Before starting to renovate your kitchen, be certain that your available space will accommodate all the new appliances, accessories and conveniences you intend to include in your newly, refurbished food preparation area. Most importantly, take time to design your kitchen practically, allowing plenty of room around your oven, fridge and any standing cabinetry for easy movement and door opening. Also allow enough room near your sink and kitchen island for easy navigation by more than one person at a time, especially if your household includes more than one active home chef. There is nothing more disconcerting than to complete your attractive, contemporary style kitchen only to discover that the cramped space around your appliances and food preparing areas prevents you from enjoying easy movement to and from all points of activity during meal preparation.
• Compare Different Suppliers. – Shop around before selecting a main supplier for your renovating materials and new kitchen appliances. Only by visiting various supplier locations and showrooms will you be able to make accurate comparisons of product quality and cost. In some instances, you may find it best to hire individual carpenters, cabinetmakers and flooring experts rather than putting all your trust and funds into one large provider of kitchen renovations materials, appliances and accessories.
• Choose Medium Level Pricing. – Although there is no need to pay top prices for your new range, refrigerator, microwave, trash compactor, dishwasher and renovation materials, if you pay the lowest prices, you will most likely get cheap looking kitchen furnishings and decor. You newly remodeled culinary prep room may need another makeover in no time, and your less than quality appliances may need repairs or replacement within just a few short months. Even appliances with good warranties may require constant adjustments and new parts. By buying appliances and renovating supplies priced in a reasonable, medium cost range, you will probably benefit the most, gaining long-term good use of both materials and kitchen furnishings.
• Consult Experienced Experts. – By consulting experienced professionals in kitchen remodeling, you will receive practical, useful and cost-effective advice and tips concerning where to purchase the supplies and appliances you need for a fine caliber makeover of your current home kitchen.
• Refrain from Overcapitalising. – Do not spend more money on your kitchen renovations than is reasonable for the current property market in your neighborhood. It is never wise to overspend if the market and current home values in your area do not support the overall cost of your renovations.
• Consider Future Kitchen Usage. – Be sure to look ahead in your life to your probable kitchen usage and needs in the near future. Especially if you know you will be considering a move to another city or neighborhood within a year or two, limit your kitchen remodeling project to include only items and amenities that will be to your immediate advantage. By doing so, you will limit any excessive spending that is beyond the boundaries of your current renovating budget.
By engaging the expert renovating services of Knebel Kitchens with head office and showroom located in Ingleburn, NSW, you will benefit from excellent advice, craftsmanship and installation expertise. This top quality, experienced team will provide you with the ideal guidelines and comprehensive renovation services to make your kitchen remodeling project a highly successful decision for today and the future alike.


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American Culture and English Immersion
Community Life and Work ESL
Apply to Our Intensive English Program
Intensive English Language Program Courses
Intensive English Program Calendar
TOEFL Exam
Getting Your Student Visa
Health Forms and Insurance
I-20 Eligible Programs
International Student FAQs
Maintaining Status for International Students
CPT and OPT
Erasmus Plus Program
Study Abroad Frequently Asked Questions
Why Study Abroad?
Our inspiration and global mission comes from the history of Salem and it golden age of sail. Intrepid 19th century seafarers and ship builders set off from the shores of Salem to discover people and treasures from China and East India – now India and Southeast Asia. When globe-travelling sea captains returned with new goods, ideas, and stories, Salem's place as a global port and global destination had begun. Now, Salem is a tourist destination on a historical oceanfront, with a history and a story that has welcomed new ideas and new people since 1626.
Salem's seaport city of 42,000 residents welcomes over a million tourists per year, who can visit our Salem Maritime Historic Site and Visitor Center, and the oldest continuously operating museum in the country – the Peabody Essex Museum – which houses over a million works of art from around the world and numerous historic buildings and a modern expansion. You may know Salem from the witchcraft hysteria that took place in 1692, and we recognize and honor the innocent victims of that terrible time. But Salem's history and present are intertwined – with a lively Haunted Happenings celebration during the month of October and stunning views of the ocean from multiple beaches and parks, and with Boston just 30 minutes away by bus or train, Salem's location is perfect destination for international study.

redpajama_set_name: RedPajamaCommonCrawl


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Q: Design View in Visual Studio 2010 ASP.NET 4.0 not keeping HTML format, (it gets a mess) I have an issue with my design view in asp.net. I have a master Page which when I debug eerything is fine but when I choose design view in the window al controls are missplaced.
Any idea how to fix this? Again when debuging with Chrome, IE9, Firefox the page shows just well.
Thank you :D
Screenshot
http://i49.tinypic.com/2n9j7r.png

redpajama_set_name: RedPajamaStackExchange


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Sign up for girls youth basketball
By Cloverleaf High School Journalism Staff
The sixth-annual Cloverleaf Youth Girls Basketball program will conduct sign-ups at the Cloverleaf High School gym on Nov. 4.
"It is very exciting every year to invite the young girls in our community to the gym to learn about the game of basketball and have fun at the same time with our players and coaches," said John Carmigiano, the Cloverleaf High School varsity girls basketball head coach.
Players and parents can arrive as early as 5:30 p.m. to begin the registration process. There will be a clinic for all girls interested in the Little Dribblers or Rec League from 6-7 p.m., followed by the Travel Team practice from 7-8:30 p.m.
All girls interested in doing Travel (grades 4-6) should attend the pre-season open gyms on Oct. 14, 16, 21, 23 and 30 from 6:30-8 p.m. in the CHS gym. All Rec players are welcome to be in both Rec League and Travel for the same price.
The Cloverleaf High School girls basketball players and coaches, along with parent volunteers, help the players (grades 1-6) with their practices and games from November through January.
"This is a great opportunity for our high school players to give back to the game and the community by working closely with the younger girls," Carmigiano said. "We have seen plenty of success with the CYGB -- and the travel team had an amazing season last year. It is really cool to watch this program grow."
Black River is expected to bring their girls Rec teams once again to compete against the Cloverleaf teams on Saturday mornings to offer more of a variety of competition for both schools.
Tera Seiwerth is in her second year as the director of operations for the CYGB, and has been around for all six years of the program. The director takes care of registration, keeps the parents informed of the scheduling, and helps with the direction of the program. Seiwerth is also the head coach of the successful Travel Team.
"Tera is very reliable and dependable and is helping grow the girls basketball program for the Cloverleaf community for many years to come," Carmigiano said. "Lisa Foky did a great job with our travel girls as an assistant coach last season, and now Meredith Craft will be assisting Tera this year."
The CYGB also welcomes Cloverleaf parent support and assistance to run some of the teams.
"If you have a love for the game and would like to help out we are always open to that," Carmigiano said. "We are also open to the idea of helping parents understand the game better if they would like to coach."
The CYGB will again offer three affordable programs for girls in grades 1-6, including Little Dribblers ($35), Rec League ($50), and Travel Ball ($80). Players can play in both the Rec League and Travel Ball for the same $80 total.
For the sign-up night, parents are asked to bring the registration form and payment, while the players can come dressed to take part in the clinic. Please click HERE for a registration form. Forms also were distributed to all the Cloverleaf youth girls through their schools.
"We look forward to the excitement in the gym a couple times a week when our youth come to learn," Carmigiano said. "We want the kids to have a good time, learn about this great game, and develop their skills."
Photos: Cloverleaf High School basketball players work with CYGB youth players last season. Photos submitted by CYGB.


Use instructional technology, tools, and resources to enhance the teaching and learning environment.
Access historical department and college profile data from Student Information System (SIS) census data through summer 2010.
Descriptions of campus computing labs, including locations, available hours, and software. All labs are staffed with lab monitors that can assist with basic usage.
Use device to record responses to questions posed during class.
Access to historical student census information.
Process to request academic software be added to classrooms and student computing labs.
Access historical student retention and graduation reports through summer 2010.


A group of 10 Jack C. Massey College of Business students participated in the 2nd annual Caterpillar Financial and Belmont College of Business Case Competition hosted by the Nashville Chapter of the Young Professionals (YP) Employee Resource Group on October 20. The event was held in cooperation with Belmont, the only university included in the partnership, to leverage diversity of thought and inclusion to solve a business problem.
Over the course of a day and half, five teams competed against one another to propose a solution to a live business problem at Cat Finance. The teams consisted of two YP members, two Belmont students and one 6 Sigma Black Belt to facilitate the group. The teams presented their recommendations to a panel of judges including the president of Cat Finance, leadership and department managers from Cat Financial and Massey College of Business Dean Dr. Pat Raines.
This year's case centered on the Cat Financial Customer Portal, an e-business initiative aimed at empowering customers with instantaneous self-service. Teams were asked to devise a strategy to enhance the functionality offered in the portal and better market the existing functionality to increase its usage. All recommendations are being considered by Cat Financial for implementation.


Last week we shared two books for a cancer journey by breast cancer survivor Cathy McCarthy. Today Cathy tells us how cancer led her on the unexpected path of writing books and finding her passion in life.
I quote the above lines, because it takes me back to November 2007 when I was diagnosed with breast cancer. It is a great shock to get a cancer diagnosis because like most people, you believe it will never happen to you. I found a lump, went for the triple assessment, and a week later when the results returned, I was given the news. So the journey began of surgery, chemotherapy and radiotherapy.
It was a difficult year, but I decided I would make the most of the year 2008. It was certainly not the year I had planned, but it was the year I had been given. Many people tell you, it is a year out of your life, but I never succumbed to that idea. You cannot mentally erase a year of your life, so I lived that year with its ups and downs and survived. 12 years later I live to tell the tale.
Post treatment, I quickly came to the realisation that this can be a very difficult, uncertain time as you now have to begin to rebuild your life again. Your life has changed forever, but that it not to say it is all negative. I decided to take one day and one step at a time to chart the next part of my life. I was not in a great place mentally and there were times I felt fragile and vulnerable. I set myself some goals, as they helped me believe that I was going to recover.
When I got my diagnosis, a friend gave me a book called "Benedictus" by John O'Donohue. The day before my surgery, I remember sitting on my bed flicking through it, reading the following lines, and I know this is probably a cliché, but they have literally changed my life.
May you find the wisdom to listen to your illness?
As I now reflect back and join up the dots, I truly believe those words have taken me down a path I never expected.
In 2009, two years after my cancer I got an idea to write a book. I had always loved writing, but I had no idea I would be able to achieve this. I had gathered many tips along my journey, and I thought if I could collect all of this information, write a book, it would be a very useful resource to help others. So I started doing research and before I knew it, I had gathered a lot of information. In September 2011, "Not the Year You had planned" was published. I decided while writing the book that I would donate the proceeds from my share of the book to two Cancer Support Centres and I chose Sligo and Tallaght. I felt so grateful to be well, I wanted to give something back.
In promoting the book, I visited cancer support centres giving talks. I enjoyed this because I met the loveliest people all struggling and living their lives with their own diagnosis. Everyone, without exception found the months after the treatment to be a very difficult path. There is very little help out there to support you. Yes there is the medical support, with your check-ups and hospital visits, but there is a huge void to assist people navigate the practicalities of everyday living post treatment. A question relevant to so many people is "Where to from here"? So the seed was now sown for a second book to help people live their life beyond adversity.
I did not actually intend to write a second book, but the universe had conspired to make this happen. "Stronger than Yesterday" was published in 2016. I wrote it to help people move on from cancer, a life threatening illness or life changing event, but a card from a friend with the following note has opened up the book to a much wider audience. In the words of my friend. "I believe that "Stronger Than Yesterday" is not only for those who have come through adversity, but is for anyone who is trying to negotiate the ups and downs of everyday life." I was surprised, but on reflection, I am not surprised.
It took me approximately two years to write this book. I loved every minute of it, enjoyed doing the research and met some very interesting people. The book has 10 personal stories, all very different in nature, and 26 chapters of my own, including some of my own poetry. The stories are told by ordinary, extraordinary people who have navigated some tough times.
Again I donated my share of the proceeds to two charities, the Waterford High Hopes (homeless choir) and to the Jack Kavanagh Foundation, a very inspiring young man who is paralysed as a result of a surfing accident. My decision to give the money to the High Hopes Choir has taken me on a journey I never expected. It has been wonderful.
Cathy's two books are published by Ashfield Press. The books are called "Not The Year You Had Planned" and "Stronger Than Yesterday". They are available on books.ie and Amazon and are €13 each. Proceeds go to various charities.
Thank you so much to Cathy for sharing her story with us today.


BIOTIN + Tablets are an ideal supplement to strengthen, rejuvenate and improve hair, skin and claws.
"Health and beauty from the inside out"
Available in packages of 130 tablets.
The BIOTIN+ Tablets are transported directly from our Markus-Mühle factory in Germany to our warehouse in Spain in refrigerated trucks between 18ºC-24ºC. Being a natural product, it is very sensitive to heat and damp as it contains no preservatives. We send the packages to the whole of Spain in thermo-protective boxes within approximately 24 hours in order to maintain their freshness and shelf life.
When purchasing the BIOTIN+ Tablets, you may want to order other Luposan products as shipping costs may exceed the product price.The minimum order must exceed 20 €.
Biotin+ Tablets are a supplement formulated with concentrated herbs, micro algae and a balanced mix of vitamins. It actively works with the carbohydrates and lipids in the metabolism, it activates the metabolism of the skin, hair and claws of dogs with dermal deficiency symptoms such as hair loss, itching and pruritus, dermatitis, rough and dull hair, etc.. Biotin as part of the B vitamin complex, plays a very important role healing skin conditions and supporting its revitalization.
Biotin+ Tablets are an essential supplement for skin and hair's growth and the protection of mucous and skin cells. Used in serious dermatological cases and during hair moulting.
Biotin+ Tablets are a natural complement used by every dog and cat breeder and exhibitor in Germany. The results are evident in your pet, glossy, smooth and soft hair as well as healthy skin and claws.
Biotin+ Tablets are a supplement used in natural medicine with very good results, especially with skin and hair disorders, brittle or stilted claws and cracked foot pads. Also proven to increase mental concentration and stress reduction.
Dull, rough or brittle hair.
Hair loss, especially out of season (alopecia).
Formation of hard scabs, tight skin.
Pigmentation disorders or premature skin aging.
Brittle, cracked and dry paw pads.
Biotin+ Tablets are a 100 percent natural supplement, produced in our German factory, using a traditional low temperature method (38° C - max. 45° C) using hydropower to reduce emissions of carbon dioxide into the atmosphere allowing Luposan to be respectful to nature.
Luposan/Spain takes extreme care in transporting their feeds and supplements in refrigerated trucks with a controlled temperature directly to our warehouse in Spain. This means that our timeframe from Germany to Spain, is maximum 4-5 days, allowing freshness to be preserved constantly.
We send our feeds and supplements in refrigerated trucks for international transport. We hire renowned urgent domestic couriers such as MRW, UPS or DHL, amongst others, to ensure that your reception time is approximately 24 h - 48 h maximum, from our warehouse to your home as they are highly sensitive natural products.
This type of distribution implies an increase in our costs, but we do not jeopardize our pets' food. A natural feed with a short shelf life, exposed to poor storage and lengthy transportation may lose many of its properties. We do not risk it. (Cheap tends to turn to expensive and for us, quality is priceless).
We recommend purchasing our products, especially supplements, after being advised by one of our team members. Our goal is not only to sell but help and advise you to get the best results and avoid complications for you and your pet. Feel free to call us: 965 76 76 76. Luposan-Spain.
As a natural food supplement, it is recommended for all breeds and ages. It is ideal to keep hair, skin, nails and pads in good condition, strengthen, rejuvenate and improve them achieving health from the inside out.
•Dogs and cats that have problems absorbing nutrients.
•Dogs and cats that need to strengthen their metabolism and thus the skin, hair and pads.
•Improving regulation of the digestive tract and support of the immune system.
•The preservation of healthy and shiny hair.
Using Biotin+ Tablets to complement our pet's diet (without exceeding the recommended dose) ensures higher levels of water soluble vitamins than those normally achieved with a normal diet.
Biotin+ Tablets with their pleasant palatability are an easily accepted supplement amongst dogs, an indispensable aspect for prolonged treatments.
Mix of different herbs, medicinal plants, algae, vitamin B complex (Vitamin B1 Thiamin, Riboflavin vitamin B2, vitamin B8 Biotin, Cyanocobalamin Vitamin B12) and vitamin C.
Available in 130 tablet package.
Keep in a cool dry place. Keep the container tightly closed.
Dogs and kittens: 1 tablet.
Big dogs and adult cats: 2 or 3 tablets.
Directions: Give your dog the recommended daily dose. Biotin + Tablets with their pleasant palatability are an easily accepted supplement amongst dogs, an indispensable aspect for prolonged treatments. In general it is very easy to administer. In difficult cases concerning dogs having trouble taking medication or supplements in tablet form, many people tend to introduce, with great care, the tablet deep into the mouth, forcing them to swallow it. You can also try mixing the tablet in its daily feed ration.
It is important not to abuse this or any supplements in general. The word completion is the key, supplements should only supplement. They should bring an extra nutritional value where deficiencies exist, strengthening weaknesses may come to have therapeutic and curative results. However, you should be aware that if used excessively and without control or guidance, these products can cause the opposite effect of what is intended, is unwanted imbalances in the body. Caution: Do not exceed the recommended dose, giving your pet more product does not necessarily mean achieving better results.
Vitamins are organic elements essential for the correct function of the body's metabolic processes, and like minerals are essential for life. They are classified into: Fat soluble and water-soluble vitamins. Fat-soluble vitamins, A, D, E and K, are usually consumed together with food containing fat and because they can be stored in body fat, it is not necessary to take them daily. Water-soluble vitamins, the eight contained in the vitamin B group and vitamin C, cannot be stored and therefore must be consumed frequently, preferably daily.
Vitamin B8 (Biotin) Essential for growth, proper functioning skin and healthy hair, as well as the correct development of the reproductive organs.
Vitamin B1 (Thiamine) Vital in the function of the nervous system, heart and digestive system.
Vitamin B2 (Riboflavin) protects from pigmentary changes in the hair and skin and helps the regeneration and growth of skin, claws and hair.
Vitamin B12 (Cyanocobalamin) vital to the function of the immune system, body growth and tissue regeneration.
Vitamin C (ascorbic acid) important in the formation of bones and teeth, as well as the formation and maintenance of collagen.
The word completion is the key, supplements should only supplement. They should bring an extra nutritional value where deficiencies exist, strengthening weaknesses may come to have therapeutic and curative results. However, you should be aware that if used excessively and without control or guidance, these products can cause the opposite effect of what is intended, ie unwanted imbalances in the body.
We often think that more is better, better help, better cure, we want to eradicate a disease or illness from the root, etc.. But this is far from the truth. Abusing vitamin supplements can have side effects not at all beneficial to the body.
Ask us! We are at your disposal. Here at Luposan we want to be helpful above all, because "a happy healthy pet makes a happy and proud owner."
Our goal is not to sell massively in the style of "discount stores" without scruples or morals, we sell natural foods and high quality supplements at an affordable price to people who want the best for their pets.
In Luposan we want your pet to benefit from our supplements, so we are here to advise you to buy the products that best suit the needs of your best friend!
The conservation and improvement of skin quality.
Reduces hair loss, giving shine and silkiness.
Strengthens brittle claws and strengthens the paws' pads.
Another great product of Luposan! My dog suffered greatly from cracked paw pads, now the hateful cracks are gone and her fur is shiny.
I have a Japanese Kishu dog, it's the most delicate thing I've seen in my life, allergic to almost everything, from scratches to sores. I tried everything, even cortisone, bach flowers, aromatherapy…madness. And then, 1 week ago I gave it half a tablet of Biotin-Plus and finally in the last two days the sores are healing. I hope it stays that way and works for a long time.
My vet gave me about 10 tablets of Biotin and my dog's scratching has stopped automatically. I've bought a pot now and I am impatient to see the results.
With Luck, a Golden, it was difficult not knowing where he had slept, leaving a lot of hair everywhere, we thought he would be completely bald…It's been 14 days since he started taking 3 tablets in the morning and 3 in the afternoon of Biotin, we have changed his feed to Natural-Extra and we put 5ml of Lupoderm + Lecithin mixed in with his food. By now he has stopped loosing so much fur and it looks shinier, hopefully it will grow back at some point.
Luna is a shepherd mix, rescued from a dog's shelter, she had a white mantle of dandruff. I was recommended Biotin Plus and Lupoderm + Lecithin . Now, after almost two months, Luna seems like another dog! ! A beautiful German Shepherd, happy and super affectionate!
I have a pointer who suffers a lot of from cracked paw pads, he goes crazy when you set him free but every time we returned from a walk, he'd have a bleeding leg, I hope the Biotin will strengthen his pads and lessen the cuts.


The Best EVER Deviled Eggs- made with crumbled bacon, cheddar and onion – a simple recipe (that can be elevated) and oh soooooo delicious!
If you've found yourself with an over-abundace of dyed easter eggs, here's a recipe that will help take care of that problem. A wonderful woman named Doris, who works with Alzheimer's patients where my dad lives, gave me her incredibly delicious, old-fashioned recipe for Deviled Eggs. Made with crumbled bacon, cheddar and onions, these are so simple — but are hands down, the best deviled eggs I have ever had. I seriously love them.
For the photos I've left them whole and set them upright, but know that they can easily be made in the traditional way, cut in half, placed on their sides- a much simpler way to prepare them.
But if you want a challenge see the recipe notes for the upright version.
If going meat free- absolutely leave out the bacon and adjust the salt accordingly.
So creamy and delicious, these deviled eggs really are the best ever!
The Best EVER Deviled Eggs- made with crumbled bacon, cheddar and onion, simple and soooooo delicious!
In a large pot, gently place 12 eggs. Fill pot until water covers eggs about 1 1/2 inches. Bring to a boil. Cover, turn heat off and let stand 10-12 minutes.
Peel under running cold water.
Cut eggs in half scoop out yolks into a bowl.
Mash with a fork and add other ingredients. Mix. Add enough Mayo to have a nice creamy mixture. Taste, adjust salt. Fill the eggs and chill.
Garnish with paprika and chives or Italian parsley right before serving.
*If you want to serve them whole and standing up, like in the photo above, cut the tops off at the narrow end and cut off a tiny sliver of the bottom so they have a platform to stand on. Either scoop out the yokes with a small spoon, or gently squeeze the side of the egg, and the yokes should pop out.
You could pipe the filing into the egg whites, using a piping bag or a zip lock bag ( cut a small opening into the corner).
I prepared these eggs a few days ago and they were delicious. Thank you very much for the recipe!
Thanks… glad you liked them!
I am putting this in my file to make soon! Can you tell me/us more about the natural dye techniques that your father used? How did you get those swirly pretty eggs?
My dad would boil beets, onion peelings, spinach, tea, coffee, and brightly colored spices like tumeric and paprika I think. All in different pots on the stove. He would just boil the eggs in along with the color. Swirly colors come from adding a few drops of oil to the dye.
I have put these in my "to make" recipe file. Deviled eggs WITH BACON. Yes! I did have a question about what the natural dyes your father used, and how he used them. Also, how did you get your swirly pretty eggs? Oil in the dye water?
The most delicious little eggs. They were perfect at our Easter brunch.
You say to cut the eggs in half, doesn't look like that in the picture???


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Concert in the Town Hall
15th June 2018 /Comments Off on Concert in the Town Hall
Maldon's Deputy Town Mayor Cllr Flo Shaughnessy (pictured with some of the performers), attended a concert at the Town Hall accompanied by her husband Terry and the Town Mayor's Consort Cllr Peter Stilts. They all agreed it was a thoroughly enjoyable evening. The Town Mayor was unable to be there because she was busy at […]
Opening of the Black Rabbit
15th June 2018 /Comments Off on Opening of the Black Rabbit
The Town Mayor, Cllr Jeanette Stilts, and her Consort, Cllr Peter Stilts, were pleased to attend the grand opening of the Black Rabbit in Maldon on 7th June.
Coffee and Cake in Heybridge
15th June 2018 /Comments Off on Coffee and Cake in Heybridge
Maldon Town Mayor, Cllr Jeanette Stilts, joined Heybridge Parish Council Chairman Cllr Richard Perry when he opened the newly-refurbished café at Brewster House Residential Home. They both agree the cakes were delicious!
A Second Term as Town Mayor for Jeanette
15th June 2018 /Comments Off on A Second Term as Town Mayor for Jeanette
Councillor Jeanette Stilts is delighted to have been elected to serve a second term as Maldon's Town Mayor. The decision was made at the Annual Town Council meeting on 14th May 2018 held at the Town Hall. This is the first time Maldon has had a female Town Mayor serving two consecutive years. It is […]
Civic Service held at All Saints Church
6th February 2018 /Comments Off on Civic Service held at All Saints Church
The Town Mayor held a Civic Service at All Saints Church on Sunday 21st January. Guests included the Lord Lieutenant of Essex, the High Sheriff of Essex and ten visiting Mayors/Chairmen from nearby local authorities. Also in attendance were representatives from many Maldon associations and organisations including the Royal British Legion, the Maldon Society and […]
Town Mayor presents Rowing Prizes
6th February 2018 /Comments Off on Town Mayor presents Rowing Prizes
The Town Mayor was pleased to attend the RNLI Rowing Race event held at Maldon Quay and Maldon Little Ship Club. She judged the fancy dress competition and then presented the prizes to the winners.
Wreath transferred to cemetery
6th February 2018 /Comments Off on Wreath transferred to cemetery
At the beginning of January the Town Mayor transferred the poppy wreath laid in memory of Private Frederick Corbett VC at Maldon War Memorial on Remembrance Sunday to his grave in Maldon Cemetery.
Local Council Award for Maldon Town Council
22nd December 2017 /Comments Off on Local Council Award for Maldon Town Council
Maldon Town Council has gained the Local Council Foundation Award. The Town Mayor and Town Clerk were pleased to receive a framed certificate from the Chairman of the Essex Accreditation Panel at the last Town Council meeting.
Christmas Fayre
22nd December 2017 /Comments Off on Christmas Fayre
The Town Mayor was very pleased to open Maldon Vintage Christmas Fayre which this year had 70 stalls. Despite the cold weather, it was a busy night with many people dressed up in 1940s outfits. It was also the occasion for the switching-on of the town's Christmas lights.
School choir competition
22nd December 2017 /Comments Off on School choir competition
The Town Mayor was pleased to help judge the Maldon school choir competition which took place in Bright's Path at the end of November. Five schools took part, with St Francis School being the overall winner.


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Miss Anne McIntosh (Vale of York): I thank the Secretary of State for making the statement today, as she promised to do, and for an advance copy of it.
Here we are again: another day, another statement, another mess. We are told that the prospects are good and that progress is promising, but that the outcome is still not yet certain. We now have the deeply damaging contents of the Tropus report and the James report, in spite of which the Secretary of State says today that she believes that there have been no new disclosures that add to the concerns previously identified.
The House would like to know when the Secretary of State knew about the Tropus report. When did her Department have the report? Was it before 19 December 2001? Why were the FA and WNSL so slow to publish the James report? We have had sight of it only thanks to the vigilance of the Culture, Media and Sport Committee, under the skilful chairmanship of the right hon. Member for Manchester, Gorton (Mr. Kaufman).
The Secretary of State plays down the contents of the two reports, taking comfort from the fact that the James report did not find any evidence of criminal impropriety and did not recommend retendering the contract for rebuilding Wembley. She focuses on whether flaws identified had irrevocably damaged the project on the grounds of cost, propriety or deliverability. It was yet another last chance for Wembley, and the possibility still existed that FA could enter into discussions with Birmingham on its proposal.
The statement gives rise to several questions. What matters remain for negotiation on Wembley? Are they matters of principle or of detail? How much longer is the Secretary of State prepared to give Wembley, and where does that leave Birmingham? What is Coventry's position?
Why did the Secretary of State tell the House earlier this month that
"the detail of that progress is shrouded in commercial confidentiality"?
Was she partly referring to the staging agreement? Did she know about the staging agreement giving a commitment that all football internationals and FA cup finals to be held until 2019 would be at Wembley? When precisely did she know that? Was that information made available to the other bidders?
On the position of athletics at Wembley, the Secretary of State has said that
"the Sport England report will be published shortly".—[Official Report, 7 May 2002; Vol. 385, c. 23–4.]
Where does the whole sorry saga leave Birmingham and Coventry? Would she support the reimbursement of the costs of the teams from those areas incurred in compiling their bids? What lessons are there for the lottery, and does she really think that this statement will reassure the market that the project is a worthy one to invest in? When can English sports fans expect to see a new national stadium opened? How many more drinks will Wembley enjoy in the last chance saloon?
Tessa Jowell: I do not wish to be disrespectful to the hon. Lady, but I am sure that she wishes that her senior colleague had been here, because her response to the statement that I made was pathetic.
I became aware of the James report in December last year. As the hon. Lady says, it was shrouded in commercial secrecy, because it was highly sensitive. It was made available, as I made clear to the House on 19 December, on grounds of legal privilege. That limited the number of people who saw the report and the use that could be made of it. However, it is because of that report and my insistence that it be passed to my Department and made available to the National Audit Office—and because the steps that I have reminded the House of today were followed—that the project is now in the state that it is in today, instead of the flawed, tainted, unbankable state that it was in a year ago. That is a matter of fact.
The question of whether the financial deal will now proceed to a commercial close is a matter for the FA and the banks concerned, but the indications are that the banks will be encouraged by the consistency of Government support for the project and the fact that a commercial project has been subjected to a degree of rigour and scrutiny equivalent to the standards expected in the public sector.
In my statement, I set out the position in relation to Birmingham: when the Football Association made it clear that Wembley was its preferred location, the Birmingham team agreed—rightly—that it would undertake no further work on the proposal for the time being. I have set out, as made clear by the Football Association, the further steps that would need to be taken if Wembley fails and Birmingham is then considered as an alternative.
The hon. Lady asks what I meant by "shortly" as regards publication of the athletics report. I suggest that when she gets back to her office she tell off her researcher, because the information has been in the Library, in response to a parliamentary question, for about two weeks. It is also available on the Sport England website.
Finally, I have made very clear the lessons for the lottery and the steps I intend to initiate in order to ensure that the lottery does not become risk averse, and that where lottery money is invested in risky projects, that is done on the best known understanding of the likely effect of those risks.
The project is now moving forward. The hon. Lady's contribution shows that none of that progress has been achieved with the help of the Opposition.
Mr. Gerald Kaufman (Manchester, Gorton): What is pretty clear is that if a new Wembley stadium is built, it will be coated with high-gloss whitewash.
My right hon. Friend will understand that, as far as I am concerned, what matters is the House's custodianship of the expenditure of public money. Will she therefore make it absolutely clear that in no circumstances whatever will a penny above the £20 million to which she has previously referred be given by the Government for this project?
My right hon. Friend talked of the need to protect the taxpayer and the lottery payer. She will be aware that the David James report—which, like the other documents, was published only because the Select Committee forced their publication—identifies serious breaches of the lottery funding agreement and subsequently a complete failure by Sport England to do anything about it. There has been a serious dereliction of duty by Sport England, which flung £120 million at the project and did not lift a finger to monitor how the money was used.
Will my right hon. Friend hold Sport England to account? My view is that there should be sackings at Sport England—especially Mrs. Brigid Simmonds, who seems to take pride in the neglect of Sport England. Will my right hon. Friend ensure that never again, in any public project, will such negligence be allowed? Furthermore, will she ensure that my constituents' money, whether paid through lottery tickets or taxes, will be safeguarded and not used to provide a free gift of a stadium to the FA?
Tessa Jowell: If I may take my right hon. Friend's third point first, I have made it clear on the Floor of the House and before his Select Committee that there are lessons to be learned in relation to the stewardship of lottery grant. That point was also recognised in evidence to the Committee from David Moffett, now the chief executive of Sport England. I shall study carefully the Select Committee's conclusions on the specific points where it considered that Sport England had not offered proper stewardship.
Throughout this process, however, it is important to separate the allegations of negligence from the fact of negligence. Certainly, the lottery agreement has been altered and there were not proper and sufficiently close relationships between WNSL and Sport England, as evidenced by the fact that when the stadium was closed Sport England was not aware of that fact. I am entirely persuaded, therefore, of the need for some changes, but it is important to focus on fact rather than allegation.
On my right hon. Friend's second point, the House will be clear about the sources from which public money for investment in Wembley stadium will come: there will be £20 million for non-stadium infrastructure and £21 million
from the London development agency. My right hon. Friend the Secretary of State for Transport, Local Government and the Regions recently announced the plans to upgrade Wembley Park tube station. I am clear that that is the proper limit of public investment in this project. Indeed, part of the financial deal on which Patrick Carter's advice has been taken is intended to ensure that the FA bears the risk for the project.
Finally, on my right hon. Friend's point about publication of the James report, the Tropus report to which he referred is a dossier of allegations. The James report has now been slightly amended and is in publishable form. At Christmas, I called for its publication. It has now seen the light of day and I welcome that.
Nick Harvey (North Devon): I thank the right hon. Lady for her statement today, but I regret that there is not a little more progress to report. I also commend her fortitude in riding out the embarrassment that the Government should feel about the entire Wembley saga. At this stage, she is right to see this bid through to an actual conclusion one way or the other. Will she confirm that the banking arrangement is 95 per cent. agreed and that it is a process of due diligence that is now under way? Is it not time that some due diligence was shown in this project?
As the Wembley bid is nearing a conclusion, one way or another, surely it would be perverse in the extreme to exaggerate the significance of a few weeks' delay now and to favour another bid that, for understandable reasons, is not even on the starting blocks in terms of planning, costing or funding.
Finally, should the new Wembley stadium project fail for one reason or another, I urge the right hon. Lady to keep a rather more open mind than seems apparent from her statement about the possibility of breathing some new life into the old Wembley stadium. If a new stadium is to be in Birmingham, east London or anywhere else, it will take many years to deliver and some extended life for the old Wembley might well be a useful transitional phase.


Cloud PBX is available both on Kolmisoft and client's server.
Online demo allows to view only the web interface (it is not possible to make real calls).
Can you add my own sip realm/domain name?
Can you add my logo and my own domain name for GUI access?
Can CloudPBX GUI be translated to the other language?
This page was last modified on 20 March 2019, at 08:02.


text:
Die Volksbank Krefeld eG ist eine Genossenschaftsbank mit Sitz in Krefeld und betreibt das Universalbankgeschäft.

Geschäftsgebiet
Das Geschäftsgebiet der Volksbank Krefeld eG erstreckt sich mit 18 Geschäftsstellen auf das gesamte Stadtgebiet von Krefeld, Brüggen, Nettetal, Tönisvorst sowie auf Teile der Stadtgebiete von Kempen und Meerbusch. In Duisburg befindet sich eine SB-Geschäftsstelle.

Geschichte

Letzte Fusionen zur heutigen Volksbank Krefeld eG
Im Jahre 2000 fusionierte die ehemalige Volksbank Hüls-Tönisvorst eG mit der ehemaligen Volksbank Krefeld von 1897 eG zur heutigen Volksbank Krefeld eG.
Um die Verankerung des neuen Kreditinstitutes in der Region Krefeld hervorzuheben, wurde der Name Volksbank Krefeld eG gewählt. Im Jahre 2012 wurde schließlich die Volksbank Brüggen-Nettetal auf die Volksbank Krefeld verschmolzen.

Vorherige Fusionen
Die Vorgängerinstitute der Volksbank Krefeld eG, die Volksbank Hüls-Tönisvorst eG, die Volksbank Krefeld von 1897 eG und die Volksbank Brüggen-Nettetal eG, gingen ebenfalls aus verschiedenen fusionierten Instituten hervor.

Geschichte der Volksbank Hüls-Tönisvorst eG
Die Volksbank Hüls-Tönisvorst eG hat ihren Ursprung in der am 8. März 1891 gegründeten Hüls-Unter-Benrader Spar- und Darlehnskassen-Verein eGmuH.

Am 21. Mai 1957 stimmte die Generalversammlung für die Änderung des Namens in Spar- und Darlehnskasse Hüls eGmuH, Hüls bei Krefeld. Die Rechtsform der Genossenschaft wurde 1963 in die einer eGmbH umgewandelt. Die Mitgliederzahl entwickelte sich zwischen 1948 und 1965 von 130 auf 460 Mitglieder (1954: 176; 1960: 260).
1968 konnte die Kreditgenossenschaft erstmals ein eigenes Gebäude erwerben. 1973 wurde auf der Krefelder Straße in Hüls die erste Zweigstelle eröffnet.

Die seit 1976 als Raiffeisenbank Hüls eG firmierende Genossenschaft übernahm 1977 von der Volksbank Kerken eG die Geschäftsstelle Tönisberg. Im gleichen Jahr begannen die Bauarbeiten für ein neues Bankgebäude in der Tönisberger Straße, das ein Jahr später bezogen werden konnte. 1983 verschmolz die Raiffeisenbank Hüls mit der am 18. März 1921 gegründeten Landwirtschaftlichen Bezugs- und Absatzgenossenschaft Hüls eG sowie mit der Volksbank St. Hubert eG. Diese wurde am 12. Juni 1891 – im selben Jahr wie die Hülser Kreditgenossenschaft – von 37 Einwohnern im Gasthaus von Heinrich Greven als St. Huberter Spar- und Darlehnskassen-Verein eGmuH gegründet.
Bereits 1925 übernahm die St. Huberter Kreditgenossenschaft die Ländliche Bezugs- und Absatzgenossenschaft St. Hubert. In jenem Jahr hatte die Kreditgenossenschaft 103 Mitglieder, 1948 53 Mitglieder. 1928 wurde die Bezeichnung "Verein" aus der Firmierung gestrichen.

1954 beteiligte sich die Spar- und Darlehnskasse an der neu gegründeten Kreis-Kempener Edelobstzentrale eGmbH, welche sie schließlich 1957 übernahm. Ein Jahr nach der Übernahme änderte die Genossenschaft ihre Rechtsform in die der eGmbH.

1961 übernahm die St. Huberter Genossenschaft die Nachbargenossenschaft Orbroich (gegr. 29. Januar 1895) und 1965 die Ländliche Bezugs- und Absatzgenossenschaft Kempen-Schmalbroich, welche bereits 1950 die Bäuerliche Werkgenossenschaft Schmalbroich (gegr. 28. Februar 1935) übernommen hatte. Von 1954 wuchs die Mitgliederzahl von 108 auf 343 im Jahr 1965. 1960 hatte die Genossenschaft 218 Mitglieder.

1975 firmierte die Kreditgenossenschaft in Volksbank St. Hubert eG um. 1983 firmierte die Genossenschaft als Raiffeisen-Volksbank Hüls-St. Hubert um.

1992 übernahm die Raiffeisen-Volksbank Hüls-St. Hubert die Volksbank Vorst eG sowie die Volksbank St. Tönis eG. Es entstand die Volksbank Hüls-Tönisvorst eG.

Vier Jahre später folgte die Fusion mit der Raiffeisenbank Uerding-Fischeln eG, welche auf eine Genossenschaft aus Uerdingen zurückgeht und 1987 die am 1. Juli 1904 gegründete Spar- und Darlehnskasse Fischeln eG übernommen hatte, welche am 1. Juni 1904 als Fischelner Spar- und Darlehnskassen-Verein gegründet worden war.

Der Name Volksbank Hüls-Tönisvorst eG blieb erhalten.

Geschichte der Volksbank Krefeld von 1897 eG
Die Volksbank Krefeld von 1897 eG hat ihren Ursprung in der am 13. Mai 1897 gegründeten Innungsbank eGmbH.
1918 änderte die Bank ihren Namen in Bank für Gewerbe und Hausbesitz eGmbH. 1897 hatte die Genossenschaft 101 Mitglieder. Die Zahl stieg bis 1921 auf 742.
1922 wurde der Namen in Gewerbe- & Handelsbank eGmbH Krefeld geändert.

Während der Währungsreform 1923 war die Gewerbe- und Handelsbank das einzige Kreditinstitut in Krefeld, das bei der Einführung der Reichsmark weiterhin Kundengelder entgegennahm. Zwischen 20 und 25 Mitarbeiter waren Tag und Nacht damit beschäftigt, das körbeweise angelieferte Papiergeld zu sortieren. Zeitgleich musste das Notgeld an den Ausgabeort gebracht und in Reichsmark zurückgetauscht werden.

1924 hatte die Genossenschaft 815 Mitglieder.
1926/27 schloss die Genossenschaft 67 Mitglieder aus, da diese der wiederholten Aufforderung zur pflichtmäßigen Einzahlung auf den neuen Goldmarkanteil nicht nachgekommen waren. Zwischen 1925 (814 Mitglieder) und 1931 (541 Mitglieder) verlor die Bank ein Drittel ihrer Kunden, da viele Mitglieder den satzungsmäßigen Verpflichtungen nicht nachkommen konnten.
Diese Mitgliederentwicklung führte für die Genossenschaftsbank zu existenziellen Schwierigkeiten, so dass die Erfolgsquote bei der Werbung um neue Mitglieder entscheidend für die weitere Entwicklung der Genossenschaft wurde.
Ihre Werbung richtete die Kreditgenossenschaft u. a. an andere Genossenschaften, an Innungen, den Haus- und Grundbesitzerverein sowie an Einzelhändler. Die Werbekampagnen der Kreditgenossenschaft stießen scheinbar auf positive Resonanz, da sich der Mitgliederbestand vergrößerte.
1928 konnte bereits die Fassade des Innungshauses erneuert werden und den Mitarbeitern ein Weihnachtsgeld in der Höhe eines halben Monatsgehaltes gezahlt werden.
Die schwierige wirtschaftliche Lage stellte die Genossenschaft 1929 vor neue Herausforderungen. Infolge des Umstrukturierungsgesetzes vom 29. Juli 1929 – durch das Krefeld zur Doppelstadt Krefeld-Uerdingen vergrößert wurde – war die Bevölkerungszahl im Geschäftsgebiet der Kreditgenossenschaft gestiegen. Um den potentiellen neuen Kunden ihren Service anbieten zu können, musste das Bankgeschäft umstrukturiert werden.

Die schwere Bankenkrise 1931 überstand die Kreditgenossenschaft relativ unbeschadet.
1932 wurde der Name mit dem Zusatz "Bank und Sparkasse des Mittelstandes" erweitert. Hierin spiegelt sich die verstärkte Hinwendung zum Sparkassengeschäft – in den Geschäftsberichten 1933 und 1934 findet sich der Name "Gewerbe- und Handelsbank eGmbH Krefeld - Sparkasse des Mittelstandes". 1936 wurde der Zusatz "Mittelstand" gestrichen. Zudem setzte sich immer mehr die Bezeichnung "Volksbank" durch.
1940 wurde der Zusatz "Sparkasse seit 1897" in "Sparbank seit 1897" geändert, da der Verband nach Kriegsende die Bezeichnung "Sparkasse" verbieten wollte. So einigten sich Vorstand und Aufsichtsrat in einer Sitzung am 11. Oktober 1940, den Namenszusatz sofort zu streichen.

Das eigentliche Ziel des Rheinischen Genossenschaftsverbandes in Köln, die Firmierung "Volksbank" durchzusetzen, fand im Aufsichtsrat keine Mehrheit. 1942 wurde der Name schließlich in Volksbank Krefeld eGmbH geändert. Kriegsbedingt war ab 1942 kein normaler Geschäftsverkehr mehr möglich. Die praktische Umsetzung der Umfirmierung in "Volksbank" scheiterte schließlich an der Schwierigkeit, Buchstaben und ein Volksbankabzeichen für die Hausbeschriftung zu beschaffen. Nach einem Bombenangriff im Jahr 1943 musste die Genossenschaft die alten repräsentativen Geschäftsräume in der Friedrichstraße aufgeben. Das Bankgeschäft wurde zunächst in den Räumen der Deutschen Bank weitergeführt.
Nach Einzug der amerikanischen Alliierten wurden alle Bankinstitute in Krefeld geschlossen. Am 19. März 1945 genehmigte die Militärregierung der Genossenschaft die Wiederaufnahme des Bankgeschäftes.

1949 bezog die Genossenschaftsbank ein Gebäude in der Friedrichstraße, das Haus der Städtischen Sparkasse gegenüber der ehemaligen Repräsentanz. Am 21. März 1949 beschloss die Generalversammlung den Wiederaufbau des alten Bankgebäudes Friedrichstraße 25, in dem die heutige Volksbank Krefeld eG ihren Sitz hat. Bereits 1956 konnte das Gebäude wieder bezogen werden.
1969 wurde die erste Geschäftsstelle in der Gladbacher Straße im Gebäude des Obermeisters der Fleischerinnung eröffnet.
1975 wurde diese Zweigstelle in einen Neubau auf der Ecke Gladbacher Straße/Buchenstraße verlegt. Zwei weitere Geschäftsstellen wurden 1970 in Oppum (Maybachstraße) und in Linn (Hafenstraße) eröffnet.
Ein Jahr später folgte die Eröffnung der Geschäftsstelle Oppumer Straße/Ecke Florastraße.
Die Geschäftsstelle Bockum (Uerdinger Straße) nahm am 21. Februar 1975 den Geschäftsbetrieb auf.

Von 1979 bis 1983 konnte die Bank einen Bilanzzuwachs von fast 60 Prozent (1979: 159,9 Mio. DM; 1983: 255,6 Mio. DM) und einen Mitgliederzuwachs von ca. 22 Prozent (1979: 5.137 Mitglieder; 1983: 6.275 Mitglieder) verzeichnen. 1993 bilanzierte die Genossenschaftsbank 214,058 Mio. DM. Die Zahl der Genossen betrug 5.470.

Geschichte der Volksbank Brüggen-Nettetal eG
Die Volksbank Brüggen-Nettetal eG hat ihren Ursprung in dem am 3. Januar 1895 gegründeten Lobbericher Spar- und Darlehenskassen-Verein eGmuH (eingetragene Genossenschaft mit unbeschränkter Haftung).
Zudem wurde der Hinsbecker Spar- und Darlehenskassen-Verein 1895 in der Rechtsform einer eingetragenen Genossenschaft mit unbeschränkter Haftpflicht gegründet. Zwei Monate später hatte der Verein schon 75 Mitglieder. Jedoch erlitt der Verein auch negative Zeiten, in dem er um seine Existenz kämpfen musste.

Am 18. November 1896 wurde der Borner Spar- und Darlehenskassen-Verein eGmuH gegründet und wies einen Mitgliederbestand von 63 auf.
Sechs Monate später kam es zur Gründung des Brachter Spar- und Darlehenskassen-Vereins.

Der Spar- und Darlehenskassen-Verein Breyell wurde 1897 im Haus des ersten Rendanten Theodor Thoneick gegründet. Die Geschäftsstelle befand sich in diesem Gebäude bis 1920. Bei der Gründung gab es ein vorgedrucktes Protokoll mit Textlücken, das vermutlich vom Rheinischen Bauern-Kredit-Verein GmbH in Kempen herausgegeben wurde.
Der Erste Weltkrieg hatte so gut wie keinen Einfluss auf die Mitgliederzahlen des Breyeller Spar- und Darlehenskassenvereins. Dagegen spiegelt sich der Erste Weltkrieg deutlich in den Bilanzzahlen wider. Einnahmen und Ausgaben waren bei Kriegsende etwa viermal so hoch wie bei Kriegsbeginn. Der Grund liegt in der schon begonnenen Geldentwertung.

Durch die Unterzeichnung der Statuten von 25 Interessenten, bildete sich am 26. November 1899 der Leuther Spar- und Darlehenskassen-Verein eGmuH.
1900 entschlossen sich Brüggener Bürger zur Gründung der Brüggener Spar- und Darlehenskassen-Vereins eGmuH.

Am 6. Februar 1905 wurde der Spar- und Darlehenskassen-Verein Kaldenkirchen in der Gastwirtschaft Küppers an der Kehrstraße gegründet.

Die Brachter, Brüggener und Borner Spar- und Darlehenskassen-Vereine waren in den ersten Jahren die Alleinigen vor Ort und ihr Wirkungskreis war nur auf Mitglieder beschränkt. Die Spar- und Darlehenskasse Schaag eGmuH wurde 1913 gegründet.

Am 29. August 1924 wurden Gesetze zur Ordnung des Geld- und Währungswesens verabschiedet. Neue Währungseinheit in Deutschland wurde die Reichsmark. Die meisten Genossenschaftsbanken hatten kein eigenes Vermögen mehr und standen ohne Fremdmittel da. Obwohl auch die genossenschaftlichen Zentralkassen wieder von vorne anfangen mussten, versuchten sie ihren Mitgliedern zu helfen, allerdings zu happigen Konditionen.

Um 1920 wurde die Firmenbezeichnung aufgrund der geänderten Rechtsform von "Spar- und Darlehenskassen-Verein" auf "Spar- und Darlehenskasse" verändert. Zum Beispiel wurde 1923 in der Generalversammlung des Lobbericher Spar- und Darlehenskassen-Verein die Umfirmierung in "Lobbericher Bank eGmuH zu Lobberich" beschlossen. Des Weiteren wurde bei der Generalversammlung der Spar- und Darlehenskasse Bracht um 1928 ein neuer Name der Firma "Spar- und Darlehenskasse eGmuH zu Bracht Niederrhein" mit einstimmiger Mehrheit angenommen.

1955 wurde der Name "Spar- und Darlehenskasse" in "Raiffeisenkasse" verändert.

Im Jahre 1969 eröffnete die Verschmelzung der Raiffeisenkasse Brüggen in die Spar- und Darlehenskasse Born das Treiben der Fusionen von Genossenschaftsbanken am Niederrhein. Die Firma einigte sich auf den Namen Spar- und Kreditbank Brüggen-Born.

Um 1970 fusionierte die Spar- und Kreditbank eGmbH Breyell, wie schon vorhergesehen, mit der Spar- und Darlehenskasse Bracht eGmbH zur Spar- und Kreditbank Nettetal. Sechs Jahre später schloss sich die Spar- und Darlehenskasse Schaag eG dieser an.

Bei der Generalversammlung am 8. November 1974 firmierte die vorherige Spar- und Darlehenskasse Hinsbeck eGmbH als Spar- und Darlehenskasse Hinsbeck eG, Nettetal. Schon 1975 fanden Fusionsgespräche mit Nachbarkreditgenossenschaften statt. 1976 stimmte die Hinsbecker Generalversammlung dem Zusammenschluss mit der Spar- und Darlehenskasse Lobberich eG zu. Die neue Firma lautet nunmehr: Volksbank Nettetal eG. Im Jahre 1977 fusionierte diese mit der Leuther Spar- und Darlehenskasse eGmbH. werdenden Wettbewerbes, kam es am 2. Juni 1989 zu einer Verschmelzung der Spar- und Kreditbank Brüggen-Born mit der Spar- und Kreditbank Nettetal. Beide Banken einigten such auf den Namen der Spar- und Kreditbank Brüggen-Nettetal eG.
Der Schwerpunkt der Aktivitäten der Spar- und Kreditbank Brüggen-Nettetal eG ist der regionale Markt, was den Blick auf darüber hinausgehende Märkte aber nicht verschließen darf. Den ersten Schritt machte man mit der Verschmelzung der Raiffeisenbank Nettetal eG (Kaldenkirchen) 1997. Es folgten dann 1999 die Verschmelzungen der Institute Hinsbeck, Leuth und Lobberich zur Volksbank Brüggen-Nettetal eG.

Engagement und soziale Verantwortung
Die Ansätze der Genossenschaftsbanken gehen auf die Grundsätze der Selbsthilfe, Selbstverantwortung und Selbstverwaltung von Franz Hermann Schulze-Delitzsch und Friedrich Wilhelm Raiffeisen aus der Mitte des 19. Jahrhunderts zurück.
Geprägt durch diesen Genossenschaftsgedanken engagiert sich die Volksbank Krefeld eG in der Region für soziale Projekte sowie für Kunst, Kultur, Sport, Jugend und Freizeit.

Literatur
 Eine Bank stellt sich vor. Raiffeisenbank Hüls, o. O. o. J.
 75 Jahre Spar- und Darlehnskasse eGmbH Hüls bei Krefeld. 1891-1966, 1966.
 Raiffeisen-Volksbank Hüls-St.Hubert eG. 1891–1991. 100 Jahre RV-Bank. Sie und wir auf einem Weg, 1991.
 50 Jahre Volksbank Krefeld eG, 1947.
 100 Jahre Volksbank Krefeld. 1897-1997. Eine Chronologie, 1997.
 Festschrift zum 75jährigen Bestehen der Spar- und Darlehnskasse eGmbH St. Hubert, St. Hubert 1966.
 90 Jahre Volksbank St. Hubert. 111. Generalversammlung am 11. Juni 1981. 90 Jahre genossenschaftliche Selbsthilfe, 1981.

Weblinks

 Internetseite der Volksbank Krefeld eG

Einzelnachweise

Krefeld
Unternehmen (Krefeld)

redpajama_set_name: RedPajamaWikipedia


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needed something to withstand almost 300 ft/lb of torque on a 3/4" drive wrench. This did the job perfectly, and Tyler had it in my hands within 3 days of ordering it. Great job guys!!!


Steven C. Flashner, MD, has been recognized by Philadelphia Magazine as a Top Doc for 2018.
Dr. Steven C. Flashner is board certified in Urology and has been recognized by Philadelphia Magazine as a Top Doc for 2018. He graduated from Thomas Jefferson University School of Medicine and completed his residency and fellowship at Duke University Medical Center. He performs surgery at Doylestown Hospital and the Doylestown Surgery Center.


text:
On the Ukrainian frontlines in Zaporizhzhia
CBC's Chris Brown joins Ukrainian soldiers in Zaporizhzhia, Ukraine, to witness first-hand the war efforts to push back on Russia's presence there. Military experts say the region is likely the next big battle of the war, as it's important to both countries. Watch The National live on YouTube Sunday-Friday at 9 p.m. ET Subscribe to The National: https://www.youtube.com/user/CBCTheNational?sub_confirmation=1 Connect with The National online: Facebook | https://www.facebook.com/thenational Twitter | https://twitter.com/CBCTheNational Instagram | https://www.instagram.com/cbcthenational More from CBC News | https://www.cbc.ca/news The National is the flagship of CBC News, showcasing award-winning journalism from across Canada and around the world. Led by Chief Correspondent Adrienne Arsenault and Ian Hanomansing, our team of trusted reporters help you make sense of the world, wherever you are. The National was named Canada's Best National Newscast by the Canadian Screen Awards and RTDNA Canada.
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This is a nice book of 10 short illustrated stories, all with a lesson for children.
This is a hardcover book with many pages of illustrations.
The book was printed by Dolphin Books in Beijing in 1987. It measures 18.5cm (7.25 inches) x 21cm (8.25 inches).


text:
Download Tom Clancy's Op-Center: Scorched Earth (Tom Clancy's Op-Center, 15) ePub/PDF/Kindle books
Tom Clancy's Op-Center: Scorched Earth (Tom Clancy's Op-Center, 15)
Tom Clancy's Op-Center: Scorched Earth (Tom Clancy's Op-Center, 15) -
In this gripping thriller from the New York Times bestselling author of Out of the Ashes, an Islamic extremist is on a quest for vengeance after his only son is killed and it's up to Op-Center to stop his lethal plot.
General Bob Underwood―a special presidential envoy for the Global Coalition to Counter ISIL―is en route to the Syrian city of al-Bukamal when a rocket-propelled grenade strikes the side of his Humvee and the heavily armored convoy comes under attack. The general's bodyguard is brutally murdered, and Underwood himself is kidnapped. Hours later, the President and top officials watch in horror from the Oval Office, as the general is viciously beheaded by an ISIL leader―broadcast on live television through a direct feed from Al Jazeera.
The world is stunned by the bloody scene, but even more so that this supposedly loose-knit terrorist organization was able to orchestrate a lethal attack on the world's most powerful military. American forces goes into high gear on land and sea to retaliate, but when the ISIS leader's son is killed in an American bombing raid, his rage knows no bounds and he determines to wreak vengeance on the American homeland itself.
With everything in the balance, Op-Center must assemble both its domestic strike force, as well as its international intervention force―built around a seasoned squad operating out of the secretive unit that captured Osama bin Laden―to stay one step ahead of a ruthless enemy.
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In this gripping thriller from the New York Times bestselling author of Out of the Ashes, an Islamic extremist is on a quest for vengeance after his only son is killed and it's up to Op-Center to stop his lethal plot. Queen Maxima's royal birthday cookie recipe revealed - and they look so decadent - HELLO! Tom Clancy's Op-Center: Scorched Earth (Tom Clancy's Op-Center, 15). Neve turns two! Jacinda Ardern bakes homemade cake for daughter's birthday - Starts at 60 General Bob Underwood―a special presidential envoy for the Global Coalition to Counter ISIL―is en route to the Syrian city of al-Bukamal when a rocket-propelled grenade strikes the side of his Humvee and the heavily armored convoy comes under attack. The general's bodyguard is brutally murdered, and Underwood himself is kidnapped. ✅ [Read or Download] Tom Clancy's Op-Center: Scorched Earth (Tom Clancy's Op-Center, 15) Full Books [ePub/PDF/Audible/Kindle] Hours later, the President and top officials watch in horror from the Oval Office, as the general is viciously beheaded by an ISIL leader―broadcast on live television through a direct feed from Al Jazeera. The world is stunned by the bloody scene, but even more so that this supposedly loose-knit terrorist organization was able to orchestrate a lethal attack on the world's most powerful military. Free Joint to access PDF files and Read this Tom Clancy's Op-Center: Scorched Earth (Tom Clancy's Op-Center, 15) ⭐ books every where. Over 10 million ePub/PDF/Audible/Kindle books covering all genres in our book directory. American forces goes into high gear on land and sea to retaliate, but when the ISIS leader's son is killed in an American bombing raid, his rage knows no bounds and he determines to wreak vengeance on the American homeland itself. With everything in the balance, Op-Center must assemble both its domestic strike force, as well as its international intervention force―built around a seasoned squad operating out of the secretive unit that captured Osama bin Laden―to stay one step ahead of a ruthless enemy.
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Shaw and Partners has named Martin Crabb as its new chief investment officer to oversee the development of products and services for clients.
Mr Crabb had been Shaw and Partners' head of research for six years, the statement said. Head of equities Mike Ryan will assume responsibility for the institutional and research functions within the business.
Shaw and Partners co-chief executive Earl Evans said the firm's investment offering is now significantly broader and it has become important for Shaw and Partners to have a dedicated CIO.
"We have been allocating significant resources, for some time, to ensure we have the right mix of investment choices for both our advisers and our clients, and we have made the decision that this needs to be strategically overseen by someone with the knowledge and the experience to broaden both the reach and the scope of our advice and our product offerings," he said.
Mr Evans added the growth in the firm's adviser numbers is due to its offering.
"We have been able to attract some of the best advisers and institutional investment specialists in the market because we have been very clear from the outset that we want to provide our clients with an evolving, comprehensive and value enhancing offering," he said.


There's an old saying that with age comes wisdom, and perhaps that's also where the name for our extra set of molars came from: in other words, your "wisdom teeth." These extra molars emerge typically when a patient reaches adulthood around ages 18 to 20. However, a majority of patients will not have the space in their smile to accommodate these new teeth so late in life. As a result, the common solution is simply to have them surgically removed to avoid having the wisdom teeth form impactions against your other teeth. We offer this service for all patients in the South Bend, Kokomo, Fort Wayne, Northwest Ohio, and Southwest Michigan areas.What is a Wisdom Tooth?
Wisdom teeth are a set of molars that emerge later in a patient's life, around their late teens or early twenties. Commonly, there is little to no room for the teeth to emerge properly, and so has garnered a negative reputation. They're often the source for the discomfort when patients experience jaw pain, teeth crowding, and more as a result. To save the patient's smile and prevent further damage, it's advised that these teeth be removed by an experienced dental professional.
What Types of Wisdom Tooth Impactions Occur?
Wisdom teeth can come in at different angles and positions, and if they press against another tooth it's known as an impaction.
Distal Impaction: This impaction occurs when the wisdom tooth is angled away from the adjacent teeth towards the back of the mouth, but the roots of the wisdom tooth may be pressing against the tooth.
Mesial Impaction: A mesial impaction occurs when the wisdom tooth is angled in such a way that the crown of the tooth is pressed against the side of the adjacent molar.
Horizontal Impaction: In this position, the wisdom tooth is lying completely on its side, pushing against the adjacent molar.
Vertical Impaction: The wisdom tooth may or may not be touching the neighboring tooth, but is positioned relatively normally.
Keep in mind that wisdom teeth sometimes don't erupt, but lie under the gums, and other times they emerge slightly in what's known as a partial eruption.
The first step is to consult with Dr. Hazen about the state of your wisdom teeth and determine if your teeth need to be removed. As this is a surgical procedure, the degree of sedation dentistry necessary depends on a few factors: the patient's overall health, the position of the wisdom tooth impaction, the complexity of the procedure (nerve endings, roots, etc), and how many teeth need to be extracted. If only one or two wisdom teeth need to be removed, local anesthesia or light sedation may be all you need to feel no pain during the procedure. For the removal of all four wisdom teeth, a deeper form of sedation may be used so the patient feels no pain or has any memory of the procedure. In either case, we highly recommend that a friend or family member transport you to and from our practice, for your safety.
Whether you or your child need to have their wisdom teeth removed, trust in Dr. Hazen and our team to safely and efficiently remove them for a lifetime of healthier smiles. Don't hesitate to contact us today to learn more about how to qualify and how our advanced technology can make evaluation and your consultation simpler.


Château Pontet-Canet is located in the heart of the Pauillac appellation, just south of châteaux Mouton Rothschild and d'Armailhac. It has the poor gravelly soil typical of the greatest vineyards. In fact, the soil has so much gravel and sand that it is difficult to imagine that anything could grow there at all. The 80-hectare (200 acres) estate is predominately planted with Cabernet Sauvignon, the signature variety for the great wines of Pauillac. This demanding grape is perfectly adapted to Pauillac's climate and soil. It produces full-bodied, well-structured, long-lived wines famous for their finesse and elegance. In keeping with a longstanding Médoc tradition, it is blended with Merlot and Cabernet Franc, which add a touch of smoothness and charm. In certain vintages, Petit Verdot can also be counted on to contribute complexity.
Pontet-Canet has always been a legendary Médoc. It is deep ruby-red, crimson, and sometimes almost black colour and has a characteristic bouquet of black fruit (especially blackcurrant), liquorice, and prune as well as fig, cedar, and sometimes cocoa overtones. Pontet-Canet combines power and elegance, as well as concentration and fullness on the palate. Rather sinewy in style, Pontet-Canet is clearly a classical wine with a tannic structure that provides excellent ageing potential.
Very deep color. Fresh aromas possessing an incredible purity, with mineral, fruit, and flower notes which come together harmoniously.
In the mouth the wine shows impressive finesse with silky tannins. This is an enchanted meeting of a great terroir with biodynamics.


Olga O'Donnell, 88, of Kearny died on 4/13/12 at her home.
Visiting will be at The Armitage & Wiggins Funeral Home 596 Belgrove Drive, Kearny (map/directions) Monday 3-7PM. A Mass of Christian Burial will be officiated on Tuesday at 10:30AM at St. Stephen's Church, Kearny (map/directions). Interment Private.
Mrs. O'Donnell worked as a secretary at Linen Thread Company, Kearny before leaving to raise her family.
Beloved wife of the late Frank O'Donnell (2007). She is the mother of Barbara Czeizinger, Lynne (Douglas) Cambria and Robert O'Donnell and his companion Vicki Nuess. Sister of Stanley (Ruth) and Edmund (Dorothy) Milewski. Grandmother of Catie, David, Michael and Courtney. Great grandmother of Logan.
Visiting - Armitage & Wiggins Funeral Home, Kearny - 3:00 - 7:00 p.m.
Mass of Christian Burial - St. Stephen's Church, Kearny - 10:30 a.m.


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