CD Withdrawal Terms: What are Certificate of Deposit Withdrawal Terms?
CD Withdrawal Terms: What are common CD withdrawal terms?
CDs are a great way to build financial portfolios. Investors can gain money over time, as long as they keep their investments for the terms agreed. Investors who withdraw their money before maturity may find themselves losing a great deal of money in the process. It is always good to know what the original terms are before withdrawing money from CDs. Investors should also find CDs that fit their personal needs so that they do not have to pay expensive fees to withdraw their money.
Six months interest on CD terms of 2 years or more, accrued or not.
Withdrawing money before maturity may cost investors interest and principle in some cases. Financial institutions depend on their customers' money to operate. Fees may be hefty to deter investors from withdrawing money before the maturity date.
Ownership of IRA CDs by investors who are 59 ½ years of age.
CDs offered by deposit brokers or purchased through brokerage firms do not have withdrawal penalties. Investors may want to do some research on these investments types to eliminate withdrawal fees.
Additional Withdrawal Fees – Some financial institutions charge an additional fee other than the accrued or non-accrued interest charged. For example, a financial institution may charge a $50 fee in addition to a percentage or fixed amount of interest to withdraw fees. The fees and the interest may cut into the principle amount that investors originally deposited. Investors must make sure that they are aware of these fees before opening CD accounts.
CD Withdrawal Fees That Affect Principle – People invest their money in CDs because they are safe investments. Investors are guaranteed to see returns on their principle, as long as they leave the money in the financial institution according to the agreed terms. Some banks write terms into the agreement that can cost investors some of their principle investment. Financial institutions that charge investors a percentage of their withdrawal amount pay more interest than has accrued. Investors lose some of their principle interest when this happens.
Terms That Charge Fees on Non-Accrued Interest – Non-accrued interest is the interest that CDs would have made if investors kept the money in the accounts for the full term. If investors see this feature in their terms, they should look for CDs in other places. Most people enter CD agreements with the full intention of keeping them it until maturity. When financial issues arise, investors want the option to withdraw their money that costs them the least amount of money.
Invest in CDs at online or Internet banks. These financial institutions may not get much publicity because many people may not know that they exist. These financial institutions may offer more lenient withdrawal terms as a way to generate new business.
Search for terms online and locally before committing. Investors may be able to find better terms by taking time to search their options. Some financial institutions may offer higher rates but horrible withdrawal terms. Investors must not get too caught up in the rates because bad withdrawal terms can cost investors some of their principle investment.
Negotiate Withdrawal Terms – Investors with large investments may be able to negotiate their withdrawal terms. Financial Institutions want their money so they will do what they can to keep their business.
Try Personal Financial Institutions – Investors may be able to get the best withdrawal terms from their own personal banks. The personal relationships may play a role in whether investors receive the withdrawal terms that that want.
CD withdrawal terms are definitely something that investors need to look at before investing. Bad withdrawal terms may cost investors much of their beginning investment. Investors choose CDs because they are reliable ways to grow money. Investors must read all of the fine print in their agreements to prevent a potential financial disaster.


text:
import { ChunkTransform } from '../../transform';
import { Range } from '../../types';
import { parse, walk } from '../../acorn';
import { VariableDeclaration } from 'estree';
import MagicString from 'magic-string';

export default class ConstTransform extends ChunkTransform {
  public name = 'ConstTransform';

  /**
   * When outputting ES2017+ code there is neglagible differences between `const` and `let` for runtime performance.
   * So, we replace all usages of `const` with `let` to enable more variable folding.
   * @param code source following closure compiler minification
   * @return code after removing the strict mode declaration (when safe to do so)
   */
  public async pre(fileName: string, source: MagicString): Promise<MagicString> {
    const code = source.toString();
    const program = await parse(fileName, code);

    walk.simple(program, {
      VariableDeclaration(node: VariableDeclaration) {
        const [start, end]: Range = node.range as Range;
        if (node.kind === 'const') {
          source.overwrite(start, end, code.substring(start, end).replace('const', 'let'));
        }
      },
    });

    return source;
  }
}

redpajama_set_name: RedPajamaGithub


text:
Seasoned Sheraton Hand to Debut Nha Trang Hotel This Summer
Feb 6, 2009 1:00am
Scott Hodgetts
Two years after leaving Vietnam for a stint as general manager of the Sheraton Bandung Hotel and Towers in Indonesia, Scott Hodgetts has returned to launch the 281-room Sheraton Nha Trang Hotel and Spa, Sheraton's third property in Vietnam. The veteran Sheraton executive expects to open the five-star beach hotel in July. In his first Vietnam post, Hodgetts worked three-and-a-half years at the Sheraton Saigon Hotel & Towers, initially as the hotel's operations manager and then as the executive assistant manager. The Australian kicked off his hospitality career with Sheraton as an accountant at the company's Hobart hotel, and subsequently rose through the ranks with additional postings in Australia, Indonesia, China, Hong Kong and New Zealand.
Nha Trang Hotel has eight categories of accommodation ranging from deluxe rooms to executive suites and a single, presidential suite. Its food-and-beverage outlets include Feast, a 180-seat international buffet; Steam n' Spice, an up-market, 102-seat dim sum and noodle restaurant (a first for Nha Trang); the Wine Bar; and a deli. The hotel's full-service spa has nine treatment rooms, as well as separate locker rooms for men and women, each with steam, sauna and whirlpool.
Visit www.starwoodhotels.com.
Hotels Asia Vietnam Tourism
Mark Rogers
Senior Editor - Hawaii, Pacific/Asia

redpajama_set_name: RedPajamaCommonCrawl


Our physiotherapy clinics are conveniently located in Pickering and Milton Ontario, we love serving and reaching out to your community.
At Pro Fusion Rehab, all our physiotherapists and massage therapists are highly experienced in treating variety of conditions.
From the assessment of acute injury through to the ongoing treatment of chronic pain, we have the structure to examine and provide professional care.
Our staff is more than happy to share their knowledge, from injury prevention to daily wellness tips. We would love to help you to regain pain free life.
We work with acute and chronic stages of pain, including injuries related to sports, work and motor vehicle accident.
We take care our communities! If you do not have any insurance, you may qualify for our low-cost rehabilitation program. Please contact us for details.
Our team is staffed with fully licensed therapists with experience treating patients of all ages.
We take different approaches to increase the success rate of healing; our therapists integrate oriental medicine techniques with modem western medicine.
All of our clinics are now registered with most of your insurance companies, let us to help you to submit insurance claims and pre-determinations directly.
Most group insurance policies cover paramedical services include physiotherapy, massage therapy, acupuncture and chiropractic. These services and their specific coverages are usually outlined in a benefits handbook.
If you got injured in a motor vehicle accident in an insured vehicle, by law, you may begin rehabilitation treatments such as physiotherapy, massage therapy or chiropractice as soon as you're able without the delay of waiting for authorization from the insurance company.
Profusion Rehab offers special Community Physiotherapy Care pricing for qualifying members of the community. Please consult with our office to determine if you qualify for special Community Physiotherapy Care prices.


A draft genome of SAR324 bacterium lautmerah10 was assembled from a metagenome of a surface water sample from the Red Sea, Saudi Arabia. The genome is more complete and has a higher G+C content than that of previously sequenced SAR324 representatives. Its genomic information shows a versatile metabolism that confers an advantage to SAR324, which is reflected in its distribution throughout different depths of the marine water column.


At the Instructional Coaching Network Conference held in Macon, GA on September 21st, Michael Perry, the Principal of Greenville Middle School, discussed the school's Milestone data from last year, as well as the best practices and strategies that have been implemented at GMS that have contributed to gains on every single End-of-Grade assessment. We still have a lot of work to do, and we are still not exactly where we want to be. However, we are improving using innovative practices to improve teaching and learning in the building.


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Sarah Silverman Shares Gift From 'Very Thoughtful and Very Cruel' Kate Beckinsale After Michael Sheen Breakup News
"Jesus Is Magic" comedian announced her split from "Masters of Sex" star earlier this week
Tim Kenneally | February 7, 2018 @ 11:22 AM	Last Updated: February 7, 2018 @ 1:30 PM
Apparently, funny women are a type for Michael Sheen.
After Sarah Silverman announced her split with boyfriend Michael Sheen in a hilarious Twitter post, the "Jesus Is Magic" comedian shared that another ex of Sheen, Kate Beckinsale, had sent her a humorous, if somewhat cruelly themed, treat.
"Been ending every night with a microwaved bowl of personalized m&ms given to me by the very thoughtful and very cruel @katebeckinsale to remind me that I'm alone in this world," Silverman wrote in an Instagram post late Tuesday. "So very alone. THANKS, KATE. (Seriously they are so good esp melted which is why the microwave)."
Also Read: Sarah Silverman Hilariously Announces Breakup With Michael Sheen
The post was accompanied by an image of a pile of blue and white M&Ms, each of them emblazoned with an image of the former couple.
Both Silverman and Beckinsale later made clear that Silverman's post was in jest, with Silverman adding to her post, "I'm seeing stuff on twitter about this and need to clear up I'm KIDDING (good lord) she gave me these for Christmas before M & I broke up!!!!"
Beckinsale, meanwhile, responded, "I gave them to you on Christmas Day ! In my house ! When you were together! Of course I support you microwaving his head at any time I just have to make it clear I'm not actually insane . Love you lady."
Beckinsale and Sheen, who dated from 1995 to 2003, have a daughter, Lily Mo Beckinsale-Sheen, together.
Silverman announced her split with Sheen on Monday, tweeting, "The great @michaelsheen & I consciously uncoupled over Christmas. I mean, not 'over Christmas' – like that wasn't the fight that ended it. No fight."
Also Read: Sarah Silverman on Louis CK Scandal: 'I Love Louis' But He 'Did Bad Things' (Video)
In an interesting bit of timing, Silverman made the announcement on Sheen's 49th birthday.
Been ending every night with a microwaved bowl of personalized m&ms given to me by the very thoughtful and very cruel @katebeckinsale to remind me that I'm alone in this world. So very alone. THANKS, KATE. (Seriously they are so good esp melted which is why the microwave)
A post shared by @ sarahkatesilverman on Feb 6, 2018 at 11:21pm PST
8 Stars Who Switched Their Endorsements in 2016 Presidential Race
In 2013, Kid Rock told Fox News anchor Megyn Kelly his pick for president was Dr. Ben Carson. But by the time 2016 rolled around, Rock had switched over to Donald Trump, telling Rolling Stone in February, "Let the business guy run the country like a business."
Reality star and New Kid on the Block Donnie Wahlberg tweeted his support for Carly Fiorina early in the 2016 presidential cycle, calling the former Hewlett-Packard CEO "a strong human being and a strong candidate." But in February the former boy band singer had officially endorsed Marco Rubio.
Comedian Sarah Silverman had not only supported Hillary Clinton in the beginning of the 2016 election cycle, she donated the maximum amount allowed by law -- $2,700 -- to the former Secretary of State's campaign. But on August 13, 2015, Silverman introduced Bernie Sanders before a crowd of 27,000 people at the Los Angeles Sports Arena, giving the Vermont senator a much-needed Hollywood boost.
Actor and comedian Will Ferrell also had a change of heart... but in the other direction. Ferrell, a Sanders supporter, raised eyebrows earlier this month when he was seen stumping for Clinton in Nevada.
A&E's "Duck Dynasty" star Willie Robertson reversed his earlier endorsement, going from Gov. Bobby Jindal to Donald Trump.
In his homage to former President Bill Clinton, "B---- I'm Bill Clinton," Lil B seemed to endorse Hillary Clinton with this line: "Shout-outs to Hillary. You gonna win that presidency." But last July, the California rapper seemed to have changed his mind, officially endorsing Sanders. "As much as I want to a woman leading the USA, right now it's all about Bernie."
James Woods was so convinced Carly Fiorina was his candidate, he even narrarated a documentary about her last September. But by November, the "Ray Donovan" actor pulled his endorsement, tweeting that he's been won over by Sen. Ted Cruz.
Taya Kyle, the widow of "American Sniper" Chris Kyle, endorsed Rick Perry for president last August, suggesting that her late husband might have supported the former Texas governor as well. After Perry dropped out, she switched over to Cruz.
From Sarah Silverman to Will Ferrell and Kid Rock, meet the celebrities who've had a political change of heart
Sarah Silverman Hilariously Announces Breakup With Michael Sheen
By Tim Kenneally | February 5, 2018 @ 1:57 PM
Sarah Silverman on Louis CK Scandal: 'I Love Louis' But He 'Did Bad Things' (Video)
By Ryan Gajewski | November 16, 2017 @ 12:15 PM
Sarah Silverman on Joking About Rape: 'I'm Having a Hard Time Navigating It'
By Ryan Gajewski | October 13, 2017 @ 1:51 PM


"I signed the largest single tax cut in the history of Florida, a $25 billion tax cut over five years, directed at property tax cuts."
By Aaron Sharockman on Tuesday, November 10th, 2009 at 6:02 p.m.
It's become part of Florida Gov. Charlie Crist's firewall when confronted with criticism that he isn't conservative enough.
"I signed the largest single tax cut in the history of Florida, a $25 billion tax cut over five years, directed at property tax cuts," Crist said while speaking to a group of Michigan Republicans in September. "My state goes back to 1845; the largest tax cut since 1845 in the Sunshine State."
Crist touts his tax-cutting record over and over, in news releases, political speeches and in the first radio ad for his U.S. Senate campaign.
The line is good politics. But is it true?
The property tax changes proposed by Crist and the Legislature in early 2007 were sold as the antidote to citizens' complaints that local government spending had spiraled out of control. Crist famously predicted taxes would "drop like a rock."
On June 21, 2007, the governor signed House bills 1B and 5B — the two-pronged tax package.
House Bill 1B required local governments to reduce their property tax rates to 2006 levels and mandated deeper cuts based on how much a local government collected in property tax dollars. The reported savings to taxpayers: $15.6 billion over five years.
House Bill 5B, meanwhile, let voters consider further property tax changes. Also known as Amendment 1, the changes — which included an additional homestead benefit, limited property value increases for non-homesteaded property and created portability for Save Our Homes — were approved by voters in January 2008. The savings: $9.3 billion over five years.
Combined, that's the $25 billion Crist is talking about.
We have to address two questions to see if Crist's claim is right: Are the estimates correct? And do they constitute the largest state tax cut ever?
Caution: The following information is considered highly wonky.
To estimate the financial impact of the 2007 and 2008 property tax changes, analysts at the governor's office first forecast a future as if the changes had not occurred.
The process was relatively simple. Analysts estimated five years of statewide property tax collection information by multiplying a tax rate, which they did not change, by taxable property values, which they grew at 3 to 5 percent a year.
The calculation, analysts said, attempted to replicate the billions of dollars in property taxes Floridians would pay each year if nothing else happened.
With that baseline, analysts next built a world post-tax changes, multiplying an estimated new tax rate by the same property values.
The difference between Year 1 of the first calculation and Year 1 of the second constitutes the governor's estimate of the savings to Florida taxpayers. They did the same math for years 2 through 5, and voila — $25 billion in savings.
No, says David Gamage, an assistant professor at the University of California at Berkeley who specializes in taxation.
The governor's estimates would be accurate only if property tax values increased as analysts predicted and local governments failed to reduce their tax rates, Gamage says.
We will never know what governments would have done to their tax rates, but we do know about property tax values: They've gone down. Taxable property values dropped 15 percent in 2008, according to figures from county property appraisers. Property values are expected to drop again in 2009.
"Even if this policy hadn't been enacted, the future would look different than today," Gamage said.
It's the same reason that a recent Florida Association of Counties report concluded that of the $1.5 billion trimmed from property tax collections at the county level in the past three years, almost half is a result of falling property values, not the Crist-led changes.
When questioned by PolitiFact, the governor's office admitted that its original savings estimates are now likely high and it has not rerun the analysis.
What we do know is this: the Department of Revenue said that as a result of the legislative-mandated tax rate rollbacks, the state's property tax collections fell about $300 million ( page 9 ) from fiscal year 2007 to fiscal year 2008. And property tax collections in total fell an estimated $745 million ( page 163 ) from fiscal year 2008 to 2009, the first year the Amendment 1 changes took effect.
That's a $1.05 billion reduction in property taxes. The governor's estimate predicted $6.1 billion in savings during that same period. If property values fail to increase, the gap will only widen since the changes are estimated to have a bigger impact in later years.
Part of the difference in the numbers is that the governor's office counted future, theoretical increases in tax collections as part of its estimated "tax cut."
And part of the difference is that falling property values wrecked the governor's projections.
Despite inaccurate projections, the governor's office says the 2007 and 2008 tax cuts are still the state's largest.
But what else competes? The governor's analysts point to the repeal of the intangibles tax.
Chiles and repealed entirely in 2006 by Gov. Jeb Bush.
At its height in 1999, it provided the state about $1.2 billion in revenue, according to the Department of Revenue. Adjusted for inflation, that translates to about $1.5 billion in 2007.
That's a bigger tax break than what the Crist-led changes delivered in fiscal years 2007 and 2008, but not more than Crist's rosy projection.
We wondered if anyone previously has claimed to be Florida's tax cut king.
Bush did. In 1999, Bush and the Legislature passed what they called "the largest tax cut in state history." The $1.01 billion plan included further cuts to the intangibles tax, as well as the repeal of a per-drink tax on alcohol, a rollback in the school property tax rate and a reduction in unemployment taxes businesses pay, among other things.
Kurt Wenner, director of Tax Research at Florida TaxWatch, suggested a third tax change that could be considered the state's largest: Save Our Homes.
The amendment to the state Constitution proposed and approved by citizens in 1992 limited increases to the property value of homesteaded property in Florida. While there is debate about whether those savings were offset by people without homestead exemptions, the savings to homesteaded property owners is quantifiable.
From 1996 to 2008, almost $1.9 trillion in property value went untaxed because of Save Our Homes. Using a conservative tax rate of 17 mills, that equates to $32 billion less in property taxes paid — or about $2.66 billion per year without adjusting for inflation. In 2007, the savings was about $7.27 billion and from 2004 to 2008 the estimated savings was more than $26 billion.
Those numbers certainly are bigger than the Crist cuts so far, in reality and in projection.
The governor's office said it did not consider Save Our Homes when it made the claim that the Crist tax changes constitute the state's largest. Officials then provided data that showed the saving in the first years of Save Our Homes was modest. But that's because the large savings came in later years as Save Our Homes protected against increases to properties' taxable value.
Failing to consider Save Our Homes didn't sit well with Ken Wilkinson, the Lee County property appraiser who led the push for Save Our Homes — and supported the Crist-led changes.
"I would say Save Our Homes is the largest tax cut in the history of Florida," Wilkinson said. "There is a savings, you can look it up, and it's real."
Wilkinson and Wenner said you can't ignore Save Our Homes just because it was a citizen initiative. Moreover, the Crist-led changes built off Save Our Homes in two major ways — by making Save Our Homes portable and by creating a Save Our Homes style benefit for commercial and rental properties.
If one's a tax cut, so is the other.
The Crist-led changes to Florida's property tax structure certainly required the lowering of tax rates and assessment values throughout Florida. But there are all kinds of holes in projecting the size and scope of the legislation's impact.
The basis for the governor's estimate assumed a future that did not come to pass. Specifically, the governor's estimates relied on future property values continuing to increase and local governments failing to lower their property tax rate. We now know property values are decreasing.
The governor's office admits its projections are now inaccurate because of declines in property values statewide.
A state analysis concluded that the tax measures have failed to produce the savings estimated by the governor. Portability, for instance, was predicted to cut taxable property values by $11.5 billion in 2008. But it cut property values only $3.4 billion, the analysis showed.
Here's the bottom line: While the tax structure changes passed by the Legislature, signed by Crist and approved by voters undoubtedly will result in less property taxes being paid by Florida residents, the specific financial impact of the initiatives remains quite unclear. Experts say projections can be misleading.
But given the decline in home values, we know Crist will have difficulty reaching his claim of $25 billion over five years.
In the absence of additional data, and with the knowledge that Save Our Homes has cut property tax bills for Florida residents $32 billion or more, we can't agree with Crist that the 2007 and 2008 changes constitute the largest tax cut in state history.
We rule Crist's statement False.


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Q: How to test AlertDialog item click in Robotium for Android Studio I have an AlertDialog as below, I don't know how to test it with Robotium in Android Studio. Can anyone give me a hint for that?
    AlertDialog.Builder alertDialogBuilder = new AlertDialog.Builder(MainActivity.this);

            alertDialogBuilder.setTitle("Select");
            final String[] items = {"Take a picture using carmera", "Choose a picture from Album"};
            alertDialogBuilder.setItems(items, new DialogInterface.OnClickListener() {
                @Override
                public void onClick(DialogInterface dialogInterface, int i) {
                    if (i == 0) {

...
...

A: See this answer to a similar question:

This works for me:
solo.clickOnView(solo.getView(android.R.id.button1));

where the 'Positive' button is android.R.id.button1, the 'Negative'
  button is android.R.id.button2 and 'Neutral' is android.R.id.button3.

It means that for your AlertDialog you would need to use the solo.clickOnView(solo.getView(dialogId)) method.
Check out also this answer to a similar question:

lets say you have some code like this
solo.clickOnView(view1);

solo.clickOnView(view2);

and you know the dialog can appear between these two steps of your test, you can place in code that is something like:
if(solo.waitForView(dialogView, 1000, false)){
    solo.clickOnView(dialogDismissButton);
    solo.clickOnView(view2) //retry the step above
}

redpajama_set_name: RedPajamaStackExchange


text:
Highlights of the route
Agde - le Cap d'Agde
Arrivée à la mer au Cap d'Agde © O. Octobre - GTMC
Cathédrale Saint-Etienne à Agde © ADT Hérault
Port de plaisance au cap d'Agde © ADT Hérault
the Mediterranean sea is here!
Between Agde and Cap d'Agde, Mont Saint-Loup marks the southern end of the Auvergne volcanoes. He cut the coast by creating islets, coves, beaches and cliffs... The city of Agde, the "Perle Noire" is one of the oldest French cities with its 26 centuries of history. It nestles at the crossroads of the Canal du Midi and the Hérault River. The use of anthracite-coloured volcanic stone has shaped its unique identity, unique in Languedoc. Labelled "Villes et Métiers d'Art", shimmering alleys and artists' workshops animate the heart of this city of character with a southern accent. The famous family seaside resort of Cap d'Agde is a vast complex open to the sea, to be discovered on foot or by bike thanks to the maze of pedestrian paths and cycle paths. The "Patrimoine du XXème siècle" label has been awarded to Cap d'Agde for the architectural quality of its facilities in accordance with the shapes and colours typical of Languedoc villages.
Add to a roadbook
Montagnac / Agde
call_split My GPS hotel Accommodation emoji_objects Inspiration favorite_border Roadbook
The GTMC is certified Grande Traversée VTT by the French Cycling Federation
The GTMC is a mountain bike trail that crosses the Massif Central, from Burgundy to the Mediterranean, on a marked route of nearly 1,400 km.


text:
Q: git.Run() had no output I created git repository previously and then I started working on a project which was on the server. I did push and pull just fine. But later on due to some conflicts, I deleted my local repository.
But now whenever I try to create a local repository, I get the following error:
git.Run() had no output.
I didn't found any solution on net after searching a lot.
Don't know what happened with TortoiseGIT and msysgit.

A: Try this:
1.  Uninstall TortoiseGit
2.  Delete TortoiseGit registry using regedit.exe on windows.
3.  Reinstall TortoiseGit
Hope this helps.

A: The issue 667 from TortoiseGit mentions:

I had the problem too and fixed it:
In the TortoiseGit Settings --> General, you have to specify the following folder for "Git.exe Path": "C:\msysgit\bin" and not "C:\msysgit\git" ("C:\msysgit" your individual msysGit-Root)
After clicking on "Check now" the ".dll" should be passed automatically and the versionnumer should be displayed which is not the case if you use the git folder.


How many times in the Bible do those words come out of God's mouth? I used to get discouraged over how difficult that command was to follow. Think about it; if we are gripped with fear, right in the middle of it, then how are we supposed to be able to obey those words? I realized this truth much later: every command, every call to obey and follow His example is infinitely simpler when His Spirit is empowering us to act. God is the first peacemaker, and His words carry breakthrough. If we are willing to listen and obey, then His command to "fear not" will not be a further source of anxiety. It will be a comfort for our souls.
As we read the verse above, notice that God's word of peace is not only received by individuals, but also by the land. This is such an important part of peacemaking to understand. We the saints are blessed with peace for a greater purpose than just our own peace of mind. The community around us will be blessed as well. Glory will dwell in our land when we hear and believe God's spoken word of peace to us.
Peace starts with God Himself, is planted deep inside of our hearts and manifests in the world around us. When we are faithful to walk in God's ways (and "not turn back to folly"), we act as peacemakers ourselves. That is our identity. As surely as I call myself a Christian, I can call myself a peacemaker, because that is a dimension of Christ's character. What a privilege it is to follow His lead and carry peace to my generation.
Naima, thank you so much for your input! You're right. The human will certainly is powerful, and I believe it's even more powerful when we align our will with God's. Glad to have you as a reader.


Part of Monterey Car Week, Legends of the Autobahn is a must go concoures for any German car enthusiast. Considering that CAtuned specializes in German classics, this is one of our favorite shows of the year. Unfortunately our entire team couldn't make it this year, so we sent Denis out to the show. He didn't seem to mad about it. Celebrating BMWs 100 year anniversary, the spot light was on Bavarian Motor Works. From new to old, from race car to fully restored, there was something for everyone. We can talk about Legends of the Autobahn all day, but we would rather show you the pictures. Make sure to come out next year!


Have a great St. Patrick's day and start it out nicely with this intriguing excerpt.
Carley was once the premier chef for kings - the King of the Lightbearers, that is. But when her mate pushes her over a cliff and she miraculously survives, she flees her home, the coterie, knowing he will want to finish the job. She figures hiding in the human world is the best way to ensure her own safety. While working as a chef at one of Chicago's top restaurants, she meets Reid Hennigan, a lone shifter running from his own past. Carley tries to push him away - she wants nothing to do with anyone from the magical community - even a persistent shifter who insists he only wants to show her pleasure. Reid Hennigan is another reject from Quentin Lyons' defunct pack. When he received word his pack master was dead, Reid ran away from his pack, from pack life, having no interest in being forced to be subservient to another abusive pack master. Unfortunately for Reid, shifters are hardwired to desire to be part of a pack, and he finds himself wandering aimlessly through life, with no clear idea of what to do next. When he stumbles upon the shy lightbearer while eating the best steak of his life, he discovers a new lease on life. Reid sets out to woo the beautiful, broken lightbearer. Passion turns to love, and Reid figures his life is pretty damn perfect, despite no longer having a pack. But Carley has secrets of her own, and her secrets could be fatal - to both of them!
When she's not doing that, she's a mom to two (growing far too fast) kids and a furbaby who conveniently forces her to exercise at least once a day. She's also a wife to her own knight in shining armor who proposed in a way worthy of a romance novel. Most of all, she loves to write. She figures it keeps her from going insane. Or at the very least, it keeps strangers from believing she is insane, because if she goes too long without writing the characters down on the computer, she tends to start talking to them. Out loud. Often, in public places. Tami is multi-published, both self and with a few publishers, including Crimson Romance, Liquid Silver Books, and, (as of June 2015) Soul Mates Publishing. Chances are, there is a new book coming out soon. Be sure to stalk her on social media, so you know when. And most important, if you enjoyed one of Tami's books, please let other readers know by leaving a review on the site from which you bought it, or on Goodreads. Otherwise, how will they know which book to read next?
Into the Light is $1.99 through March 25th! Grab it now!


A world class athlete for 17 years, Peter Donohoe OLY competed in two Winter Olympic Games, 3 World Championships and on the international circuit as a track and field athlete.
Today, Peter holds small group and private training at The Barn, coaching people of all abilities including: athletes, dancers, race car drivers, and clients looking for more effective and safer ways to get in great shape. He is also the Fitness & Conditioning Specialist for the Boston Ballet.
Peter has attained fitness certifications from NASM (National Academy of Sports Medicine) and ISSA (International Sport Sciences Association), is Nationally Certified as a race car instructor with the Porsche Club of America, and is currently a competitor on the men's masters rowing team at Community Rowing, in Cambridge.
Peter Donohoe brings a blend of strength, movement, activation and performance that's unique in the training world. A skilled combination that has seen people of all abilities including Olympic athletes and dancers achieve effective and more sustainable results. With 'The Donohoe Method' Peter's clients, understand better functional movement, increased mobility and enhanced performance.
As an Olympian, Strength and Conditioning coach, Corrective exercise specialist and Pilates Instructor, Peter's methodology is influencing the movement of Athletes from many sports. Rowers at Varsity, Elite and Master's level, as they experience efficient and effective performance improvements. Dancers, Lacrosse, Track and Field Athletes, jumpers and Skiers are all experiencing strength improvements.