text:
By now, most Americans know about the desire of GM management and labor unions to have the taxpayers give them billions of dollars. The plan is to keep the Detroit automobile manufacturers going for a while longer. Not even the staunchest advocates of the Detroit bailout believe that giving them billions of dollars will yield any permanent results; everybody plans to re-visit the issue next year.
GM and the UAW find themselves in this position because of a long history of lavish pay and benefit packages for union workers - twice the labor costs of the competition and about three times the non-automotive labor cost. Although there's been a lot of complaint about high-paid managers, there are relatively few of these high-paid people. Plant-floor workers don't get paid as much as the executives, but there are a whole lot more of them. In the grand scheme of things, plant-floor labor cost matters a whole lot more than executive pay but that fact gets lost in the yelling and screaming about making workers sacrifice their livelihoods.
The desire to provide workers with a dignified old age via some sort of pension is a noble and humanitarian impulse, but UAW-type pensions simply aren't practical given that people are living so much longer than expected. The way GM pensions work out, people receive pensions for longer than they worked. One way to look it this is to assume that if people collect pensions for only as long as they work, their actual productivity while working is cut in half. Since the company has to pay the worker one year of retirement for every year of work, their actual productivity in terms of work done per dollar of wages and benefits is cut in half. How well would our economy work if every worker's productivity were cut in half? That's the bottom-line, long-term effect of UAW-style pensions - productivity is cut in half and our lifestyle will suffer.
People are expected to continue living longer and longer unless government regulations make medical research unprofitable. This immense pension cost has driven GM to the point of bankruptcy and makes it impossible to operate the business at a profit even if government continues to shovel billions of tax dollars to Detroit.
As vast as the problems of GM are, and as great the potential damage to our economy should it finally collapse, however, GM's problem with the cost of pensions is nothing compared to the pension problems at all levels of American government.
While GM was mortgaging its future to retiree pensions and health care, politicians were doing the same thing by awarding unaffordable pensions and health care to public employees. The difference was that while the UAW was not able to force GM to fire managers who wouldn't give the UAW what it wanted, public employee unions could and did vote politicians who didn't cave on pensions out of office. As a result, New York City employees have been promised pensions which are even more generous than GM's.
The book While America Aged by Roger Lowenstein (New York, Penguin Press, 2008) gives some numbers on page 140. In 2005, the New York City Actuary noted that the city transit system contributed $381 million, or 14% of payroll, to pensions; this was expected to reach $620 million by 2009. Medical costs in 2005 were an additional $410 million. It's interesting to compare these numbers with income tax which runs roughly 30% of payroll. Health care and retirement each cost more than income tax.
The rest of the city was no better off; the fire department paid $490 million in health-care costs, for example. Health care for retired fire workers has been rising fast enough that the taxpayers will soon be paying more for all the retired fire fighters than for all the working fire fighters!
During the recent financial boom, New York City made enough money from income taxes paid by high-flying Wall Street workers that they were able to meet these obligations. Then 2008 happened. With Wall Street bonuses a matter of history and the state facing a corresponding shortfall in income tax receipts, these expenditures are simply not sustainable.
There's a fatal flaw in offering benefits 20, 30, or 40 years out - nobody knows what economic conditions will be like when the bills come due. Consider social security. Although the law called social security an insurance program, courts have repeatedly declared it to be a welfare program because Congress can change the benefits at any time. Even if it were an insurance system, there'd be no money in it because our legislators have spent the entire fund, leaving only treasury IOU's; they simply won't leave the money alone. In its greatest high-profit days, GM wasn't able to put enough money aside to fund its pensions. New York City couldn't either. California has been tapping into its employee pension fund, CALPERS has lost a quarter of its value since June and is talking about demanding additional contributions. New Jersey is billions of dollars in the hole yet Gov. Jon Corzine wants county and municipal governments to skip more than $500 million in pension payments to avoid higher property taxes. In an article "The Land of Liabilities," the Economist lists immense unfunded pension liabilities in many states. Maine and New Hampshire have raided the teacher's retirement fund for current expenses, and so on. The overall situation is serious enough that some Congresspersons are calling on government to nationalize everyone's private 401(k) retirement accounts to try to paper over the holes in the public pension problem by snatching private retirement savings.
We see that a) most of the public and private pension systems are under-funded, the money simply isn't there; and b) even if the money were there, what could it be invested in which won't get confiscated or misallocated by government action over a 40 year period? As a nation, as companies, and as individuals, we're trapped between a rock and a very hard place indeed.
So how are all these pension claims going to be paid?
The Economist article ends, "Taxpayers will have to ante up. The main question is when, and how much." There are only two choices: a) pensions won't be paid or b) taxes will go through the roof, collapsing the economy and eventually resulting in (a). Our lawmakers don't dare raise taxes nearly enough to fund the pensions they've already promised, but that doesn't stop them from promising more, regardless of party. George W. Bush, supposedly an arch-conservative, pushed through the largest entitlement expansion of all time in the form of his Medicare drug bill. People we've talked to say, "There's no way this won't be paid, it's protected by law!" No matter what the law says now, however, when pensions start to eat up, say, half of everyone's income, voters will instruct their elected representatives to change the law. There'll be a massive train wreck between taxpayers, public employee unions, and retirees; the longer it's delayed, the worse it will be.
The discussions about bailing out Detroit have inspired state and city governments to ask for bailouts, too. The GM bailout is all about protecting workers' pensions; there is simply no way that any profit-making company can cover the cost of operating an automobile business and pay such generous pension obligations at the same time. Even governments which don't have to make a profit and which cavalierly exact taxes at gunpoint are finding it impossible to keep up with their pension obligations.
Tennessee's Sen. Corker was correct in pointing out that unless the UAW accepts cuts in labor costs which get close to labor costs at Toyota, Honda, and the other transplants - which is to say, having their pay and pensions slashed roughly in half - there's no way any amount of money can do anything more than postpone the inevitable collapse of GM, at vast public expense.
When a private firm goes bankrupt, its pensions are dumped on an agency of the federal government, called the Pension Benefits Guaranty Corporation (PBGC). This agency uses taxpayer dollars to make sure retirees continue to receive a minimum level of benefits, but not nearly as much as they were promised; it usually cuts pensions in half. Even after such a severe pension haircut, so many airlines have dumped their pensions that this agency is well under water.
Lacking the same power to threaten confiscation or print more money, New York State's taxing authority has not been able to handle the cost of meeting its pension obligations while maintaining public services during the downturn; cuts are projected. Could any force other than bankruptcy or acute poverty give New York the strength to stand up to the unions and cut costs? Obviously not; bankruptcy or poverty it shall be, perhaps both. Just the other week we saw an astonishing list of new taxes to clobber New Yorkers when they can least afford it; anyone familiar with the Laffer Curve will not be surprised when these egregious exactions fail to raise the revenue intended and drive still more businesses and residents across the river to more reasonable jurisdictions.
Some politicians are beginning to catch on. New York's Gov. David Paterson called for reduced pension benefits because of budget problems, saying, "We've made too many promises and asked for too few sacrifices. We're going to have to change our culture as we know it." He has the right idea, but one wonders how long New York would tolerate a transit or garbage strike? Nearly a hundred years ago, London suffered a railway strike; the commuters saw this as an opportunity for train-lovers to finally try their hand at running locomotives. Service carried on, more or less, under the hands of amateurs. The famous author C.S. Lewis reported there being "surprisingly few accidents," but one shudders to think of what OSHA would think of such a solution.
It's clear that lifetime pensions of the GM or New York City form are simply unsustainable; there's no way we can afford the loss of productivity implied by having workers collect pensions, which can be close to their final pay levels, for more years than they spent working. Even with city taxes that are high enough to drive many citizens to move elsewhere, neither New York City nor California are able to fund a pension system that covers only a few; GM can't make enough money to fund its pension obligations either.
Neither private business sales nor public taxation authority are able to fund pensions and health care for even a fraction of the overall population. How do we expect the Federal government to be able to handle pensions and health care for the entire population - particularly if they've already spent the "Full Faith and Credit of the United States" to prop up ill-advised pension promises made to the lucky few? How democratic is it to take Joe the Plumber's money to fund a UAW worker's early retirement?
We have to go back to the traditional means of social security - not because we want to, but because it's the only road left. There is only one investment that's likely to hold value over a 50 year period without government stealing it, and that's children. In the past, old people were cared for by their children; in some countries, it's a crime for children not to take care of their parents.
The men who designed the Social Security system deliberately set out to break the bonds between generations so that people would have fewer children, but they overdid it: our birth rate has plummeted, and uneducated illegal immigrants working for starvation wages in sweatshops aren't going to pay the difference. When the real crash comes, and nothing can stop it, old people who don't have enough children to care for them will be SOL. There's going to be a great many childless yuppies wishing, in their old age, that they had someone to care for them; or, God forbid, standing beside them bearing arms.
Why Does Your Devalued Home Have Such a High Tax Rate?
Being a pastor and having a wife that works with the elderly your point on childless families and retirement is right on. Even today we are seeing seniors that are slipping through the cracks, and are struggling to get some basic services that families once provided. Even more disturbing is the mindset of some children to abandon their parents to the system because of inconvenience. We at the church have prepared some basic services for our widowed people, but if a full-scale collapse hits everything will be overwhelmed. The Worse thing of all is that our city, state and federal governments seem to be if not blind then criminally ignorant to what is happening.
"... In 2005, the New York City Actuary noted that the city transit system contributed $381 million, or 14% of payroll, to pensions; this was expected to reach $620 million by 2009. Medical costs in 2005 were an additional $410 million. It's interesting to compare these numbers with income tax which runs roughly 30% of payroll. Health care and retirement each cost more than income tax."
If 14$ of payroll is $381M then payroll is $2.72B and 30% of that is $816M. Neither health care ($410M) or retirement ($381M) is more than income tax($816M).
Also, the statewment, "...if people collect pensions for only as long as they work, their actual productivity while working is cut in half" misuses its terms as badly as it mangles its arithmetic. "Productivity" is universally understood to be the work done per hour, not work performed per dollar paid, and even if that malapropism is excused the cost per hour of a pension would only equal the cost per hour of the wage under much more limited assumptions about how the contributions and payout are made than that the terms of work and retirement are equal. That the pensions are excessive (and underfunded) may very well be true, but the claim made is arithmetic ignorance on stilts.

tokenized:
By now , most Americans know about the desire of GM management and labor unions to have the taxpayers give them billions of dollars . The plan is to keep the Detroit automobile manufacturers going for a while longer . Not even the staunchest advocates of the Detroit bailout believe that giving them billions of dollars will yield any permanent results ; everybody plans to re - visit the issue next year .
 GM and the UAW find themselves in this position because of a long history of lavish pay and benefit packages for union workers - twice the labor costs of the competition and about three times the non - automotive labor cost . Although there 's been a lot of complaint about high - paid managers , there are relatively few of these high - paid people . Plant - floor workers do n't get paid as much as the executives , but there are a whole lot more of them . In the grand scheme of things , plant - floor labor cost matters a whole lot more than executive pay but that fact gets lost in the yelling and screaming about making workers sacrifice their livelihoods .
 The desire to provide workers with a dignified old age via some sort of pension is a noble and humanitarian impulse , but UAW - type pensions simply are n't practical given that people are living so much longer than expected . The way GM pensions work out , people receive pensions for longer than they worked . One way to look it this is to assume that if people collect pensions for only as long as they work , their actual productivity while working is cut in half . Since the company has to pay the worker one year of retirement for every year of work , their actual productivity in terms of work done per dollar of wages and benefits is cut in half . How well would our economy work if every worker 's productivity were cut in half ? That 's the bottom - line , long - term effect of UAW - style pensions - productivity is cut in half and our lifestyle will suffer .
 People are expected to continue living longer and longer unless government regulations make medical research unprofitable . This immense pension cost has driven GM to the point of bankruptcy and makes it impossible to operate the business at a profit even if government continues to shovel billions of tax dollars to Detroit .
 As vast as the problems of GM are , and as great the potential damage to our economy should it finally collapse , however , GM 's problem with the cost of pensions is nothing compared to the pension problems at all levels of American government .
 While GM was mortgaging its future to retiree pensions and health care , politicians were doing the same thing by awarding unaffordable pensions and health care to public employees . The difference was that while the UAW was not able to force GM to fire managers who would n't give the UAW what it wanted , public employee unions could and did vote politicians who did n't cave on pensions out of office . As a result , New York City employees have been promised pensions which are even more generous than GM 's .
 The book While America Aged by Roger Lowenstein ( New York , Penguin Press , 2008 ) gives some numbers on page 140 . In 2005 , the New York City Actuary noted that the city transit system contributed $ 381 million , or 14 % of payroll , to pensions ; this was expected to reach $ 620 million by 2009 . Medical costs in 2005 were an additional $ 410 million . It 's interesting to compare these numbers with income tax which runs roughly 30 % of payroll . Health care and retirement each cost more than income tax .
 The rest of the city was no better off ; the fire department paid $ 490 million in health - care costs , for example . Health care for retired fire workers has been rising fast enough that the taxpayers will soon be paying more for all the retired fire fighters than for all the working fire fighters !
 During the recent financial boom , New York City made enough money from income taxes paid by high - flying Wall Street workers that they were able to meet these obligations . Then 2008 happened . With Wall Street bonuses a matter of history and the state facing a corresponding shortfall in income tax receipts , these expenditures are simply not sustainable .
 There 's a fatal flaw in offering benefits 20 , 30 , or 40 years out - nobody knows what economic conditions will be like when the bills come due . Consider social security . Although the law called social security an insurance program , courts have repeatedly declared it to be a welfare program because Congress can change the benefits at any time . Even if it were an insurance system , there 'd be no money in it because our legislators have spent the entire fund , leaving only treasury IOU 's ; they simply wo n't leave the money alone . In its greatest high - profit days , GM was n't able to put enough money aside to fund its pensions . New York City could n't either . California has been tapping into its employee pension fund , CALPERS has lost a quarter of its value since June and is talking about demanding additional contributions . New Jersey is billions of dollars in the hole yet Gov. Jon Corzine wants county and municipal governments to skip more than $ 500 million in pension payments to avoid higher property taxes . In an article " The Land of Liabilities , " the Economist lists immense unfunded pension liabilities in many states . Maine and New Hampshire have raided the teacher 's retirement fund for current expenses , and so on . The overall situation is serious enough that some Congresspersons are calling on government to nationalize everyone 's private 401(k ) retirement accounts to try to paper over the holes in the public pension problem by snatching private retirement savings .
 We see that a ) most of the public and private pension systems are under - funded , the money simply is n't there ; and b ) even if the money were there , what could it be invested in which wo n't get confiscated or misallocated by government action over a 40 year period ? As a nation , as companies , and as individuals , we 're trapped between a rock and a very hard place indeed .
 So how are all these pension claims going to be paid ?
 The Economist article ends , " Taxpayers will have to ante up . The main question is when , and how much . " There are only two choices : a ) pensions wo n't be paid or b ) taxes will go through the roof , collapsing the economy and eventually resulting in ( a ) . Our lawmakers do n't dare raise taxes nearly enough to fund the pensions they 've already promised , but that does n't stop them from promising more , regardless of party . George W. Bush , supposedly an arch - conservative , pushed through the largest entitlement expansion of all time in the form of his Medicare drug bill . People we 've talked to say , " There 's no way this wo n't be paid , it 's protected by law ! " No matter what the law says now , however , when pensions start to eat up , say , half of everyone 's income , voters will instruct their elected representatives to change the law . There 'll be a massive train wreck between taxpayers , public employee unions , and retirees ; the longer it 's delayed , the worse it will be .
 The discussions about bailing out Detroit have inspired state and city governments to ask for bailouts , too . The GM bailout is all about protecting workers ' pensions ; there is simply no way that any profit - making company can cover the cost of operating an automobile business and pay such generous pension obligations at the same time . Even governments which do n't have to make a profit and which cavalierly exact taxes at gunpoint are finding it impossible to keep up with their pension obligations .
 Tennessee 's Sen. Corker was correct in pointing out that unless the UAW accepts cuts in labor costs which get close to labor costs at Toyota , Honda , and the other transplants - which is to say , having their pay and pensions slashed roughly in half - there 's no way any amount of money can do anything more than postpone the inevitable collapse of GM , at vast public expense .
 When a private firm goes bankrupt , its pensions are dumped on an agency of the federal government , called the Pension Benefits Guaranty Corporation ( PBGC ) . This agency uses taxpayer dollars to make sure retirees continue to receive a minimum level of benefits , but not nearly as much as they were promised ; it usually cuts pensions in half . Even after such a severe pension haircut , so many airlines have dumped their pensions that this agency is well under water .
 Lacking the same power to threaten confiscation or print more money , New York State 's taxing authority has not been able to handle the cost of meeting its pension obligations while maintaining public services during the downturn ; cuts are projected . Could any force other than bankruptcy or acute poverty give New York the strength to stand up to the unions and cut costs ? Obviously not ; bankruptcy or poverty it shall be , perhaps both . Just the other week we saw an astonishing list of new taxes to clobber New Yorkers when they can least afford it ; anyone familiar with the Laffer Curve will not be surprised when these egregious exactions fail to raise the revenue intended and drive still more businesses and residents across the river to more reasonable jurisdictions .
 Some politicians are beginning to catch on . New York 's Gov. David Paterson called for reduced pension benefits because of budget problems , saying , " We 've made too many promises and asked for too few sacrifices . We 're going to have to change our culture as we know it . " He has the right idea , but one wonders how long New York would tolerate a transit or garbage strike ? Nearly a hundred years ago , London suffered a railway strike ; the commuters saw this as an opportunity for train - lovers to finally try their hand at running locomotives . Service carried on , more or less , under the hands of amateurs . The famous author C.S. Lewis reported there being " surprisingly few accidents , " but one shudders to think of what OSHA would think of such a solution .
 It 's clear that lifetime pensions of the GM or New York City form are simply unsustainable ; there 's no way we can afford the loss of productivity implied by having workers collect pensions , which can be close to their final pay levels , for more years than they spent working . Even with city taxes that are high enough to drive many citizens to move elsewhere , neither New York City nor California are able to fund a pension system that covers only a few ; GM ca n't make enough money to fund its pension obligations either .
 Neither private business sales nor public taxation authority are able to fund pensions and health care for even a fraction of the overall population . How do we expect the Federal government to be able to handle pensions and health care for the entire population - particularly if they 've already spent the " Full Faith and Credit of the United States " to prop up ill - advised pension promises made to the lucky few ? How democratic is it to take Joe the Plumber 's money to fund a UAW worker 's early retirement ?
 We have to go back to the traditional means of social security - not because we want to , but because it 's the only road left . There is only one investment that 's likely to hold value over a 50 year period without government stealing it , and that 's children . In the past , old people were cared for by their children ; in some countries , it 's a crime for children not to take care of their parents .
 The men who designed the Social Security system deliberately set out to break the bonds between generations so that people would have fewer children , but they overdid it : our birth rate has plummeted , and uneducated illegal immigrants working for starvation wages in sweatshops are n't going to pay the difference . When the real crash comes , and nothing can stop it , old people who do n't have enough children to care for them will be SOL . There 's going to be a great many childless yuppies wishing , in their old age , that they had someone to care for them ; or , God forbid , standing beside them bearing arms .
 Why Does Your Devalued Home Have Such a High Tax Rate ?
 Being a pastor and having a wife that works with the elderly your point on childless families and retirement is right on . Even today we are seeing seniors that are slipping through the cracks , and are struggling to get some basic services that families once provided . Even more disturbing is the mindset of some children to abandon their parents to the system because of inconvenience . We at the church have prepared some basic services for our widowed people , but if a full - scale collapse hits everything will be overwhelmed . The Worse thing of all is that our city , state and federal governments seem to be if not blind then criminally ignorant to what is happening .
 " ... In 2005 , the New York City Actuary noted that the city transit system contributed $ 381 million , or 14 % of payroll , to pensions ; this was expected to reach $ 620 million by 2009 . Medical costs in 2005 were an additional $ 410 million . It 's interesting to compare these numbers with income tax which runs roughly 30 % of payroll . Health care and retirement each cost more than income tax . "
 If 14 $ of payroll is $ 381 M then payroll is $ 2.72B and 30 % of that is $ 816M. Neither health care ( $ 410 M ) or retirement ( $ 381 M ) is more than income tax($816 M ) .
 Also , the statewment , " ... if people collect pensions for only as long as they work , their actual productivity while working is cut in half " misuses its terms as badly as it mangles its arithmetic . " Productivity " is universally understood to be the work done per hour , not work performed per dollar paid , and even if that malapropism is excused the cost per hour of a pension would only equal the cost per hour of the wage under much more limited assumptions about how the contributions and payout are made than that the terms of work and retirement are equal . That the pensions are excessive ( and underfunded ) may very well be true , but the claim made is arithmetic ignorance on stilts .


text:
Published 04/25/2019 08:16:00 pm at 04/25/2019 08:16:00 pm in Magnetic Sheets For Cars.
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tokenized:
Published 04/25/2019 08:16:00 pm at 04/25/2019 08:16:00 pm in Magnetic Sheets For Cars .
 magnetic sheets for cars custom car magnets design personalize your own signscom magnets contractors .
 custom car magnets design personalize your own signscom car magnet quick facts , meters pack craft flexible magnetic sheet tape mm thickness meters pack craft flexible magnetic sheet tape mm thickness magnets roll , custom magnetic sign x design online wholesale magnetic signs custom magnetic sign x design online , new driver magnet student driver bumper sticker reflective great magnets for new learning drivers printed on reflective material and laminated for outdoor use then mounted on highquality magnetic sheets , wholesale magnetic sheets for cars online buy best magnetic sheets bread magnet strongforstrong strongcar , car magnets durable magnets custom magnetic signs signx car magnetbanner stands , white vinyl car magnets x custommagnets x blank car magnets square corners , vehicle magnets car door magnets fedex office click here to view this image , baseus magnetic disk for car phone holder metal leather iron sheets baseus magnetic disk for car phone holder metal leather iron sheets plate mount , car magnets magnetic signs vistaprint cardoormagnets , car door magnet .


text:
doTERRA essential oils + chocolate = delicious!
And Christmas time is perfect for making some oil flavoured chocolate treats. My favourite doTERRA oils for pairing with chocolate are: Peppermint • Wild Orange • Ginger • Lime.
PEPPERMINT CHOCOLATE BARK is really, really simple to make and perfect for having on hand for holiday guests who drop by unexpectedly. Or wrap some chocolate bark in cellophane bags for a sweet gift for neighbours or friends.
THE HOW TO .. is pretty much melt your chocolate, add your bits and freeze until set. Snap into pieces and you're good to go! For those who like a bit more detail, here's how I made this batch!
Usually I just use white and dark chocolate + hopped pistachios and dried cranberries but this one is a nit of a fun festive twist!
Use the double boiler saucepan method to gently melt your chopped dark chocolate on the cook top. Set aside and melt your white chocolate using the same process (or melt your chopped chocolate in a microwave using a microwave safe bowl or jug if you prefer).
Allow your melted dark chocolate to cool for a few minutes. Stir in 2-3 drops of doTERRA Peppermint essential oil.
Spread the melted dark chocolate onto a sheet of baking paper. Add drops of white chocolate and using a sharp knife point, swirl the white chocolate through the dark for a marble look.
Sprinkle on chopped cranberries, chopped nuts and smashed candy cane lollies.
Allow to set in the fridge or freezer for a quicker result (if you are impatient like me!!) and once set, snap into bark pieces.
Store in the fridge. Package in cellophane bags for gift giving or a baking paper lined gift tin.

tokenized:
doTERRA essential oils + chocolate = delicious !
 And Christmas time is perfect for making some oil flavoured chocolate treats . My favourite doTERRA oils for pairing with chocolate are : Peppermint • Wild Orange • Ginger • Lime .
 PEPPERMINT CHOCOLATE BARK is really , really simple to make and perfect for having on hand for holiday guests who drop by unexpectedly . Or wrap some chocolate bark in cellophane bags for a sweet gift for neighbours or friends .
 THE HOW TO .. is pretty much melt your chocolate , add your bits and freeze until set . Snap into pieces and you 're good to go ! For those who like a bit more detail , here 's how I made this batch !
 Usually I just use white and dark chocolate + hopped pistachios and dried cranberries but this one is a nit of a fun festive twist !
 Use the double boiler saucepan method to gently melt your chopped dark chocolate on the cook top . Set aside and melt your white chocolate using the same process ( or melt your chopped chocolate in a microwave using a microwave safe bowl or jug if you prefer ) .
 Allow your melted dark chocolate to cool for a few minutes . Stir in 2 - 3 drops of doTERRA Peppermint essential oil .
 Spread the melted dark chocolate onto a sheet of baking paper . Add drops of white chocolate and using a sharp knife point , swirl the white chocolate through the dark for a marble look .
 Sprinkle on chopped cranberries , chopped nuts and smashed candy cane lollies .
 Allow to set in the fridge or freezer for a quicker result ( if you are impatient like me ! ! ) and once set , snap into bark pieces .
 Store in the fridge . Package in cellophane bags for gift giving or a baking paper lined gift tin .


text:
In about the time it takes to read this page, you can make your next trip significantly safer.
This quick and practical walk-around inspection is not intended to replace periodic visibility tests on a FMVSS 111 Mirror Grid. The pre-trip walk-around inspection is not always enforced as mandatory for school bus drivers. But since mirrors can be bumped and manipulated during and between runs, aquiring this habit could turn a minimal effort into a major difference in human transportation safety.
Go to the rear corners of the bus at the back bumpers. Peer down the side panels of the bus towards the front. You should be able to see some portion of the cross view mirrors extended out wider that the school bus body. Most cross view mirrors are around 14” wide. It would be good to see least 4” to 6” of mirror surface extending out beyond the 96” width of the bus. Next, crouch down adjacent to the rear tires. Can you see the cross view mirrors extending out? Look for a least 30% to 40% of the cross view mirror lens to be visible from your vantage point about a foot out from the rear axle locations. Check both sides of the bus.
Walk out directly in front of the bus 12’ to 14’ feet and directly in front of the center of the front bumper. Look at both the RH and LH cross view mirrors. You should be able to see some portion the edges of the mirror's reflective surface pointed towards you.
Crouch down at the entrance door step well. Can you see your reflected image in the convex rear view mirror? Having a good view of the step well area augmented by the convex rearview mirror can prevent the worst accidents. The convex rear view will provide a much larger and more noticeable image of a child in this most dangerous area.
The most efficient adjustment of the rear view mirrors will show less than ½” of reflection of the school bus side walls and windows on the inside vertical surface of the mirror. The least amount of school bus that can be seen in the rear view mirrors the better. Just a narrow visual reference of the side of the bus is all that is needed. This will insure that most of mirror surface is available to see more children and cars.
Often the cross view mirrors are positioned inwards for compactness at the factory or during delivery. To swing the mirror arms outwards for best visibility down the sides of the bus, the brace arm clamps and the main mounting base clamps should be loosened to allow the arms to swing out board. A typical school bus is generally about 96” wide, so by measuring from outside edge to outside edge of the cross view mirrors you should have a least about 104” for efficient visibility.
Trip Inspection PDF - A Printable version to take to the bus yard.

tokenized:
In about the time it takes to read this page , you can make your next trip significantly safer .
 This quick and practical walk - around inspection is not intended to replace periodic visibility tests on a FMVSS 111 Mirror Grid . The pre - trip walk - around inspection is not always enforced as mandatory for school bus drivers . But since mirrors can be bumped and manipulated during and between runs , aquiring this habit could turn a minimal effort into a major difference in human transportation safety .
 Go to the rear corners of the bus at the back bumpers . Peer down the side panels of the bus towards the front . You should be able to see some portion of the cross view mirrors extended out wider that the school bus body . Most cross view mirrors are around 14 ” wide . It would be good to see least 4 ” to 6 ” of mirror surface extending out beyond the 96 ” width of the bus . Next , crouch down adjacent to the rear tires . Can you see the cross view mirrors extending out ? Look for a least 30 % to 40 % of the cross view mirror lens to be visible from your vantage point about a foot out from the rear axle locations . Check both sides of the bus .
 Walk out directly in front of the bus 12 ’ to 14 ’ feet and directly in front of the center of the front bumper . Look at both the RH and LH cross view mirrors . You should be able to see some portion the edges of the mirror 's reflective surface pointed towards you .
 Crouch down at the entrance door step well . Can you see your reflected image in the convex rear view mirror ? Having a good view of the step well area augmented by the convex rearview mirror can prevent the worst accidents . The convex rear view will provide a much larger and more noticeable image of a child in this most dangerous area .
 The most efficient adjustment of the rear view mirrors will show less than ½ ” of reflection of the school bus side walls and windows on the inside vertical surface of the mirror . The least amount of school bus that can be seen in the rear view mirrors the better . Just a narrow visual reference of the side of the bus is all that is needed . This will insure that most of mirror surface is available to see more children and cars .
 Often the cross view mirrors are positioned inwards for compactness at the factory or during delivery . To swing the mirror arms outwards for best visibility down the sides of the bus , the brace arm clamps and the main mounting base clamps should be loosened to allow the arms to swing out board . A typical school bus is generally about 96 ” wide , so by measuring from outside edge to outside edge of the cross view mirrors you should have a least about 104 ” for efficient visibility .
 Trip Inspection PDF - A Printable version to take to the bus yard .


text:
Why are you running for office? I was inspired to run for the legislature out of a sense of service to my community. Everything that happens in Augusta impacts everyone in Maine, from the taxes we pay to the education we provide for our children. In my first session I focused on workforce development, job creation and growing Maine’s economy. The Speaker of the House selected me as one of only two freshman legislators to serve on a special committee charged to find ways to support and grow our workforce and our economy. My background in small business and education enabled me to be a contributor to the bold and creative solutions that will help jump start our economy and help people gain the education and training they need to make a livable wage. One of the best parts of my job as a legislator has been to assist citizens and small business owners with their individual concerns. It has been a joy to see the positive results in a person’s life when I have been able to intervene on their behalf. The people in my district are important to me and I am honored to represent them in Augusta; I will continue to work hard and be their strong voice in Augusta.
Health care is a right not a privilege. That’s why I support life-saving health care for 70,000 Mainers, including nearly 3,000 veterans. No one should be bankrupt by mounting medical bills when they are sick. Our economy will also see a $1 million per day boost in economic activity, so it’s right morally and economically.
What, if anything, would you change about welfare?I think the best anti-poverty program is a good job. Mainers deserve leaders who are going to work for economic opportunity for everyone. Though there is no data that Maine has widespread fraud in our welfare programs, fraud in any state program is unacceptable.
By how much?No one can live on the current minimum wage and raising it needs to be part of a comprehensive economic program aimed at making Maine's economy work for everyone.
Please explain your position on legalization?Maine law recognizes marijuana products for medical use because of their powerful properties to assist patients with serious medical conditions. If we recognize this substance as a medicine, I don’t believe we should also legalize its use for “recreation” any more than we do any other medicine.

tokenized:
Why are you running for office ? I was inspired to run for the legislature out of a sense of service to my community . Everything that happens in Augusta impacts everyone in Maine , from the taxes we pay to the education we provide for our children . In my first session I focused on workforce development , job creation and growing Maine ’s economy . The Speaker of the House selected me as one of only two freshman legislators to serve on a special committee charged to find ways to support and grow our workforce and our economy . My background in small business and education enabled me to be a contributor to the bold and creative solutions that will help jump start our economy and help people gain the education and training they need to make a livable wage . One of the best parts of my job as a legislator has been to assist citizens and small business owners with their individual concerns . It has been a joy to see the positive results in a person ’s life when I have been able to intervene on their behalf . The people in my district are important to me and I am honored to represent them in Augusta ; I will continue to work hard and be their strong voice in Augusta .
 Health care is a right not a privilege . That ’s why I support life - saving health care for 70,000 Mainers , including nearly 3,000 veterans . No one should be bankrupt by mounting medical bills when they are sick . Our economy will also see a $ 1 million per day boost in economic activity , so it ’s right morally and economically .
 What , if anything , would you change about welfare?I think the best anti - poverty program is a good job . Mainers deserve leaders who are going to work for economic opportunity for everyone . Though there is no data that Maine has widespread fraud in our welfare programs , fraud in any state program is unacceptable .
 By how much?No one can live on the current minimum wage and raising it needs to be part of a comprehensive economic program aimed at making Maine 's economy work for everyone .
 Please explain your position on legalization?Maine law recognizes marijuana products for medical use because of their powerful properties to assist patients with serious medical conditions . If we recognize this substance as a medicine , I do n’t believe we should also legalize its use for “ recreation ” any more than we do any other medicine .


text: Grooms, it's time to tell the truth. You know she got you! And you love it. This hilarious short sleeve, crew neck shirt will make your Bride to Be giggle with delight. Congratulations on your engagement!

tokenized: Grooms , it 's time to tell the truth . You know she got you ! And you love it . This hilarious short sleeve , crew neck shirt will make your Bride to Be giggle with delight . Congratulations on your engagement !


text: This entry was posted on June 4, 2009 at 6:29 pm and is filed under Design Catalog.	You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

tokenized: This entry was posted on June 4 , 2009 at 6:29 pm and is filed under Design Catalog . 	 You can follow any responses to this entry through the RSS 2.0 feed . You can leave a response , or trackback from your own site .


text:
People 65 and older are eligible for reduced MBTA fares with a Senior CharlieCard. These cards are valid for 8 years.
For people with doctor-designated permanent disabilities, Transportation Access Pass (TAP) cards are valid for 5 years. For doctor-certified temporary disabilities, cards are valid for 1 year.
Already have a Senior CharlieCard? Reload it online with MyCharlie.
Monthly passes for Senior CharlieCards cannot be purchased online.
Learn more about accessibility on the MBTA, and how we’re working to make our services accessible to everyone.
Present a valid, government-issued license or ID for proof of age.
If approved, you’ll receive a 30-day Senior CharlieTicket, valid for use while you wait for your permanent Senior CharlieCard to arrive in the mail, in 7-10 business days.
Councils on Aging and senior centers occasionally host Senior CharlieCard events where you can apply for a card. You’ll need to bring a valid, government-issued license or ID for proof of age, fill out an application, and get your photo taken.
Staff at the event will mail your application to the MBTA, and your permanent Senior CharlieCard will arrive in the mail in 4-6 weeks.
If you are a staff member at a Councils on Aging or senior center, you can host an event.
Load cash value or monthly passes onto your Senior CharlieCard at any fare vending machine or at fare boxes on buses and trolleys at street-level stops.
Please note: Discounted monthly passes are not available for Express Buses. You can purchase a one-way ticket for 50% of the standard cash fare at onboard fareboxes and fare vending machines.
Show your Senior CharlieCard to MBTA staff at Commuter Rail or ferry ticket booths to pay 50% of the standard one-way fare.
You can also show a valid, government-issued license or ID that states you’re 65 or older for reduced Commuter Rail fares.
Please note: Discounted monthly passes are not available for the ferry or Commuter Rail. You can purchase 10-ride tickets for 50% of the standard fare at a fare vending machine or ticket booth.
Stay informed. Get alerts about service delays and planned changes by text or email.
View reduced fare prices for all MBTA tickets and passes.
Visit our fares FAQ section for detailed answers about the MBTA’s ticketing system.

tokenized:
People 65 and older are eligible for reduced MBTA fares with a Senior CharlieCard . These cards are valid for 8 years .
 For people with doctor - designated permanent disabilities , Transportation Access Pass ( TAP ) cards are valid for 5 years . For doctor - certified temporary disabilities , cards are valid for 1 year .
 Already have a Senior CharlieCard ? Reload it online with MyCharlie .
 Monthly passes for Senior CharlieCards can not be purchased online .
 Learn more about accessibility on the MBTA , and how we ’re working to make our services accessible to everyone .
 Present a valid , government - issued license or ID for proof of age .
 If approved , you ’ll receive a 30 - day Senior CharlieTicket , valid for use while you wait for your permanent Senior CharlieCard to arrive in the mail , in 7 - 10 business days .
 Councils on Aging and senior centers occasionally host Senior CharlieCard events where you can apply for a card . You ’ll need to bring a valid , government - issued license or ID for proof of age , fill out an application , and get your photo taken .
 Staff at the event will mail your application to the MBTA , and your permanent Senior CharlieCard will arrive in the mail in 4 - 6 weeks .
 If you are a staff member at a Councils on Aging or senior center , you can host an event .
 Load cash value or monthly passes onto your Senior CharlieCard at any fare vending machine or at fare boxes on buses and trolleys at street - level stops .
 Please note : Discounted monthly passes are not available for Express Buses . You can purchase a one - way ticket for 50 % of the standard cash fare at onboard fareboxes and fare vending machines .
 Show your Senior CharlieCard to MBTA staff at Commuter Rail or ferry ticket booths to pay 50 % of the standard one - way fare .
 You can also show a valid , government - issued license or ID that states you ’re 65 or older for reduced Commuter Rail fares .
 Please note : Discounted monthly passes are not available for the ferry or Commuter Rail . You can purchase 10 - ride tickets for 50 % of the standard fare at a fare vending machine or ticket booth .
 Stay informed . Get alerts about service delays and planned changes by text or email .
 View reduced fare prices for all MBTA tickets and passes .
 Visit our fares FAQ section for detailed answers about the MBTA ’s ticketing system .


text:
The City of Paterson has been severely impacted by flooding along the Passaic River. The City, with funding from the State Green Acres Program, has initiated a buy-back program to acquire these properties, demolish them and move habitants from the flood prone area.
The City of Paterson buy-back program is called the Paterson Northside Property Buyback Program Acquisition / Demolition Project. JM Sorge, Inc. (JMS) was retained by the City of Paterson to conduct Preliminary Assessments (PA) for 30-50 of these properties. JMS has completed more than half of the PAs, all in accordance with the Technical Requirements for Site Remediation (TRSR) and Green Acres standards. These properties will be purchased and the structures demolished, protecting the City from the liabilities associated with repeated flooding events here.

tokenized:
The City of Paterson has been severely impacted by flooding along the Passaic River . The City , with funding from the State Green Acres Program , has initiated a buy - back program to acquire these properties , demolish them and move habitants from the flood prone area .
 The City of Paterson buy - back program is called the Paterson Northside Property Buyback Program Acquisition / Demolition Project . JM Sorge , Inc. ( JMS ) was retained by the City of Paterson to conduct Preliminary Assessments ( PA ) for 30 - 50 of these properties . JMS has completed more than half of the PAs , all in accordance with the Technical Requirements for Site Remediation ( TRSR ) and Green Acres standards . These properties will be purchased and the structures demolished , protecting the City from the liabilities associated with repeated flooding events here .


text:
Why does my battery drain fast when I'm not using the device?
Whenever I wake my Transformer up after it has been used for awhile, the amount of charge left in the battery is much lower than I expect. The Transformer is supposed to be in sleep mode, but the battery life has decreased too much for the device to really be sleeping, I feel.
The ASUS Download Page can be found here - ASUS T100TA Download Page, in case they update the BIOS again, or you need any of the drivers for your T100.
I can honestly say that after a year of use i know all about this..
its areal problem with the T100 out the box.
to fix this you need to disable the HIBERFILE, just Google "how to turn off hibernate in Windows 8.1"
then delete your HIBERFILE and your good to go, now power off will power off !
Battery charges in about 2 hours and stays charged!
I'm running bios 306. When I use Asus Live Update to scan for updates 307 isn't shown as an update. I've read on some postings that 307 is for the computers with a hard drive, but not sure if that is correct. I'm going to stay with 306 since it is working for me.
I too was having issues with the battery draining when it was in storage. I only use my T100 occasionally. I changed the settings in "Change what closing the lid does". When it was set to put the computer to sleep on battery when the lid was closed the battery drained. I changed the setting to "shut down" the computer when the power button is used, or the lid is closed while on battery and the battery is now staying charged.
Alex Pink 가/이 대단히 고마워 할 것입니다.

tokenized:
Why does my battery drain fast when I 'm not using the device ?
 Whenever I wake my Transformer up after it has been used for awhile , the amount of charge left in the battery is much lower than I expect . The Transformer is supposed to be in sleep mode , but the battery life has decreased too much for the device to really be sleeping , I feel .
 The ASUS Download Page can be found here - ASUS T100TA Download Page , in case they update the BIOS again , or you need any of the drivers for your T100 .
 I can honestly say that after a year of use i know all about this ..
 its areal problem with the T100 out the box .
 to fix this you need to disable the HIBERFILE , just Google " how to turn off hibernate in Windows 8.1 "
 then delete your HIBERFILE and your good to go , now power off will power off !
 Battery charges in about 2 hours and stays charged !
 I 'm running bios 306 . When I use Asus Live Update to scan for updates 307 is n't shown as an update . I 've read on some postings that 307 is for the computers with a hard drive , but not sure if that is correct . I 'm going to stay with 306 since it is working for me .
 I too was having issues with the battery draining when it was in storage . I only use my T100 occasionally . I changed the settings in " Change what closing the lid does " . When it was set to put the computer to sleep on battery when the lid was closed the battery drained . I changed the setting to " shut down " the computer when the power button is used , or the lid is closed while on battery and the battery is now staying charged .
 Alex Pink 가 / 이 대단히 고마워 할 것입니다 .


text:
VIN 1VWAH7A39CC029866 was found in a recall database. Check full report for more information.
VIN 1VWAH7A39CC029866 might include history records. Check full report for more information.
Do you know how much insurance costs for 2012 Volkswagen Passat?
Is this Vehicle Safe? See 2012 Volkswagen Passat Safety Report.
How Environmentally Friendly is this 2012 Volkswagen Passat?

tokenized:
VIN 1VWAH7A39CC029866 was found in a recall database . Check full report for more information .
 VIN 1VWAH7A39CC029866 might include history records . Check full report for more information .
 Do you know how much insurance costs for 2012 Volkswagen Passat ?
 Is this Vehicle Safe ? See 2012 Volkswagen Passat Safety Report .
 How Environmentally Friendly is this 2012 Volkswagen Passat ?


text:
Just one of many Leo’s lunchtime celebrations to come this semester — National Backwards Day — is currently going on at Leo’s. Personally, I was expecting to be totally confused when I walked in, with the pasta line in the normal location of the stir-fry line, and vice versa. But all I found was a cake with “NWOTEGROEG” written on it, some mixed up name tags (Kim the pasta chef was wearing the name Diane), and some pretty tasty meatloaf cupcakes with mashed potato frosting.
But, I always love it when Leo’s spices it up for a little bit of fun in the middle of a dull day of classes. I say, head to Leo’s for Backwards Day and try to find some backwards things that I couldn’t. Enjoy some meatloaf cupcakes or a smoothie at Stacey’s Spot.

tokenized:
Just one of many Leo ’s lunchtime celebrations to come this semester — National Backwards Day — is currently going on at Leo ’s . Personally , I was expecting to be totally confused when I walked in , with the pasta line in the normal location of the stir - fry line , and vice versa . But all I found was a cake with “ NWOTEGROEG ” written on it , some mixed up name tags ( Kim the pasta chef was wearing the name Diane ) , and some pretty tasty meatloaf cupcakes with mashed potato frosting .
 But , I always love it when Leo ’s spices it up for a little bit of fun in the middle of a dull day of classes . I say , head to Leo ’s for Backwards Day and try to find some backwards things that I could n’t . Enjoy some meatloaf cupcakes or a smoothie at Stacey ’s Spot .


text:
Thomas Baldwin reports on the opening of a new community bank in Edinburgh.
The actor joined the Rev Iain May at the premises of Castle Community Bank on Great Junction Street in Edinburgh.
The minister of South Leith Parish Church used to work for the Royal Bank of Scotland, American Express and Allied Irish Banks.
After he entered the ministry, he decided to use his knowledge and expertise to embark on what he calls a “social justice mission” that provides the community with an afordable alternative to payday lenders.

tokenized:
Thomas Baldwin reports on the opening of a new community bank in Edinburgh .
 The actor joined the Rev Iain May at the premises of Castle Community Bank on Great Junction Street in Edinburgh .
 The minister of South Leith Parish Church used to work for the Royal Bank of Scotland , American Express and Allied Irish Banks .
 After he entered the ministry , he decided to use his knowledge and expertise to embark on what he calls a “ social justice mission ” that provides the community with an afordable alternative to payday lenders .


text: Many people who experience a traumatic event also experience some Posttraumatic Stress Disorder (PTSD) symptoms after the trauma; therefore, this response is considered normal (Resick, Monson, & Chard, 2008b). The difference with individuals who develop clinical levels of PTSD is that they have been unsuccessful in their attempts to incorporate the trauma event into their previously held belief systems. Mr. Brown (not his real name) is a 37 year-old, Caucasian male who has never been married and has no children. Currently, Mr. Brown resides in a Midwestern correctional institution.

tokenized: Many people who experience a traumatic event also experience some Posttraumatic Stress Disorder ( PTSD ) symptoms after the trauma ; therefore , this response is considered normal ( Resick , Monson , & Chard , 2008b ) . The difference with individuals who develop clinical levels of PTSD is that they have been unsuccessful in their attempts to incorporate the trauma event into their previously held belief systems . Mr. Brown ( not his real name ) is a 37 year - old , Caucasian male who has never been married and has no children . Currently , Mr. Brown resides in a Midwestern correctional institution .


text:
DocuPrint N2025 » AppSocket Print Monitor download Windows 95/98/Me AppSocket Print Monitor for peer-to-peer network printing. (REQUIRES: TCP/IP and support for Port 9100).
Windows 95/98/Me AppSocket Print Monitor for peer-to-peer network printing. (REQUIRES: TCP/IP and support for Port 9100).
DocuPrint N4525 » AppSocket Print Monitor - Windows 95/98/Me AppSocket Print Monitor for peer-to-peer network printing. (REQUIRES: TCP/IP and support for Port 9100).
DocuPrint N3225 » AppSocket Print Monitor - Windows 95/98/Me AppSocket Print Monitor for peer-to-peer network printing. (REQUIRES: TCP/IP and support for Port 9100).

tokenized:
DocuPrint N2025 » AppSocket Print Monitor download Windows 95/98 / Me AppSocket Print Monitor for peer - to - peer network printing . ( REQUIRES : TCP / IP and support for Port 9100 ) .
 Windows 95/98 / Me AppSocket Print Monitor for peer - to - peer network printing . ( REQUIRES : TCP / IP and support for Port 9100 ) .
 DocuPrint N4525 » AppSocket Print Monitor - Windows 95/98 / Me AppSocket Print Monitor for peer - to - peer network printing . ( REQUIRES : TCP / IP and support for Port 9100 ) .
 DocuPrint N3225 » AppSocket Print Monitor - Windows 95/98 / Me AppSocket Print Monitor for peer - to - peer network printing . ( REQUIRES : TCP / IP and support for Port 9100 ) .


text: The subject explores the principles of sustainable life and human wellbeing using residential design as the focus. A broad approach is taken, which covers both global concerns and local apporaches to the design of sustainable dwellings by exploring sustainable design principles. In particular, human wellbeing is examined to provide a philosophical, practical and spiritual understanding of both house and home, so that residential design can usefully contribute to the health and wellbeing of the users of residential interiors.

tokenized: The subject explores the principles of sustainable life and human wellbeing using residential design as the focus . A broad approach is taken , which covers both global concerns and local apporaches to the design of sustainable dwellings by exploring sustainable design principles . In particular , human wellbeing is examined to provide a philosophical , practical and spiritual understanding of both house and home , so that residential design can usefully contribute to the health and wellbeing of the users of residential interiors .


text:
We opened this blog because we both love fashion. Both of us spend a massive amount of time in the mornings trying to figure out what to wear. Both of us spend a fortune on clothes when we know we really don't need new ones. Both of us browse through Teen Vogue, read about one party or another and view the outfits and dresses of all the glamorous peole who showed up. Both of us look around the internet and build never-ending wishlists.
And true, we're only 15 and most 15-year-olds don't just open their own fashion blog, but we did, and we truly hope you would enjoy it.

tokenized:
We opened this blog because we both love fashion . Both of us spend a massive amount of time in the mornings trying to figure out what to wear . Both of us spend a fortune on clothes when we know we really do n't need new ones . Both of us browse through Teen Vogue , read about one party or another and view the outfits and dresses of all the glamorous peole who showed up . Both of us look around the internet and build never - ending wishlists .
 And true , we 're only 15 and most 15 - year - olds do n't just open their own fashion blog , but we did , and we truly hope you would enjoy it .


text:
As diamond buyers & jewelry buyers since 1980 we want you to be 100% confident when it's time to sell jewelry or sell diamonds safely & discreetly.
If you are ready to sell diamond jewelry, sell a diamond engagement ring, sell gold, sell Rolex watches to the knowledgeable, trusted source since 1980. When selling jewelry to Lovelady Diamond not only do you receive an extremely competitive offer but you are treated with the utmost respect and professional business etiquette. Tired of being treated like another number instead of a valued customer? Whether selling a Rolex or selling a diamond ring we will work hard to make you a repeat customer.
If you would like to “sell jewelry” in a secure, fast and competitive way. Since 1980 Lovelady Diamond, has focused on buying and selling gold, platinum and silver jewelry with complete transparency. If you want to sell diamonds please call, email or fill out one of the below forms to get an offer estimate in a timely fashion.
If you would like to “sell a Rolex or other luxury watch” we specialize in knowing the exact product and explaining value and what our (or your) potential selling price would be. High-end watches can be very trendy and the buyers are very particular so let us explain what to expect. If you want to sell Rolex or other fine luxury watches contact us at your convenience by phone, email or via the applicable form below.
If you would like to “sell a diamond ring or sell diamond jewelry” you’ve come to the right place. The owner, Glenn Lovelady, is not only a buyer, seller, diamond cutter but also the author of Mastering Diamonds. If you want to sell diamond jewelry contact us at your convenience by phone, email or via the applicable form below.
We go above and beyond by offering alternative methods if it is necessary for you to get the very last dollar for your valuables or if you want to sell a large or small quantity to get cash for gold.
Since 1980 we have received thousands of insured packages via USPS, FedEx and UPS emphasizing discreet and timely transactions with extremely competitive offers. We are currently offering FREE bank wire transfers to U.S. states and FREE shipping labels to qualified items. Please contact us for further information.
Even if you do not want to sell diamond jewelry at this time you might be very interested in our constant influx of estate jewelry being updated daily. As aggressive and competitive pre-owned jewelry buyers we need good homes for hundreds of items at any given time. Pay a fraction of retail for our properly represented items with a 14-30 day money back guarantee, no questions asked. Remember you’re saving a lot of money and you’re saving the planet by not promoting new mining operations. (Note: We prefer not to call it Used Jewelry for Sale since it has been refurbished to near-new or premium condition).
100+ 5 Star Reviews. Check us out!
A+ Rating. Not A, Not A-, Not B+ but ... A+ which is a perfect record!
Please let us know if you are interested in expanding your knowledge of diamonds with this online course.
Mission Statement: The goal of any business is to be successful but to end it there would be too easy for someone that loves what he does and is very good at it. Diamonds and what came to follow was such a fascination that I realized that the financial success became secondary because even more importantly I love to write about and talk about those pretty little bobbles that are more commonly called diamonds, gems, jewelry, fine watches and glittering metals. In the last 38 years of exposing myself to many people in the business it came to my attention that many of these so-called business people are not interested in the product at all but rather the profit that comes from it. The vast misrepresentation of the many products involved today is rampant and I pride myself in clearly separating myself with accurate information regardless of what I think the outcome will be. Truth will always prevail!
At Lovelady Diamond we promise to make your experience as rewarding, professional and timely as possible. After 33 years our experience and knowledge has allowed us to be on the cutting edge of competiveness as buyers and sellers in the industry. With no pressure to buy or sell we just ask for your trust that we've always believed should be earned and not presumed.

tokenized:
As diamond buyers & jewelry buyers since 1980 we want you to be 100 % confident when it 's time to sell jewelry or sell diamonds safely & discreetly .
 If you are ready to sell diamond jewelry , sell a diamond engagement ring , sell gold , sell Rolex watches to the knowledgeable , trusted source since 1980 . When selling jewelry to Lovelady Diamond not only do you receive an extremely competitive offer but you are treated with the utmost respect and professional business etiquette . Tired of being treated like another number instead of a valued customer ? Whether selling a Rolex or selling a diamond ring we will work hard to make you a repeat customer .
 If you would like to “ sell jewelry ” in a secure , fast and competitive way . Since 1980 Lovelady Diamond , has focused on buying and selling gold , platinum and silver jewelry with complete transparency . If you want to sell diamonds please call , email or fill out one of the below forms to get an offer estimate in a timely fashion .
 If you would like to “ sell a Rolex or other luxury watch ” we specialize in knowing the exact product and explaining value and what our ( or your ) potential selling price would be . High - end watches can be very trendy and the buyers are very particular so let us explain what to expect . If you want to sell Rolex or other fine luxury watches contact us at your convenience by phone , email or via the applicable form below .
 If you would like to “ sell a diamond ring or sell diamond jewelry ” you ’ve come to the right place . The owner , Glenn Lovelady , is not only a buyer , seller , diamond cutter but also the author of Mastering Diamonds . If you want to sell diamond jewelry contact us at your convenience by phone , email or via the applicable form below .
 We go above and beyond by offering alternative methods if it is necessary for you to get the very last dollar for your valuables or if you want to sell a large or small quantity to get cash for gold .
 Since 1980 we have received thousands of insured packages via USPS , FedEx and UPS emphasizing discreet and timely transactions with extremely competitive offers . We are currently offering FREE bank wire transfers to U.S. states and FREE shipping labels to qualified items . Please contact us for further information .
 Even if you do not want to sell diamond jewelry at this time you might be very interested in our constant influx of estate jewelry being updated daily . As aggressive and competitive pre - owned jewelry buyers we need good homes for hundreds of items at any given time . Pay a fraction of retail for our properly represented items with a 14 - 30 day money back guarantee , no questions asked . Remember you ’re saving a lot of money and you ’re saving the planet by not promoting new mining operations . ( Note : We prefer not to call it Used Jewelry for Sale since it has been refurbished to near - new or premium condition ) .
 100 + 5 Star Reviews . Check us out !
 A+ Rating . Not A , Not A- , Not B+ but ... A+ which is a perfect record !
 Please let us know if you are interested in expanding your knowledge of diamonds with this online course .
 Mission Statement : The goal of any business is to be successful but to end it there would be too easy for someone that loves what he does and is very good at it . Diamonds and what came to follow was such a fascination that I realized that the financial success became secondary because even more importantly I love to write about and talk about those pretty little bobbles that are more commonly called diamonds , gems , jewelry , fine watches and glittering metals . In the last 38 years of exposing myself to many people in the business it came to my attention that many of these so - called business people are not interested in the product at all but rather the profit that comes from it . The vast misrepresentation of the many products involved today is rampant and I pride myself in clearly separating myself with accurate information regardless of what I think the outcome will be . Truth will always prevail !
 At Lovelady Diamond we promise to make your experience as rewarding , professional and timely as possible . After 33 years our experience and knowledge has allowed us to be on the cutting edge of competiveness as buyers and sellers in the industry . With no pressure to buy or sell we just ask for your trust that we 've always believed should be earned and not presumed .


text:
Ranch house plans emerged in the 1940's after the war. A huge surge in demand for economical housing put Ranch house plans on top. Ranch house plans are a combination of several 20th Century styles and were always one story homes with a horizontal layout.
Sq.Ft. 1568 Bedrooms 2 Width 72.67 ft.
Levels 1 Bathrooms 2 Depth 44.33 ft.
Sq.Ft. 1480 Bedrooms 2 Width 70.00 ft.
Levels 1 Bathrooms 2 Depth 36.00 ft.
Sq.Ft. 1646 Bedrooms 2 Width 56.33 ft.
Levels 1 Bathrooms 2 Depth 61.33 ft.
Sq.Ft. 800 Bedrooms 2 Width 32.00 ft.

tokenized:
Ranch house plans emerged in the 1940 's after the war . A huge surge in demand for economical housing put Ranch house plans on top . Ranch house plans are a combination of several 20th Century styles and were always one story homes with a horizontal layout .
 Sq . Ft . 1568 Bedrooms 2 Width 72.67 ft .
 Levels 1 Bathrooms 2 Depth 44.33 ft .
 Sq . Ft . 1480 Bedrooms 2 Width 70.00 ft .
 Levels 1 Bathrooms 2 Depth 36.00 ft .
 Sq . Ft . 1646 Bedrooms 2 Width 56.33 ft .
 Levels 1 Bathrooms 2 Depth 61.33 ft .
 Sq . Ft . 800 Bedrooms 2 Width 32.00 ft .


text:
This was the last broadcast of this year and it was also the “Best of 2017” show that I always am excited to do. In celebration of this, I did an hour to showcase some of my favorite releases from 2017. Thanks to everyone that sent music in (physical and digital) and also to the people that tune in every show! See ya next year!!
¡[email protected] AL BLOG DE TOCADAS Y CONCIERTOS PUNK EN MÉXICO!

tokenized:
This was the last broadcast of this year and it was also the “ Best of 2017 ” show that I always am excited to do . In celebration of this , I did an hour to showcase some of my favorite releases from 2017 . Thanks to everyone that sent music in ( physical and digital ) and also to the people that tune in every show ! See ya next year ! !
 ¡ [ email protected ] AL BLOG DE TOCADAS Y CONCIERTOS PUNK EN MÉXICO !


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Packed with strength, the 2016 Ram 3500 Chassis from Dawsonville, GA is a must-have vehicle for any businesses that deal with tough jobs. If you need a brawny truck to tow big loads and get through rough roads, this is an excellent option. It offers power and performance that you need to accomplish serious tasks while keeping the workers comfortable.
With amazing power, this vehicle can tow more than 31,000lbs, allowing you to transport serious amounts of cargo with ease. It’s also fuel efficient, thanks to the cab-to-axle length. This way, you can go to far places without worrying about your gas consumption.
Handling it is not an issue as well because it boasts of strong traction and stability. You can rest easy knowing that your truck is ready to go despite the weather and road condition. This kind of strength that you can find in a Ram 3500 Chassis from Chrysler Dodge Jeep Ram dealers serving Dawsonville, GA is truly an asset to your business.

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Packed with strength , the 2016 Ram 3500 Chassis from Dawsonville , GA is a must - have vehicle for any businesses that deal with tough jobs . If you need a brawny truck to tow big loads and get through rough roads , this is an excellent option . It offers power and performance that you need to accomplish serious tasks while keeping the workers comfortable .
 With amazing power , this vehicle can tow more than 31,000lbs , allowing you to transport serious amounts of cargo with ease . It ’s also fuel efficient , thanks to the cab - to - axle length . This way , you can go to far places without worrying about your gas consumption .
 Handling it is not an issue as well because it boasts of strong traction and stability . You can rest easy knowing that your truck is ready to go despite the weather and road condition . This kind of strength that you can find in a Ram 3500 Chassis from Chrysler Dodge Jeep Ram dealers serving Dawsonville , GA is truly an asset to your business .


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High Wycombe Lions Club, founded in 1972, is part of the Lions Clubs International, an association of 1.31 million Members in more than 46,000 Clubs, located in 205 countries. Lions Clubs International began in 1917 as the dream of a Chicago businessman who believed that local business clubs should expand their horizons, from purely professional concerns to the betterment of their communities and the world at large. The association network of men and women work together to answer the needs that challenge communities across the world. Members of High Wycombe Lions Club predominantly serve our local community based in and around High Wycombe. Equally importantly members enjoy an interesting and varied series of social activities. All the money we collect has to be used for good causes; the overheads of the Lions Club International is met by the subscriptions of Members.
15 local pub quizzes over 3 months culminating in a grand final, which was sponsored by Grant & Stone allowing the Lions to present an initial cheque of £2500 to Wycombe First Responders.
This will be presented to Wycombe First Responders as part of a wider fundraising project to raise around £15,000 to deliver a new ambulance which is urgently needed in the Wycombe & District area.
Community First Responders are urgently needed to help save more lives in Denham, Gerrard’s Cross, Amersham, Chesham, High Wycombe, Beaconsfield, Langley and other areas of Buckinghamshire. The volunteer responders are called by South Central Ambulance Service NHS Foundation Trust (SCAS) to attend potentially life-threatening incidents, such as cardiac arrests or strokes – often helping to save lives of people in their local communities by being at a scene very quickly in those crucial first few moments before paramedics arrive.

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High Wycombe Lions Club , founded in 1972 , is part of the Lions Clubs International , an association of 1.31 million Members in more than 46,000 Clubs , located in 205 countries . Lions Clubs International began in 1917 as the dream of a Chicago businessman who believed that local business clubs should expand their horizons , from purely professional concerns to the betterment of their communities and the world at large . The association network of men and women work together to answer the needs that challenge communities across the world . Members of High Wycombe Lions Club predominantly serve our local community based in and around High Wycombe . Equally importantly members enjoy an interesting and varied series of social activities . All the money we collect has to be used for good causes ; the overheads of the Lions Club International is met by the subscriptions of Members .
 15 local pub quizzes over 3 months culminating in a grand final , which was sponsored by Grant & Stone allowing the Lions to present an initial cheque of £ 2500 to Wycombe First Responders .
 This will be presented to Wycombe First Responders as part of a wider fundraising project to raise around £ 15,000 to deliver a new ambulance which is urgently needed in the Wycombe & District area .
 Community First Responders are urgently needed to help save more lives in Denham , Gerrard ’s Cross , Amersham , Chesham , High Wycombe , Beaconsfield , Langley and other areas of Buckinghamshire . The volunteer responders are called by South Central Ambulance Service NHS Foundation Trust ( SCAS ) to attend potentially life - threatening incidents , such as cardiac arrests or strokes – often helping to save lives of people in their local communities by being at a scene very quickly in those crucial first few moments before paramedics arrive .


text: I’ve been fortunate enough to embark on an epic culinary experience, not once or twice but three times at Golf’s Restaurant. From the appetizers to the dessert, I could not find fault with the presentation, quality, or level of service. Staff here really know their steak, and especially have the timing down to an art when it comes to bring out each dish. Be prepared to spend upwards of $60+ per person but it’s well worth it.

tokenized: I ’ve been fortunate enough to embark on an epic culinary experience , not once or twice but three times at Golf ’s Restaurant . From the appetizers to the dessert , I could not find fault with the presentation , quality , or level of service . Staff here really know their steak , and especially have the timing down to an art when it comes to bring out each dish . Be prepared to spend upwards of $ 60 + per person but it ’s well worth it .


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Elephant tourism has long been a feature of trips to Thailand or the Indian subcontinent. Whether it’s riding them, washing them in the river, or merely posing with their trunk wrapped around your arm, photos of these magnificent beasts have become such staple of gap yah Instagram accounts that they’re almost beyond parody. But while it’s easy to laugh at the clichés, there’s a much more serious side to the industry. One that’s increasingly being laid bare as new research emerges.
In 2014 Intrepid Travel worked with World Animal Protection to commission one such report. The findings made for pretty shocking reading, highlighting the systematic abuse by mahout (elephant tamers) upon their elephants in the name of tourism.
It found “elephants suffering in terrible conditions, taken young from the wild, separated from their familial groups, broken again and again using sharp hooks and other tools, chained up at night and denied good nutrition,” Aaron Hocking, Intrepid Travel’s UK managing director, told us.
Since 2014, over 200 travel companies, including the big shots like Thomas Cook have slashed elephant rides from their itineraries. And judging from the glut of encouraging articles on Google warning about the dangers of elephant riding, word, at least in the West, is spreading about the objective harm and danger elephants are put through when giving rides.
But while there may be heightened awareness, there’s also a misconception that things have changed for the better, says Chiara Vitali from World Animal Protection. “There’s been a growth of 30 percent in five years of the number of captive elephants in Thailand,” she says.
“Whilst there has been a modest increase in the number of elephants living in better welfare conditions, this has been overshadowed by the far bigger increase in number of elephants living in poor conditions (probably largely driven by the growth in tourism from countries like China)”.
To effect change, we must understand that elephant abuse is the result of supply and demand. “If demand dries up, so does the financial incentive,” explains Aaron Hocking. “Demand reduction from the public is key to changing policies and practices of both travel companies and the wildlife attractions on the ground,” adds Chiara Vitali from World Animal Protection.
As well as these international organisations, there has long been a contingent of community figureheads pushing for change. In Thailand, for instance, a country traditionally associated with elephant riding, Lek Chailert has been spearheading a movement towards ethical elephant tourism since the early noughties.
She is the founder of the Save The Elephant Foundation, and in 2001 was awarded the Ford Foundation’s ‘Hero of the Planet’ award. In 2005, Time Magazine named her one of their ‘Heroes of Asia’.
The surge in publicity surrounding the welfare of elephants over the last few years has raised the profile of Lek’s work, and given it more of an international context. And gratifyingly, she’s not alone – others are campaigning for elephant tourism without the harming interactive elements, like elephant riding or elephant bathing, all of which are highly stressful to the animals.
In an ideal world, PETA’s Elisa explains, “former mahouts can be given priority for employment at these facilities, so there would be no loss of livelihood.” As things stand, the quality of life for old-style mahouts is already seriously challenging. “Mahouts receive low pay for a high-risk job, with many suffering injuries and having little financial security,” says Aaron Hocking.
Abusive elephant handling was, sadly, part and parcel of traditional mahout work. The bull hook has been used to control elephants for hundreds of years, dating back to when elephants were commonly used for logging.
However, as Intrepid’s Aaron states: “We don’t believe tradition is an excuse for elephant riding.” And in any case, according to Chiara from World Animal Protection, elephants in tourism are exposed to tougher conditions than they ever were when used for logging: “The rise of an elephant tourism industry is very different from how elephants were traditionally kept,” she says.
As demand for abusive rides decreases – at least in the West – more mahouts are catching onto the Lek Chailert formula. But there’s still more work to do. Much of the effort so far has been led by not-for-profits and tourism protection bodies. “World Animal Protection works closely with leaders within the travel industry to demonstrate the strong demand for elephant-friendly (observation-only) tourism,” Chiara Vitali explains.
At observation-only attractions like the Phuket Elephant Sanctuary, Save The Elephant Foundation and Happy Elephant Valley, animals roam free and aren’t shackled up at night. They aren’t allowed to be directly interacted with under any circumstances, and under these conditions, older elephants who were privy to abuse are able to thrive in old age.
One challenge is the seedy underbelly of ‘ethical’ elephant ‘sanctuaries’ mistreating elephants but fooling the public into believing they are getting an ethical experience. “It’s worth noting that many self-proclaimed “elephant sanctuaries” are nothing more than glorified circuses,” insists Elisa from PETA.
World Animal Protection takes a slightly more nuanced view. Chiara claims that, at properly ethical sanctuaries, “people can have the incredible experience of watching elephants behave naturally – free from suffering and exploitation”.
So what’s the answer? Well, if you do want to see these majestic creatures, beware of ‘sanctuaries’ offering elephant bathing, feeding or riding experiences, or where elephants are confined to tight spaces. If in doubt, steer clear completely. And if any of your friends start posting selfies with the animals? Make sure you mention the elephant in the room.
Intrepid Travel organise fairly priced trips combining ethical elephant experiences, visit their website for more information.
Adam Bloodworth is a freelance writer, based in London. Catch up with him on Twitter.

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Elephant tourism has long been a feature of trips to Thailand or the Indian subcontinent . Whether it ’s riding them , washing them in the river , or merely posing with their trunk wrapped around your arm , photos of these magnificent beasts have become such staple of gap yah Instagram accounts that they ’re almost beyond parody . But while it ’s easy to laugh at the clichés , there ’s a much more serious side to the industry . One that ’s increasingly being laid bare as new research emerges .
 In 2014 Intrepid Travel worked with World Animal Protection to commission one such report . The findings made for pretty shocking reading , highlighting the systematic abuse by mahout ( elephant tamers ) upon their elephants in the name of tourism .
 It found “ elephants suffering in terrible conditions , taken young from the wild , separated from their familial groups , broken again and again using sharp hooks and other tools , chained up at night and denied good nutrition , ” Aaron Hocking , Intrepid Travel ’s UK managing director , told us .
 Since 2014 , over 200 travel companies , including the big shots like Thomas Cook have slashed elephant rides from their itineraries . And judging from the glut of encouraging articles on Google warning about the dangers of elephant riding , word , at least in the West , is spreading about the objective harm and danger elephants are put through when giving rides .
 But while there may be heightened awareness , there ’s also a misconception that things have changed for the better , says Chiara Vitali from World Animal Protection . “ There ’s been a growth of 30 percent in five years of the number of captive elephants in Thailand , ” she says .
 “ Whilst there has been a modest increase in the number of elephants living in better welfare conditions , this has been overshadowed by the far bigger increase in number of elephants living in poor conditions ( probably largely driven by the growth in tourism from countries like China ) ” .
 To effect change , we must understand that elephant abuse is the result of supply and demand . “ If demand dries up , so does the financial incentive , ” explains Aaron Hocking . “ Demand reduction from the public is key to changing policies and practices of both travel companies and the wildlife attractions on the ground , ” adds Chiara Vitali from World Animal Protection .
 As well as these international organisations , there has long been a contingent of community figureheads pushing for change . In Thailand , for instance , a country traditionally associated with elephant riding , Lek Chailert has been spearheading a movement towards ethical elephant tourism since the early noughties .
 She is the founder of the Save The Elephant Foundation , and in 2001 was awarded the Ford Foundation ’s ‘ Hero of the Planet ’ award . In 2005 , Time Magazine named her one of their ‘ Heroes of Asia ’ .
 The surge in publicity surrounding the welfare of elephants over the last few years has raised the profile of Lek ’s work , and given it more of an international context . And gratifyingly , she ’s not alone – others are campaigning for elephant tourism without the harming interactive elements , like elephant riding or elephant bathing , all of which are highly stressful to the animals .
 In an ideal world , PETA ’s Elisa explains , “ former mahouts can be given priority for employment at these facilities , so there would be no loss of livelihood . ” As things stand , the quality of life for old - style mahouts is already seriously challenging . “ Mahouts receive low pay for a high - risk job , with many suffering injuries and having little financial security , ” says Aaron Hocking .
 Abusive elephant handling was , sadly , part and parcel of traditional mahout work . The bull hook has been used to control elephants for hundreds of years , dating back to when elephants were commonly used for logging .
 However , as Intrepid ’s Aaron states : “ We do n’t believe tradition is an excuse for elephant riding . ” And in any case , according to Chiara from World Animal Protection , elephants in tourism are exposed to tougher conditions than they ever were when used for logging : “ The rise of an elephant tourism industry is very different from how elephants were traditionally kept , ” she says .
 As demand for abusive rides decreases – at least in the West – more mahouts are catching onto the Lek Chailert formula . But there ’s still more work to do . Much of the effort so far has been led by not - for - profits and tourism protection bodies . “ World Animal Protection works closely with leaders within the travel industry to demonstrate the strong demand for elephant - friendly ( observation - only ) tourism , ” Chiara Vitali explains .
 At observation - only attractions like the Phuket Elephant Sanctuary , Save The Elephant Foundation and Happy Elephant Valley , animals roam free and are n’t shackled up at night . They are n’t allowed to be directly interacted with under any circumstances , and under these conditions , older elephants who were privy to abuse are able to thrive in old age .
 One challenge is the seedy underbelly of ‘ ethical ’ elephant ‘ sanctuaries ’ mistreating elephants but fooling the public into believing they are getting an ethical experience . “ It ’s worth noting that many self - proclaimed “ elephant sanctuaries ” are nothing more than glorified circuses , ” insists Elisa from PETA .
 World Animal Protection takes a slightly more nuanced view . Chiara claims that , at properly ethical sanctuaries , “ people can have the incredible experience of watching elephants behave naturally – free from suffering and exploitation ” .
 So what ’s the answer ? Well , if you do want to see these majestic creatures , beware of ‘ sanctuaries ’ offering elephant bathing , feeding or riding experiences , or where elephants are confined to tight spaces . If in doubt , steer clear completely . And if any of your friends start posting selfies with the animals ? Make sure you mention the elephant in the room .
 Intrepid Travel organise fairly priced trips combining ethical elephant experiences , visit their website for more information .
 Adam Bloodworth is a freelance writer , based in London . Catch up with him on Twitter .