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Was the USN Rappahannock Under Attack near Dubai?
It might be an overreaction on the part of a sailor on the USN resupply ship, Rappahannock, which was 10 miles off Dubai, heading for port. India's ambassador provides a different story. The small fast moving fishing boat (similar to those that Iran has) containing four Indian fishermen was fired upon with a .50 cal HMG when the boat had moved to within 100 yards of the ship. The USN states that warnings were issued to the boat beginning 900 yards away. The boat had three motors, no markings and no communications. One Indian was killed while the others were wounded.
According to the fishermen, no warnings from the USN ship occurred. Their boat and the USN ship were headed to the same port. The Dubai police indicate that the boat posed no real danger to the USN ship.
The shooting could be mistaken identity since the boat approaching was a similar kind used by Iran. Iran's possess anti-ship rockets, machine guns and rockets. These boats are high speed and used by the Revolutionary Guards.
A fast moving, unidentified boat, within 100 yards, leads one to ask, why didn't the small boat veer away from the ship? It would be common sense. Obviously, to those on the USN ship, it would appear to be a suspicious boat racing to towards them. Past experience indicates that boats like this could have been filled with explosives. One can easily see why it was fired upon because there is no logic as to why the fishing boat did not veer off or stop to avoid impact.
I'm surprised that as a California type, you are not complaining about unnecessary force and violence. It's reassuring. If anything, they showed too much restraint. 100 yds is nothing.
There is no reason not to have markings,flags,radio equipment etc..on board a fishing boat.Seems all the rules of common sense we're disobeyed by the fishing boat.If it's big and it's grey;stay away from it.If it's got guns on board;stay away from it.If it's telling you to go away;stay away from it.Another Darwin award effort.
Following the attack upon the U.S.S. Cole, the U.S. Navy issued new orders to their ship captains outlining the process for preventing another such attack. The commander of the Rappahannock warned the vessel away from his ship but it pressed on towards the supply vessel. They got what they asked for.


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The pumpkin arrived with a table runner to match. Candace I love it! She also made a set for my sister Gail. How lucky can two girls get? It looks perfect on the coffee table. Mazey promised me that she wouldn't touch them.....and she hasn't. She knows how special this is to me. Thank you so much for your thoughtfulness Candace.
So yesterday I decided to make a Halloween pillow. By early afternoon I put the finishing touches on it......not so fast.......take a look at the bottom row of double flying geese that I stitched on upside down!
Mazey, Mr. Joe and I took a walk down to Snowflake Lake this afternoon. I hope the trees hold on to their colorful leaves for another week. The lodge you see nestled in trees, is the location for my quilting retreat next week. I'm thinking the girls will take breaks and walk around the lake during the day.
Our little grand kids love spending time in this lake during the summer. The water is usually bone-chilling melted snow, but it doesn't seem to bother them.

subset: commoncrawl


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Below is the finished project I hinted at last time. It's my Tag Square Bee quilt that was started at the end of 2010. The blocks are from quilters all over the world, except for the one at the top, centre, which I made. I also sent a block to each of those quilters to incorporate into their quilts.
It's the second, and biggest, quilt I've finished to date and will grace the bed in the spare room, after it's been washed (there's a lot of handling involved in hand quilting - and the odd spilt cup of tea - resulting in general grubbiness!)
|I think the shadows on this photo are great.
|Zipped purse made for stall at talk. Organic cotton samples and recycled orange zip.
|Handbag made from left over upholstery fabric from my mother plus other scraps
Bye for now
Teresa x


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South Florida Lacrosse: Welcome
Welcome to the South Florida Chapter
of US Lacrosse webpage.
The mission of South Florida Chapter of US Lacrosse is to ensure a unified and responsive organization that develops and promotes the sport by providing services to its members and programs to inspire participation, while perserving the integrity of the game. We envision a future which offers people of South Florida the opportunity to discover, learn, participate in, enjoy, and ultimately embrace the shared passion of the lacrosse experience.
Sunday, May 6
National Tournament Team
Congratulations to the following players for being selected to the SFCUSL National Tournament Team. If your name is listed below, you must email your confirmation to firstname.lastname@example.com by midnight tonight. Alternates must also confirm their participation on the team. Team members and alternates will receive more information on Monday, May 7. Thank you to everyone that participated and those that volunteered today.
#11, Angela Benson, Martin County, Fr.
#10, Hayley Ciklin, Benjamin, So.
#12, Morgan Falkenhagen, Saint Edward's, So.
#14, Alexandra Gershman, Pine Crest, Fr.
#15, Katelin Glass, Park Vista, Jr.
#23, Carli Marsh, Douglas, Jr.
#31, Meredith Baker, Vero Beach, Jr.
#32, Christiana Butz, Saint Edward's, So.
#37, Jasmine Docal, Pine Crest, Jr.
#39, Cailyn Doyle, Pope, Fr.
#49, Ashley MacIntyre, Vero Beach, Fr.
#51, Bailey Mathis, Park Vista, Jr.
#53, Allison Modica, Vero Beach, Jr.
#55, Marissa Boye, American Heritage, Jr.
#56, Hannah Palau, Vero Beach, Fr.
#59, Olivia Rossnan, Park Vista, So.
#62, Caroline Smith, Martin County, So.
#66, Olivia Blakeman, Saint Edward's, So.
#80, Jasey Sanders, Palm Beach Central, Jr.
#83, Hannah LaBovick, Benjmain, So.
Alternate: #25, Lauren Morando, St. Thomas Aquinas, So.
Alternate: #79, Quinn Roe, Martin County, Fr.
Alternate: #48, Emily Kowalik, Pope, Fr.
Alternate: #78, Nancy Benedetto, Jupiter, Fr.
Saturday, April 21
Hall of Fame & Awards Dinner
On May 12th, we will host a wonderful evening where we come together, off the field, to celebrate South Florida's lacrosse community! 2012 Inductees, our High School All- Americans, and High School Academic All-Americans will be honored. We will also pay tribute to those earning Sportsmanship awards and those honored as Coach of the Year and Person of the Year.
This special evening will take place at Marriott North Ft. Lauderdale. To register, receive discounted hotel rates, or find out information about advertising in our program, go to http://events.constantcontact.com/register/event?llr=dl5lnihab&oeidk=a07e5sahegac9c1e59f.
Be sure to register by May 1 for the discounted rate. We look forward to welcoming you to our special event.
Hall of Fame Class of 2012
Brian Cook- Player
Chris Heide- Contributor
Pat Lebowitz- Player
Mark Parets- Contributor
Kevin Reilly- Player
Saturday, April 30
Congratulations to the 2011 State Champions!!!
IA Girls: Majory Stoneman Douglas High School
IA Boys: The Benjamin School
FHSAA Girls: Vero Beach
FHSAA Boys: Lake Highland Prep
The SFCUSL is committed to helping new start programs in our community.
SFCUSL 2010 - 2011 Donations:
Coral Springs Charter: Boy's & Girl's
SFCUSL 2009 - 2010 Donations:
South Plantation: Boy's & Girl's
Coral Springs Youth Lacrosse: Boy's & girl's
SFCUSL 2008 - 2009 Donations:
Christopher Columbus High School: Boy's
South Plantation: Boy's & Girl's
SFCUSL 2007 - 2008 Donations:
South Plantation: Boy's & Girl's
Davie Youth Lacrosse
SFCUSL 2006 - 2007 Donations:
St. Thomas Aquinas: Boy's & Girl's
Wellington High School: Boy's
Miami-Killian High School: Girl's
SFCUSL 2005 - 2006 Donations:
Spanish River High School- Girl's
Taravella High School- Girl's
Boca Raton High School- Boy's
Parkland Redhawks
Martin County Pioneer Lacrosse
Key Biscayne
Panthers Lacrosse Club
Coral Springs High School- Boy's
*** If your program is in need of financial assistance,
complete the "Financial Assistance" form under the Event/Forms link.


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Sunday, October 4, 2009
It did me good to put it into words and I meant all of it but somehow, perhaps being a little too soft, I deleted what I had written in case I should hurt anybody's feelings. This regardless of the fact of just how much mine may have been hurt over past months or even years in some cases.
Earlier this year I was very sad and ended up in hospital as a direct result of this sadness. This may sound somewhat nonsensical but I am sure I am right in saying this. If perhaps I had sat down then and written about how I feel it would have helped me a lot and I would not have become ill. Even tonight I don't feel all that wonderful but am sure I will get through and come out the other side of it.
Even though I have deleted what was written earlier today I still feel the same way but in order to save the feelings of others it is gone from their sight.
I still have my dear other half and he has me and for that I am very thankful and with that I must be content. I also give thanks for my computer through which I do have some contact with others, some of whom are really great people and I am thankful for that contact.
2 comments:
I enjoy reading your posts very much, I did read what you wrote earlier and thought it was fair enough. Thanks for sharing your insight and being honest. I think you are pretty amazing to have mastered the computer and be on facebook at age 77!!ReplyDelete
Firstly Amanda thank you for your compliment re my use of the computer. It has become a lifeline to me 'cos of the fact that I can't get out and about very much. Through Facebook I have contact with some wonderful people around the world whch is so much fun.ReplyDelete
I am now wondering if you read the post that I actually deleted and replaced with the one above. I felt I had perhaps said a little too much that could hurt those close to me. What are your thoughts on that I wonder?
I simply cannot say to those involved exactly how I feel so have to live with these feelings I have.
Thank you so much for your kind comments. You are such a lovely lady.


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Response to Pat Weaver's Letter to the Editor regarding the paper titled "Project Management Certifications Benchmarking Research: 2016 Update", published in the December 2016 edition of the PM World Journal
By Dr. Paul D. Giammalvo, CDT, CCP, MScPM, MRICS
Jakarta, Indonesia
Dear David,
See my responses to Pat's posting below [PDG]….
Weaver: With reference to Dr. Paul D. Giammalvo's featured paper 'Project Management Certification Benchmarking Research: 2016 Update', I believe his focus on Malcolm Gladwell's 10,000 hour rule is misplaced 2.
The concept of a 10,000 hour rule has been widely criticised in the academic media, not least by the authors of the research paper used by Gladwell as a basis for his rule. It certainly takes effort become an expert but the 10,000 hour maxim was drawn from non-relevant data. In an article entitled 'Malcolm Gladwell got us wrong: Our research was key to the 10,000-hour rule, but here's what got oversimplified 2' the authors of the research used by Gladwell as a basis for his 'rule', Ericsson and Pool, claim to have been misunderstood and that Gladwell's 10,000 hour rule over simplifies a complex set of requirements.
[PDG] Agreed and I tried to be clear that I too do NOT agree with Gladwell's "10,000 hours" and in fact, argue strongly and consistently that it should be 15,000 hours to qualify as a top tier professional. (See the end for the ranges for different job titles)
In the 2016 Update- Page 3:
"While the author recognizes that Gladwell's "10,000 hour" rule has been and is being challenged on many fronts, by providing a defined zero point and the same units of measure (standardized level of effort hours) we have created a true ratio scale, enabling us to compare the relative level of effort between any two or more credentials."
2016 Update Page 12- The following 8 GLOBAL project management certifications scored greater than 15,000 Level of Effort hours and/or between 16,200 (ABET PE) and 20,000 (Non-ABET) Level of Effort Hours, earning them honorable mention as also being "legitimate" professional level credentials:
2015 Update- Page 1:
"Some of the key findings from previous year's research shows that at least in the field of project management, Gladwell's "10,000 hours" is too low, with 15,000 hours "level of effort" being closer to what it actually takes to produce a "competent" professional level practitioner"
2014 Update- Page 1:
Malcolm Gladwell's "10,000 Hour" rule came from his 2008 book "Outliers- The Story of Success" where he posited that to become "successful" at anything, required a minimum of 10,000 hours of progressively challenging experience. And while his research has been challenged, the primary reason for choosing this as a benchmark is by providing a true zero point and having the same unit of measure, it enabled the creation of a ratio scale analysis. So while the "10,000 hour" rule has been used as a benchmark, this research makes a reasonable argument that the number should be closer to 15,000 hours not 10,000, at least for project management.
Weaver: As a starting point the choice of 10,000 hours was arbitrary, a study published by Ericsson in 1993 on a group of violin students in a music academy in Berlin found that the most accomplished of those students had put in an average of ten thousand hours of practice by the time they were twenty years old. However no student at 20 years of age is a master of the violin, this level of skill is rarely achieved until the age of 30 or older, after a total of 20,000 hours or more of directed practice – 10,000 hours is only part of the way to mastery. Conversely becoming a master in other disciplines may require significantly less than 10,000 hours. To quote Dr. Francis Mayer of St. Thomas University, Minneapolis (1963) 'an amateur practices until he can do everything right and a professional [master] practices until he can't do anything wrong'. If Gladwell had selected a different age for the students a different number of hours of directed practice would have accumulated, but still would not have represented the time needed to achieve 'mastery' of the violin.
More (with footnotes and references)…
To read entire document, click here
About the Author
Dr. Paul D. Giammalvo, CDT, CCE, MScPM, MRICS
Jakarta, Indonesia
Dr. Paul D. Giammalvo, CDT, CCE (#1240), MScPM, MRICS, is Senior Technical Advisor (Project Management) to PT Mitratata Citragraha. (PTMC), Jakarta, Indonesia. http://www.build-project-management-competency.com/.
For 25+ years, he has been providing Project Management training and consulting throughout South and Eastern Asia, the Middle East and Europe. He is also active in the Global Project Management Community, serving as an Advocate for and on behalf of the global practitioner. He does so by playing an active professional role in the Association for the Advancement of Cost Engineering International, (AACE); Construction Specifications Institute (CSI) and the Construction Management Association of America, (CMAA). He previously served on the Board of Directors of the American Society for the Advancement of Project Management (asapm) http://www.asapm.org/ and served previously as the Chair of the Certification Board of the Green Project Management organization. http://www.greenprojectmanagement.org/ He is active as a regional leader and a compensated consultant to the Planning Planet's Guild of Project Controls. http://www.planningplanet.com/guild
He has spent 18 of the last 45 years working on large, highly complex international projects, including such prestigious projects as the Alyeska Pipeline and the Distant Early Warning Site (DEW Line) upgrades in Alaska. Most recently, he worked as a Senior Project Cost and Scheduling Consultant for Caltex Minas Field in Sumatra and Project Manager for the Taman Rasuna Apartment Complex for Bakrie Brothers in Jakarta. His current client list includes AT&T, Ericsson, Nokia, Lucent, General Motors, Siemens, Chevron, Conoco-Philips, BP, Dames and Moore, SNC Lavalin, Freeport McMoran, Petronas, Pertamina, UN Projects Office, World Bank Institute and many other Fortune 500 companies and NGO organizations.
Dr. Giammalvo holds an undergraduate degree in Construction Management, a Master of Science in Project Management through the George Washington University and a PhD in Project and Program Management through the Institute Superieur De Gestion Industrielle (ISGI) and Ecole Superieure De Commerce De Lille (ESC-Lille- now SKEMA School of Management) under the supervision of Dr. Christophe Bredillet, CCE, IPMA A Level. "Dr. PDG" can be contacted at [email protected].
To view other original work by Paul Giammalvo, visit his author showcase in the PM World Library at http://pmworldlibrary.net/authors/dr-paul-d-giammalvo/


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AMD FX Destroys i7 980X in Properly Optimized SHA1 code
As shown in this review, the AMD FX 8150 is 20% faster than Intel i7 980X in the CPU Hash benchmark. As the benchmark page explains:
This test measures CPU performance using the SHA1 hashing algorithm defined in the Federal Information Processing Standards Publication 180-3. The code behind this benchmark method is written in Assembly, and it is optimized for every popular AMD, Intel and VIA processor core variant by utilizing the appropriate MMX, MMX+/SSE, SSE2, SSSE3, or AVX instruction set extension.
Since SuperPI and Cinebench are such a widely used tools, AMD should spend some effort and optimize them for AMD FX.


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Coniferous plywood impregnated by wood preservative agent
It is a pine or combined pine plywood impregnated by dipping by wood preservatives agent. This product protects the plywood surface against wood destroying and wood discolouring fungi and satisfies the performance requirements of EN 599-1. Treated parts must always be protected with a topcoat treatment before they are exposed to the influence of the weather. Upon customer request impregnated surface can be additionally colored.
Basic data:
Quality classes:
(acc. to EN 635 – 3) I, II, III, IV.
Thickness and tolerance range:
(acc. to EN 315) 4 - 35 mm.
Standard sizes:
2500×1250 mm
2440×1220 mm
2130×1220 mm
or acc. to arrangements with the customer.


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Facebook is making some changes to the Facebook Page in March 2011. Here is a sneak preview of the changes on my Stroup Images Page. First, here's the old Facebook Page style:
Here's the new Facebook Page Style:
Changes include:
- The new Facebook Page now shows latest photos from your Page across the top of the Page.
- Navigation has been moved to the left side of the Page to match the personal Facebook pages.
- Your page may now show Top Posts or most Recent Posts on your wall. You may filter what appears on your wall.
- Now you can get notifications when fans post or comment on your Page.
- A Facebook Page can now like other pages and feature them on your Facebook Page. This will be wonderful for cross marketing if you have more than one Facebook Page.
- You can now make comments as your Facebook Page on other pages.


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Thursday, November 19, 2009
Weighing In
Although I've heard, read, slept, and breathed the fact that with PCOS/IR, exercise is my golden ticket, it's taken me this long to really get that into my thick skull.
But Internetz? It's true.
This week I lost 1.2 lbs. Last week it was over 2 lbs. Since late October, when I finally got myself really and truly on track, I've lost almost 14 lbs.
Yes, eating has been part of it. I find the more whole (ie: non-processed) foods I consume, the better. Apples have become my snack of choice. I still eat carbs but I try and focus on whole grain only and am aiming to eat all things in moderation. This has worked for me personally. Why? Because this bitch becomes a raving lunatic when you tell me that I "can't" have something. Once I can't have it, I want it even more.
Issues? Yes, I haz them!
So the eating has been pretty good - but I'd be lying if I said it's been perfect. I still eat out and enjoy the odd treat. I made chocolate chip cookies the other night (testing a recipe for Christmas I swear!) and yes, I did have one. Okay, two. Okay, okay. Three.
But exercise? Adding this to the mix has helped me see a consistent loss on the scale. I know that some weeks will be better than others. I also know that it's normal to have fluctuations even on weeks when you've been really, really good. But as many of my fellow PCOS girls know, weight loss with PCOS can be a slow and frustrating endeavour. As much as I bitch about going to the gym, seeing results like this gives me hope.
Joining the gym was a good choice for us. We try and go at least every other day. On days that I just can't get there thanks to my crazy work schedule, I try and go for a walk when I get home or something.
Am I a gym rat? Hell no. I still bitch and moan every time Irish Boy announces that it's time to go. I'm not sure if I'm ever going to be the girl that looks forward to going to the gym. Let me just give a big HOLLA to the flat screen televisions that sit above the treadmills - they have been my saving grace. My inner couch potato is satisfied and sadly, getting to watch my favourite shows while working out is personal motivation.
Let me be clear that I have a long way to go. But if I can keep this up, I think I can definitely be at my 10% goal by the new year and return to fertility treatments as hoped.
If I may lose the sarcasm for but a moment and be honest with you, I'm actually rather proud of myself. I had been feeling pretty down on myself that I couldn't even get this aspect of my life together. But now, I'm seeing results, and I'm hopeful that I can indeed do this.
Thanks to all of you for cheering me on. Please, keep it coming. I can't tell you how your encouragement helps keep me going on the days that I'd just rather not get up and get moving. Know that I'm here to offer the same support to you - please don't hesitate to ask!
14 comments:
- irrationalexuberance said...
omg that is awesome. I can't believe you are doing so well. It sounds like you don't need my encouragement at all! (but it is still here if you need it).
You should be proud of yourself -- you are doing something that is hard, and requires constant effort, but you are doing it and that is so impressive.
keep up the great work!
- November 19, 2009 at 6:21 PM
- Anonymous said...
14 pounds? that is so awesome! Keep up the good work!
- November 19, 2009 at 7:06 PM
- zengirl said...
I am soooooo proud of you! You go girl!
Eating whole foods is such a great idea! Vegetable soups (minus the cream) is a really good snack. So is boiled salted chickpeas that are very high in fibre and folic acid. I am also trying very hard to give up non-processed food, especially breakfast cereals that are so convenient in the morning. Oats are too high in calories for people trying to lose weight so I am trying boiled sweet potato and black-eyed peas for breakfast. I'd recommend it - it's not bad, except for the farting! LOL!
- November 19, 2009 at 7:15 PM
- Anonymous said...
I am so proud of you!!!! Yes, the PCOS/IR makes losing weight such a slow process and it can be so frustrating. 14 lbs is AWESOME!!!!! Keep it up and you will be at your 10% goal and might even surpass it :)
- November 19, 2009 at 7:26 PM
- Jennifer said...
w00t! I have eaten 14lbs of toffee today!
Congrats - that's a huge accomplishment, especially since you're dealing with the stress of all this!
Also, you can't deprive yourself of the good stuff, it's only going to make you crazy in the end and lead you to binge-eat yourself into Richard Simmons-ville. Take it from me. Keep up the good work, hooker!
- November 19, 2009 at 9:01 PM
- jenicini said...
Go you! You are doing fantastic! :)
- November 19, 2009 at 9:03 PM
- Mad Hatter said...
You're doing awesome, lady! Keep it up!!
- November 19, 2009 at 10:15 PM
- A baby for Al? said...
14 pounds is amazing!! Keep it up!
- November 19, 2009 at 11:32 PM
- Mrs. Gamgee said...
14 pounds is fantabulous girl!!!! I covet your motivation.
From my many different attempts at weightloss, I have found that when I feel like I'm depriving myself I am more likely to 'fall off the wagon'. Moderation is key, along with smart choices.
Good for you, for sticking with it! I have no doubt you'll reach your goal.
- November 20, 2009 at 12:08 AM
- junebug said...
Yeah!!! Your are doing awesome!! I know how tough it is especially for us PCOS/IR gals. Me and the hubby have gotten into more then one fight as he has dragged me out of the house to workout but I always make it up to him later when I'm not in my bitchy mood. I love the tvs at the gym. It has to be the tvs or a class. I'm not great at motivating myself.
I look forward to hearing of your continued success!!!
- November 20, 2009 at 2:21 AM
- Milla said...
Those are great results, a huge well done! It sounds as if you've accomplished a big turnaround and made it stick, keep up the good work. I think that you are completely right to be proud and pleased with yourself.
- November 20, 2009 at 5:03 AM
- Anonymous said...
Amazing progress! Good for you, you should be pleased with yourself!
- November 20, 2009 at 7:19 AM
- Anonymous said...
Congratulations on the weight loss and exercise! My cousin is dealing with PCOS, and she's just now starting to have a breakthrough with weight loss and exercise as well. It's so incredibly difficult, and you SHOULD be very proud of yourself :)
- November 20, 2009 at 8:52 AM
- Marla.z said...
Wow! 14 lbs is awesome! I wish I had your dedication. I need a hubby like your's that will drag me to our fitness center. It's been months since I saw what a treadmill looks like ;)
- November 21, 2009 at 11:21 AM


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Kings of Leon a perfect fit at Houston's Discovery Green show
Concert review
Kings of Leon a perfect fit at Discovery Green
Kings of Leon is, in many ways, ideal for a free outdoor concert.
Several songs had a larger-than-life feel, echoing through the immense Saturday afternoon crowd at Discovery Green. It was a considerably larger turnout than Friday's Sublime show (though the sound wasn't quite as sharp).
Lead singer Caleb Followill isn't a huge presence and only addressed the crowd to utter a few "You rock, Houston!" formalities. Less talking, more music. Drummer Nathan Folowill sported a Rockets shirt, good for several bonus points.
And because the band has only a handful of radio hits, it allowed the crowd to engage in more important matters during lesser-known tunes: buying beer, searching for friends, snapping photos of themselves. There was also an alarmingly high number of female crowd-surfers.
Radioactive, from current album Come Around Sundown, kicked off the hourlong set. Crawl was a standout and typified the band at its best: dirty guitar licks and a mean groove. They'd be wise to build on that sound.
Sex on Fire called an army of camera phones to attention. And KOL's biggest hit, Use Somebody, incited the kind of top-of-lungs sing-a-long reserved for king-size radio anthems.
Opener Panic! At the Disco braved the humidity in white button-ups and ties. Singer Brendon Urie was bombarded with bags of potato chips, granola bars and a hot-pink bra but took it all in stride. He's an engaging presence and charged gamely through a set that ended with I Write Sins Not Tragedies, hinting at an untapped vocal power.


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Boris gets his name from the words BOgnor RegIS. A nine year old girl won the competition to name the locomotive with this innovative entry. Built in 2007 by Alan Keef Ltd in Ross on Wye, Boris is a steam outline locomotive powered by a Perkins Diesel which drives a hydraulic pump which in turn drives the rear axle via a chain. The rear wheels are connected to the other two axles with driving rods to give the locomotive traction on all six wheels.
These three carriages were named by the runners up in the "Name The Locomotive" competition. All three were also built in 2007 by Alan Keef Ltd in Ross on Wye and run on four wheeled bogies to give a smooth ride. They are fitted with a twin piped air brake system. Each has seating for twelve passengers but have been known to carry many more!.
Ryan was inspired by a young paraplegic lad with whom we spent many an hour discussing the difficulties of building a wheelchair access vehicle in such a small gauge. He won his argument and we took delivery of the vehicle that carries his name in 2008 from Alan Keef of Ross on Wye. The carriage has a ramp capable of handling all sizes of wheelchairs together with a drop down side panel opposite that allows the wheelchair to rotate outside the closed width of the carriage. It also carries up to eight other passengers and has glazed side panels to give some protection from wind & rain. It runs on two four wheeled bogies and is fitted with a twin piped air brake system. Sadly we have heard that Ryan died in 2010, but at least his memory & inspiration lives on that others may enjoy a ride on the train with their families & friends.
This is the Railway's Engineer's Wagon used to convey tools and materials such as ballast, rail or sleepers around the park. Capable of carrying 2 tonnes it can often be seen conveying a diesel generator/welder to assist in repairs. Designed & built in partnership with Engineering Services of Hordon On The Hill, Essex, we took delivery 17 February 2011. Pictured here still in it's coat of primer & awaiting painting.
Pictured below, now in the railway's colours, working for its living with the generator on the back & a load of ballast & tools.
Partly Cloudy
Humidity: 71%
Wind: 17.70 km/h
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Designed by Clystnet


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"A British auction house said a pair of unwashed underpants worn by Elvis Presley failed to sell at a weekend auction.
Omega Auctions in Stockport, England, said the blue briefs -- which feature a slight stain in the crotch area -- were expected to sell for $16,000 at the auction but only attracted a high bid of $8,000, far less than the $11,200 reserve price, The Independent reported Monday."
The auction house claims the underwear was worn by the King of Rock and Roll under one of his trademark white jumpsuits during a 1977 concert. Enquiring minds want to know, how can the auction house prove this claim. Do all famous people keep and archive the underwear that they wore for important events in their lives. Will the underpants that Obama wore when he announced that Osama bin Laden was dead one day be put up for auction?
If a fool one day buys the Elvis Presley underwear, he would be well-advised to have the stain tested to determine if it matches the DNA of Elvis Presley.
At least we won`t have to worry about any of Lindsay Lohan panties put up for auction; the charming thespian rarely wears any undergarments.
I have a pair of stained boxers that I wore when I saw Oprah Winfrey without makeup for the first time, any takers?
Read more:
Photo Credit: Wikipedia.Org
Follow Robert Paul Reyes on Twitter: http://twitter.com/robertpaulreyes


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What knot? Land-based knot guide
"What knot should I use to tie my braid to my leader?" The answer depends on a few things but getting a knot wrong can result in it breaking at less than 50% line strength.
Tying the right not is all about what knot suits you best. Find out what you're good at and perfect it.
Thanks you to the boys over at Morning Tide Fishing for putting this guide together.


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Home of the Week: Denali Plan by Westport Homes
Westwood Landing; Zionsville, Indiana
A spacious kitchen, cozy breakfast nook, covered outdoor living space and an optional media room in Drees Homes' Colinas II Plan at Morgan Farms in Brentwood, Tenn., is ideal for entertaining family and friends. And, conveniently located to major highways and many area schools and shopping centers, residents of Morgan Farms are never too far from entertainment or nearby Nashville.
New eBook Available
Expert Advice on Buying & Building a New Home
The eBook will be delivered to your inbox. We will not share your email address.


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There are many secure ways to carry your cash other than a back pocket wallet and a shoulder holster wallet is just one of them.
Amazon Price: $21.29 Buy Now
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This is a great secure way to carry your cash, passports and cards in a shoulder holster fashion that is hidden under a jacket. For this to work its best, you should be wearing a jacket over it.
Traveling is when many pick pockets happen, as many tourists tend to carry more cash while travelling, and having your cash, passport and credit cards safe is easier now with some of these more innovative products that are on the market now.
You can get money belts for men that are worn around the waist under your shirt or pants, and you can also get neck wallets that secure around your neck and under your shirt. There are also leg money belts that you strap to the calf of your leg and it contains your valuables. It all depends on what you feel most comfortable wearing. Once you are comfortable, you are more likely to use it, and not walk like it is there!
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(price as of Sep 1, 2018)
I have friends that travel to many countries, and they will often hide money on themselves, and also have a decoy one for just in case they get mugged or pick pocketed. No one likes to think they will, but it can happen. They will keep smaller amounts of cash in a typical wallet and the rest of their stash in a hidden holster or money belts, that way if they get their wallet stolen they have not lost everything.
This style is easy to get at for you, and is secure with many different compartments for you to use. Keeping all your cash and papers in this wallet is a great way to keep track of everything with no worries.
By not having a crammed full wallet in your back pocket, you don't run the risk of the pick pockets. Also by having this style, you will always have your cash with you, for such times as driving. Many men do not like sitting on their wallet and will take it out, leaving yourself open to theft. By having hidden money wallets such as a this style, you put it on in the morning and you spend your day with it on.
At the airport this can by handy for keeping your tickets and passports in too, which a regular back pocket wallet does not have the room for, which then means you need to have two places for everything.
You can get affordable holster pockets that are made from good leather and are comfortable to wear with good secure straps that don't hurt or bunch. You can find these at many luggage and wallet stores, or you can also find them online at such sites as Amazon.
By shopping online you can get the variety that you would not get in one physical store. Plus you can compare prices and get the best deal you can. Safe guard your money this trip and check out the this style of wallet for yourself.


text:
|Deviant Art
art =
If you really care to know please don't hesitate to ask . I'm just here like the rest of you biding my time till the end. The clock ticks and tocks, back and forth for all , waiting for the reaper to make his call.
I dream when I am awake n I live while I am asleep
Attitude is everything, stay positive always
The time we spend with our waking minds is all we have. We all live day by day of air, water, and food. If this is ever so then why have we all not yet embraced one another as equals?
I am a thinker, a lover, a brother to all, a monster of human emotions, imperfect to reckless human nature, a simple human am I.
Music is the very nerve that drives me to do anything. Dancing satisfies the rhythm that the body beats to. Joy is a wonder that comes to me in flavors of dark blue, dark green, dark purple, dark gray, and neon green . Although for every time I have had ice cream I can always be at bliss. Sometimes that bliss or moment of peace needs a reminder of what it feels to be alive, the joy of going through a canyon run suffices this crave . I am a simple person with an amazing heart, I enjoy laughing, intellect, to get to know me this well; you will have to journey far. Time is not our friend yet we can make the best of that . My goals are infinite as the rays flashing from the sun. The spectrum of ones lifespan is based on what we consume not through materials but through mind and heart of which I hope you have both. If there is anything you'd care to know then please ask away.
"The most beautiful thing we can experience is the mysterious. It is the source of all true art and science."
-Albert Einstein
There he goes. One of God's own prototypes. A high-powered mutant of some kind never even considered for mass production. Too weird to live, and too rare to die.
- Raoul Duke: Johnny Depp from Fear and Loathing in Vegas
"Love is that which enables choice. Love is always stronger than Fear. Always choose on the basis of Love."
-A little wooden box :}
Current Residence: No. Ho., CA
Favourite genre of music: EVERYTHING
Favourite photographer: yet to be found
Favourite style of art: Nature, Abstract, Animals, People, .....
Operating System: Windows Vista
MP3 player of choice: which ever one is fully charged
Shell of choice: o_0???? im not a turtle
Wallpaper of choice: my walls have paint
Skin of choice: if it were shinny id be hapi
Favourite cartoon character: Bugs Bunny
Personal Quote: "B " -madnezz344


text:
In the Matter of
Pryor, McClendon, Counts & Co., Inc.,
|Order Making Findings and Imposing Remedial Sanctions and a Cease-and-Desist Order Against Pryor, McClendon, Counts & Co., Inc., n/k/a Pryor, Counts & Co., Inc.
On April 29, 1999, the Commission instituted public administrative proceedings against Pryor, McClendon, Counts & Co., Inc., now known as Pryor, Counts & Co., Inc. (PMC) pursuant to section 8A of the Securities Act of 1933 (Securities Act) and sections 15(b)(4) and 21C of the Securities Exchange Act of 1934 (Exchange Act).
PMC has submitted an offer of settlement, which the Commission has determined to accept. Solely for the purpose of these proceedings and any other proceedings brought by or on behalf of the Commission or to which the Commission is a party, and without admitting or denying the findings contained in this order (except that PMC admits that the Commission has jurisdiction over it and over the subject matter of these proceedings), PMC consents to the entry of the findings and the institution of the remedial sanctions and the cease-and-desist order set forth below.
The Commission finds the following:1
1. Respondent
PMC, a New York corporation headquartered in Philadelphia, Pennsylvania, is a broker-dealer registered with the Commission pursuant to section 15(b) of the Exchange Act.
2. Summary
This matter concerns a series of federal securities law violations by PMC and two of its principals, and others scheming with them. The first group of violations relates to PMC's handling of the city of Atlanta's portfolio of zero-coupon securities issued by the United States Treasury ("Separate Trading of Registered Interest and Principal Securities" or "STRIPS"). The second group of violations concerns a series of concealed payments and political contributions to public officials and candidates for public office in Atlanta and New York.
As to the violations in Atlanta: From at least March 1992 through April 1994, PMC and others participated in a scheme to defraud the city of Atlanta in connection with the city's purchase and sale of approximately $9.8 billion in STRIPS. Atlanta's investment officer secretly set aside for PMC virtually all of the city's STRIPS business, at a time when PMC was providing substantial, undisclosed monetary benefits to the investment officer and her husband. PMC and the investment officer also churned Atlanta's STRIPS portfolio, generating over $15.3 million in revenue for PMC. Separate from but during part of the same period as the STRIPS trading scheme, PMC also made secret payments totaling $135,000 to an official with the city of Atlanta. At the time of the payments, PMC was seeking and obtaining municipal securities business from the City of Atlanta. (There is no evidence, however, that the official actually influenced the city's selection of underwriters.) By engaging in these activities, PMC violated the antifraud and books and records provisions of the federal securities laws as well as the Municipal Securities Rulemaking Board (MSRB) rule requiring fair dealing (rule G-17).
As to the violations in New York: PMC funneled political contributions through conduits to the campaign organization of a New York City official in May 1994 and a candidate for New York City office in July 1997. After each of these contributions, PMC participated in New York City negotiated bond offerings in violation of the MSRB rules prohibiting pay-to-play (rule G-37) and requiring fair dealing (rule G-17). One month after the 1994 contribution, PMC also violated the antifraud provisions of the federal securities laws by falsely representing to New York City that PMC's employees had made no contributions that would trigger the two-year underwriting ban of rule G-37. Finally, PMC mischaracterized as consulting expenses in its books and records the 1994 and 1997 campaign contributions, as well as a campaign contribution in 1993 to a candidate for New York state office and a payment in 1992 to a New York state official.
3. STRIPS Trading with the City of Atlanta
a. Atlanta's STRIPS Business
From March 1992 to April 1994, the value of Atlanta's securities portfolio ranged from approximately $1 billion to $1.4 billion, with approximately 40 percent to 60 percent of the portfolio consisting of STRIPS. During this period, PMC engaged in approximately $9.8 billion in STRIPS purchases and sales with Atlanta. The city's STRIPS transactions with PMC accounted for approximately 92 percent of the dollar amount of all STRIPS purchased and sold by Atlanta. All or nearly all of Atlanta's STRIPS transactions with PMC were done at the firm's recommendation.
b. Atlanta's Investment Officer Directs
the City's STRIPS Business to PMC
During the relevant period, Atlanta maintained a list of broker-dealers with whom it could engage in securities transactions. On a monthly basis, the city mailed to those broker-dealers a report known as a "swap report." The purpose of the swap report was to inform the broker-dealers of Atlanta's securities holdings so that they could propose securities transactions beneficial to the city. The city's investment officer was responsible for evaluating whether securities transactions proposed by a broker-dealer enhanced the city's portfolio, as well as for buying and selling securities for Atlanta's portfolio.
At some point prior to March 1992, at a time when PMC had sold a substantial amount of STRIPS to Atlanta, the investment officer instructed her assistant to delete from the swap report all references to STRIPS before mailing the swap report to broker-dealers each month. Thereafter, the city's STRIPS did not appear on the swap report mailed to broker-dealers; this virtually eliminated PMC's competition for Atlanta's STRIPS business. However, PMC regularly received an internal city report known as a "security recall report," which showed all of the securities in Atlanta's portfolio. No other broker-dealer received the security recall report. And, with the exception of broker-dealers affiliated with banks where the city safe-kept its securities, no other broker-dealer besides PMC knew of the city's substantial holdings of STRIPS.2
c. PMC Provides Undisclosed Benefits to Atlanta's
Investment Officer and Her Husband
Beginning no later than March of 1992, PMC began to provide financial benefits to the city's investment officer and her husband. In March 1992, PMC funneled through a conduit $30,000 to the investment officer's husband. The investment officer's husband used some of that money to capitalize, and set up office space for, his newly-formed company. From May 1992 until April 1994, PMC subcontracted with the company owned by the investment officer's husband, and paid the company $286,560 for services, $31,044 for expenses, and another $7,642 not designated as one or the other. PMC's payments to the company accounted for nearly all of the company's revenue during that period. In addition to that revenue and the $30,000 payment, PMC gave the investment officer and her husband other gifts of value. Neither PMC nor the investment officer ever disclosed, and the city never learned of, the financial and other benefits that the investment officer and her husband received from PMC.
d. PMC Trading in the City's STRIPS
PMC with others compounded the benefits that the firm received from the STRIPS business set aside for it by engaging in a course of trading that was excessive, improper, and inconsistent with the city's investment objectives, but designed to generate compensation for PMC in the form of markups and markdowns.3 The city's stated investment policy was to pursue "a prudent, yet aggressive investment policy of maximizing investment income while minimizing risk" and to "hold investments until maturity." Yet from March 1992 until February 1994, PMC together with the investment officer caused Atlanta to engage in transactions with PMC that, in the aggregate, neither enhanced the value of the portfolio nor achieved the city's objectives, but instead turned over the STRIPS portion of the city's portfolio 8.6 times (or annually 4.5 times).
PMC caused the city to effect frequent exchanges, or "swaps," of one STRIPS for another STRIPS with a longer or shorter maturity. Generally, these series of STRIPS-for-STRIPS exchanges merely increased, then decreased, back and forth, the maturities of the STRIPS within a narrow range of short-term maturities. That course of trading provided PMC with at least $15,301,017 in revenues from markups and markdowns charged on the STRIPS transactions. The trading, however, provided no benefit to Atlanta, but instead materially diminished the city's investment returns, essentially through unnecessary transaction costs in the form of markups and markdowns received by PMC.4
4. Concealed Payments and Contributions
a. PMC Uses the Conduit to Make Payments
to an Official of the City of Atlanta
Separate from but during the same period as the STRIPS trading scheme, PMC made secret payments to an official of the city of Atlanta. From December 1992 to August 1993, PMC funneled $135,000 to the Atlanta official through a company owned by the same conduit PMC used to funnel money to the husband of Atlanta's investment officer. PMC made the payments in four installments, recorded as professional fees paid to the conduit's company. With each of the four installments, PMC made a payment to the conduit's company, which, in turn, made an identical or similar payment close in time to the official's firm. During the period of the payments, PMC pursued and obtained underwriting business from Atlanta. (There is no evidence, however, that the official actually influenced the selection of underwriters by the city.)
b. Concealed Political Contributions
after Rule G-37 took Effect
In the early 1990's, New York City selected a slate of underwriters to underwrite all of its negotiated bond offerings during a two-year period. In May 1994, while PMC was a member of the existing slate but shortly before the selection of underwriters for the next two-year slate, PMC funneled, through the same conduit that PMC used in Atlanta, a $10,000 contribution to the campaign organization of an official of New York City. On May 20, 1994, a PMC principal drew a $10,000 "loan" from PMC and wrote a personal check to the conduit for $10,400. On or about that same date, the conduit deposited that check into his personal checking account, and wrote a $10,000 check to the official's campaign organization.
Approximately one month after making the $10,000 contribution, PMC submitted a proposal to serve as an underwriter for the city's negotiated underwritings for the next two years. The proposal, submitted with a cover letter signed by a PMC principal, addressed conflict-of-interest questions that New York City had posed in its request for proposals. Notwithstanding the $10,000 contribution, PMC's proposal stated that:
In light of the recent action of the MSRB and the SEC in promulgating MSRB Rule G-37 which is founded upon conflict of interest concepts, PMC wishes to advise you of certain facts regarding political contributions. Prior to adopting a voluntary ban on all political contributions in December 1993, PMC did contribute to the election campaigns of a number of state and local New York political figures. In December 1993, however, PMC adopted a voluntary ban prohibiting all firm employees from making political contributions at the state and local levels and from soliciting contributions from outside parties. This voluntary ban remains in effect.
Following the submission of PMC's proposal, New York City selected PMC to serve on the city's slate of underwriters for negotiated bond offerings for the next two years. Between July 1994 and March 1996, PMC served as a co-manager or co-senior manager on more than $8.3 billion in New York City negotiated underwritings.
Three years later, a PMC principal made $750 in contributions, before the primaries, to a candidate for New York City office by way of three money orders made to appear as if they were from persons other than the PMC principal. In early July 1997, the PMC principal gave his administrative assistant $750 in cash, told her to purchase three separate money orders, and told her to make them payable for $250 each to the candidate's campaign. The PMC principal instructed his assistant to make out one of the money orders as if it were from the assistant herself, and to make out the other two as if they were from the wife of a PMC employee and a friend of the PMC principal. The PMC principal then caused those money orders to be delivered to the candidate's campaign together with the PMC principal's own personal check for $250. Within a week, the campaign returned (undeposited) two of the money orders (the money orders in the assistant's name and in the PMC principal's friend's name). The PMC principal instructed his assistant to deposit the returned $500 into PMC's bank account, which she did. In the 21 months thereafter, PMC participated as a co-managing underwriter in more than $4 billion of New York City negotiated bond offerings.
In total, PMC received between approximately $270,000 to $300,000 in management and other fees for serving as co-senior manager and co-manager on New York City negotiated bond offerings during the two-year periods immediately following the 1994 and 1997 contributions.
c. PMC Makes Secret Payment to a New York State
Official and Concealed Political Contribution
to a Candidate for New York State Office
Finally, PMC failed to keep accurate books and records in connection with the 1994 and 1997 campaign contributions described above, as well as two other payments made through the conduit mentioned above. In September 1992, PMC wrote a $12,000 check to the conduit, which was mischaracterized on the firm's books and records as a "consulting expense." On the same day and from the same account in which the PMC check was deposited, the conduit wrote a $12,000 check to a New York state official.
The following year, in April 1993, PMC funneled a $2,000 contribution through the conduit to the campaign organization for a candidate for New York state office. The PMC principal wrote a PMC check for $2,000 to the conduit, dated April 29, 1993, with the misleading notation, "house repair." The following day, the conduit deposited the check into his personal bank account. By check dated April 29, 1993, the conduit's company made a $2,000 contribution to the candidate's campaign organization. Again, PMC mischaracterized the payment in its books and records as a "consulting expense."
1. Violations Related to the City of Atlanta's STRIPS Transactions
Section 10(b) of the Exchange Act and rule 10b-5 thereunder prohibit the use of schemes, practices or courses of business that operate as frauds, or the making of material misrepresentations or omissions, with scienter, in connection with the purchase or sale of securities. Section 17(a) of the Securities Act prohibits similar conduct in the offer or sale of securities, but under certain circumstances does not require a showing of scienter. Both knowing and reckless conduct establishes scienter. Rolf v. Blyth Eastman Dillon & Co., 570 F.2d 38, 46 (2d Cir. 1978), cert. denied, 439 U.S. 1039 (1978).
PMC and others participated in a scheme to defraud the city of Atlanta in connection with the city's purchase and sale of securities.5 Atlanta's investment officer set aside substantial securities business for PMC, and funneled virtually all of the city's STRIPS business to PMC, at a time when the firm was providing substantial monetary benefits to the investment officer and her husband. Both PMC and the investment officer concealed the elements of the scheme from Atlanta. As a result of the scheme, and through PMC's and the investment officer's joint control of Atlanta's portfolio, PMC was able to engage in excessive STRIPS trading in Atlanta's portfolio, harming the city and generating over $15.3 million in revenue for PMC. PMC therefore violated section 10(b) of the Exchange Act, rule 10b-5, and section 17(a) of the Securities Act.
a. PMC's Failure to Disclose Material Information to Atlanta
PMC violated its duty as a broker-dealer to deal fairly with its client, consistent with industry practice. The violation occurred when PMC failed to disclose the actual and potential conflicts of interest it created by its business and financial relationship with the investment officer and her husband.6 The Commission has held that a broker-dealer has a duty to disclose to its customer information indicating that the customer's agent is engaged in fraud with respect to the customer's investments.7 In failing to make that disclosure, the broker-dealer shares in the agent's liability to the customer with respect to any transactions involving the broker-dealer. Id. This duty is clearest when the broker-dealer's own relationship with the customer's agent is the cause of the agent's faithlessness.8
PMC was required to disclose to Atlanta all material facts concerning its business and financial relationship with the investment officer and her husband. These facts included that the firm had (1) an ongoing business and financial relationship with the investment officer's husband, (2) provided the investment officer's husband with $30,000 to start his business, and (3) provided the investment officer and her husband with valuable gifts.9
b. Churning of the Atlanta STRIPS Portfolio
Having obtained virtually all of Atlanta's STRIPS business during the period of the scheme, PMC with others then churned the STRIPS portion of Atlanta's portfolio. Churning refers to excessive turnover in a controlled securities account for the purpose of increasing the amount of compensation received by a broker-dealer. See, e.g., Armstrong v. McAlpin, 699 F.2d 79, 90 (2d Cir. 1983). Proof of churning requires a showing (1) that the churner had either explicit or de facto control over trading in the account, (2) that trading in the account was excessive in light of the investor's objectives, and (3) that the churner acted with scienter. See, e.g., Miley v. Oppenheimer & Co., 637 F.2d 318, 324 (5th Cir. 1981); In re Donald A. Roche, Exchange Act Rel. No. 38741 (June 16, 1997), 64 SEC Dkt. 2042, 2048.
First, PMC shared control of Atlanta's securities accounts by engaging in a scheme to defraud Atlanta with the city's investment officer-the city employee with authority to trade Atlanta's securities portfolio. That shared control rendered PMC liable for purposes of churning analysis. 10
Second, PMC with others turned over the STRIPS portion of Atlanta's portfolio at an annual rate of approximately 4.5. Excessive trading under the securities laws is not measured against some "magical per annum percentage" that establishes per se excessiveness. In re Gerald E. Donnelly, Exchange Act Rel. No. 36690 (Jan. 5, 1996), 61 SEC Dkt. 47, 51. Instead, excessive trading is determined based on the investment objectives of the customer.11 The turnover of Atlanta's STRIPS portfolio exceeded the city's investment objectives and was inconsistent with the city's stated policy of "maximizing investment income while minimizing risk" and holding "investments until maturity." PMC's frequent selling, then re-buying, of STRIPS back and forth within a narrow range of short-term maturities provided no benefit to Atlanta but instead diminished the city's investment returns. See In re Russell Irish, 42 S.E.C. 735, 736 (1965) (churning found in frequent switching back and forth between mutual funds or between different series in the same mutual fund). While harming the city, the trading enriched PMC, generating over $15.3 million in revenue for the firm.
Third, PMC knew or was reckless in not knowing that the turnover it, with others, caused of Atlanta's STRIPS was inconsistent with the city's investment objectives, provided no benefit to Atlanta, and generated revenue for the firm at Atlanta's expense by diminishing the city's investment returns.
2. Violations Concerning Concealed Payments and Contributions
By violating the MSRB rules discussed below, PMC violated section 15B(c)(1) of the Exchange Act.12
a. Concealed Payments to Atlanta City Official
PMC's undisclosed payments to the city of Atlanta official at a time when the firm was seeking and obtaining municipal underwriting business from Atlanta created an actual or potential conflict of interest for the firm.13 PMC's failure to disclose to Atlanta the payments, and the actual or potential conflicts created thereby, violated MSRB rule G-17. Id.14
b. Concealed $10,000 Contribution to New York City Official
Likewise, PMC violated MSRB rule G-17 by funneling the $10,000 contribution through a conduit to the New York City official at a time when the firm was seeking and obtaining municipal underwriting business from the city. The firm also violated MSRB rule G-37 because of the amount of the contribution and concealed manner in which it was made.15
The $10,000 contribution triggered rule G-37(b)'s ban forbidding PMC from underwriting New York City negotiated bond issues for two years.16 By underwriting New York City negotiated bond offerings during the two years after the contribution, PMC violated MSRB rule G-37(b). By using the conduit to make the contribution, PMC also violated MSRB
rule G-37(d), which prohibits broker-dealers from violating rule G-37(b) through other persons or entities.17 Finally, PMC violated rule G-37(e) by failing to disclose the contribution in its quarterly report to the MSRB.
PMC also violated the antifraud provisions of the federal securities laws in connection with the $10,000 contribution. When addressing conflict-of-interest questions posed by New York City, PMC wrote that since December 1993 the firm and its employees had in effect a voluntary ban on employees' political contributions to state and local officials. In the context in which those statements were made, PMC's failure to disclose the $10,000 contribution was misleading. Under the circumstances, materiality lies in the fact that the contribution had the effect of statutorily barring PMC from underwriting the city's negotiated bond offerings for two years, something a reasonable issuer would have wanted to know when selecting underwriters. The misrepresentation sufficiently touched on the sale of New York City's securities to satisfy the "in connection with" requirement of section 10(b) of the Exchange Act and rule 10b-5, because the misrepresentation bore directly on the city's decision concerning to whom it would sell its securities.18 Finally, PMC knew or was reckless in not knowing that the funneled payment and its failure to disclose it operated as a fraud or deceit on the city.
c. Concealed Contributions to Candidate for New York City Office
In July 1997, PMC again violated MSRB rules G-17 and G-37 by making secret contributions to the campaign of a candidate for New York City office by way of three money orders in other persons' names. As a resident of New York City, rule G-37 allowed the PMC principal to contribute $250 to the candidate's campaign in the primary and in the general election, for a total of $500 during the election cycle. However, rule G-37 limits contributions to $250 before the primary, with an additional $250 allowed after the primary for the general election. MSRB Interpretations, published in MSRB Manual (CCH) ¶ 3681, at 5455 (April 1997). The PMC principal exceeded the $250 limit for the primary by making a $250 contribution with a personal check and making $750 in contributions through money orders made to appear as if they were from other people.19 This triggered the two-year ban of rule G-37. But again PMC participated in underwriting New York City negotiated bond offerings. As a result, PMC violated MSRB rule G-37(b). The ban was triggered, and the violations occurred, even though the candidate subsequently lost the election.20
When PMC delivered three money orders to the campaign along with the PMC principal's own check, PMC also violated MSRB rule G-37(c) by coordinating contributions during a period when PMC was engaged in municipal securities business with New York City.21 Finally, PMC failed to disclose the $750 in contributions in its quarterly report to the MSRB, and thereby also violated MSRB rule G-37(e).22
d. Violations of Books and Records Provisions
PMC, as a registered broker-dealer, was required by section 17(a)(1) of the Exchange Act and the rules promulgated thereunder to create and maintain books and records that accurately reflect its operations and dealings. Pursuant to section 17(a) and rule 17a-3 promulgated thereunder, PMC was required, among other things, to maintain ledgers or other records accurately reflecting all expense accounts.23 Deliberate falsification of such records violates the Exchange Act's recordkeeping provisions. In re James F. Novak, Exchange Act Rel. No. 19660 (Apr. 8, 1983), 27 SEC Dkt. 1078, 1083.
PMC was also subject to MSRB recordkeeping requirements. MSRB rule G-8 sets out books and records requirements that parallel the Commission's, requiring broker-dealers to maintain, "clearly and accurately," specified books and records concerning their municipal securities business. Moreover, PMC was required by MSRB rule G-8(a)(xvi)(F) to maintain records reflecting all direct or indirect contributions to any official of a municipal bond issuer made by the firm's municipal finance professionals or executive officers.
PMC created and maintained inaccurate books and records with respect to the payments funneled through the conduit to the Atlanta investment officer's husband, an official of the city of Atlanta, a New York state official, and a candidate for New York State office. With respect to
each of those funneled payments, PMC's books and records failed to record the true nature of the payments and characterized them in a misleading manner in violation of Exchange Act section 17(a) and rule 17a-3(a)(2) thereunder, and MSRB rule G-8(a)(x). In addition, PMC failed to make accurate records of the contributions he made to an official of New York City and a candidate for New York City office, in violation of MSRB rule G-8(a)(xvi)(F).
Based on the foregoing, the Commission finds that:
PMC willfully violated section 17(a) of the Securities Act, sections 10(b), 15B(c)(1), and 17(a)(1) of the Exchange Act and rules 10b-5 and 17a-3 thereunder, and MSRB rules G-8, G-17, and G-37.
In view of the foregoing, the Commission finds that it is appropriate and in the public interest to impose the relief agreed to in the offer of settlement of PMC.
Accordingly, pursuant to section 8A of the Securities Act and sections 15(b)(4), 21B, and 21C of the Exchange Act:
1. IT IS ORDERED that PMC be, and hereby is, censured.
2. IT IS FURTHER ORDERED that PMC cease and desist from committing or causing any violations, and any future violations, of section 17(a) of the Securities Act, sections 10(b), 15B(c)(1), and 17(a)(1) of the Exchange Act and rules 10b-5 and 17a-3 thereunder, and MSRB rules G-8, G-17, and G-37.
3. IT IS FURTHER ORDERED that PMC shall pay a civil penalty of $40,000 to be paid within thirty days of the entry of this order.24 Payment shall be: (1) made by United States postal money order, certified check, bank cashier's check, or bank money order; (2) made payable to the Securities and Exchange Commission; (3) hand-delivered or mailed to the Comptroller, Securities and Exchange Commission, Operations Center, 6432 General Green Way, Stop 0-3, Alexandria, VA 22312; and (4) submitted with a
cover letter that identifies PMC as a respondent in these proceedings, and the file number of these proceedings. Copies of each cover letter and money order or check shall be sent to Russell Ryan, Assistant Director, Division of Enforcement, Securities and Exchange Commission, 450 5th Street N.W., Washington, D.C. 20549-0806.
By the Commission.
Jonathan G. Katz
|The findings herein are made pursuant to the offer of settlement of PMC and are not binding on any other person or entity in these or any other proceedings.
|Despite the investment officer's concealment, broker-dealers other than PMC managed to do limited STRIPS business with the city because on occasion the investment officer either sold STRIPS through a dealer other than PMC or a dealer proposed swaps in which it sold STRIPS to the city. After doing one of the latter transactions, the dealer involved then knew that the city owned those particular STRIPS and could then propose subsequent swaps involving those STRIPS.
| When a broker-dealer acts as a principal rather than an agent in a securities transaction with a customer, instead of charging a commission, the broker-dealer receives compensation (1) by adding a markup to the prevailing wholesale market price of the security in a sale to the customer and (2) by subtracting a markdown from the prevailing wholesale market price in a purchase from the customer. In re Lehman Bros. Inc., Exchange Act Release No. 37673 (Sept. 12, 1996), 62 SEC Dkt. 2324, 2330.
4 For example, on March 12, 1993, Atlanta's general pension fund held STRIPS that had a market value that day of $27,389,030 and matured in May 1994. Through a series of STRIPS-for-STRIPS exchanges, PMC caused the city to turn that investment over six times in 194 days, while adding $105 in new money to the investment. At the end of that period, on September 22, 1993, the city held STRIPS that matured in February 1995 and had a market value of $27,525,520. Atlanta received $136,385 in total return from these exchanges, which translates into an annual rate of return of less than 1 percent. However, to effect this series of swaps, Atlanta paid transaction costs to PMC (in the form of markups and markdowns) totaling $491,776-more than 3½ times the city's total return from those swaps.
|A corporation, such as PMC, is liable for the acts of its principals when the conduct is carried out on behalf of the company. See Kerbs v. Fall River Industries, Inc., 502 F.2d 731, 741 (10th Cir. 1974) (corporation liable for securities fraud committed by its president); see also In re Lazard Frères & Co. LLC, Exchange Act Rel. No. 39388 (Dec. 3, 1997), 65 SEC Dkt. 3004, 3012 & n.7 (scienter of firm's principals imputed to firm).
|See SEC v. Feminella, 947 F. Supp. 722, 732 (S.D.N.Y. 1996) (broker's failure to disclose to customer that portion of consideration paid by customer included money that broker intended to provide to customer's agent); cf. SEC v. Scott, 565 F. Supp. 1513, 1527 (S.D.N.Y. 1983) (investor would consider apparent kickback agreement between issuer and underwriter material because the agreement raises inherent conflicts of interest and undermines the independence of the underwriter's investment judgment).
|See In re Moore and Co., 32 S.E.C. 191, 196 (1951) (broker effecting transactions directed by customer's agent without disclosing to customer facts known to broker about agent's self-dealing "was guilty along with [agent] of violations of the antifraud provisions"); In re William I. Hay, 19 S.E.C. 397, 407 (1945) (broker effecting transactions directed by customer's agent without disclosing to customer facts known to broker about agent's self-dealing violated antifraud provisions; noting that customers were victimized by "two agents, one with discretionary power over their accounts acting faithlessly and the other, a broker, knowing of the faithlessness yet claiming to be free of any duties").
| See also In re Thomas D. Pixley, Exchange Act Rel. No. 27316 (Sept. 29, 1989), 44 SEC Dkt. 1462, 1463 (registered representative who schemed with another to influence directing of pension fund investment business to the registered representative violated section 10(b) of the Exchange Act and rule 10b-5); In re E.H. Rollins & Sons, Inc., 18 S.E.C. 347, 385-86 (1945) (broker that provided secret payments to fund fiduciary who provided fund investment business to the broker violated section 17(a) of the Securities Act).
9 Georgia law also imposed on PMC a duty to disclose to Atlanta its dealings with the investment officer. See O.C.G.A. § 23-2-53 (1996) ("Suppression of a material fact which a party is under an obligation to communicate constitutes fraud. The obligation to communicate may arise from the confidential relations of the parties or from the particular circumstances of the case."); Thompson v. Smith Barney, Harris Upham & Co., 539 F. Supp. 859, 864 (N.D. Ga. 1982) (duty to disclose under Georgia law arises "even absent a fiduciary relationship, where there is active concealment" or where one "takes advantage of a party he knows to be laboring under a delusion") (citing Young v. Hirsch, 199 S.E. 179, 184 (1938)).
10 See Smith v. Petrou, 705 F. Supp. 183, 187 (S.D.N.Y. 1989) (proof of scheme between broker-dealer and customer's investment advisor establishes requisite control of broker-dealer for churning liability, even if advisor "alone made the investment decisions."); see also Moore, 32 S.E.C. at 196; William Hay, 19 S.E.C. at 407.
| In other enforcement actions, the Commission has found excessive annual turnover rates of 4.5 and lower. See, e.g., In re Laurie Jones Canady, Exchange Act Rel. No. 41250 (April 5, 1999), 69 SEC Dkt. 1468, 1476 (annual turnover rates ranging from 3.83 to 7.28 held excessive); In re Donald A. Roche, 64 SEC Dkt. 2046-47 (annual turnover rates of 3.3, 4.6, and 7.2 held excessive); In re Gerald E. Donnelly, 61 SEC Dkt. 50-51 (annual turnover rates ranging from 3.1 to 3.8 held excessive).
12 Section 15B(c)(1) states that: "No broker, dealer, or municipal securities dealer shall make use of the mails or any instrumentality of interstate commerce to effect any transaction in, or to induce or attempt to induce the purchase or sale of, any municipal security in contravention of any rule of the [MSRB]."
13 See In re Stephens Inc., Exchange Act Rel. No. 40699 (Nov. 23, 1998), 68 SEC Dkt. 1854, 1866 (municipal securities broker-dealer violated MSRB rule G-17 by failing to disclose financial and other relationships between itself and the fiduciaries of a municipal issuer, because such relationships created actual or potential conflicts of interest).
| Rule G-17 provides that: "In the conduct of its municipal securities business, each broker, dealer, and municipal securities dealer shall deal fairly with all persons and shall not engage in any deceptive, dishonest, or unfair practice."
15 Rule G-37 represents an attempt "to insulate the municipal securities industry from the potentially corrupting influence of political contributions that are made in close proximity to the awarding of municipal securities business." In re Morgan Stanley & Co., Exchange Act Rel. No. 39459 (Dec. 17, 1997), 66 SEC Dkt. 351, 353. The core of the rule, which took effect on April 25, 1994, is that "a firm may not engage in municipal securities business with an issuer for a two-year period if an official of the firm has made a contribution covered by the rule." Id. The rule provides a strict, broad prophylactic, and does not require any evidence of a quid pro quo. See Blount v. SEC, 61 F.3d 938, 942 (D.C. Cir. 1995), cert. denied, 116 U.S. 1351 (1996).
16 Rule G-37(b) provides in pertinent part that: "No broker, dealer, or municipal securities dealer shall engage in municipal securities business with an issuer within two years after any contribution to an official of such issuer made by: (i) the broker, dealer or municipal securities dealer; [or] (ii) any municipal finance professional associated with such broker, dealer or municipal securities dealer [except for contributions not exceeding $250 per election to a candidate for whom the contributor is entitled to vote].
17 Rule G-37(d) provides that: "No broker, dealer or municipal securities dealer or any municipal finance professional shall, directly or indirectly, through or by any other person or means, do any act which would result in a violation of sections (b) or (c) of this rule."
|See Superintendent of Ins. v. Bakers Life & Cas., 404 U.S. 6, 12-13 (1971) (an omission was "in connection with" the sale of securities because it was a "deceptive practice[] touching on the sale of securities."); SEC v. Jakubowski, 150 F.3d 675, 679-680 (7th Cir. 1998) (misrepresentation about buyer's eligibility to purchase securities from an issuer satisfied both "materiality" and "in connection with" requirements of section 10(b) of the Exchange Act and rule 10b-5).
| Even if all three-rather than just two-of the $250 money orders were returned, the two-year underwriting bar of rule G-37 still would have applied to PMC. The MSRB has stated that the bar applies after any contribution that does not meet the de minimis exception and that even if a refund of a contribution is obtained, dealers are still required to seek an exemption from the bar. MSRB Interpretations, published in MSRB Manual (CCH) ¶ 3681, at 5462-63 (April 1997).
20 Rule G-37(g)(vi) specifically includes "candidate" within the definition of persons to whom one cannot contribute without triggering the bar. The MSRB has stated that the rule renders the dealer "subject to the two-year ban on business with the issuer, regardless of whether the candidate wins or loses the election." MSRB Interpretations, published in MSRB Manual (CCH) ¶ 3681, at 5469-70 (April 1997).
|Rule G-37(c) provides that: "No broker, dealer, municipal securities dealer, or municipal finance professional may solicit or coordinate contributions to an official of an issuer with which the broker, dealer, or municipal securities dealer is engaging or is seeking to engage in municipal securities business."
|Rule G-37(e) requires disclosure even of contributions that are returned to the contributor. MSRB Interpretations, published in MSRB Manual (CCH) ¶ 3681, at 5463 (April 1997).
| As a municipal securities broker subject to the net capital requirements of Exchange Act rule 15c3-1, PMC was also required by MSRB rule G-8(a)(x) to maintain books and records specified in rule 17a-3 of the Exchange Act, including ledgers or other records reflecting all expense accounts.
24 In imposing this penalty, the Commission considered the Respondent's inability to pay such a penalty. See Exchange Act Section 21B(d).
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Modified: 02/06/2002


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The Washington County High School Commanderettes, who are coming off a dismal 2-23 season, are about to get a much-needed spark – Saint Catharine College's womens' basketball coach, Lena Bramblett.
She's replacing the Commanderette's last head coach, Mike Holt, who took the reigns for only one season.
Bramblett, who is leaving the Patriots after 15 years, said the switch was an opportunity for her and her family.
By Casey Sowers
Sports correspondent
Jessica Veatch has resigned as the Marion County High School softball coach.
She was hired after the 2014 season to replace Todd Spalding (who is now serving as a circuit judge). During her one season leading the Lady Knights, they finished with a 23-12 record. They were also the 20th District runner-up and advanced to the 5th Region tournament, where they lost to eventual regional champion Central Hardin.
Veatch submitted her resignation after the season.
The 2015 softball season has ended well for the Marion County Lady Knights as they finished with a 22-12 record. The Lady Knights were the runner-up in the district tournament and made a trip to the 5th Region tournament.
The Lady Knights also played in three tournaments this season: the Meade County T.S.O.A tournament, the Russell County Lady Laker Classic, and the Elizabethtown Spring Break Classic, where they placed second overall.
Marion County basketball player, Haeli Howard was invited to the EBA (Elite Basketball Academy) Super 64 Girls Camp hosted in Lawrenceville, Georgia, June 6 and 7.
"I was invited over Twitter by Brandon Clay, a recruiter/scout for this camp, after one of our tournaments," Howard said.
To all athletes and parent of athletes, there will be a 2015-2016 MCHS Athletics Orientation at 6:30 p.m. July 14 at the MCHS gym or cafeteria.
Farmers National Bank sponsors the orientation. All athletes who attend will receive a free t-shirt.
Highlights of the orientation include: the MCHS Athletic Sports Booklet, athlete physical requirements, KHSAA updated physical forms, and school policies and conduct.
By Nathaniel Bryan
Landmark News Service
After hitting a season-high four home runs in their 17th District Tournament championship rout, the Central Hardin Lady Bruins were kept mostly inside the park May 27 by the Marion County Lady Knights.
It still didn't matter.
While the Lady Bruins (32-7-1) are known for their big bats, they're quite adept at playing small ball, too.
On May 30, the Lebanon Middle School Patriots football team traveled to Campbellsville University to play in a Seven-on-Seven Passing Tournament.
"It was the first time the kids have ever participated in something like this, it was a new and fun experience for them," LMS Coach Tom Sullivan said.
The Patriots played Drake and beat them, 20-16, and they lost to Lexington Catholic, 22-16, and Northern Pulaski, 26-20.
Three members of the Marion County track team traveled to the Shively Track and Field Complex at the University of Kentucky on May 20 to compete in the Class 2A state track meet.
Junior Meredith Bartley, and sophomores Cameron Nalley and Dylan Bradshaw represented Marion County.
Bradshaw was the only track member that made it to the finals and placed third in Class 2A in the pole vault.
The Marion County Lady Knights softball team hosted the Taylor County Lady Cardinals, the Adair County Lady Indians, and the Campbellsville Lady Eagles for the 20th District Tournament.
On May 19 the second-seeded Lady Knights reached the district championship game by defeating the Lady Eagles, 2-1, to advance to the championship game the next night. The Lady Knights were the 20th District runner-up after losing to the top-seed, Taylor County, 3-1 on May 20.
On May 19, the fourth-seeded Marion County Knights lost to the number one seed, the Adair County Indians, 3-1, in the 20th District tournament at Dave Hourigan Field.
The Knights took an early lead when Andrew Spalding crossed home in the top of the third inning. Marion County held the lead until the Indians stepped up to score two runs in the bottom of the third inning.
Copyright © 2019
The Lebanon Enterprise is your source for local news, sports, events, and information in Marion County and Lebanon, KY, and the surrounding area.


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Following their marriage, Ian (Dylan Moran) and Lisa (Charlotte Coleman) move back to the village where she grew up, a village still dominated by her family. In order to try to fit in, Ian takes a job as the village photographer, a profession for which he is not really cut out.
Add this show to your queue to receive more information about
How Do You Want Me? and we will let you know when it becomes available.


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A Masters and a Mom
A mom with a masters degree learning about raising a family.
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A Masters and a Mom is a PR friendly blog. I am open to testing out and reviewing just about any product or service that would benefit me or the family. I would love to give my friends, family and readers a "fresh inside view" of products and helping them find great products for their households. I believe promotion is a huge part of a successful business and would be excited to boost your business. Please complete the contact me form.
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Advanced SearchInterview: Dr. Soma Ganeson: AMSSA Multicultural Health Fair 2005 (video). Vancouver : Affiliation of Multicultural Societies and Service Agencies of BC (AMSSA), 2005.
Dr. Ganeson discussed the evolution of mental health servics in Vancouver and the challenge of providing accessible, inclusive services at the 2005 Multicultural Health Fair, Vancouver.
Source: Viewed on:October 13, 2008|Retrieved from the AMSSA website: www.amssa.org
Tags: Canada • festivals • health • Vancouver • videoclips
Categories: Uncategorized


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Economic Update — Retail Winners, Retail Losers
- Mar 11, 2009
As the recession grinds on, the retail world seems to be dividing more clearly than ever into winners and losers. Or maybe that should be a three-part division: über-winner Wal-Mart, relative winners and serious losers. As reported previously by CPN, Circuit City closed its doors forever last weekend, and thus became an example of a major loser. But does that make its rival and one-time electronics upstart Best Buy a winner? Wall Street, at least for the moment, thinks so. Best Buy shares, enjoying various upgrades by rating agencies, far outpaced the general upward movement of share prices on Tuesday by gaining 13.51 percent. The company's stock performance since the beginning of 2009 is still down about 12 percent, though not too many other companies can claim upward movement of their stocks during the year, so that might count as a relative winner. Another distinct loser in the retail realm is Iridesse, a small group of stores specializing in pearls owned by Tiffany & Co., which announced Tuesday that it's pulling the plug on the chain. With only 16 stores, the closings won't leave a lot of large vacant spaces in a lot of malls, but rather some small upscale holes in upscale places, such as the Pier Shops at Caesar's in Atlantic City, Tyson's Galleria in McLean, Va., the Town Center at Boca Raton, and Westfield Century City in Los Angeles. Tiffany's made its foray into pearl shops in 2004, when the retail world was an altogether different place. The market for pearl-oriented bling just isn't what it used to be, it seems, and not even First Lady Michelle Obama's choice of a double-string pearl necklace for her official portrait is going to change that. Did the stock market find its bottom early this week, or was it the latest bounce of a dead-cat variety for the indices? Time will tell, but for the moment the upsurge on Tuesday was the largest for the Dow Jones Industrial Average since November, with the index up 379.44 points, or 5.8 percent. The S&P 500 gained even more in terms of percentage, up 6.37 percent, and the Nasdaq did best of all, up 7.07 percent. Which could well mean that Wednesday will see the investing herd turn around and sell. Five times so far this year the Dow has gained more than 200 points in single session, and each time it lost it all the very next day. Apparently driving the upward sentiment on Tuesday was Citigroup, which had the word "profit" associated with it, something that hasn't happened in a while. According to the much-pilloried CEO Vikram Pandit in a letter to employees, the bank made money in January and February, and was on track to make $8.3 billion for 1Q09. So there's a glimmer of hope that the 36 percent stake the American people own in the company might someday amount to something.


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HH Savings Bonds
Current Interest Rate for HH Bonds: 1.50%
HH Bonds are no longer available by exchange from E/EE Bonds as of August 31, 2004
History of the HH Savings Bond
Series HH bonds were originally offered on January 1, 1980, to replace Series H bonds, which were withdrawn from sale. Series HH bonds were not sold for cash. They were available in exchange for Series EE bonds, Series E bonds, and Savings Notes whose final maturity date was not more than one calendar year earlier than the issue date of the Series HH bond.
The proceeds of matured Series H bonds could have been reinvested in HH bonds as well.
Series HH bonds were issued only in registered physical form and are not transferable.
Also called 'current income bonds', a holder receives interest payments every six months since the date of issue.
Denominations: $500, $1,000, $5,000, and $10,000
Minimum Exchange from E/EE bonds was $500.
Issued from January 1980 to August 2004 at 100 percent of the face amount.
HH Savings Bond Maturity Rules
HH savings bonds will each final maturity twenty (20) years from their date of issue.
An HH Savings Bond is worth its face value at cash-in. The interest from HH Savings Bonds is paid directly into a savings or checking account on record by the Treasury Department.
Series HH bonds have an original maturity period of 10 years and have been granted one 10-year extension of maturity with interest, bringing their final maturity to 20 years.
HH Savings Bond Interest Rules
Interest on Series HH bonds issued on or after October 1, 1989, is paid electronically through the Automated Clearinghouse (ACH) to the registered owner or co-owner's account at a financial institution.
For HH bonds issued before October 1, 1989, interest may be paid through ACH or by check.
HH Bonds pay interest at a fixed rate, which is determined on the day you purchased your bond for the first 10 years. After this period, these bonds automatically enter into a ten year extension and will assume a new guaranteed rate.
Interest is paid semi-annually beginning six months from the issue date. Interest ceases at final maturity.
If a Series HH bond is redeemed before final maturity, interest ceases as of the end of the interest period preceding the date of redemption. If the redemption date falls on an interest payment date, interest ceases on that date.
Deferred Tax Rules for HH Savings Bonds
The most compelling advantage of the HH bond is that the interest income from E, EE and SN/FS was deferred for up to twenty additional years.
The interest that was rolled over from the E, EE, or SN/FS MUST be reported when the HH bond is cashed in, or reaches final maturity, whichever occurs first.
Interest that is paid semi-annually on Series HH bonds is reportable (subject to) Federal income tax purposes in the year in which it is received. Interest is exempt from state and local taxes.
How to Cashin HH Savings Bonds
HH Savings Bonds can be cashed in at most banks. Simply call your bank before going to cash it in just to be sure.


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MAC Haul!
Hey lovelies!
Remember I promised a MAC haul, here it is!
I didn't buy this myself, it was a gift for my mom. I just stole it from her and now they're mine! I have never used MAC products before, so it's going to be the first time trying them on. I'm really excited!
I just realized I should have turned the lipstick so you could see its color, oops….
The products in this haul are:
MAC Lipglass Ruby Woo:
MAC Cherry Lipliner
MAC Retro Matte Lipstick Ruby Woo
MAC Nail Polish Flaming Rose
So, I tried to do a swatch thing and it's really funny, because all of the shades are exactly the same, so you can't really see the difference….


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Download Fantastic Four HD.Full Movie Fantastic Four Online Streaming with duration 106 Min and broadcast on 2015-08-07 and MPAA rating is 321.
- Original Title : Fantastic Four
- Movie title in your country : Fantastic Four
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Planning a wedding ceremony and reception is an exciting and emotional experience. It is very easy to fall in love with the first venue you see, get overly excited, and sign a contract. While it might not seem like a big deal, chances are pretty good you did not consider all of the logistics associated with planning a wedding through this approach. You really need to ask yourself the following questions:
- How many guests will you have?
- What season are you getting married?
- What type of day are you having the reception?
- Do you need to make special accommodations for any of your guests?
One big question you need to consider is – should you really book a wedding venue before you have a guest list or should you have a count of who is coming before looking for North Jersey wedding venues? For obvious reasons, it is not easy to get a guest count just a few weeks into the preparation and planning of your wedding, but it also isn't easy to book a wedding venue if you have no idea how many people are coming.
Truthfully, a full count is not necessary before booking a wedding venue. However, there is a huge difference between having 60 guests and having 300. Reach out to your friends and family members. Just tell them you need a general idea of how many people are interested in coming to your wedding. Having a rough idea of how many guests you might have will allow you to cross some potential North Jersey wedding venues off your list simply because they won't have enough room for your guests. Fortunately, the Richfield Regency accommodates weddings large and small, from 50 guests to 350 guests.
Despite the fact that making wedding plans tends to be one of the most self-absorbed times in a person's life, it is vital to consider your guests. The last thing you want to do is find yourself in a situation where your great uncle can't come inside because you forgot he was in a wheelchair and booked a place without wheelchair accommodations.
The Richfield Regency proudly caters weddings, nearby to the following areas:
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For more information about one of the premiere North Jersey wedding venues, call Richfield Regency at (973) 239-6234.


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