text:
> Royalty
Prince Charles makes history as he opens NHS Nightingale Hospital in response to COVID-19 crisis
The Prince of Wales paid tribute to those who built the new medical facility
April 03, 2020 - 11:51 BST Danielle Stacey The Prince of Wales officially opened the new medical facility, built at London's ExCel centre, in response to the COVID-19 crisis.
The Prince of Wales made history as he opened the NHS Nightingale Hospital in London via video link from his Scottish home, Birkhall, on Friday. Prince Charles, 71, is the first of his family to carry out a royal opening remotely, amid the coronavirus lockdown in the UK.
READ: Prince George spotted in adorable baby photo in grandad Prince Charles' home office
WATCH: Prince Charles opens NHS Nightingale Hospital by video link
The heir to the throne paid tribute to all those who have worked tirelessly to create the new medical facility at the ExCel conference centre in East London, calling it a "spectacular and unbelievable feat of work". He said: "On behalf of the nation, I want to say a very big thank you to the planners, the builders, the Armed Forces, the generous companies and organisations which have donated equipment and services, and all the support staff, who have made this possible. Also we owe an immense debt of gratitude to the doctors, the nurses, the technicians, the staff – currently working in the health service and those coming out of retirement – and the voluntary workers who will be working within it. I can only offer my special thoughts and prayers to all those who will receive care within it and let us hope that it will not be too long before this terrible disease has left our land."
"It is symbolic of the selfless care and devoted service taking place in innumerable settings, with countless individuals, throughout the United Kingdom."
The Prince of Wales today opened the new NHS @NightingaleLDN hospital via video link from his home in Scotland. 🏥📱 pic.twitter.com/n7t5IYlX41
— Clarence House (@ClarenceHouse) April 3, 2020
The Prince added he was "enormously touched" to have been asked to officially open the hospital before handing over to Natalie Grey, Head of Nursing at the NHS Nightingale, who unveiled a plaque on his behalf to mark the new centre's official opening. A small group representing medical staff, the Ministry of Defence, contractors and volunteers joined the Secretary of State for Health & Social Care, Matt Hancock, and Professor Charles Knight, Chief Executive of NHS Nightingale, at the entrance to the new hospital.
Earlier this week, Clarence House confirmed that the Prince of Wales was in "good health" and was out of isolation after seven days, following his coronavirus diagnosis. The Duchess of Cornwall, whose test came back negative, remained in isolation at Birkhall for the rest of the week.
MORE: Prince Charles opens up about coronavirus experience - watch video
NHS Nightingale Hospital London at the ExCel Centre
Although he suffered from mild symptoms of the virus, Charles described it as a "strange, frustrating and often distressing experience". The Prince recorded a video message on Tuesday at his Scottish home, in support of Age UK in response to the coronavirus health crisis.
NHS Nightingale is a new hospital which will provide support for thousands more patients with coronavirus. Based at the ExCeL conference centre in East London, it will initially provide up to 500 beds equipped with ventilators and oxygen. The capacity will then continue to increase, potentially up to several thousand beds, should it be required.
Make sure you never miss a ROYAL story! Sign up to our newsletter to get all of our celebrity, royal and lifestyle news delivered directly to your inbox.
More about prince charles
Prince Charles and Camilla's home is the film set for the Duchess' new project - take a tour
Prince Charles attends soirée with sweet link to Camilla
Prince Charles and Princess Anne's former holiday home is every child's dream
Breaking news: Prince Charles tests positive for coronavirus
Prince Charles in good health and out of self-isolation, Clarence House reveals
Buckingham Palace announces how the Queen's diary has been affected by coronavirus
George, Charlotte and Louis join nation as they clap for NHS workers
Kate Middleton and Prince William surprise NHS workers with 'morale-boosting' calls
The Queen reassures nation that 'better days will return' during TV broadcast on coronavirus crisis


How do I apply to go on a Brigade?
Please visit the "Apply" tab for instructions on how to fill out and submit an application.
Do I need to know Spanish to be able to go on this trip?
Although having a background in Spanish makes an applicant more competitive, it is not required to know Spanish upon acceptance to this program. However, the course requires students to learn basic Spanish upon class instruction, through which all the resources will be provided for student success.
For an example of the 2016-2017 Spanish learning material and resources, reference the "Brigades Resources" tab.
Where will we be going/staying?
The 2018-209 Brigade(s) will be to Honduras over Spring Break; and Ghana in May of 2019. The compound we will be staying at will not be announced until closer to departure.
Please reference the packing list on the "Brigade Resources" tab. Any additional packing is up to individual students. Follow airport guidelines concerning sizes of bottles in carry-ons and do not bring valuables.
Every student must send in an application which can be found on the Apply tab. Several WVU faculty will also be attending the trip, including Professor Daniel Brewster.
Will I be safe on this trip?
Careful conversation is had between WVU and Global Brigades about the safety of the regions prior to travel. There are regions of Honduras that are known to be unsafe. However, we will be working approximately 4 hours from these regions. We will not be staying in their capital overnight and will only be in the city at the airport upon arrival and departure. Brigades has a history in this country (this is where it began) and they are very conscious of the safety protocols associated with their work. An unsafe country would make their work impossible. Brigaders will stay in groups throughout the trip, and transportation is provided by Global Brigades while in country. Travel insurance is also included in the cost of the trip.
There is a risk of getting sick, as there is for any other trip abroad. It is extremely important to remember to NOT drink tap water or use ice cubes due to a lack of proper water filtration in Nicaragua. Clean, filtered water will be provided for the duration of the trip and sealed drinks are safe as well. A link to necessary vaccinations is provided below.
The Centers for Disease Control and Prevention website lists all vaccines that are required/recommended for travel to Nicaragua. All students going on the trip must provide documentation of vaccines to our Chief Medical Officer.
The Zika virus is present in some regions of Nicaragua, however it is only dangerous if an individual is pregnant. Otherwise, Zika presents only mild symptoms. The CDC's information on the Zika virus can be found here, and it is recommended that students bring an anti-mosquito spray with a high deet percentage.


There wasn't too much going on today because of Martin Luther King Jr. Day. The stock markets were closed and there were parades all over. I filled in for Clark (see the photo our engineer Clint Reed took of me in "Clark's" studio). Still, we were able to help more than a dozen people with their financial problems.
We'll post the show in a few days, so be sure to check back. In the meantime, here are some of the things we talked about today.
We took a couple of calls from folks who need financial planners. Wyn inherited money and wants to pay off her house, but also will have about $75,000 to invest for retirement.
I suggested several times on the show today that if you have a lot of cash and are facing a big decision about investing, you should speak with a fee-only financial planner who can help you make the most of your money.
We had a call from a poet on the show who wanted to know how to get her books published. She was working with a self-publisher and didn't know if she was getting a good deal.
Here are some self-publishing companies that I have heard are pretty good. WARNING: I haven't used these companies and I'm not necessarily endorsing them. But if you look at these companies, and get bids from each of them, you'll start to understand more about the process of self-publishing, what the costs are and what you get.
Keep in mind that my deep down feeling is (as the author of 12 books), your job as an author begins once the books are published. You have to take on all of the marketing involved with selling your book as well.
Also, Amazon has started a self-publishing program for its Kindle. Watch for this to grow over the next few years.
I just like the valuable info you supply to your articles. I'll bookmark your weblog and take a look at once more right here frequently. I'm moderately sure I'll be told plenty of new stuff proper right here! Good luck for the following!


I am thrilled that you are considering Ivy Designs for all of your interior design needs.
I started Ivy Designs in 2001 and have enjoyed working with clients on both large and small projects. I am a graduate of Bowling Green State University with a Bachelor of Science in Business Administration and a recent grad of Sinclair Community College with an Associate Degree of Applied Science in the Visual Communication field of Interior Design.
I have worked in marketing, direct sales and retail sales and find that my love of design has been strengthened by my education and past work experience. I am a new member of the Dayton Society of Interior Designers, as well as, as well as a scholarship recipient of DSID in 2005.
Listening to YOUR needs, wants, and dreams for your home– and helping you to realize– them is the goal of Ivy Designs. I hope to make the transformation of house to beautiful home easy, affordable and fun!
Left: Luxurious fabrics and warm paint colors made the central dining room in this home in a historic district in Dayton rich and welcoming.
Right: The rich wool oriental rugs in the living room and dining room brought a flow of color to the first floor as well as the function of warmth, durability and protection for the newly refinished hard wood floors.


A joint project between the NAD Stewardship and Ministerial Departments, this book is the result ..
Since the earliest days of Adventist mission, reaching the people of the South Pacific has offere..
Daniel lived and worked at the political and administrative hub of two successive world empires -..
"David found himself crashing into Lee a second time. The weight of the backpack unbal..
Is God responsible for both good and evil? Some will tell you there is no God. Others..
"As soon as he got on the bus, David knew the students at the back were talking about him!" Dav..
God Said It introduces children to the Bible. It is designed to help children understand the..
Jack teaches boys and girls that we are all God's children - no matter where we come from or what..
Life is good for some people. Their struggles are minor, their worries manageable. For..
Today, much information can be found online regarding Ellen G. White—some of it true, some of it ..
Suddenly a booming voice rang out. "Mark!" the voice shouted so loud it sounded like an explosion..
A daily Bible-reading guide themed around different biblical topics each month. There are also Bi..
Inspiring stories and insights from the life and ministry of Graham White. ..
We all have problems. It is a fact of life. But in spite of any problem you may be facing, there ..


text:
about marketing
Buy generic klonopin 2mg no prescription - where to buy clonazepam online.
where to purchase clonazepam online ireland
Pathological changes xanax anti anxiety can buy generic klonopin 2mg no prescription be noticed as well in the posterior roots of buy generic klonopin 2mg no prescription the cord and, to lesser extent, in peripheral nerves. Clysters were administered for symptoms of constipation and, with more questionable effectiveness, stomach aches and other illnesses. From this marriage there were six children:Shoplocal is a marketing and advertising service that builds, hosts and maintains catalogs and online weekly ads for retailers. Mebendazole is a highly effective, broad-spectrum antihelmintic indicated for the treatment of nematode infestations, including roundworm, hookworm, whipworm, threadworm, pinworm, and the intestinal form of trichinosis prior to buy generic klonopin 2mg no prescription its spread into buy generic klonopin 2mg no prescription the tissues beyond the digestive tract. Release of Final soundtrack. Europe typically follows the plus cylinder convention while in the US the minus cylinder notation is used by optometrists and the plus cylinder notation is used buy generic klonopin 2mg no prescription by ophthalmologists. Sanders figured that the baby blue would look better on the field and in film. Before issuing electronic prescriptions for controlled substances, practitioners must meet several key requirements. During piercing, the fistula is created by inserting the needle. The church is one of the world's fastest-growing organizations, primarily from membership increases in developing nations. The editor-in-chief is Daniel J. buy generic klonopin 2mg no prescription Various in-game elements were recognised with awards. Joseph Ponte, Corrections Commissioner of Maine, cut supermax prison population by half. Additional to sleep paralysis is hypnagogia. They opened up new worlds for me. Chemoreceptors in the blood stream note the high carbon dioxide levels. Students can use their Mountaineer Card to ride the Mountain Line bus for free. The following buy generic klonopin 2mg no prescription year he was sentenced to 70 years in prison. As the world is becoming increasingly buy generic klonopin 2mg no prescription connected via the power of the Internet, political cheap clonazepam 1mg online legitimate movements, including militant groups, have begun to see social media as a major organizing and recruiting tool. People who saw her during the end of that year and early 2006 reported a rebound that coincided with the writing of Back to Black. Spitzer also posits that the new culture-bound diagnoses are rarely used, maintaining that the standard diagnoses apply regardless of the culture involved. The goal of the renovation was to incorporate new technology and redesign the seating to better meet the needs of students who carry laptops and backpacks. October 17, 2009, and was later found deceased buy generic klonopin 2mg no prescription in the hospital; an autopsy confirmed his cause of death as coronary buy generic klonopin 2mg no prescription artery disease. The following are the four steps in traditional die casting, also known as high-pressure die casting, these are also the basis for any of the die casting variations: Alaska Federation of klonopin 1mg prescription guidelines Natives, the rate of sexual violence in rural villages like Emmonak is as much as 12 times the national rate. Proximity to the larger cities of Mumbai, Surat, Vadodara, and Ahmedabad, coupled with liberal Government policy, has helped Vapi and surrounding areas attain their current level of industrial activity. While chaulmoogra oil had previously been used for leprosy, however Alice Ball revolutionized it and made it injectable by discovering the ester buy cheap clonazepam 2mg online legally from canada ethyl form, meaning that buy generic klonopin 2mg no prescription it was water soluble and able to dissolve in the bloodstream. Cocaine and various opiates were subsequently mass-produced and sold openly and cheapest generic klonopin 2mg legally in the Western world, resulting in widespread misuse and addiction. Eminem and the single sold a record 418,000 downloads in its first week. You're familiar with the vitamin regimen? While working on the olefins he noticed that a change takes place in the density of the vapor of amylene hydrochloride, hydrobromide, &c, as the temperature is increased, and in the gradual passage from a gas of approximately normal density to one where to buy klonopin 1mg online with prescription of half-normal density he saw a powerful argument in favor of the view that abnormal vapor densities, such as are exhibited by sal-ammoniac or phosphorus pentachloride. Only a very few fertilizers contain potassium nitrate. From 1911 to 1923, Rudolph Weaver was the first chairman of cheap clonazepam 1mg in korea the architecture department. The majority of households subsist on farming. In 1930, the law was extended to include more opium derivatives, coca leaves and cannabis. Eric Bischoff's enforcers, attacking random wrestlers each week, after Bischoff either gave people three minutes to entertain him before they buy generic klonopin 2mg no prescription were attacked or decided that three minutes of a segment was enough before the team appeared to end it. It is frequently due to chronic degeneration, but may also be congenital or traumatic. Due to the high twist of the fields in the tokamak, particles following their lines of force rapidly move towards the inner edge and then outer. Frustrated by the losing, Taylor began acting out by arriving late for meetings, and not participating in conditioning drills buy generic klonopin 2mg no prescription in practice. Virginia, Delaware and West Virginia. They bind to the tumor antigen and are internalised, where the linker releases the drug into the cell. The most important distinction made by any staging system is whether or not the cancer is purchase klonopin online with mastercard still confined to the prostate. However, evidence soon comes to light that just before his death, Lockfield had been arguing with Catz, clonazepam and alcohol Ferris's ex-girlfriend. Honey has been used in funerary practices in many different cultures. Calad was discharged home the klonopin 1mg order online canada day following the surgery, despite the fact the surgeon who performed the surgery felt that Mrs. Graduate students at USC Price have considerable latitude to pursue their specialized areas of interest. Range Rover, because it was the only model offered in the American market. buy generic klonopin 2mg no prescription Pathfinders exposes young people to such activities as buy generic klonopin 2mg no prescription camping, community service, personal mentorship, and skills-based education, and trains them for leadership in the church. Research chemicals are fundamental in the development of novel pharmacotherapies. Well construction depends on the injection fluid injected and depth of the injection zone. Lastly, the government provided little or no social benefit for the urban poor buy generic klonopin 2mg no prescription who needed the most attention. In addition, seven affiliated organizations and seven affiliated research buy generic klonopin 2mg no prescription institutes have been established to aid teaching and research. Under Chinese property law, there is no privately held land. Additionally, enrollees would be able to purchase greater coverage by paying more in addition to the fixed government contribution. It is not controlled in Canada except that a prescription is required to purchase the pharmaceutical forms.
Tramadol 50mg prescription free Purchase xanax 1mg in the uk Want to buy klonopin 1mg tablets Where to purchase Meridia 10mg with paypal
order klonopin minneapolis
During this time SmackDown! Yousafzai buy clonazepam online in the uk has been awarded the following national and international honours:Mirtazapine, sold under the brand name Remeron among others, is an atypical antidepressant which is used primarily in the treatment of depression. Prosecution in Calabria is hindered by the fact that Italian judges and prosecutors who score highly in exams get to choose their posting; those who are forced to work in Calabria will usually request to be transferred right away. I have is clonazepam a narcotic a strong feeling that masculinity is in crisis. Intramuscular buy generic klonopin 2mg no prescription administration is not recommended due to small muscle mass. Peritectic transformations are also similar to eutectic reactions. Applications included soil physics, mineral physics, chemical engineering, geology, and hydrology. Garcia buy generic klonopin 2mg no prescription gave the man a cigarette and lit it for him. Court ordered for retake of the test. Apartment style residences are found in University Towers and Rifkin Hall. Self-ignition occurred from contact between the fuel-air mixture and the hot walls of the vaporizer. In the 1990s, fetish fashion became popular and corsets made something buy generic klonopin 2mg no prescription of a recovery, often worn as buy generic klonopin 2mg no prescription outer- rather than undergarments. Mauritius has repeatedly asserted that the separation of its territories is a violation of United Nations resolutions banning the buy generic klonopin 2mg no prescription dismemberment of colonial order klonopin 1mg with visa territories before independence and claims that the Chagos Archipelago, including Diego Garcia, forms an integral part of the territory of Mauritius under both Mauritian law and international law. The fentanyl patch is one of a small number of medications that may be especially harmful, and in some cases fatal, with just one dose, if used by someone other than the person for whom the medication was prescribed. Wages may be much more moderate in other divisions and leagues, and a significant number buy generic klonopin 2mg no prescription of players are semi-professional. Gili Meno is the middle of Lombok's three northwest coast Gilis. Despite the vulture crisis, diclofenac remains available in other countries including many in Europe. Displays of strength and violence, through sports like football, help to naturalize elements of competition and hierarchy as inherently male behaviour. Freshman Centers typically feature double rooms and a central bathroom on each floor per unit. Protein molecules contain nitrogen atoms in addition to carbon, oxygen, and hydrogen. Another system is the vinculum, where a conventional Roman numeral is multiplied by 1,000 by adding an overline. For trans women, genital reconstruction usually involves the surgical construction of a buy generic klonopin 2mg no prescription vagina, by means of penile inversion or the sigmoid colon neovagina technique; or, more recently, non-penile inversion techniques that provide buy generic klonopin 2mg no prescription greater resemblance to the genitals of cisgender women. Lam's last day, showing a young woman exploring Los Angeles and buy drug clonazepam 2mg tablets online uk taking in simple pleasures. Rodrigo Duterte, Paolo Duterte's father, reacted to this by telling Philippine soldiers to engage with buy generic klonopin 2mg no prescription buy klonopin tablets Trillanes in a gun duel and by threatening to expose Trillanes' alleged offshore accounts. Clinical signs of loss or destruction include abnormal peripheral blood smear with signs of hemolysis; elevated LDH suggesting cell destruction; or clinical signs of bleeding, cheap klonopin with mastercard such as guaiac-positive stool, radiographic findings, or frank bleeding. Yurovsky left three men to guard the site while he returned to Ekaterinburg with a bag filled with buy generic klonopin 2mg no prescription 18lb of looted diamonds, to report back to Beloborodov and Goloshchyokin. The country can buy generic klonopin 2mg no prescription be divided into two main geographic regions. Not On Drugs' is, like many of my songs so far, about love. The distribution of particles should be uniform in terms of number and weight. During the Soviet period, there were conflicts regarding the traditional housewife versus the emphasis on equality buy generic klonopin 2mg no prescription within the sexes. The health risks of e-cigarettes are uncertain, but they are likely safer than tobacco cigarettes. William Allen was known in commerce for his pharmaceutical company Plough Court. M when written throughout the literature. Once again, we are grieving over deaths and devastation caused by a young man who was sending up red flags for danger that failed to produce intervention in time buy generic klonopin 2mg no prescription to avert tragedy. Counterfeit chips are rare. Schally and Roger Guillemin, who both won the 1977 Nobel Prize in Physiology or Medicine for this work. However, these players were no match for Taylor. Unfortunately, the system was placed atop the basic LG4 and lacked any significant performance capability. The hormone usually disappears after childbirth and the ligaments become strong again. December 2006 includes ballistic checks of police weapons in places where there is concern that police are also working for the cartels. predators of the snake that are buy generic klonopin 2mg no prescription resistant to xanax 1.5mg prescription anxiety snake venom, prey that are in an evolutionary arms race with snakes, and the specific diets that affect intraspecific evolution of venom. Several characteristics of bromance have been cited:According to buy generic clonazepam online europe Chen, society has taken a collective interest in reexamination of some of the traditional constraints on male friendship, and in potentially reshaping the constructs of gender, sexuality, and intimacy. Warning patients of nerve injury prior to administration of deep dental injections has a risk of injury in approximately 1:14,000 with 25% of these remaining persistent.
cheap clonazepam 1mg in korea
Buy ativan sacramento Ativan constipation
Posted in Ошибки
Copyright ©homework

redpajama_set_name: RedPajamaCommonCrawl


text:
Masaba (Lumasaaba), sometimes known as Gisu (Lugisu) after one of its dialects, is a Bantu language spoken by more than two million people in East Africa. The Gisu dialect in eastern Uganda is mutually intelligible with Bukusu, spoken by ethnic Luhya in western Kenya. Masaba is the local name of Mount Elgon and the name of the son of the ancestor of the Gisu tribe. Like other Bantu languages, Lumasaba nouns are divided into several sets of noun classes. These are similar to the genders in Germanic and Romance languages, except that instead of the usual two or three, there are around eighteen different noun classes. The language has a quite complex verb morphology.

Varieties
Varieties of Masaba are as follows:
Gisu (Lugisu)
Kisu
Bukusu (Lubukusu; ethnic Luhya)
Syan
Tachoni (Lutachoni; ethnic Luhya)
Dadiri (Ludadiri)
Buya (Lubuya)

Dadiri is spoken in the north, Gisu in the center, and Buya in the center and south of Masaba territory in Uganda. Bukusu is spoken in Kenya, separated from ethnic Masaba by Nilotic languages on the border.

Phonology
See Bukusu dialect for details of one variety of Masaba.

Consonants

Vowels
Masaba has a basic 5-vowel system consisting of /i, e, a, o, u/.

References

Bibliography
Brown, Gillian (1972) Phonological Rules and Dialectal Variation: A study of the phonology of Lumasaaba

External links
Kulomba Kwikumutikinyi Portions of the Book of Common Prayer in Masaba (1907) digitized by Richard Mammana and Charles Wohlers
http://open-chapel.com/scripture/language-preservation/lumasaaba-language-study/ Learning Lumasaaba by Catherine Mabongor

Languages of Uganda
Great Lakes Bantu languages

redpajama_set_name: RedPajamaWikipedia


am i looking in the wrong place, or can the VT5 capture HDV from a camera or deck? i do i have to capture in another program and import the files to a DDR or to speed edit.
Yes, it can, I do it all the time! You need a Firewire card or input on your MB, because the VT does not have the hardware for this. But they are dirt cheap and there was no sense in reinventing the wheel. Your camera or deck will show up in the DV/HDV capture window in VT SE.
It does not, however, switch HD.
Thank you! i found it and it works like it should, i was trying to use capture and it didnt show me a fierwire HDV device ir any fierwire device.
Are you using the VT Capture module, or SE-VT. The latter is required for HD capture, afaik.
What exactly does SpeedEDIT's capture panel report the name of your capture device as when you are in HDV mode with the deck?
I think Cybis means the deck won't show up at all when set to HDV mode. Won't show up in SpeedEDIT until he sets his deck from "HDV" to "DV" mode. I'm not sure if he needs to go into its menu for specifying the type of data output hes wishes to put to use (i.e., HDV vs. DV), but that would be my guess at this point. Well, that said -- here's hoping he reports back to us with some good news.
I am just guessing here but can't you set the Sony HDV cams/decks firewire output to send HDV footage out as DV? Maybe he has a menu setting in his camera/deck set to do that instead of sending out HDV???
Hehe just really read your post PeterG and that is pretty much what you said...sorry.


text:
Town of Ogden
Depot & Canal Museum
Spencerport Municipal Electric
A Walk thru History
A Brief History of Spencerport, NY
The Village of Spencerport, prior to the building of the Erie Canal was just another farm. The farm, through which the canal passed at the Canawaugus Road, had been purchased by Daniel Spencer in 1804 and was sold off to become the first village lots. The village began about a mile and a half north of Ogden Center where business had begun to flourish. From that moment on, however, business in Ogden Center decreased and that of the new canal port increased.
The village was first called "Spencer's Basin" but was soon changed to "Spencerport". As commerce on the Erie Canal prospered, so did the fortune of the residents of Spencerport. In the late 1800's Spencerport was a bustling canal center. Warehouses shipped out produce such as grain and beans. By 1900 Spencerport had 3 hotels, 3 grocery stores, 2 drug stores, and 2 shoe stores. Shops encompassed every trade and included 4 blacksmith shops, 3 cooper shops, 2 sheet metal shops and many other trades. Manufacturers included a fruit-press manufacturer and a sash & blind factory.
Sarah Lincoln
On April 22, 1867 the State Legislature passed an act to incorporate Spencerport as a Village and the first elections were held with William Slayton as the first President. The office is now known as Mayor.
The first store in the village was West & Richards on the north side of the canal. The first tavern was run by Daniel Spencer and was located on the south side of the canal. The first mail was brought into Spencerport by stage from Parma Corners. The first postmistress was Sarah Lincoln who served until 1897.
At the turn of the 20th century business in Spencerport was still prospering. In 1910 the Chamber of Commerce had a banquet with 100 in attendance from both Spencerport and Ogden. By 1917, with WW I being fought, the demand for produce was a boon for Spencerport farmers. Many young men from the area were either involved in the war effort or making high wages at defense plants in Rochester.
Municipal water was installed in 1912 through the efforts of many prominent citizens. This greatly aided the efforts of local fire fighters, with hydrants strategically placed throughout the village. Electricity was made available in 1917. During the early 1920's all the streets in the village were paved. Sewers were installed in 1931 and a disposal plant was built that year as well.
Involvement in the community by the citizens of the village has given Spencerport the strength it has to this day. From the early days of the volunteers of the Spencerport Fire Dept. (founded in 1890), to the Spencerport Lions Club (founded in 1956), many organizations have formed to help Spencerport grow.
Although goods and produce no longer travel the canal, it is no less important to the future of Spencerport. To this day the Erie Canal remains a vital part of Spencerport. With the focus now on recreation and tourism, the Village of Spencerport is an important stop on the Western NY stretch of the Erie Canal. A revitalization effort to extend and improve the trail alongside the Erie Canal recently had Governor Pataki choose Spencerport as the spot for a speech highlighting his plans.
Condensed and compiled from portions of the book; 150 Years in Ogden - 100 Years in Spencerport by Earl E. White, published 1967. For much more detail on the history of Spencerport as well as Ogden, this book can be found at the Ogden Farmer's Library.
2013 Removal of the CSX Railroad Bridge - Photo Gallery
Village of Spencerport
Spencerport, NY 14559
ScenicView Web Company ©2019


text:
Solid State Logic Provides Creative Tools for Sports-Broadcast Professionals
Friday, August 11, 2017 - 9:40 am
The Sports Video Group is pleased to welcome Solid State Logic (SSL) as a corporate sponsor. Since 1969, the company has provided creative audio tools for broadcast, music, live-production, and postproduction professionals. In that time, SSL has built a reputation for superior audio quality, powerful and flexible technologies, and a global commitment to customer support and service.
Leading national and international broadcasters have embraced its innovative products to streamline operations and ensure high-quality output in environments where sonic purity cannot be compromised but high workloads and immovable deadlines are the norm.
SSL recently provided the core audio-production tools for SNY's new facility in Lower Manhattan. Include were two main control rooms, each with 48-fader System T consoles and a large array of network I/O. Other SSL clients include PGA TOUR Entertainment, MSG, NESN, Comcast New England, Comcast Chicago, Fox Sports FS1, Fox Sports Ohio, Portland Trailblazers, and NASCAR.
"SSL is already helping visionary broadcasters all over the world make the switch to more flexible, reliable, and cost-effective IP-based true networked infrastructures, with powerful, creative core technologies that will never compromise the content or the workflow," says VP, Broadcast Sales, Steve Zaretsky. "We believe that SVG has an important role to play in helping the whole industry understand this revolution, welcoming in a future of standards-agnostic infrastructure where workflow is defined by the broadcaster and enabled by the technology."
SSL's latest technology is System T, a complete networked audio-production environment designed from the ground up to provide the power to handle large-scale broadcast productions in a multiplatform delivery-driven future — whether in a truck, a stadium, or a multiroom broadcast facility.
SSL System T has an entirely IP-based networked control and audio infrastructure and a highly configurable architecture that can adapt to a huge range of applications and operator requirements. All audio connectivity is via Dante and AES67 with direct routing control of more than 1,000 third-party devices directly from the console-software GUI. System T's agile software and technology platform is capable of incorporating SMPTE 2110-30 audio transport and emerging NMOS IS-04 registration and discovery, when it's ratified, enabling System T to manage audio routing for an even wider set of audio connections.
A single T80 Tempest Audio Engine can handle more than 3,000 inputs and 3,000 outputs and has a capacity of 800 fully processed audio paths. Control options range from large multi-operator consoles to flypack solutions like the new Tempest Control Rack (TCR) to single-fader panel or PC-based software control. The system is compatible with Ross Overdrive, Grass Valley Ignite, Sony ELC, and Vizrt Mosart production automation.
SVG Systems Integrator Summit Returns on March 3 to Address Latest Industry TrendsExtreme Cold Poses Extreme Challenges for Audio Teams


As most committee members will know, the purpose of section 50 is to prevent the unauthorized division of land. When we speak of the "division of land" (from the point of view of a Committee of Adjustment) we are usually talking about creating new lots or authorizing the right to use/occupy a portion of a parcel of land on a permanent basis (i.e. a permanent interest in land such as an easement/right of way or a long term lease).
At its heart, section 50 requires some form of "government approval" (i.e. Local municipality, upper tier municipality or the Ministry of Municipal Affairs in some cases) for the division of land. For all intents and purposes the "exceptions" set out in subsections (3) and (5) as well as the authority granted under subsection (7) represent the various forms of government approvals that exist.
This paper and the corresponding seminar takes aim at the various exceptions that can overcome or avoid the need to obtain a consent from the Committee (which itself is the most all-encompassing exception).
In some cases, an application for consent to sever (which I will refer to as a "severance application") lands in the lap of a Committee of Adjustment when it doesn't belong there (or perhaps more aptly stated… when the person doesn't need the Committee's approval). Quite frankly the reason for this is that there are a fair number of lawyers (who practice primarily real estate law) and planning consultants who do not understand all of the aspects of section 50 of the Planning Act. There are also many land use planners who may not have focused on conveyancing issues in their studies or work experience but end up being responsible for processing these applications for municipalities. The result is that sometimes applications which do not require approval are processed and presented to the committee.
"An agreement, conveyance, mortgage or charge made, or a power of appointment granted, assigned or exercised in contravention of this section or a predecessor thereof does not create or convey any interest in land, but this section does not affect an agreement entered into subject to the express condition contained therein that such agreement is to be effective only if the provisions of this section are complied with".
If a land division required a consent and one was not acquired, the transaction is not valid and can be voided.
The bottom line…it never hurts to review the section and to reinforce for yourself when and why the committee's approval is required; and to recognize when it is not required.
"Where land is within a plan of subdivision registered before or after the coming into force of this section, no person shall convey a part of any lot or block of the land by way of a deed, or transfer, or grant, assign or exercise a power of appointment in respect of a part of any lot or block of the land, or mortgage or charge a part of any lot or block of the land, or enter into an agreement of sale and purchase of a part of any lot or block of the land or enter into any agreement that has the effect of granting the use of or right in a part of any lot or block of the land directly or by entitlement to renewal for a period of twenty-one years or more unless…".
Determining which subsection applies to a specific land division starts with a determination as to whether the land is within a registered plan of subdivision or not. If the lands are not within a registered plan of subdivision the situation is or must be addressed via section 50(3). If the situation involves lands within a plan of subdivision, section 50(5) is the applicable section. That said although each section is intended to address two different sets of circumstances most of the 9 enumerated "exceptions" are identical.
Now you may wonder how there are 9 exceptions when the subsections end at (h)…h is the 8th letter isn't it…well the province decided it was better to introduce subsections (3)(d.1) and (5)(c.1) when they introduced amendments related to the Green Energy Act rather than making them new subsections (I).
The exceptions to which each Committee owes its existence, are found in subsection (3)(f) and (5)(f) – the consent to sever.
Technically this preliminary condition is not an exception but whether you wish to consider it as one or not makes no difference. If the interest division of land or interest in land is intended last for a maximum period of 21 years less a day then it does not require Planning Act approval.
Thus based upon the 21 year rule, I can sell an interest in or lease a part of my property to another person without obtaining a severance if it is only intended to for any period not exceeding 21 years.
Clearly a lease affecting part of a parcel of land with a term exceeding 21 years is a dealing of permanence and clearly prohibited. What about a 20 year lease with an option for a 20 year renewal? Prohibited without a consent to sever.
If the entitlement granted to the lessee (through a series of terms/options to renew) exceeds a combined total of 21 years it is prohibited…unless of course there is another applicable exception. And there is one.
"Nothing in subsections (3) and (5) prohibits the entering into of an agreement that has the effect of granting the use of or right in a part of a building or structure for any period of years".
So it is okay to lease a part of a building for longer than 21 years without a consent but not a part of a parcel of land. Furthermore, the right, under subsection 50(9), to enter into long term leases for a part of a building includes or has been extended to include the creation of an interest in "ancillary" outdoor areas (such as parking spaces).
As Mr. Troister points out, this division of land usually occurs in commercial contexts such as malls. That said it could apply equally to residential circumstances. The reason the situation does not offend the underlying principles of section 50 is that, for the most part, government oversight of the division is controlled through other Planning Act regulation (i.e. zoning).
When one considers the creation of an interest which affects a part of a lot or a block in a registered plan of subdivision reading subsection (3)(a) would lead you to believe that as long as the interest created or division deals with lands in registered plan of subdivision an approval is not required. Not so…subsection 3(a), notwithstanding what it says, really means that you do not pass Go and instead you must refer to subsection (5). As Mr. Troister suggests in his book subsection (3) (a) should be read to include or the phrase "the whole of a lot or block"… in a registered plan of subdivision.
Thus one of the most critical tasks in evaluating applications is the determination of whether the lands are within a registered plan of subdivision.
4.1 What Is (or Is Not) A Registered Plan of Subdivision?
4.1.1 Original Crown Surveys of Geographic Townships – NO! This one can play tricks on people. Many a person has asserted that an original 100 acre parcel shown on the survey of the Township of Blankety Blank is a conveyable parcel because it is a lot shown on the original Township Plan and that a Planning Act severance is not required. Well this is usually a case of being right about the end result but for the wrong reasons. It may very well be a separately conveyable lot but not because it is in a registered plan (more on that later).
4.1.2 M-Plans – YES! Any plan that has an M immediately following the Registry or Land Titles Office number (i.e. 51 for Simcoe County, 19 for Grey County etc.) is registered plan.
4.1.3 R-Plans – NO! A reference plan (R-Plan) is simply a form of legal description. It represents a major improvement upon the old "metes and bounds" description. Remember the old adage a picture is worth a thousand words. Well a Part on a Reference Plan replaces a thousand words in a complex metes and bounds description. As you are all well aware, the requirement to obtain a reference plan is commonly imposed as condition of consent.
4.1.4 Land Registrar's Compiled Plans (RCPs) – NO! These things can be tricky but at their core they are simply another form of Reference Plan. To simplify legal descriptions a Land Registrar may create one where there are numerous existing conveyable parcels of land with metes and bounds descriptions to simplify and improve the identification of the lands. Many lay persons and even lawyers mistakenly believe they are registered plans of subdivision….simply stated a lot identified in a RCP may be separately conveyable but it is not because it is in a registered plan of subdivision (more on that later).
4.1.5 Boundaries Act Plans – NO! These plans are created under authority of the Boundaries Act to resolve (surprise, surprise) boundary disputes. Such plans simply eliminate any question as to the boundary between abutting parcels of land.
4.1.6 Registry Act and Land Titles Act "Plan of Subdivision" – YES! The biggest issue is properly identifying one.
If the plan was created before subdivision control applying to the lands covering the plan, it will be considered to be a "registered plan of subdivision.
Note: Subdivision control began to apply to all lands as of June 27th, 1970, but between June 15th, 1967 and June 27th, 1970 Subdivision control may apply if the local municipality passed a by-law imposing subdivision control. So it is important when dealing with plans in that period to determine whether the local municipality passed and registered a by-law.
4.2 Is it the Whole of a Lot or Block?
So you have determined the lands are within a registered plan of subdivision. The next step is to confirm that it is the whole of a lot or block. If it is not then you may have to determine whether any other exemptions apply including one in particular (subsection 5(e)) to know whether a severance is required.
The "no abutting lands" exception is found in subsection (3) (b) and (5)(a). It is perhaps the most complex of the exceptions as there are many variables that can come into play. These variables include how ownership of abutting lands are held (i.e. who is the owner), what kind of interest is held in the abutting lands, and whether the abutting lands have been subject to a prior Planning Act approval. (All of these variables can create complexities that are beyond the scope of this paper, so we will try to stick to the basics).
In order to understand the no abutting lands one must understand the concept of merger. A merger occurs when two parcels of land, previously under separate ownership, and separately conveyable, become one parcel for the purpose of the Planning Act when placed into the ownership of the same person or entity (i.e. common ownership).
As a basic principle it is useful to keep in mind that as long as you don't own any land abutting the lands that you are dealing with, a Planning Act severance approval will not be required. In other words the fact that the owner of the subject lands owns no other abutting lands is a indicative that the owner is dealing with the whole parcel (which is generally okay!).
Let's return to the example that was discussed under subsection 4.1.1. dealing with a 100 acre parcel shown which comprises the whole of a 100 acre lot on the original Township Plan (we'll call it Lot 2, Con. 1). The owner owns no other land abutting this 100 acre lot. The owner is entitled to sell that lot and requires no Planning Act approval (or severance). The reason…the no abutting lands exception. The owner is dealing with all of its lands.
Now let's modify the situation. The owner owns two 100 acre lots (Lots 2 and 3, Con 1) that share a common boundary (i.e the western boundary of Lot 2 is the eastern boundary of Lot 3). The owner is not entitled to sell Lot 2 while retaining ownership of Lot 3 because of the ownership interest in abutting lands.
Let's add one more variable. Lot 2 is owned by Bob and Jane, while Lot 3 is owned by Bob. Bob and Jane are entitled to sell Lot 2 even though it is not a Lot in a registered plan of subdivision and even though Bob has an ownership interest in abutting lands. This is permitted because the ownership interest of the two lots is not identical.
When you are outside a registered plan of subdivision it may be possible to sell lands while retaining ownership of an abutting parcel. This can occur where the parcel that is being dealt with has been the subject of a prior consent granted by the committee (this is based upon the old rule "once a consent always a consent"). It is important to note that in order for the old consent to remain "valid" (so to speak) the land that is being dealt with has to be exactly the same as the lands described in the original consent.
When dealing with lands within a plan of subdivision, it is not uncommon for a person to own two (or more) abutting lots. Many persons either do not understand the significance of the legal description or they may not remember what their lawyer told them when they bought the lands; in other cases the lawyer may not have advised them that they own two separately conveyable parcels of land.
There can be some nuances to this issue. If the lots are in a plan of subdivision that has been registered for more than 8 years, pursuant to section 50(4), the local municipality can pass a by-law to "deem" the plan of subdivision or specific lots/blocks in that plan not to be lots within a registered plan (for the purposes of subsection (3)). This is known as a "deeming by-law" and it has the effect of "merging" any abutting lots or blocks into one parcel where such lots are held in common ownership.
In many cases such deeming by-laws are passed because the local municipality has determined that some characteristics of the old lot fabric are not compatible with the current planning policies (commonly it is due to undersized frontage or lot area) and they wish to prevent the sale and use of smaller individual lots. In other cases these deeming by-laws are used to "consolidate" the lots to eliminate the lot lines which would preclude construction of a dwelling across the lot lines.
– where a person owns 2 lots and wishes to transfer/sell a portion of one of their lots to a neighbour who owns a single lot and wishes to expand their property to accommodate a larger dwelling.
Rights of way and easements usually only affect part of an owners landholding and for obvious reasons; If Bob wishes to gain access to his property over Jane's property, Jane will most likely wish to limit the area of travel to an existing driveway or specific area of her property such that the right of way will not interfere with her primary use of the land. Thus, in most cases the creation of that easement or right of way will require a severance because the owner (of the land over which the right will exist) will invariably retain an interest in "abutting lands" and those abutting lands will not constitute a lot or block in a plan of subdivision or will not be separately conveyable (based on a prior consent approval).
There are certain instances where a severance will not be required. Those instances occur where the owner has agreed to grant a right of way over its entire parcel of land and owns no abutting lands (other than that which is itself separately conveyable such as the whole of lot in a registered plan of subdivision).
Subsections (3)(c) and (5)(b) exempt any acquisition or disposition of land by municipalities, and the Provincial and Federal Government from the need to obtain any approval.
Although the exemption is rather clear as it relates to municipalities, the number of applications to obtain severance approval that are initiated by municipalities is surprising. The number of applications that actually proceed to the decision stage is equally surprising.
The notable question as to whether this exception applies usually arises when it is unclear whether an entity qualifies for the Provincial or Federal Government exemption. For example is a "university" an entity that falls under the Provincial Government exemption?
The answer depends upon whether the entity is an "agent" of the Provincial or Federal Government (Crown). To determine the answer, one usually looks to general legislation (such as the Crown Agency Act for Ontario) or perhaps the specific legislation that created or governs the entity. In some cases, the determination has been made by the courts.
In Ontario, if the entity is a Crown Agent, the legislation requires the Planning Act approval authority to determine whether the Provincial Government (i.e. one of its Ministries) "owns, controls or operates" the entity.
The answer for universities is… See you in May.
Utility and service providers get different treatment depending upon whether the services are inside or outside of a registered plan of subdivision.
Pursuant to subsection (3)(d), entities which operate electrical transmission or distribution lines and entities which operate pipelines are exempt from the requirement to obtain a Planning Act severance when acquiring lands. They are also exempt from Planning Act severance approval if they give or sell that same land back to the person from whom it was acquired.
The entity does not have free reign to acquire property for any purpose. It must be acquired for the specific purpose that is authorized.
Subsection (5) (c) uses the more broadly defined term "utility lines" which captures water lines, telecommunications as well as electricity and hydrocarbon lines.
Simply stated, within a registered plan of subdivision, the committee should not be seeing applications to create easements for utility lines. That said, within a registered plan of subdivision, depending upon the entity, a Planning Act severance would be required if the entity operating the utility is seeking to acquire or dispose of lands that are not specifically part of the utility lines (for example if they are attempting to dispose of a portion of a works yard).
Entities providing utilities within a registered plan of subdivision also have the ability to dispose of the land they acquired to the person from whom they acquired it without Planning Act severance approval.
As part of its Green Energy based initiatives, the province has create a special exemption to allow Solar, Wind and other renewable energy producers to acquire interests in part of a person's landholding for periods exceeding 21 years (see subsections (3)(d.1)) and (5)(c.1).
I can't recall encountering one of these in 14 years as a lawyer or my time as land use planner.
I encountered this once before.
Simply stated…if an application is put before the committee and the discussion begins with or includes specific mention of the Conservation Land Act or the Conservation Authorities Act, you may have one of those situations where an applicant does not need your approval.
There is another significant exception to the application of subsection (5) which is found in subsection (7). Quite frankly, many municipalities use a part lot control by-law as a tool to avoid the complexities of consent approvals. Part lot control effectively suspends the operation of subsection (5) to the lands which are identified in the by-law and quite commonly the part lot control by-law will have a limited lifespan.
This entry was tagged consent, severance. Bookmark the permalink.
We truly appreciate the time and effort you put into delivering the session and your willingness to share your professional knowledge and practical experiences with respect to consents and the relevant section of the Planning Act and its administration and best practices.


text:
Reviews / Banking
Ally Bank Review: Competitive Rates for Online Customers
About Ally Bank
CD Accounts
Final Take
GOBankingRates Score
Quick Take: Ally is an online-only bank that features low fees and high interest rates on its deposit accounts. The interest on CDs and checking, savings and money market accounts is compounded daily, which means you'll make a bit more money on interest than accounts that compound monthly.
Services and Accessibility
How did we calculate this?
Competitive rates for savings account and certificates of deposit
No monthly maintenance fees
No minimum opening balance requirements
Access to more than 43,000 Allpoint ATMs in the U.S.
No direct cash deposits
Withdrawals can take several days
Some APY rates have daily minimum balance requirements
Ally Bank is an online-only financial institution that considers itself an alternative to traditional brick-and-mortar banks, though Ally itself dates back to when many people still relied on horses to get around. Its predecessor was launched in 1919 as GMAC, the financing division of General Motors.
More recently, Ally Bank has established itself as one of the best online banks, with exceptional customer service, high annual percentage yields and low fees. With an overall score of 4.5, Ally Bank is one of the best performers of all the banks surveyed by GOBankingRates. GOBankingRates named Ally the Best Online Bank for the seventh year in a row in its Best Banks of 2022 rankings.
Ally's interest checking account is much less restrictive than its savings and money market offerings. GOBankingRates has ranked it as one of the Best Checking Accounts of 2022. Interest is compounded daily, and there are no monthly maintenance fees, minimum opening deposit or minimum balance requirements. Free standard checks and debit cards come with the account. Customers also have access to mobile check deposits as well as the U.S. Allpoint ATM network.
The APY for Ally's checking account is 0.10% for a minimum daily balance of less than $15,000. That jumps to 0.25% for a minimum daily balance of $15,000.
On the downside, Ally doesn't have physical branches, so it's not the best option if you prefer in-person service.
Ally Bank Savings Account
A high APY and lack of monthly maintenance fees make Ally's online savings account one of the industry's better options. GOBankingRates has ranked it among the Best Savings Accounts of 2022. With the account's Smart Savings tools, customers can use buckets to organize their money and visualize what they're saving for, set up boosters to optimize and maximize savings, and make changes as their priorities change.
Savings account customers can expect no minimum deposit or balance requirements, no monthly maintenance fees, and free cashier's checks. Interest is compounded daily. The APY on savings deposits is 0.50% on all balance tiers.
Ally Bank's money market works like a combination savings and checking account, with the high interest rates of the former and spending flexibility of the latter. It features an APY of 0.50% on all balance tiers and offers instant access to cash via ATMs. GOBankingRates has ranked it as one of the Best Money Market Accounts of 2022.
As with the checking and savings accounts, Ally's money market account has no fees, no minimum deposit or balance requirements, and interest that is compounded daily. Customers get access to the Allpoint ATM network as well as a debit card and free standard checks.
Just keep in mind that the account is limited to six non-ATM withdrawals per statement cycle, and a $10 charge applies for each additional withdrawal during the statement period.
Ally offers various rates and terms for their certificate of deposits that range from three months to five years, depending on which CD you choose. Some CDs can be easily liquidated, whereas you can earn high interest with more standard options. GOBankingRates has ranked Ally's CD offerings among the Best CD Accounts of 2022.
Interest on all CDs is compounded daily, and you can renew the accounts when they mature. With Ally's 10-day best-rate guarantee, you can get the best rate for your balance and term if you fund your CD within 10 days of your opening date and the rate rises during that period.
For high-yield CDs, terms range from three months to five years, at rates from 0.15% APY to 0.80% APY. Raise Your Rate CDs come in two- and four-year terms, with an APY of 0.55% for both terms. You can increase the rate once during the two-year term and twice during the four-year term. Ally also offers a No Penalty CD at rates of 0.50% APY with an 11-month term. Complete withdrawal of funds is available after the first six days following the date you funded your CD, and you can keep the interest earned.
How Ally Bank Earned Its Scores
If you wondered how Ally Bank earned its GOBankingRates scores, here's a quick breakdown:
Ally earned high marks for its competitive annual percentage yields, which rank among the best in the business. It offers an APY as high as 0.50% for savings accounts and an APY of 0.55% on 12-month CDs.
Ally has made a name for itself in the banking industry for its attention to customer service, and that's reflected in how it stacks up against the competition, Ally ranked first among banks surveyed by GOBankingRates in two important categories: 24/7 Phone Customer Service and Live Chat with Person Service.
In addition to excelling at phone service and live chat, Ally Bank also scores well in terms of digital accessibility. It ranked first among banks surveyed by GOBankingRates in both the quality of its mobile app and remote check deposits. Its app got a rating of 4.2 out of 5 on the Apple Store and 4.45 out of 5 on the Android Store.
Ally Bank does charge some fees, but they're very reasonable compared to the average fees charged by most other banks. For example, Ally charges only $7.50 per returned item when a check or other deposit is not paid by the bank on which it was drawn.
And you'll never pay fees for monthly maintenance, domestic or international incoming wires, cashier's checks, standard or expedited ACH transfers, or standard checks for interest checking and money market accounts. Outgoing domestic wires carry a $20 fee, and you might face a $25-per-hour account research fee if you request extensive research on transaction histories.
Editor's Favorite
Ally's high yields and lack of fees are a couple of its standout characteristics. The bank also puts a premium on customer service that you don't always find with online-only banks.
Ally Bank vs. Competitors
All banks have their strengths. Here's a quick look at Ally's strong points as compared to its competitors.
Ally Bank No monthly fees, high APY
Capital One In-branch support, diverse banking services
Discover All-in-one banking, including credit cards
Chime High APY, debit card
Ally Bank vs. Capital One
Capital One has the advantage of in-branch services, whereas Ally is an online-only bank. Ally does have an edge in terms of interest rates, offering a 0.50% APY on its savings account as of December 2021 vs. the 0.40% APY offered by Capital One.
Ally Bank vs. Discover
One of the big advantages Discover has over Ally is its credit card line. At Discover, you can keep all your accounts at one institution. Ally offers higher yields and both self-directed and automated investing — something not available at Discover.
Ally Bank vs. Chime
Ally and Chime are both digital banks that offer a high APY of 0.50% for savings accounts. Ally's product lineup is much more extensive than Chime's, but Chime's ATM network is bigger, with access to more than 60,000 fee-free ATMs for Spending Account customers.
Ally Bank offers a 21st-century banking experience that includes a full suite of products and services. Anyone can benefit from its high interest rates, and with no minimum balance required to open a checking or savings account, it's easy to open a new account with Ally.
Even if an online-only bank isn't entirely appealing to traditional bank customers, some might be swayed by Ally's competitive APY rates and 24/7 customer service and give the bank a chance.
Ally Bank FAQ
Here are some of the most common questions and answers about Ally Bank and its products and services.
Who is Ally Bank owned by?
Ally Bank is owned by Ally Financial Inc., headquartered in Detroit.
Is Ally a high-yield savings account?
Yes, and it was selected as one of Business Insider's favorite high-yield savings accounts because of its high interest rate, no minimum deposit and no monthly required fees.
Is Ally a safe bank?
Ally Bank deposits are protected by the Federal Deposit Insurance Corp. up to $250,000 per depositor for each qualifying account category.
Does Ally Bank have any branches?
No, Ally is a completely online bank.
How long does it take to transfer money from Ally?
Online transfers to Ally accounts are instantaneous, while those to external banks can take one to three business days.
Vance Cariaga contributed to the reporting for this article.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 21, 2021.
This content is not provided by Ally Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Ally Bank.
Is this your bank?
Stay Up to Date on the Latest From Your Bank
Keep a good thing going with top financial tips and advice from GOBankingRates.
Get ready to receive top financial tips from the experts at GOBankingRates.
Take Advantage of our Best Offer(s)
John Csiszar
After earning a B.A. in English with a Specialization in Business from UCLA, John Csiszar worked in the financial services industry as a registered representative for 18 years. Along the way, Csiszar earned both Certified Financial Planner and Registered Investment Adviser designations, in addition to being licensed as a life agent, while working for both a major Wall Street wirehouse and for his own investment advisory firm. During his time as an advisor, Csiszar managed over $100 million in client assets while providing individualized investment plans for hundreds of clients.
Newest Ally Bank Promotions, Bonuses, Offers and Coupons: January 2022
Here's Your Ally Bank Routing Number
Ally Bank Is Ditching Overdraft Fees
USAA Federal Savings Bank Review: Fee-Free Checking for Military Personnel
Zions Bank Review: Regional Locations With Online Accessibility
Mountain America Credit Union Review: Members Get Rewarded
By Karen Doyle
Mountain America Credit Union offers a full range of financial products and services to members in Utah. Like many credit unions, it offers attractive interest rates and products that encourage good saving and spending habits.
Bank of Oklahoma Review: Strong Digital Banking Option for Five Additional States
By Jamie Johnson
The Bank of Oklahoma provides a wide variety of banking products to its customers. A robust digital banking presence enhances the experience.
State Employees' Credit Union Review: Low Fees and Competitive Rates
State Employees' Credit Union of North Carolina has comprehensive services of banking, loan, credit card, investing and more. See if it fits your needs.
Texas Capital Bank Review: Lots of Banking Options and Low Monthly Fees
Texas Capital Bank offers one-stop banking for customers because of its variety of offerings. It has products for personal banking, business needs and wealth management.
Bethpage Federal Credit Union Review: No Monthly Fees and Solid APYs
By Cynthia Measom
Bethpage Federal Credit Union has a full range of banking products and services and offers competitive rates. While rates on some of its accounts are more competitive than others, it's the combination of competitive rates, no minimum balance requirements and no monthly maintenance fees that make this credit union worth considering.
First Tech Federal Credit Union Review: Banking for Select Fortune-500 Employees and Oregon Residents
By Cynthia Bowman
First Technology Federal Credit Union provides lower fees, better interest rates and a financial institution where your needs are understood. Membership and banking are available for employees of companies such as Microsoft, HP, Google, Amazon and Nike, as well as for qualifying Oregon residents.
Sallie Mae Bank Review: Great Rates and No Monthly Fees
Sallie Mae Bank offers plenty of savings options with no minimum deposits or monthly fees. Plus, it's known for its competitive savings rates. One of the biggest issues with this bank is that it doesn't offer checking accounts, so you'll have to set up an account at a separate bank.
Atlantic Union Bank Review: A Full-Service Bank With Accessible Customer Service
If you're looking for a full-service bank that offers both in-branch and online service, affordable monthly fees and opening deposits and accessible customer service, Atlantic Union may be a good choice as your next financial institution.
Advertiser Disclosure: Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all deposit accounts available.


text:
POLITICAL FIX FLORIDA
Weatherford starts firm with brothers
Naples Daily News
News Service of Florida
Former House Speaker Will Weatherford, often mentioned as a possible future candidate for statewide office, has formed a Tampa-based consulting and investment firm with two of his brothers, the firm announced Tuesday.
The firm, Weatherford Partners, will provide consulting services to businesses and will invest in companies. Weatherford, a Wesley Chapel Republican who served as speaker from 2012 to 2014, will be the firm's managing partner.
He will be joined by Sam Weatherford, who was a founding member of the private-equity firm Schulze Global Investments, and Drew Weatherford, a former Florida State University quarterback who in 2011 co-founded Strategos Public Affairs in Tampa, according to the announcement.


 Gilliss - Meaning of Gilliss, What does Gilliss mean?
[ syll. gil-lis(s), gi-lli-ss ] The baby boy name Gilliss is pronounced as GIHL-iyS- †. Gilliss is of Old Greek origin. Gilliss is a variant form of the Dutch, English, and German Giles.
Gilliss is not often used as a baby boy name. It is not in the top 1000 names.
Baby names that sound like Gilliss include Gallus (German), Gillis (Dutch and Scandinavian), Glasgo, Glasgow, Guala, Galea, Galeaso, Gallius, Gazalea, Ghillea, Gillea, Galeazzo (Italian), and Glwys (Welsh).
† approx English pronunciation for Gilliss: G as in "grin (G.R.IH.N)" ; IH as in "it (IH.T)" ; L as in "lay (L.EY)" ; IY as in "eat (IY.T)" ; S as in "see (S.IY)"


text:
Lollapalooza! One quick preview
by Ashley Kolpak
Living downtown Chicago definitely has its perks, but little beats the rush of excitement that comes each time I traverse past Grant Park. The first weekend of August is quickly approaching. Slowly but surely, music fans are preparing themselves for the crowning jewel of Chicago's summer festival season: the one, the only – Lollapalooza.
The iconic fest is a world-renowned showcase of talent, food, fun, and teenagers riding high on illegal substances. It's a smorgasbord of concert-goers from across the country, on either their best or worst behavior. Come for the music, stay for the outlandish people-watching. It's a trip, to be certain.
If you managed to swipe some tickets for the 2014 affair, odds are you are hard at work fine-tuning your perfect schedule with the handy social plug-ins featured on Lolla's website. The great thing about the festival layout is, unless you need to get from Monroe Street to Balbo Avenue in less than 10 minutes, catching a set or two in a short time frame is more than doable. If you're the teenage kid barreling in from suburban Chi, feel free to head straight to Perry's Stage and park it for a weekend full of EDM sets. For those of us who are a touch old to pull off the bandeau/flower crown/short-shorts look, there are plenty of delightful shady areas to stave off Lollapalooza fatigue.
In addition to the eclectic roster of artists, there is a wide selection of (just slightly overpriced) food to enjoy. And what would a festival be without a green craft fair, a farmer's market and a special kid's stage dedicated to entertaining the smallest Lollapalooza enthusiasts. This year marks the debut of Lolla Cashless. Festival-goers can link up their credit/debit card to their wristband ahead of time. It's a cool innovation; let's see how it goes.
Didn't manage to pick up a ticket? Not exactly the festival type? Not a huge deal. That's what aftershows are for. Tickets sell out, so move quickly to score a spot to see one of your favorite artists away from the Grant Park stages.
So, what bands to see? That's the question. Here are some indie (ish) acts we're excited to see at this year's fest. Breaking it down by day:
Above & Beyond: Should be a set of sun-drenched, hazy, happy electronica; basically the perfect way to set a tone for the Lolla weekend. The London-based trio's latest single, "Blue Sky Action," is what summer festival dreams are made of.
CHVRCHES: If you haven't been able to get "The Mother We Share" out of your head for the past year, don't miss your chance to delight in the indie-electronic stylings of Lauren Mayberry and crew. Hopefully they will bust out their killer cover of Whitney Houston's "It's Not Right, But it's OK" (fingers crossed).
Hozier: Let a wave of unadulterated soul wash over you with Hozier's performance. Hozier's voice is incredibly engaging in tone and timbre. Think the richness of Sam Smith, but a little deeper. Discover more Friday afternoon at the Palladia stage.
Other Acts We Don't Want to Miss: Interpol, Bombay Bicycle Club, Lorde, Jagwar Ma, Blood Orange, Iggy Azalea, Phantogram. Must-See Friday Headliner: Arctic Monkeys.
Jungle: It's an early set, but judging on their breakthrough single, "Busy Earnin'," this is a band to keep an eye on. The London-based duo's funk-drenched sound is wildly appealing. This year, they've been playing secret gigs in the UK and hiding under a shroud of mystery. It'll be exciting to see them on stage with the (Lolla) world watching.
Parquet Courts: A little lo-fi rock missing from your lineup? Enter Parquet Courts. Curly hair, skinny jeans, Brooklyn attitude, gritty/underground sound: if that's your thing, it's hard to go wrong with this concert. They're playing an aftershow at the Empty Bottle on Friday. Ukrainian Village hipsters and the like should take advantage and catch them there.
Spoon: This Austin quintet is back with a vengeance, dropping singles like mad and pounding the tour circuit pavement in anticipation of their upcoming release, They Want My Soul. We hope this show is entertaining as their cool brand of quirky, artsy, indelibly cool pop tunes.
Other Acts We Don't Want to Miss: Benjamin Booker, Vance Joy, Nas, Wildcat! Wildcat!, Joywave, Martin Garrix. Must-See Friday Headliners: Cut/Copy & Outkast
Flume: If you haven't heard a Flume remix, do yourself a favor and hop over to Spotify/YouTube/what-have-you right now (his take on Lorde's "Tennis Court" is a personal favorite). The 22-year-old Aussie produces music that is slick, danceable, and impressive. It's a DJ set we're highly anticipating.
Chromeo: So, you want to dance. You have no desire to attend a packed-to-the-gills DJ set. We feel you. Chromeo is the band for you. Often silly, always fun, Chromeo's brand of disco-infused power pop is simply irresistible. Shake your groove thing to the likes of killer singles like "Over Your Shoulder" and "Jealous (I Ain't With It)."
The 1975: These Manchester dudes are a dirty boy band complete with an overly coiffed, smoldering front man. They are a perfect little antidote to the OneDirections of the world, putting out pop hits with their own particular edge. They've got a cheeky attitude, a good prerequisite for any concert experience.
Other Acts We Don't Want to Miss: Glen Hansard, Flosstradamus, RAC, Bleachers, Bear Hands. Must-See Friday Headliners: It's a toss-up – Kings of Leon?
It's coming. There's nothing you can do about it. It's Lollapalooza. Have fun, go to as many shows as humanly possible, stay safe and enjoy Chicago summer while it lasts.
Photo by Dave Mead, courtesy of Lollapalooza
Parquet Courts:LollapaloozaJungleHozierChromeoAbove & BeyondSpoonAshley KolpakCHVRCHESFlume
by Audrin Baghaie
by Vidal N. Granados
Lollapalooza continues earning legendary status
Lollapalooza is the mecca of all music festivals in Chicago. For the past 30 years, hundreds of thousands of …
Pitchfork withers the storm and triumphs
photos by Manny Diaz Over the years Pitchfork Music Festival has provided a consistent blend of indie rock and …


Every day thousands of enormous explosions take place in the universe: the so-called 'fast radio bursts'. To gain a better understanding of these gigantic explosions, ASTRON, the Dutch institute for radio astronomy (a part of NWO) has installed new high-speed cameras on the radio telescopes in Westerbork. These cameras have now been provided with new 'brains': the most powerful supercomputer in the Netherlands.
Fast radio flashes are extremely bright flashes in the radio spectrum that have travelled billions of light years before they reach the Earth. They were discovered some 10 years ago, but what causes them or where they are from is still largely unknown. Because these flashes last only for a fraction of a second, their observation is very difficult. Currently only 25 fast radio flashes have been observed.
This will now change with Apertif, the new set of cameras that has been installed in the dishes of ASTRON's synthesis radio telescoop in Westerbork. The Westerbork array, with the addition of Apertif, will have the widest field of view of all the sensitive telescopes in the world. With one image capture a large part of the sky an be examined very quickly. In order to find the fast radio flashes and pulsars it is necessary for the telescope to process 20,000 captures per second.
The telescope requires a lot of computing power for this, and that is why one of the fastest supercomputers in the world was designed and built. A remarkable feature of this new supercomputer is that it is built around video processor chips from the gaming industry. Gamers use computers with very powerful video processors: the GPUs. These chips are now used for the first time to process the data from a telescope. The supercomputer contains two hundred GPUs, which can process four terabits per second of data. With a computing power of 2 petaflops this is the most powerful GPU supercomputer in the Netherlands. The supercomputer will teach itself to discover the space flashes in the thousands of recordings from the telescope. These could also be examined manually, but this is an enormous amount of work and also prone to mistakes. The computer will, as it discovers more and more flashes, learn to better recognise the flashes. The expectation is that one fast radio flash per week will be discovered, the location of which can subsequently be determined exactly.


text:
Bears Cap Numbers
By Adam T Jan 7, 2008, 7:37am CST
Share All sharing options for: Bears Cap Numbers
The Bears have around 20 million in cap space, here is a look at the top 15 cap numbers.
1. LB Lance Briggs, $7,206,000: Franchise player earned a big payday for the first time in his career and wants more. The Bears will have to outpay the marketplace for his services. He already turned down a big-money offer and wants out of the shadow of Brian Urlacher.
LB Brian Urlacher, $5,850,510: Played like he was worth every penny in games down the stretch. If he can vie for defensive player of the year honors next season at 30, the defense easily will be back in the top 10.
C Olin Kreutz, $5,666,670: Six-time Pro Bowl center is the captain of a line in transition. Curiously, Angelo made reference to the center-quarterback exchange in his news conference Thursday, which seems irrelevant to team's current position.
DE Adewale Ogunleye, $5,563,055: Coming off his best season with the Bears, he was likely the most consistent player on defense and just about a bargain at this price relative to his production.
CB Charles Tillman, $5,432,386: New deal secured Tillman for the long term. He played well in a secondary that was otherwise nothing but musical chairs. A building block moving forward.
S Adam Archuleta, $5,098,600: The good news, if coach Lovie Smith wants to keep him, is that the Bears already have given him the bulk of his money. Second time in two years with two teams he really struggled.
LT John Tait, $5,000,000: Sure, he might wind up back on the right side, but ankle injuries made the season trying for Tait, who has been a good soldier. He's making what veterans command at left tackle.
RT Fred Miller, $4,704,560: A huge drop-off in performance makes Miller's future iffy. It's hard to imagine they would bring him back at anywhere near this price.
CB Ricky Manning Jr., $3,365,000: Fell out of favor with the coaching staff and remained at his nickel spot even when he was needed as a starter.
S Mike Brown, $3,156,666: Earned his salary based on years served, not performance, after another injury-ruined season. If he's back, look for the club to seek protection.
RB Cedric Benson, $3,133,680: Bears are unwilling at this point to admit missing with the No. 4 pick from 2005. This represents a fraction of the $13.8 million he has pocketed so far.
WR Muhsin Muhammad, $3,119,080: Combination of age, production and salary might put him in line for a restructuring.
CB Nathan Vasher, $2,868,726: Got a true sense of his value during the second game against the Vikings. Figure is likely to go up based on new contract.
DT Tommie Harris, $2,650,450: After the dust settles from free agency, it will be interesting to see how the Bears proceed with the three-time Pro Bowl performer who was dominating on a bad left leg at the end of the season.
QB Brian Griese, $2,500,000: It's a fair price for a backup with experience. Unfair has been the treatment he has been subjected to around here.