parents for Christmas. So as part of their tradition they do a white elephant exchange. Dad got this....and none of us wanted to take it from him. hahahahahaa I love my Dad. We stayed with my sister Becki in her beautiful house in Laguna Nigel. One warm (to us) morning we took the kids for a walk. hahahaha well it was to hot in the 60 degree weather and my poor children were getting heat stroke. Seriously they are little wooses.
So I had the bright idea to take the kids to Hollywood. I though the walk of stars would be fun. I had forgotten how nasty it is there. hahaha But the kids seemed to enjoy it.


text:
With Halloween just around the corner, here's a little something I found on HuffingtonPost.com
Sick of pairing animal ears with lingerie and calling it a costume? Be your favorite celeb instead! Follow this simple guide and build your very own costume in four accessories or less.
Which one do you like the most?


text:
It's a typical reaction: You don't think you have the slightest idea how to invest your money for your future, so you figure you'll go to an expert and get it right.
The trouble is that the investment business is full of conflicts of interest. And naive individuals, who go blindly for help, often end up getting dinged in the process. The more you need help, the more chance you will get taken.
"Financial advisers are more likely to target less sophisticated and less affluent investors with products that are higher-cost or otherwise substandard," a broad range of groups ranging from the Consumer Federation of America to the CFP Board and AARP wrote the Securities and Exchange Commission. The groups want regulators at the SEC and the Department of Labor to protect consumers, because most Americans can't tell the difference between a reliable adviser and one posing as one.
True financial advisers are required by law to do what's best for a client. They live by what's called the "fiduciary standard." But most people who get advice go to "financial consultants," or brokers, who are really paid to be salespeople, not to give the best advice.
The brokers often have incentives to sell clients expensive funds, annuities and insurance rather than the best, and cheapest, products for the person.
So Americans throw millions of dollars away rather than ending up with money for retirement or sending children to college.
"This is a problem that needs to be addressed," said Barbara Roper of the Consumer Federation of America. But since 1999, regulators have been dragging their feet, as the insurance and securities industries have fought rules that would make it tougher to prey on unsuspecting people.
Government regulators have taken the position that you, as the customer, should beware. You are supposed to be smart enough to ask a so-called adviser if he or she is a "fiduciary" and realize when you are paying excessive fees needlessly. But few Americans realize that "loads" can be unnecessary sales charges, and that mutual funds charging high fees usually perform worse than cheaper ones.
Most Americans don't realize that salesmen may steer people into complex annuities like "equity indexed annuities" because the fees are higher than cheaper, simpler products.
Nor do many individuals realize the power of small numbers. Take, for example, someone who invests $10,000 in a mutual fund with modestly low expenses, or an "expense ratio" of 0.5 percent. If the investment gains 8 percent a year, the person will have about $86,580 after 30 years. If, instead, the expense ratio is 1.5 percent, the person will only accumulate about $63,940. Check the impact of your expenses at tinyurl.com/FundFees.
Before working with a financial adviser, ask how they make their money. If they get commissions, there may be an incentive to push certain products. Also realize that if you don't have at least $250,000 to invest, you won't likely interest a top quality adviser.
Even with that amount, you have to watch whom you employ. Choosing someone who is a "certified financial planner" or a CPA who is a "personal financial specialist" will help, but you still need to discuss fees upfront and check for regulatory abuses in the past at brokercheck.finra.org/Search/Search.aspx.
If you don't have a couple of hundred thousand and are looking for basic advice, you have options.
For hand holding. A person can get a one-time piece of advice by paying roughly $150 to $250 an hour with a certified financial planner at the Garrett Planning Network (garrettplanning.com). Know in advance how much time the planner expects to spend, what the fee will be and if he or she also gets commissions on certain products. Some mutual fund firms, such as Vanguard, will provide free advice by phone, and 401(k) plans at work may offer basic advice.
The McDonald's of planning. If you don't need full service, like a waiter at a restaurant, consider one of the new Internet sites that help with basic financial needs like setting up a simple portfolio of index mutual fund investments that is appropriate for your age. Among them: Betterment, LearnVest, Wealthfront or WiseBanyan.
Pre-packaged help. If you are simply investing money in a 401(k), a low-cost "target date fund" can be all you need. These funds choose stocks and bonds for you based on your age. But note the funds' "expense ratio" can vary a lot.


text:
Attacker dead but rampage leaves suburb in shock
NEIGHBOURS of one of the women sexually assaulted this week are still living in fear, despite police confirming the death of the man responsible.
Drayton resident and close friend of the 72-year-old woman who was attacked on Monday, Wendy West said the sickening attack had sent shockwaves through the close-knit community.
She said, despite the death of the attacker, the idea that more sexual predators could be in the community was of great concern.
She had spoken to her friend after the attack.
She said she was staying with her family while she was still "very shaken and distraught".
"(She) is such a lovely lady.
"We go over and see her and swap vegies at least once a week," Mrs West said.
"It's scary to think that there are people out there and this sort of thing is going on.
"And there are more of them out there.
"It's just disgusting.
"It's something that will torment me for the rest of my life."
Mrs West said the attacks in her neighbourhood had rattled her family life.
Both of her children were feeling the effects of the incident.
"I'll be taking my daughter to school now," she said.
Reader poll
Do you feel safe home alone in Toowoomba?
This poll ended on 12 April 2013.
Current Results
This is not a scientific poll. The results reflect only the opinions of those who chose to participate.
"She normally walks to school. You just don't know.
"It could be that quick for someone to pick up your kid.
"She didn't sleep well at all last night and my younger fella wanted to sleep with me.
"He loves her. As soon as he got home he asked what happened to her.''
She said even her two dogs, one of which is a 60kg bull mastiff, were not enough to make her feel safe anymore.
"Your house is supposed to be your castle where you feel most safe, but I don't feel safe," she said.
"Even having two dogs, they can still get past them, or even bait them and wait for them to go to sleep.
"I've got pitchforks and cricket bats around the place now just in case."


text:
Terms and conditions
Acceptance to terms
Your use of the www.aviva.co.uk/broker (the "website") is governed by the following Terms and Conditions of Use (the "terms"), the Legal Notice and the Privacy Policy. YOU MUST READ AND AGREE TO THE TERMS BEFORE REGISTERING TO JOIN AND PARTICIPATE IN THE WEBSITE. If you do not wish to be bound by the terms set out below, you should not use (or continue to use) the website. Your acceptance of these terms and conditions will be demonstrated by your confirming acceptance by selecting the "Log in" or the "Accept and confirm" button as part of your on-line obligation request. Your application to use the website will not be processed if you do not confirm acceptance of these Terms and Conditions.
Who are we
The website is provided by Aviva Insurance Limited (referred to as "us" "our" or "we" in these terms) to broker firms and your employees (referred to as "you" "your" or "user" in these terms). Wherever the name "Aviva" is used within these pages, this refers to one or more of the trading companies of Aviva Plc that operate in the United Kingdom.
Amendments to the terms
We may change the terms at any time by posting changes online. Please review the terms regularly to ensure that you are aware of any changes made by us. Your continued use of the website after changes are posted means you agree to be legally bound by these terms as updated and/or amended.
Description of services
We offer you access to the website to make the most of mutual business opportunities, by providing you with a variety of services including, but not limited to, financial account reconciliation, making payment to us, managing policies online, comparing Aviva product info, print policy wordings, search for previous policy wordings, conduct quotes and order stationery and supplies (the "Services"). The Services may change from time to time as our discretion sees fit.
Limitation of liability
- The information, names, images, pictures, logos and Services provided on the website are provided "AS IS" and on an "AS AVAILABLE" basis without any representations or any kind of warranty made (whether express or implied by law) to the extent permitted by law, including the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.
- Under no circumstances will we be liable for any of the following losses or damage (whether such losses were foreseen, foreseeable, known or otherwise): (a) loss of data; (b) loss of revenue or anticipated profits; (c) loss of business; (d) loss of opportunity; (e) loss of goodwill or injury to reputation; (f) losses suffered by third parties; or (g) any indirect, consequential, special or exemplary damages arising from the use of the website regardless of the form of action. However, nothing in these terms limits or excludes our liability for death or personal injury caused by our proven negligence.
- We do not warrant that functions available on the website will be uninterrupted or error free or that any defect will be corrected, or that the website or the server(s) that makes it available are free of viruses or bugs. You acknowledge that it is your responsibility to implement sufficient procedures and virus checks (including anti-virus and other security checks) to satisfy your particular requirements for the accuracy of data input and output.
- Under no circumstances will we be liable for any loss or damage caused by your reliance upon information obtained through the website. Information and data published on our website is for INFORMATION PUPOSES ONLY and we do not hold ourselves out as giving advice, and nor should it be construed as such.
- It is the responsibility of each person using the Services available on the website to evaluate the accuracy, completeness, or usefulness of any information, opinion, advice, or other content made available through it.
Security and ID
- You accept that you are solely responsible for maintaining the confidentiality of the unique log-on identification password we allocate to you, and for using the password.
- You are responsible for using adequate security measures to prevent unauthorised access to the website and shall notify us promptly if you become aware of such access. You will indemnify us against any loss caused by access to the website by any person (except us or our employees or representatives) of user names and passwords issued to you.
- On any employee leaving your company you will immediately inform your business development manager so that their access can be revoked. You will indemnify us against any loss caused to the website by any ex-employee who has not been notified to the business development manager for their access to be removed.
Privacy policy
Our usage of your personal information is governed by our Privacy Policy, which forms part of these terms. Please read the Privacy Policy carefully - it deals with your rights and our obligations in relation to your personal data and use of "cookies", including what we can do with it, to whom we may disclose it to, together with your rights of access.
Your conduct and use of the services
- You agree that all information, data, text, images, graphics and any communication or material, including but not limited to opinions, advice or statements ("Content") posted on the website is the sole responsibility of the person or persons from whom the Content originated. You are therefore fully responsible for any Content that is uploaded, posted, transmitted, shared, stored or otherwise made available on the website by you and we shall not be made liable for your actions or that of third parties.
- Your use of or reliance on the Content on the website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that the Content available through the website meets your specific requirements. You agree that we do not warrant the content, accuracy or veracity of the Content made available on the website, either created by us or third parties.
- Your permission to access the website is limited to the facility as set out in these conditions. Other than policy documents and marketing material which are printed out during use of the website (together with such copies as are reasonably required for the purposes of the relevant insurance transaction and of your record keeping) and such copying of website screens as is inherent in normal internet browser use, you may not:
- Use or reproduce the website or any part of it;
- Modify translate or adapt the website or its output in any manner;
- Create any derivative works based on the website or its output;
- Combine the website with any other computer application.
- You may not delegate transfer or subcontract your permission to access the website to any other person.
- You warrant and represent to us on submission of your application and on a continuing basis each time that you make an adjustment to a policy (eg report a claim, mid term adjustment) using the website that you are authorised and regulated by the Financial Conduct Authority in relation to non-investment business.
- In making a policy adjustment using the website you are acting on your client's behalf and not on our behalf as our agent. You have no authority to issue any document or make any commitment on our behalf other than quotations for, mid term adjustment's, renewals and reporting claims.
- If you do not log into aviva.co.uk/broker within 90 days from the date you previously logged in on, Aviva reserves the right to revoke your access to the website. An email on day 76 will be sent to the email address that you registered to gain access to the website warning you of the proposed revocation.
Data protection
- If you use the system for policy administration on behalf of your client then we become data controller in relation to that data and we can use the data as set out in the data protection wording in the policy documents. When you submit the data on behalf of your client to us for policy administration you are acting as the data processor.
- By uploading your client's details onto the website you warrant that you have your client's permission to do so and you also warrant that you have drawn your client's attention to the data protection wording contained in the policy.
The forums
- You acknowledge the public nature of message boards and the live question and answers forum (the "Forums") and that any Content you choose to disclose and therefore make publically available through the Forums is your sole responsibility. By submitting material you are granting us a perpetual, royalty-free, non-exclusive licence to reproduce, modify, translate, make available, distribute and sub-licence the material you post in the Forums in whole or in part and in any form.
- When using the Forums you agree NOT to:
- engage in unlawful conduct.
- discuss or agree with other users, either directly or indirectly anything which amounts to anti-competitive behaviour; please see 'Sanctions' below for further details.
- upload, post, transmit, share, store or otherwise make available ("Transmit") any Content that we consider contains any defamatory, offensive, threatening, abusive, racist, vulgar, pornographic, obscene, profane, indecent, hateful or any otherwise objectionable material. You will be solely responsible for any damages from any claims that may arise from anything that you Transmit.
- Transmit any Content that is intended to annoy, harass or intimidate another person or will constitute a criminal offence or give rise to a civil liability. You will be solely responsible for any damages from any claims that may arise from anything that you Transmit.
- Advertise or offer to sell any goods or services, or promote any surveys, contests or chain letters for any commercial purpose or to promote your own forum or pyramid or referral schemes. You will be solely responsible for any damages from any claims that may arise from anything that you transmit.
- Transmit any Content that infringes any duty of confidentiality, copyright, trademark, or other proprietary right without the express permission of the owner of the copyright, trademark, or other proprietary right and you will be solely liable for any damages resulting from any infringement resulting from such action. You will be solely responsible for any damages from any claims that may arise from anything that you Transmit.
- Transmit viruses, corrupt files, or other similar software or programs that may damage the operation of another person's computer, software, or network and you will be solely responsible for any damages from any claims that may arise.
- Transmit any information which invades the personal privacy of another person or in breach of the Data Protection Act and principles set out herein. You will be solely responsible for any damages from any claims that may arise from anything that you Transmit.
- Transmit deliberate inflammatory comments. You will be solely responsible for any damages from any claims that may arise from anything that you Transmit.
- provide links to third party websites or content unless the link to the website is relevant to any discussions taking place and you accept that we reserve the right to remove third party links at any time with or without explanation.
- engage in any other conduct that restricts or inhibits any other person's use of the Forums.
- You acknowledge that we have the right, but not the obligation to monitor the use of the Forums, so we rely upon you to inform us immediately if you discover any Content that you feel is unacceptable or breaches any of the limitations set out in these terms.
- In the event that we receive a complaint regarding any Content on the Forums, we reserve the right to remove that Content or disable access to it and to respond to any complaints made by a third party in respect of that Content. You therefore acknowledge that we will not be liable to you or any other party if we remove any Content because we believe that such Content breaches the provisions of these terms or is deemed to be unacceptable by us.
- In addition, if we consider the breach to be sufficiently serious we may impose one of the Sanctions listed.
Marketing material and policy documents
- Part of the Services we offer to you is pre-populated template leaflets, press releases, letters, surveys, newsletters and emails (the "Marketing Material"), labelled under the Services and Stationery and The Loop sections of the website and Policy Summaries and Wordings ("Policy Documents"). The Marketing Material and Policy Documents have been created for or by Aviva and is therefore subject to copyright laws and Aviva can enforce the copyright contained in the Marketing Materials and Policy Documents.
- We provide you with the Marketing Material and Policy Documents on a non-exclusive, royalty-free basis to help you develop and support your business needs, or that of your employer, by providing you with material which can be used to help you retain and create new business.
- You are permitted to download, amend (marketing material only subject to point 7), print and distribute as many copies of the Marketing Material and Policy Documents as you require for your business use.
- You are permitted to download, print and order as many copies of the Policy Documents as you require for your business use.
- You will not allow a third party who has not got access to the website to download, amend, print or use the Marketing Material and Policy Documents whatsoever unless permission has been sought from us beforehand.
- Please be aware that although all reasonable care is taken with the Marketing Material and Policy Documents, WE DO NOT WARRANT THE CONTENT, ACCURACY OR VERACITY OF THE MARKETING MATERIAL AND POLICY DOCUMENTS AND IT IS YOUR RESPONSIBILITY TO ENSURE THAT IT MEETS YOUR NEEDS.
- If any document is provided with guidance or risks which the customer needs to see then it is your responsibility to ensure that you bring these to the customer's attention.
- You should not delete or amend the Marketing Material or Policy Documents unless the material expressly states that you can. If you change anything you are entirely responsible for Legal and Regulatory compliance and also with compliance of any relevant marketing codes.
You agree to indemnify us and keep us indemnified (including our successors and assigns, our directors, officers, employees and agents) from and against all liabilities, claims, losses, costs, damages and expenses including reasonable legal fees which are reasonably incurred by us (including our successors and assigns, our directors, officers, employees and agents) arising from your use of the Services, your connection to the website, your violation of the terms, or your violation of any third party rights.
We reserve the right to reveal your activity to your employer and/or deny or suspend, at our sole discretion, access to the website or any of its Services without reason or notice, but will only do so if we deem it necessary to stop or prevent an intentional breach of the terms or behaviour we consider to be inappropriate. We also reserve the right to reveal your identity, whether in our opinion, or when requested to do so by a court of competent jurisdiction or a law enforcement agency, if we have good reason to believe that you have breached one or any of the terms.
Third party websites
The website may also contain hyperlinks to websites operated by third parties. The responsibility for the operation and content of those websites shall rest solely with the organisation identified as controlling the third party website and will be governed by separate terms and conditions and privacy policy. Hyperlinks are provided for convenience and inclusion of any hyperlink does not imply an endorsement in any way of the site to which it links. We accept no responsibility or liability for the contents of any hyperlinked website and ask that you review the terms and conditions (including the privacy policy) for all third party websites before using the goods or services being offered.
Links to other Aviva websites
This site contains links to other Aviva websites, these sites will have separate terms and conditions and therefore the Aviva Broker terms and conditions will not apply to these websites. You should check the terms and conditions for these other websites before registering/logging on.
Intellectual property rights
The names, images and logos identifying us or third parties and their products and services are subject to copyright, design rights and trademarks of us and/or third parties. Nothing contained in these terms shall be construed as conferring by implication, estoppel or otherwise any licence or right to use any trademark, patent, design right or copyright by us, or any other third party, except those explicitly available as part of the Services.
Anti-competitive behaviour
You are obliged to comply with all aspects of UK and EC competition laws. It is therefore your individual responsibility to ensure that you comply at all times with these laws. If you engage in any anti competitive conduct using the Forums you will be subject the Sanctions listed above.
You are not permitted to disclose or exchange confidential business information with your competitors (this includes other brokers) or use the Forums to facilitate any such conduct, and nor should you disclose your intended future business conduct. It is also against the law to agree prices with any other users, brokers or employees of Aviva.
Whilst we will try, but are under no obligation to monitor the exchanges, it is ultimately your responsibility to ensure your own compliance in these areas and as you would expect us to have a policy of zero tolerance in these areas. Serious sanctions including fines are imposed from the regulators against those who digress from this policy.
If you suspect anti-competitive behaviour is taking place on the Forums, please inform us by email using email@example.com
Applicable law
The terms regulating this website are to be governed by and construed according to English law and the parties agree to submit any disputes to the exclusive jurisdiction of the English courts.
If any of these terms are determined to be invalid or otherwise unenforceable by reason of the application of any law, such provisions shall be severed and deleted from these terms and the remainder of these terms shall continue to have full force and effect.
Log in and save this page to your favourites.


text:
Doll 10 Blush Brush No. 11 Review
The Doll 10 Blush Brush No. 11 is a replacement makeup brush head for the Doll10 Beauty Blend Smart Rotating Makeup Brush System Review I recently reviewed. The Beauty Blend Smart Rotating Makeup Brush System comes with a fibre brush head that can be used with either cream or powder foundation where as the Doll10 Blush Brush No. 11 can be snapped onto the brush handle and used to buff cream, loose, or pressed blushes into skin.
Nifty right?
I was just explaining in my review how I adore the brush but I would need one for my blush, one for my powders, and one for my creams! It's such a handle brush to have around as I can just snap different brush hands on the handle for my different makeup needs.
Let's take a look!
Doll 10 Blush Brush No. 11 is exclusively created to use with the Blend Smart Rotating Makeup Brush System (do read my review on it if you haven't already) which is a 360 degree battery operated rotating brush handle.
The No. 11 is a short bristled medium size domed shape blush brush. This brush has dense yet very soft, fuller bristles that's ideal for use with blushes. I love that the rotating brush has interchangeable heads as obviously you're not going to use the same brush to apply foundation that you would to apply brush. Each brush pops easily on and off the rotating handle so you can pop one on and do your foundation and pop it right off to replace with the blush brush to apply your blush.
This breaks up brushes beautifully, sheers them out, and adds blush a seamless, airbrushed look. I have a very heavy hand with blush and I like pigmented blushes so you can imagine more often than not I end up giving myself a bad case of clown cheeks. Since the brush rotates 360 degrees plus it vibrates ever so slightly it ends up not only buffing but breaks down and sheers blush out which gives me a more natural flush. So if you're heavy handed this is a life saver!
Doll 10 Blush Brush No. 11 showed on the left and the original fibre foundation brush that comes with the Blend Smart Rotating Makeup Brush System shown on the left
Best part?
My struggle with Colourpop Super Shock Cheek Blush was real people. I had the hardest time finding the perfect blush brush to use with those and I think the using the No. 11 with the Blend Smart Rotating Makeup Brush System gives these blushes a PERFECT finish. The formula on the Super Shock Cheek Blush is SO pigmented it was difficult to get it sheered out just right but this brush system is ideal for application of those brushes.
I love how I can use this head with not only powders but also creams, liquids, and even gel blushes!
The Doll 10 Blush Brush No. 11 is a perfect pair up with the Blend Smart Rotating Makeup Brush System and well worth a pick up.
You can grab it now at qvc.com or doll10.com.


text:
U.S. Department of Education: Jacob K. Javits Gifted and Talented Students Education ProgramDeadline: June 22, 2017
The Jacob K. Javits Gifted and Talented Students Education Program (Gifted and Talented Program) supports evidence-based research, demonstration projects, innovative strategies, and similar activities designed to build and enhance the ability of elementary and secondary schools nationwide to identify gifted and talented students and meet their special educational needs. Applicants are expected to show how:
- The proposed project will: a) Implement evidence-based activities that are supported by promising evidence; or b) develop new information that improves the capability of schools to plan, conduct, and improve programs to identify and serve gifted and talented students, or assists schools in the identification of and provision of services to gifted and talented students (including economically disadvantaged individuals, individuals who are English learners, and children with disabilities) who may not be identified and served through traditional assessment methods.
- The proposed identification methods, as well as gifted and talented services, materials, and methods, can be adapted, if appropriate, for use by all students.
- The proposed programs can be evaluated.
- The proposed project will, where appropriate, provide for the equitable participation of students and teachers in private nonprofit elementary and secondary schools, including the participation of teachers and other personnel in professional development programs serving such students.
Funding from the Gifted and Talented Program is expected to support one or more of the following activities:
- Conducting evidence-based research, supported by promising evidence, on methods and techniques for identifying and teaching gifted and talented students and for using gifted and talented programs and methods to serve all students, particularly low-income and at-risk students
- Establishing and operating model projects and exemplary programs for serving gifted and talented students, including innovative methods and strategies (such as summer programs, mentoring programs, peer tutoring programs, service learning programs, and cooperative learning programs involving business, industry, and education) for identifying and educating students who may not be served by traditional gifted and talented programs
- Providing technical assistance and disseminating information, including assistance and information regarding how gifted and talented programs and methods, where appropriate, may be adapted for use by all students, particularly low-income and at-risk students
- Training of personnel in the identification and education of gifted and talented students and in the use, where appropriate, of gifted and talented services, materials, and methods for all students
Proposed projects are expected to evaluate the effectiveness of a model designed to increase the number of students from underrepresented groups who, through gifted and talented education programs, perform at high levels of academic achievement. To meet this requirement, applicants must include all of the following:
- Promising evidence from one or more evidence-based research and evaluation studies indicating that the proposed intervention, or project component has raised the achievement of students from one or more underrepresented groups in one or more core subject areas
- Promising evidence from one or more evidence-based research and evaluation studies that the proposed intervention has resulted in the identification of, and provision of services to, increased numbers of students from underrepresented groups who participate in gifted and talented education programs
- A description of the professional qualifications of each member of the applicant's leadership team
- A sound plan for implementing the model in multiple settings or with multiple populations
- A research and evaluation plan that employs an experimental study or quasiexperimental design (QED) study to measure the impact of the intervention on the achievement of students from underrepresented groups and on the number of these students who are identified as gifted and talented and served through gifted and talented programs
Amount: A total of $5,000,000 is available to award 9-12 grants ranging from $300,000-$500,000 and averaging $425,000. The project period is for 60 months.
Eligibility: State educational agencies; local educational agencies; the Bureau of Indian Education; institutions of higher education (IHEs); other public agencies; and other private agencies and organizations.
Link: https://www.grants.gov/web/grants/view-opportunity.html?oppId=293914


text:
**NOTE August 30, 2020: a new shipment of labels is on its way, if you don't mind waiting they'll arrive end of week!** :)
Peanut butter and jelly, ketchup and mustard, cream and scones: we're talking classic, never-go-out-of-style combinations and chocolate and orange is undoubtedly one of them! Dessert by Deb's Chocolate Orange Biscuit Cake tea is a twist on a special British dessert, namely, chocolate biscuit cake, a favourite of both HRH Queen Elizabeth II and Prince William on their birthdays!
A black tea and rooibos fusion, this fudgy, chocolatey blend is bursting with bright, zesty orange, deep and delicious chunks of dark chocolate and cacao nibs, and the "biscuit": crunchy Canadian maple flakes that melt into the tea for that hit of warmth and sweetness.
Certified organic ingredients: Fair Trade Rooibos, Black Tea, Vanilla, Orange Peel, Oranges, Giddy YoYo Cacao Nibs, Giddy YoYo Dark Chocolate, Canadian Maple
Handcrafted in Toronto, Canada
Steeping instructions: 2 tea spoons at 212F for 4-6 mins


text:
Pension Expense
Pension expense is the amount reported in the income statement related to a company's pension plan.
Pension expense under defined contribution plan
Under the defined contribution plan, the periodic contribution which the company is required to pay is expensed out on accrual basis.
CPE Ltd. has a defined contribution plan which required the company to contribute $20 million to the fund each year. In the financial year 2011, the company pay $25 million while in financial year 2012, it paid $15 million.
The company will recognize a pension expense of $20 million each in 2011 and 2012. The first year payment will result in $5 prepayment of contribution which will expire in 2012.
Pension expense under defined benefit plan
The pension expense under the defined benefit plan is made up as follows:
- Service cost
- Interest cost
- Expected return on plan assets
- Amortization of prior service cost
- Amortization of actuarial gains and losses
Amortization of actuarial gain and a positive expected return on plan assets result in a decrease in pension expense.
Service cost represents the portion of projected benefit obligation (PBO) earned by the employees in the current year.
Interest cost represents the increase in projected benefit obligation (PBO) on account of unwinding of discount. It equals the product of opening defined benefit obligation (PBO) multiplied by the interest rate.
Expected return on plan assets is the return which is expected to be earned by the plan assets over the next period.
Amortization of prior service cost represents the additional service cost resulting from changes to plan structure, which is expensed in the current period.
Amortization of actuarial gains and losses represent the amount of actuarial gains or loss that are written off in the current period.
by Obaidullah Jan, ACA, CFA and last modified on
Studying for CFA® Program? Access notes and question bank for CFA® Level 1 authored by me at AlphaBetaPrep.com


text:
Part 6: Paradiddle Patterns
For the final lesson in this series we're going to have some fun with paradiddles, double paradiddles, and paradiddle variations over 16th notes, 16th-note triplets, and 32nd notes. Remember to play to a metronome or click track. Also remember to start off slow and master each exercise before increasing the speed. To take these beats a step further, turn them into two-, three-, or four-bar repeating phrases. And instead of straight 8th notes on the hi-hat, you can also try using quarter notes, 16ths, or combinations of all three.
The bass drum patterns can be played as written, or you can experiment with them by switching the lead foot or by using double strokes. Experiment and have fun!
Todd "Vinny" Vinciguerra is the author of several drum instructional books. His latest, Double Basics: Complete Double Bass Drum Book, is available through Mel Bay. For more info, visit anotherstateofmind.com.


text:
- Article
- Backgrounder
- (-) Blog Post
- Book
- Conference Call
- Contingency Planning Memorandum
- Council Special Report
- Event
- Expert Brief
- Expert Roundup
- Explainer Video
- In Brief
- Infoguide
- Interactive
- Interview
- News Releases
- Podcast
- Policy Innovation Memorandum
- Quiz
- Report
- Task Force Report
- Teaching Notes
- Testimony
- Timeline
October 29, 2020Diplomacy and International Institutions
The two draft resolutions and a newly proposed "Programme of Action" raise questions about the future of cybersecurity negotiations at the United Nations.
October 24, 2020Women and Women's Rights
Decades on, it has never been more important to fulfill the Beijing Declaration and Platform for Action and invest in the wellbeing and safety of adolescent girls.
October 21, 2020Human Trafficking
This blog post was authored by Olivia Enos, senior policy analyst in the Asian Studies Center at The Heritage Foundation, and Mark P. Lagon, chief policy officer of Friends of the Global Fight Agains…
October 19, 2020Cybersecurity
Private sector firms have the ability to leverage their influence on global internet architecture to improve internet security.
October 16, 2020Election 2020
Each Friday, I look at what the presidential contenders are saying about foreign policy. This week: how Donald Trump and Joe Biden say the United States should deal with Afghanistan
October 9, 2020U.S. Congress
Clinical trials slowed by ransomware attack on software company; Big tech condemned by house lawmakers; QAnon groups and pages to be banned by Facebook; Department of Justice confiscates domains used…
October 9, 2020Election 2020
Each Friday, I look at what the presidential contenders are saying about foreign policy. This week: Kamala Harris and Mike Pence discussed U.S. policy toward China and U.S. global leadership at Wedne…
October 9, 2020India
Marshall M. Bouton is president emeritus of the Chicago Council on Global Affairs. Former Indian Foreign Minister Jaswant Singh, whose service to his country spanned seven decades, passed away in …
October 8, 2020Coronavirus
Senegal is a major center of West African Islam, and its imams, mullah, and brotherhoods are influential across the Sahel. The holy city of Touba, 120 miles east of the Senegalese capital of Dakar, is the site of a major annual pilgrimage called the Magal
October 8, 2020China
In the past six months, Chinese foreign policy appears to have taken a dramatic and aggressive turn. One way to understand this assertive foreign policy is through the lens of China's internal politi…


text:
Award winning products
Natural ingredients and sweet relief Honey Pot is proud to offer great tasting and easy ways to consume cannabis. Our goal is to provide remedies from natural resources to help patients get through their days in comfort and wellness. Honey Pot offers cannabis paired with other natural ingredients to maximize the benefits while eliciting a sweet and delectable flavor.
We offer you products we use in our own home, that you can trust in yours.
Cannabis Infused Edibles
For thousands of years, honey has been used medicinally for its anti-bacterial properties and high levels of antioxidants. Sourced from local California apiaries (honey farms), the bees collect their nectar from wildflowers. Cold pressed coconut oil offers medium chain fats to aid in absorption of the high-quality cannabis oil. The three come together to create a trifecta of powerful and delicious cannabis honey.
Cannabis Infused Vaporizers
Aromatherapy or Essential Oil therapy is a practice that promotes better emotional health and physical well-being. The use of essential oils can be traced back centuries. Combining the powers of organic essential oils and the highest quality cannabis oil creates beautiful aroma and flavor profiles with amazing results.
Cannabis Infused Topicals
Honey Pot's topicals are made with natural ingredients to make your bare skin feel great while providing relieving cannabis. Our Cannabis Cup winning Body Lotion, a cannabis lotion containing lavender, wildflower honey, aloe vera, and a host of other beneficial essential oils. Honey Pot's mission is to provide widespread relief and are committed to creating products that meet the needs of everyone in the cannabis community.


text:
Jul 29, 2019
Bevin Ginder is a mobilizer for missions, especially those who would advocate for unreached people groups to be engaged with church planting and discipleship. Bevin and I met in the mid-90's in Colorado Springs where he was serving as a Frontier Missions director in YWAM for a season. Now Bevin and his wife Judy live in Battambang, Cambodia where they are equipping missionaries to engage the unreached. He has developed a new online video course to equip and encourage an important new kind of team player in Christ's Great Commission, Missions Advocates. Bevin encourages you to reach out to him to learn more about the Mobilizer Course he has developed. You can reach Bevin at email@example.com


text:
Sponsored By
Park Official: Visitors Are Destroying Ancient Dinosaur FossilsTourists have reportedly been picking up the fossilized footprints of dinosaurs and throwing them into a park lake.
Top Ski Resorts In UtahWinter is almost here. That means it is time to get out those skies and winter gear, because it is time to start planning those winter getaways to one of Utah's ski resorts.
Travel Guide to Utah's Arches National ParkTravel guide to Utah's Arches National Park, featuring the world's largest collection of natural stone arches.
5 Must-Watch College Football Games This WeekendWith teams vying for four playoff spots and bowl game placements, this weekend can either cause a big shakeup or solidify seeds/rankings to both the bowl game and playoff picture. While there are many top matchups this weekend to watch, let's look at the 5 must-watch games that have the most at stake for the teams playing in them.
College Football Spotlight: Big Games In November Separate Contenders From PretendersOur expectations before the start of the season can quickly be tarnished in a flash. But no matter what happens, November will always find a way to set the stage for a championship race like no other month can.
5 Must Watch College Football Games This WeekendThe first college football playoff rankings come out Tuesday so the Top 25 teams around the country are definitely looking to defend their ranking or move up by notching a big win. With that being said, let's take a look at the five most important and must watch college football games this weekend.
Federal Appeals Court Rules For First Time That States Must Allow Gay MarriagesA federal appeals court on Wednesday ruled for the first time that states must allow gay couples to marry, finding the Constitution protects same-sex relationships and putting a remarkable legal winning streak across the country one step closer to the U.S. Supreme Court.
Cruz: Obama 'Is The Most Lawless President' In The Nation's HistoryTea Party favorite condemned the Affordable Care Act and the Obama administration before a crowd of about 1,000 Utah Republicans.
On Two Wheels: America's Best Bike DestinationsThere's not much better than seeing America on a bicycle. Here are just five of the best bike destinations in America.
Utah Woman Arrested After 7 Dead Babies Found Police accused a Utah woman of killing seven babies she gave birth to over 10 years after they found the tiny bodies stuffed in cardboard boxes in the garage of her former home.
Utah To Pay $300K To Defend Gay Marriage BanUtah will spend $300,000 to bring in a team of three outside attorneys to help defend the state's same-sex marriage ban before a federal appeals court.
Supreme Court Temporarily Blocks Utah Same-Sex MarriagesSupreme Court puts gay marriage on hold in Utah.
Utah Asks Supreme Court to Block Same-Sex Unions Utah is asking the Supreme Court to stop same-sex marriages in the state, at least temporarily.
Most Relaxing Resorts In The United StatesEmbark upon a relaxing trip away from crowds and heavy traffic and into calmer, more peaceful destinations.
Grand Canyon, Statue Of Liberty Among National Parks To Reopen With State FundsStates are using their own money to reopen some national parks, including the Grand Canyon, Statue of Liberty, Zion National Park and Mount Rushmore


text:
Ibanez SIX70FDBG-NT
Please call or email for pricing
The cutting edge of Ibanez design, the S series continues to be a marvel of form and function. Its signature body shape - sculpted, lightweight, and mahogany - is stronger and more musically responsive than guitars weighing twice as much. The S series is still a rock 'n' roll version of a quick, graceful, and potentially lethal weapon.
- Neck type: Nitro Wizard-7 3pc Maple/Bubinga neck
- Body: Bubinga top/Mahogany body w/Abalone binding
- Fretboard: Bound Ebony fretboard
- Fret: Jumbo frets
- Bridge: Gibraltar Standard II bridge
- Neck pickup: DiMarzio Air Norton (H) neck pickup (Passive/Alnico)
- Middle pickup: DiMarzio True Velvet (S) mid pickup (Passive/Alnico)
- Bridge pickup: DiMarzio The Tone Zone (H) bridge pickup (Passive/Alnico)
- Hardware color: Gold


text:
You've seen his name, now you can hear his voice. What Marc Turi describes is exactly what CTH had independently documented in 2013 and 2014 regarding the Libyan covert arms program coordinated by Hillary Clinton's State Department and the CIA Director Leon Panetta in 2011.
You might not know the name Marc Turi but if you are familiar with the Benghazi Brief, or more specifically with Operation Zero Footprint, you'll likely know the issues.
Marc Turi was the guy who constructed the covert weapons shipments into Libya to overthrown Mouamar Gaddaffi (2011) and send weapons to the Libyan Transitional National Government supported by Secretary of State Hillary Clinton.
During the original phase of the Libyan uprising, early February 2011, the first defector from the official Gaddaffi regime was a foreign justice minister named Mustafa Abdel Jalil.
Jalil became the international face of the anti-Gaddaffi elements within the Libyan government. However, Jalil was an extremist Brotherhood member and somewhat of a patsy. When we were outlining his ideology, and the extremists who were behind him, almost no-one was paying attention.
Following Jalil's moves was ultimately what enabled CTH to construct the Benghazi Brief so accurately – because during the shell game Mustafa Jalil was the pea.
Justice Minister Mustafa Jalil (pictured above) formed a loose coalition of extremist forces within Eastern Libya, but behind Jalil were the Muslim Brotherhood members who were released from the Cairo prisons by Egyptian Muslim Brotherhood head Mohammed Morsi.
When Morsi opened the prisons and released the Brotherhood, the key person released was Mohammed al-Zawahiri. Mohammed Zawahiri is the brother of al-Qaeda's #2 guy Ayman al-Zawahiri who was/is running al-Qaeda from Afghanistan.
[left Mohammed al-Zawahiri (Egypt) – right Ayman al Zawahiri (Afghanistan)]
You might remember when the U.S. Cairo Egyptian embassy protest began on the morning of September 11th 2012 (before the Benghazi attack), it was Mohammed al-Zawahiri who was talking to CNN's Nick Robertson about the release of the Blind Sheik (pictured below).
After his release from jail, Mohammed al-Zawahiri crossed the border into Eastern Libya (Benghazi) and coordinated with Mustafa Abdel Jalil. This was the origin of the intentional or unintentional FUBAR.
Jalil, the patsy, was presenting a sympathetic moderate appearance toward Western media and Western politicians like France's Sarkozy and the U.S. Hillary Clinton.
Zawahiri/Jalil's goal, openly stated after Libyan victory, was to get the U.S. and/or NATO allies to be the air force of al-Qaeda against Gaddaffi.
Not only did Sarkozy, Clinton and eventually Obama, fulfill the request, they ended up shipping weapons (via CIA/Panetta) directly to Eastern Libya, to Zawahiri and Jalil.
The Brotherhood, via Mohammed Zawahiri, then almost immediately directed many of those CIA weapons from Libya to his brother in Afghanistan and to their ideological brothers in Syria.
Within weeks, U.S. aircraft operating in Afghanistan began seeing surface to air missiles used against them for the first time in a decade. Ultimately, this is the biggest issue with the weapons shipments and the reason no one in the administration wants to discuss the program.
Under the code name "Zero Footprint" Marc Turi originally drew up the plan to coordinate the flow of weapons from the U.S. through the intermediary of Qatar into Libya. Those U.S. weapons ended up in Libya and Syria being used by the enemies of the U.S., specifically al-Qaeda.
In February of 2012 Asst. Secretary of State Andrew Shapiro admitted the State Department had been attempting to relocate and buy-back those weapons since August of 2011. However, on September 11th 2012, while those efforts were still ongoing, the attacks in Benghazi against the U.S. State Department Ambassador Chris Stevens took place, and four Americans were killed.
In 2014 the DOJ filed charges against Marc Turi essentially for non registered weapons shipments. Turi's defense was that the weapons were unregistered because the State Department and the CIA needed covert cover. Elements within the CIA confirmed the basic outline for Turi's assertion.
In 2015 Turi provided Fox News with documents and email exchanges he had with high-level members of Congress as well as military, and State Department employees to back up his claim that the Obama administration authorized in 2011, at the height of the Arab Spring, a covert weapons program that spun out of control.
Marc Turi's legal defense team said if the DOJ was going to prosecute him for the arms shipments, his defense would necessarily reveal how Secretary of State Hillary Clinton was actually the driver of the entire program.
The DOJ tried to claim "national security" issues and keep the aspects relating to the U.S. State Department and Secretary Clinton under wraps during the pre-trial motions. However, a federal judge ruled a few days ago the defense was allowed to use the documented evidence Turi possessed to defend himself.
The case was slated to begin trial on November 8th, the same day as the U.S. presidential election.
As a direct consequence of that ruling, the DOJ announced last week they were dropping all the charges. The motive is transparently to protect Hillary Clinton:
[…] Federal prosecutors faced a Wednesday deadline to turn over discovery documents to the legal team of American Marc Turi, who had been charged with selling weapons to Libyan rebels. Late Tuesday, an announcement came that the government was dropping the case, which was set to go to trial on Nov. 8 – the day American voters choose between Clinton and GOP nominee Donald Trump. The move may avert a release of potentially explosive documents.
"I am glad this horrific five-year ordeal is over and I am pleased to be able to move on with my life," Turi told Fox News in a statement. "The American public has the right to know that an injustice was committed against an innocent American." (read more)
The Benghazi Brief
Semi Related: Earlier this year – the Trial of Abu Khatala […] U.S. District Judge Christopher "Casey" Cooper of Washington gave notice in a scheduling order issued Thursday for a major terrorism trial in the nation's capital, roughly five years after the attacks that killed U.S. Ambassador Christopher Stevens and three others on Sept. 11, 2012.
[ The trial is scheduled for November of 2017 ] While the trial date might slip if unexpected disputes arise, both sides agreed to the calendar, which anticipates several stages of pretrial legal battling – including over how much classified evidence each side seeks to disclose and use.
The trial will be complicated by the backdrop of a chaotic civil war in Libya, which has fed a refugee crisis in Europe and been exploited by militants allied with the Islamic State. Prosecutors have already turned over about 20,000 pages of material to Abu Khattala's defense; most of it is classified and much of the government's case remains secret, including what witnesses it might seek to bring from Libya. (more)


text:
About this time last year, Surfside residents were displeased to find a significant amount of new sand from a construction site dumped on their beach. Since then, the sand has been a hot topic and has yet to be removed.
Last March, Fort Capital, a real estate investment management company based in Miami, dug up sand from underneath the construction site on 9011 Collins Ave., the site of a hotel and condominium called the Surf Club.
Florida law says excavated sand must be placed near the site from which it came. As such, the developer spread the sand over Surfside's public beach.
The state's law also says the sand must be compatible with the existing sand, but residents believed the sand was completely different, even calling it dirt. They voiced their concerns about the toxicity of the sand during various town hall meetings and claim that they find debris like metal nails and concrete boulders on a daily basis, even after numerous sand sifting activities.
Town officials convened a committee last June to address the residents' concerns. After four months of meetings, the committee recommended to the town commission that the sand be removed and placed in the dunes. The commission approved the measure unanimously in September.
By the beginning of this year, no action has been taken to remove the sand. Surfside officials and the town manager say the conditions to remove the sand have changed, showing reports of no health hazards and a discrepancy in estimated costs to relocate it.
In February, the town held a special meeting devoted to discussing the sand. They unanimously approved an ordinance to urge the Florida legislature and state Department of Environmental Protection to establish chemical testing standards prior to issuing a permit that authorizes the transfer and placement of excavated sand onto a public beach.
Then they addressed amendments for the town's standards on sand placed on their beach for future purposes, preventing a repeat of this issue.
"The purpose of this ordinance is to protect the health of the residence of Surfside and visitors by propagating regulations that are more comprehensive than the requirements of DEP for sand placed on the beach as a result of coastal construction," said Jane Graham, the assistant town attorney.
Currently in Florida, there are few regulations on the composition of sand placed on beaches and no chemical testing requirements. The town decided to amended their own standards to create stricter rules for their beach.
With the exception of certain wording and a disagreement on what color the sand should be, residents in Surfside were pleased.
"Let me commend you on being probably the first community in the state to actually have something in this nature," said David Raymond, a Surfside resident who worries about lead in the sand and the size of the dunes. "I think you've come up with a great ordinance for first reading."
But the majority of the meeting was spent discussing sand relocation. Some residents felt that too much time has already been spent discussing the sand.
Longtime resident Lou Cohen recalls previous construction of two buildings where sand was dug up and spread along the beach.
"There wasn't one word of negative comment from any citizen then," he said. "We've made a big to do, maybe out of something we should make a big to do out of, but it's been overblown."
Others grow increasingly frustrated as the days pass and the sand continues to sit on the beach.
Deborah Cimadevilla, a 15-year-resident of Surfside, hired attorneys.
"I wanted to have legal representation to hold the town accountable," said the mother of two young children.
In hopes to help the town solve this ongoing issue, attorney Alexander Tachnes of Fort Capital Management representing the Surf Club offered $250,000 to purchase new sand under two conditions:
▪ The existing sand not be removed from the beach, since the beach is already depleted.
▪ Cimadevilla and her attorneys enter into a settlement agreement and drop their objections with regards to the sand issue.
"There's nothing wrong with the sand and there has been no evidence to prove otherwise," said Tachnes, who noted that Surf Club is not legally obligated to do anything. "We would not want to be selling multimillion dollar condos to residents that will be living there with a beach that has a million problems."
However some residents disagreed with that solution.
"The safe option is to completely remove it," said Cimadevilla, who has gone out to the beach with a metal detector and found numerous items she considers dangerous. "We want the best beach and that will do it."
The discussion on sand placement continued into March 11, where both Vice Mayor Eli Tourgeman and Commissioner Barry Cohen urged the developers to remove the sand.
"We can't face our residents anymore with this," said Cohen, who recalls a time early last year when representatives from the development company stated that they would fix the problem. "I think it's their responsibility to correct the situation that they've created."
Michael Kashtan, general counsel for Fort Capital, noted that the company has responded to all the issues presented over the last year and believed the sand to be problem free.
"We were told the beach was clean," Kastan said. "We are with you. We want a clean beach. There's no question about it. We want a pristine beach for the residents of Surfside and those who visit."
Kastan requested some time for the development company to investigate and come up with a solution that works for everybody.
"The residents have waited a year," Tourgeman said.
As of Monday, there have been no updates on a resolution. The Surf Club is preparing to release a statement on Thursday.


text:
Electro-Motive Diesel and Locomotive Company (Pty) Ltd (EMDLC), headquartered in Pretoria, South Africa, is working to provide technological advancements to reach new levels of availability, reliability and asset utilization across the African continent. At EMDLC, we are responsible for marketing advanced solutions in the rail industry. Our products, people and relationships enable us to lead the industry as we improve productivity and safety standards. We provide services and solutions to rail customers in Sub-Saharan Africa, leveraging existing resources in the region.
EMD products have performed in nearly every imaginable condition - from the sands of the Sahara, to the heights of the Andes, to the demanding grades of the PowderRiver Basin. EMDLC offers services and solutions to rail customers in Africa, leveraging EMD, Progress Rail and the existing Caterpillar footprint and resources in the southern Africa region.
Products and services offered include new locomotives, rebuilds, refurbishments, parts and all types of locomotive maintenance. EMDLC locomotive products include various options, including new, like-new, modernization, re-engine and overhaul. Through Progress Rail, EMDLC also offers engineering and track services, which include both product and service offerings, i.e. new and used rails, turnouts, rail crossings, crossing signals, frogs and various other track services.
We look forward to future opportunities for innovation in the region by listening to and supporting customers, pursuing continuous improvement, and building on a reputation for manufacturing excellence. Our successful track record of localization, supplier development and global knowledge positions us to deliver world-class railway and diesel engine solutions


text:
Poblanos Stuffed with Goat Cheese and Shrimp
Colorful and absolutely scrumptious, these stuffed peppers are a great first course or a luncheon entrée. For variation, substitute cooked chicken or crabmeat for the shrimp filling.
Yields: 8 servings
Roasted Poblanos and Red Peppers
8 poblano chiles
2 large red bell peppers
Stuffed Poblano
4 oz. mild goat cheese
1/2 c. grated Panela cheese or Monterey Jack
1/2 lb. chopped shrimp
1 shallot
1/4 c. finely chopped red bell pepper
1 tbsp. finely chopped fresh cilantro
1 tbsp. finely chopped fresh basil
1/2 tsp. kosher salt
1/4 tsp. Freshly ground black pepper
Red Bell Pepper Sauce
1 tbsp. Extra virgin olive oil
3 shallots
2 clove garlic
1 serrano chile
c. chicken or vegetable broth
1/2 tsp. kosher salt
1/4 tsp. Freshly ground black pepper
- Make the roasted poblanos and peppers: Over an open gas flame (on the stovetop or outdoor grill), roast the chiles and peppers, turning with tongs for even roasting, about 5 minutes each (you can roast two or three at a time on each gas burner). The chiles and peppers are done when they are soft, blackened, and blistered over most of their surfaces (it is not necessary to get every nook and cranny, and it's important not to over-roast the chiles which much remain intact for stuffing).
- Place the hot chiles and peppers into two separate large bowls. Cover the bowls with plates or with plastic wrap; set aside for about 15 minutes. Using a paring knife, gently rub the skin off of the flesh of each chile and pepper. Wipe the surface of the flesh with paper towels to remove most of the excess skin and charred bits. Discard the skin and set the chiles and peppers aside. (Never run roasted chiles or peppers under water to remove the skins; doing so removes flavorful natural oils.)
- Make the stuffed poblanos: Preheat the oven to 350 degrees F. Line a 9- by 13-inch rimmed baking sheet with parchment paper. Carefully slit each chile down one side and remove the seeds, leaving the stems attached. In a medium bowl, combine the goat cheese, Panela cheese, shrimp, shallot, chopped red pepper, cilantro, basil, salt, and pepper; stir well. Taste and adjust seasoning as needed.
- Divide the cheese mixture into eight equal portions. Place one portion into each chile, being careful not to overfill. Close each chile, overlapping the edges slightly. (These can be made a day ahead, covered, and refrigerated). Transfer the stuffed poblanos to the baking sheet. Bake until just warmed through, about 10 minutes.
- Make the sauce: Cut open the roasted red bell peppers; remove and discard the stems and seeds. In a medium skillet, heat the oil over medium heat. Add the shallots, garlic, and serrano chile and cook, stirring occasionally until the shallots are tender, about 3 minutes. Transfer the mixture to a blender. Add the roasted red peppers, chicken broth, salt, and pepper. Blend until smooth. Add more broth as needed to reach the desired consistency (it should not be too runny). Taste and adjust seasoning as needed. (The sauce can be made a day ahead and refrigerated). Return the sauce to the skillet to warm slightly.
- To assemble: Place one or two stuffed poblanos onto each plate. Spoon sauce on and around the poblanos.
This content is created and maintained by a third party, and imported onto this page to help users provide their email addresses. You may be able to find more information about this and similar content at piano.io
More From Recipes


text:
Fracking opponents vowed to keep up the fight in Colorado on Monday after it was announced that measures seeking to restrict fracking in the state had failed to make the 2016 ballot.
Secretary of State Wayne Williams said Monday that supporters failed to collect enough "valid voter signatures" for Initiatives 75 and 78, which would have given local authorities more power to regulate fracking and implemented mandatory setbacks for oil and gas activity around schools, playgrounds, and hospitals, respectively.
As Denverite explains:
The state office looked over roughly 5,000 signatures for each of the measures, per normal procedure, and rejected about a quarter of them for being "invalid."
The state then took that rejection rate and applied it to the total number of signatures collected, essentially knocking out a quarter of the submitted signatures and putting them below the requirement.
The state identified "several potentially forged signature lines" on Initiative 78.
According to the secretary of state's office, proponents have 30 days to appeal the decision to the Denver District Court.
A statement from anti-fracking groups distributed Monday suggested organizers were still deciding whether to appeal.
"As we review the ruling, we want to assure our volunteers and supporters that we are as committed as ever to giving the residents of Colorado a say this November on whether their communities can regulate fracking," said Tricia Olson, executive director of Yes for Health and Safety Over Fracking.
At Stake?
An existential threat to our democracy. A global pandemic. An unprecedented economic crisis. Our journalism has never been more needed.
Can you pitch in today and help us make our Fall Campaign goal of $80,000 by November 2nd?
Please select a donation method:
"That fracking is dangerous to the health and safety of the state's residents resonated loudly in every corner of the state," she said. "Today's announcement is not the final action on this issue as countless residents are now committed to protecting their children's schools, parks, and homes."
"We will not be cowed by the anti-democratic efforts of the oil and gas industry," added Suzanne Spiegel of Frack Free Colorado.
The Colorado Independent reports:
The failure of both measures to make the ballot comes after months of a costly, contentious and occasionally disorganized grassroots campaign. Industry groups poured money into a "decline to sign" effort, and anti-fracking activists say they faced harassment from opponents while trying to gather signatures to qualify the measures for the ballot.
Furthermore, the Coloradoan reported this month, opponents raked in more than 35 times the contributions of groups backing the measures, with about 90 percent of the anti-ballot measure donations coming from energy companies.
"The 'Decline to Sign' campaign only served to highlight the industry's stranglehold on the state government," said Spiegel. "The actions of the industry have only served to galvanize supporters and we intend to fight the destructive and dangerous fracking practices that harm our health and destroy our environment."
Colorado Gov. John Hickenlooper, a fracking supporter, was among those opposing the initiatives. He predicted last week that the measures would not make the November ballot.
Earlier this month, the New York Times wrote that if either measure should pass, "it would represent the most serious political effort yet in the United States" to stop fracking.


text:
Losing your home to foreclosure is among the most stressful financial setbacks you may have to endure. Federal and state programs may help you avoid foreclosure. If all else fails, filing for Chapter 13 bankruptcy might be your last and best hope to stop a foreclosure. The bankruptcy cannot actually stop the foreclosure, but it can provide you with temporary relief from creditors and a stay on the foreclosure process, allowing you to rearrange your finances and get back to making your monthly mortgage payments.
Things You Will Need
A mortgage
Counseling sessions
Repayment plan
Step 1
File a chapter 13 bankruptcy with the bankruptcy court (federal court) that serves your area. Search for the court that serves your area at www.uscourts.gov and insert your city, state and zip code in the court locator's search box.
Step 2Include in your chapter 13 file: 1) A list of all your creditors and what you owe them. 2) A detailed account of your income, that is, how much money you make and how often. 3) List of all your property. 4) A list of all your monthly expenses, including food, housing, service bills, taxes, and so on.
Step 3
Attend credit counseling at an approved credit counseling agency. At these counseling sessions you will prepare a repayment plan to present to your creditors with the help of your counselor.
Step 4
Attend the meeting of creditors and present your creditor repayment plan. This meeting will be arranged by the court bankruptcy trustee or administrator. You will need to answer questions form your creditors.
Step 5
Attend the hearing of your repayment plan at the bankruptcy court of your area (South, Middle or North Florida Federal Courts). The judge will study your plan and carry out judgment. If the judge approves your plan you will have to abide by the repayment plan you prepared to save your home.
Tips & Warnings
Hire a bankruptcy lawyer. Filing for bankruptcy is a complicated legal process, and you will need help from a professional.
Be quick about filing a bankruptcy once you decide it is your only chance because it will only stay your foreclosure if you file before your lender completes the foreclosure sale.


text:
Let's realize this promise together
Lutheran Services in America is activating the power of its one-of-a-kind network like never before—together, we're building on a 500-year tradition of service in support of better, stronger, more resilient communities. In July, Lutheran Services in America launched Realizing the Promise, a special three-year fundraising campaign with a $500,000 goal. Thanks to significant investments from our member organizations and donors, we are more than halfway to achieving our goal. We are so grateful for this early commitment from individuals like you and those across the LSA network!
Today, we invite you to join us in advancing innovative solutions to some of the most complex health and social challenges we face as a nation. Your investment will advance programs that:
- Realize a brighter future for the most vulnerable children and youth
- Realize better ways for vulnerable seniors to remain healthy at home
- Realize the fullness of our advocacy voice
Realizing the Promise will not achieve a one-time milestone or acquire an asset that you can see and touch. This campaign is something different. That's the promise, a new delivery of health and social service that shapes our nation from the community level on up. Let's realize this promise together.
Download a PDF copy of the brochure >
Download the PDF copy of the pledge form >
Donate now >
If you have questions or would like to make a gift by phone, please call 202.499.5822.