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The cost of a Will – enter Walmart
In previous articles we have discussed the cost of a Will. How is it that we charge $34.95 or £24.95 when the exact same document created by a lawyer will cost anything up to $800 or £500? There are a variety of reasons for this; our costs are kept down because you are effectively writing the Will yourself, and the $800? well, that's simply overcharging.
The line that is drawn between an online service like ours and going to a lawyer has now been blurred a little by two Canadian lawyers who have set up booths in Walmart. They are using software to create $99 Wills and they are trying to remove the intimidation factor out of Will writing by allowing you to simply walk in without an appointment and have your Will written for you. It's a interesting approach because that's exactly the same process by which the $800 Will is created; you provide some personal details and key decisions and the lawyer enters your details into some software and the Will is generated. In fact, this cut price approach is absolutely no different to any other lawyer, and the end result is no different to a Will written by any other lawyer, or a Will written using the service at LegalWills.ca. So why are they only charging $99? The Walmart lawyer explains
We don't fault other lawyers. If we were doing two a week, we'd have to charge more
so let us understand this….the premium that somebody would pay to use a lawyer has no relationship with the quality of the end product, it's simply because the lawyer has to charge more to sustain their business.
So what do other lawyers make of this; a well known legal blog said
While a Wal-Mart will may sound like a "good deal", one-stop estate planning at Wal-Mart may prove to be problematic, should these wills be challenged at some point in the future. Only time will tell.
may prove problematic? what does that mean? These Wills are written by a law firm, why would they be problematic? My guess is that it would be absolutely no more problematic than any other Will that has been written either using a lawyer or a service like the one at LegalWills.ca. It sounds to me like some vague scaremongering.
There are however, a few inherent problems with a "walk-in" Will writing service. Most people do not know all of the answers to all of the questions without a little consideration. For example, naming an alternate Executor, bequests to charities, guardians for children. Some of these things take some real thought and are not answers that you would like to give on the fly.
The final question remains; is $99 a fair price? Well you could pay $99 and save hundreds of dollars, or you could just put your details into the software yourself and save yourself even more. LegalWills.ca allows you to do exactly that for $34.95, from the comfort of your own home. You can take as long as you like to get things precisely the way you want them to, and most importantly you can make updates whenever the need arises, by simply logging into your account, making the change and printing off a new Will. USLegalWills.com offers the same for $34.95 and LegalWills.co.uk is available for UK customers at £24.95.
The options are quite clear. The final document is exactly the same but you can pay a lawyer $600 to enter your information into the Will making software (they have an office to maintain), you can pay Walmart $99 to enter your information into the Will making software (they do thousands, so they can afford to be cheaper), or you can do it yourself for $34.95.
May 4, 2014 Tim Hewson	cost of a Will, DIY legal Will, how much to write a Will, Last Will and Testament, lawyers, legal advice, updating a Will, Write your own Legal Will	Leave a comment
The scourge of the online Will kit
Here's the problem; everybody needs a Will, but lawyers are too expensive and inconvenient. As a result 65 percent of people don't have a Will. To address this issue, countless "downloadable Will forms" proliferate across the internet. People use these forms and their loved ones end up with a mountain of trouble.
Let's explore the evidence;
Are lawyers really too expensive or inconvenient? According to the customers who come to LegalWills, yes, absolutely. They are being quoted anything up to $1200 or £800 for a simple Last Will and Testament, but more commonly it is in the region of $600 or £400. The more significant problem is that updates are being charged anything up to $100 or £50 per change. There is also a gap between what lawyers think people can pay, and what people are prepared to pay. I read this recently on a legal blog, written by an estate planning lawyer
At least once a week I get a call from a potential client. The question is always the same: "How much does X document cost?" This is always a perplexing question. Usually the answer is "I don't know."
I know of an attorney who agrees to quote the client a price over the phone if they can answer one simple question: "What color tie am I wearing today?" …This lawyer knows that people will protest- "how can I know what color tie you are wearing if I am not there?" The lawyer then points out (if the client has not gotten it already) that both questions are similar.
So here's the disconnect; the lawyer thinks he is clever and the client is a bit dim. The prospective client on the other hand wants to know whether they should include in their household budget some money to prepare a Last Will and Testament. In order to do this, they need to get a feel for how much it will cost. I cannot think of any other situation where you would blindly procure a service, hand over your wallet and ask the service provider to charge you whatever they want (veterinarians and dentists aside!).
So most people end up without a Last Will and Testament in place, and of those that do, most are not kept up to date. So we find service providers offering a "downloadable Will" sometimes free of charge. I saw a new one just last week – I have embedded a screenshot of the body of it here. They have tried to convey some authenticity with some calligraphy at the top and an impenetrable legal sentence to kick off the document
I JOHN DOE KNOW ALL PERSONS BY THESE PRESENTS:
But the meat of the document comes in article IV, where you are given space to explain how you would like your estate to be distributed. Personally, I feel that this document should be illegal; it is preying on people who don't want to pay for legal advice and who are trusting this company to provide them with a legally binding document. But it is nothing short of impossible to complete a satisfactory Will using a blank page like this. You need to create alternate plans, trusts, Executor powers, residual plans and without these you end up with an estate like Ann Aldrich who used E-Z Legal Forms to prepare her Will. She listed out her possessions and instructed all of these things to go to her beneficiary. Unfortunately she didn't explain what should happen to everything else. The result was a family battle over her estate and a judgement that included this warning "I therefore take this opportunity to highlight a cautionary tale of the potential dangers of utilizing pre-printed forms"
Fortunately, there is a very large middle ground between expensive lawyers and dangerous blank forms, and this is being filled by interactive services like the ones at LegalWills.ca, LegalWills.co.uk and USLegalWills.com. These services guide you through the process with a series of questions, and then verifies that you have covered all scenarios. It only allows you to do things that your jurisdiction permits, and double checks for things like minor children having guardians and trusts set up appropriately. Clearly some people still need expensive legal advice and custom clauses to be written, but services like this work for the vast majority. So much so, that when a recent study from Oxford University listed the most likely jobs to be replaced by technology, paralegals were 4th on the list with a 94% probability of being replaced by software. Most people who have a Will written by a legal professional have their information typed into software and their Will generated from templates (the staff in the office usually do it), but online services like LegalWills are granting access to those tools directly to the consumer.
People are not likely to use a lawyer who refuses to tell them how much they will charge. But we are hoping that we can steer people away from blank form kits.
April 28, 2014 Tim Hewson	Challenging A Will, Contesting A Will, cost of a Will, DIY legal Will, how much to write a Will, Last Will and Testament, Will kits, Write your own Legal Will	2 Comments
You may not need legal advice to write a Will
I received an interesting comment from somebody recently;
"I learned of a woman who did a Will through this process but was not advised about how to care for her disabled child when she passed. No Hensen trust was set up for the child. In my personal and professional experience, a person should receive legal advice when preparing a Will"
This comment actually makes no sense. We would agree that this particular person should have received legal advice in preparing their Will. In fact, one of the questions we ask up-front is whether there are special needs children to care for within the Will. If there are, then we would explain to that individual that our service is not a good fit for them, and that they should indeed seek legal advice. But does that therefore mean that everybody needs legal advice to write a Will? Of course not. The vast majority of the users of our service need a Will that leaves everything to their spouse, and if something were to happen to both parents, then the estate would be distributed between their children. Guardians should be named, and possibly trusts for minor beneficiaries. But a Will covering this situation is straightforward and can be written using our service in about 20 minutes. In fact, if you went to a legal professional to prepare this type of Will, you would be paying way more than you need to.
Of course there are are complicated family situations that would benefit from legal advice, but scaremongering everybody into paying for a lawyer leaves us with a situation where about 70% of adults do not have an up-to-date Will. The vast majority of those people could quite easily use our service to fit their estate planning needs.
But the counter argument would be "ahhh, but how does a person know if they need legal advice or not?" At LegalWills.ca, LegalWills.co.uk and USLegalWills.com we provide a list of circumstances under which we recommend that a person seek legal advice and not use our service. These include; planning to disinherit a spouse, a history of mental illness, children with special needs or if you think that there may be a challenge to the Will, or have any doubts whatsoever about your situation.
Our advice would be that although you may have heard of somebody needing legal advice to prepare their Will, you shouldn't feel that this situation applies to you. And you shouldn't let the thought of booking an appointment with a lawyer put you off preparing your Will. You can have a Will in your hands in about 20 minutes at LegalWills.ca, LegalWills.co.uk and USLegalWills.com
February 13, 2014 Tim Hewson	DIY legal Will, dying without a will, how much to write a Will, Last Will and Testament, lawyers, legal advice, Write your own Legal Will	Leave a comment
Six ways the law is a hundred years out of date
As the owner of a company that allows people to prepare their own Will – online, at any time, there are many services we would love to add, but are continually stymied by a law that fundamentally hasn't changed in centuries. We live in a smartphone, biometric, social World which is entirely ignored by our legal system. Which would be fine if our current system worked, but it is horribly inefficient and open to fraud and exploitation. Given the gaping holes in the way our Wills law works today you would think that lawmakers would be jumping all over new technology to make the system work. Here are just a few ways that the head-in-the-sand approach comes up short;
1. A Will must be printed on a piece of paper;
Today we have video, digital assets, countless online social activity and the only way a Will can be valid is if it's printed on a piece of paper. an "innovation" that's been around for a couple of thousand years. The most obvious shortcomings of paper are that it burns easily, doesn't stand up to flooding very well, is very difficult to find, not secure, easy to forge, and is not easy to update. The single most common question we receive at LegalWills is "my Dad has just passed away, and I know he had a Will, how can we find it?". It would be relatively easy for us to have an online repository of Wills encrypted with digital signatures and made available to Executors exactly when they are required. Unfortunately the law doesn't allow for this and currently the only legal document is on a piece of paper – lost, burned, or blown away in a hurricane.
2. A Will must be signed by a handwritten signature
This is perhaps the most ridiculous shortcoming of our existing laws. A scrawled signature is currently the only way of proving that a Will belongs to the person making the Will. Which leads to cases like this , where somebody has to call in a "handwriting expert" to validate the Will because "There are four signatures on it and none of them actually look like any of his signatures." We sign into our phones with fingerprints, and biometric data. My smartphone uses face recognition to log me in. I can buy a door handle on Amazon that uses "subdermal fingerprint scan technology", yet according to the law, my entire estate is protected by a chicken scratch signature. You then end up with multi-million dollar properties being contested because claimants "maintain that it is fake and <the testator> never made one". Or people like this former police officer who "has admitted fraud over a will said to belong to his dead father." His Dad didn't have a Will, his son typed one up and passed it off as his Dad's. Granted, he was caught, but for every one of these there are thousands of fraudulent Wills being presented as originals.
3. The inclusion of digital assets
Lawyers are starting to acknowledge the importance of digital assets, but have yet to come up with a secure, convenient way to tie these together with a printed Will. Generally speaking it's a really bad idea to include your Facebook account information in your Will (Wills are public record once you pass away), but online accounts can have significant value. Domain names are still sold for tens of thousands of dollars. PaddyPower, PayPal, Bitcoin, WordPress accounts can be worth a lot of money. And of course, families may end up fighting over Flickr, Picassa, Facebook and iTunes accounts, so they should really have a named beneficiary.
4. Global assets
We live in a very mobile World and people hold assets in multiple jurisdictions, and indeed in some cases may not even know which jurisdiction the assets are held in. If I own $500k in Bitcoin currency, is this subject to inheritance taxes of any country? what if I live part of the year in the UK, part of the year in Dubai, and have a house in Florida and have a PartyPoker account? I recently read this article about differences between English and Scottish law which explains "The EU has very recently introduced new rules to help clarify the position in complicated situations, where the law of two or more EU countries could apply. From August 2015, most EU citizens will be able to choose whether the law applicable …should be under the rules determined by the country of their residence or the country of their nationality. However, the United Kingdom has chosen to opt out of these regulations." In other words the UK has opted out of a law that will come into effect in two years time that will solve a 50 year old problem. Good luck finding resolution to the issues of today's digital assets.
5. The cost of a lawyer
Lawyers continue to overcharge for their services. In most cases a lawyer will have a client complete a blank form, put the information into some software and generate a standard boilerplate Will. And then charge $600 or £400. Not in every case of course, but a lawyer should be able to say to a client "you know, that was a really simple Will, let's call it $25" but it won't happen. We've had people come to us having been quoted $1,200 for a Will. It's just out of touch with reality, especially as Wills should be reviewed at least annually and updated regularly.
6. Using the services of a lawyer
We can automate and "app-ify" many things today. Online and smartphone applications are breaking new ground daily and it not difficult to conclude that if Intuit can build TurboTax for business, it is not much of a stretch to address everybody's estate planning needs with self service tools. At LegalWills.ca, LegalWills.co.uk and USLegalWills.com we provide a service that works for about eighty percent of people, and we direct people to legal professionals for anything complicated. But it is well within our technical capabilities to provide an online tool that works for 99.9% of the population, probably more effectively that the legal profession. A Will is something that everybody should have, access to a lawyer should not be a roadblock to preparing a Will.
December 3, 2013 Tim Hewson	Contesting A Will, cost of a Will, digital assets, storing your Will, the law, updating a Will, Write your own Will	Leave a comment
What exactly is a Last Will and Testament?
One of the most common questions we receive at LegalWills is "do I need a lawyer's stamp or something to make my Will a legal document?". The easiest way to answer this question is to look at the legal statutes that define exactly what makes a random document an actual Will. Let's take one from each country in which LegalWills operates;
In Ontario; the Succession Law Reform Act requires that "A will is valid only when it is in writing". It then goes on to say a will is not valid unless,
(a) at its end it is signed by the testator or by some other person in his or her presence and by his or her direction;
(b) the testator makes or acknowledges the signature in the presence of two or more attesting witnesses present at the same time; and
(c) two or more of the attesting witnesses subscribe the will in the presence of the testator.
There are a few subtle qualifiers to this, for example, a member of the forces on active service is not required to have two witnesses, nor does a Will that is written entirely in one's own handwriting – which is a useful provision for people stuck under a rock, but not advisable for anybody else. There is also some restriction on who can serve as a witness in that they must have no vested interested in the contents of the Will. There is no mention in the law of requiring the services of a lawyer, or notary to make the document legal. The law however does not allow for video Wills, a Will that is sung, or any other modern digital interpretations.
The UK Wills Act not surprisingly, has very similar provisions and the signing requirement are almost identical. But more jurisdictions are now accepting "intent" rather than strict compliance with the law. In California they have a "harmless error" provision that states
The will shall be treated as if it was executed in compliance with that paragraph if the proponent of the will establishes by clear and convincing evidence that, at the time the testator signed the will, the testator intended the will to constitute the testator's will.
More a more jurisdictions are changing their laws to state that the intent of the Will-maker supersedes the formal requirements of a Will. For example, in BC recently section 80 was updated to include;
If a will was not executed in compliance with paragraph (1), the will shall be treated as if it was executed in compliance with that paragraph if the proponent of the will establishes by clear and convincing evidence that, at the time the testator signed the will, the testator intended the will to constitute the testator's will.
What does all of this mean? the implications can be seen in this recent news article from Australia. "A Will typed into an iPhone 'Notes' app has been declared legally valid by the Supreme Court in Brisbane in a landmark legal ruling. In what may be a legal first in Queensland, and possibly Australia, the Supreme Court ruled that the will typed into the smartphone but not written out or signed would stand." The article goes on to say "Although the will was not witnessed the court found it had been created on the iPhone by the man with the clear intention of it being legal and operative".
Of course, we wouldn't recommend testing the limits of the legal system to see which forms of Will would be acceptable, however, it is clear that there is no need to be intimated by the process of writing your Will. Services like those at LegalWills.ca, LegalWills.co.uk and USLegalWills.com offer a structured service to prepare your own Will. It relies on established legal precedents to create a Will identical to one prepared by a lawyer. We wouldn't recommend writing a Will on a post-it note, but there is nothing to be afraid of when using a service like ours to prepare your own Will.
November 18, 2013 Tim Hewson	Challenging A Will, holographic Will, Last Will and Testament, lawyers, Legal rulings, signing, Write your own Will	Leave a comment
The "armchair principle" in Will writing
I recently read this article from the BBC talking about the importance of being clear in one's Will. Ambiguous wording in a recent Will resulted in a £500k legacy going to the government. The article also took the opportunity to try and draw a line between this situation and the dangers of preparing one's own Will. There wasn't any indication that the mis-directed bequest came from a do-it-yourself Will, but these unfortunate situations somehow are used as examples of why you need to pay high fees for a legal professional.
Specifically, and it is important to be specific, this article warns people with;
Strict rules governing the way a will is made and executed mean that errors can be made very easily which can invalidate it. These errors often include not signing the will or having it witnessed correctly.
This does seem to be the most used scare tactic; pay for a legal professional or your Will may be invalidated. Let me shed some light on these strict rules; the Will must be signed at the end, and the signing needs to be witnessed by two people with no vested interest in the contents of the Will. This includes beneficiaries or the spouse of a beneficiary. It is also a good idea for you and your witnesses to initial each page. There. That's it.
This article also makes reference to "the armchair principle" that exists in the UK, and it being adopted by many Canadian Provinces. In essence it means that your Will is not going to be invalidated because of a technical error. Every effort will be made to understand the intention of the person writing the Will. For example if somebody wrote "my sitter, Jane Doe", but meant "my sister, Jane Doe", the chances are the courts will say "he doesn't have a sitter, it wouldn't make sense for him to leave his entire estate to his sitter, he obviously means his sister, the one named Jane Doe".
It is important to be clear and unambiguous with instructions. Obviously it doesn't make sense to leave your entire estate to "my friend John" without being specific about who you mean, but with a little common sense, anybody can prepare their own Will.
Services like those at LegalWills.ca, USLegalWills.com and LegalWills.co.uk take care of the legal clauses and jargon, and also protect against doing anything you can't legally do in your jurisdiction. There is really no need to be fearful of preparing your own Will, and these "strict rules" that the lawyers warn us of, are actually very simple.
September 13, 2013 Tim Hewson	DIY legal Will, Last Will and Testament, lawyers, signing, Write your own Legal Will	Leave a comment


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Soros Calls Xi Democracy's Greatest Opponent
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Chinese Human Rights at Davos: Don't Ask, Won't Tell
Foreign Policy's Isaac Stone Fish found several conversations at the World Economic Forum in...
Premier Li: Don't Worry About China Slowdown
In his keynote address at the 2015 World Economic Forum in Davos, Switzerland, Chinese Premier Li...
Bo Xilai Trial May, May Not Start Monday
The South China Morning Post has poured lukewarm water on earlier reports, originating in state media, that the trial of fallen Chongqing Party Chief Bo Xilai will begin on Monday. When asked by reporters, a spokesman for...
Survey: Manufacturing Growth Highest in Two Years
China's factory sector growth reached a two-year high in January, according to a preliminary survey released on Thursday, as the economy continues to demonstrate signs of a rebound. From Reuters: The HSBC flash purchasing...
Dragon Trumps Davos For Chinese Officials
The Wall Street Journal reports that China has scaled back its presence at the annual World Economic Forum in Davos, which begins this week, given the conflict with the Lunar New Year holiday: Based on a list from the World...
Katrin Bennhold: What Is the Beijing Consensus?
The New York Times' Dealbook blog reports on from Davos on discussions of the so-called Beijing Consensus, or the Chinese mdoel of economic-political development: But what actually characterizes the Chinese model? A...
Schmidt Says Google Aims to Put Pressure on China
In Davos, Google CEO Eric Schmidt explains Google's position in China: "We love what China is doing as a country and its growth," Schmidt said today at the World Economic Forum in Davos, Switzerland. "We just don't like...
China's Next Leader Offers a Glimpse of the Future
Li Keqiang, who is widely expected to succeed Wen Jiabao as Premier, delivered a speech to the World Economic Forum in Davos, Switzerland. The New York Times reports: …In a half-hour speech at the World Economic Forum...
As China Rises, Conflict With West Rises Too
The New York Times reports from Davos on attitudes at this year's World Economic Forum toward China's growing economic clout: China's rise will be on prominent display in Davos this week, with the biggest Chinese...
David Ignatius: Humbled Masters At Davos
Columnist David Ignatius writes in the Washington Post about the World Economic Forum in Davos, where he noticed rare humility and self-reflection among the powerful assembled there: The most upbeat presentations here were from...
Premier Wen Says, 'Don't Worry'
At the Davos 2009 World Economic Forum, Wen Jiabao aimed to instill confidence in the Chinese economy. From Forbes: His message to survivors and victims, whether of storms, earthquakes or financial crises, is much the same: to...
Lessons in Democracy and Modesty – Katrin Bennhold
From New York Times blog: The world must be changing when on a World Economic Forum panel on geopolitics you have three Asians, two Europeans and just one American (even though that American was called Power — the Harvard...
U.S. and China Still Sparring, But Smiling – Alison Smale
From New York Times blog: After the geopolitics session saw a Chinese panelist offering lessons in democracy and an American speaker underscoring modesty, Chinese and American experts clashed — if good-naturedly, for the...
Resolving Tensions of Growth – BBC & WEF
A discussion hosted by the BBC and World Economic Forum in October on whether China's growth is sustainable, via YouTube:
China Business Summit 2004
Some 500 international business and political leaders, academics and journalists are converging on the Grand Hyatt hotel in Beijing today. This is the World Economic Forum's China Business Summit 2004. This conference is blogged both on the The World Economic Forum Weblog and also on Fons' China Herald.

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Discussion in 'US Coins Forum' started by jtlee321, Sep 14, 2018.
I just picked this up today. I could not pass up the beautiful luster and clean fields with a light touch of gold and blue rim toning. What is the grade?
*coins, Nathan401, Pickin and Grinin and 3 others like this.
Anything going on with the mintmark, or is it just the lighting?
...lovely example too! A few scattered hits I believe prevent a higher grade (but the eye appeal more than makes up for the grade).
Pretty coin. I'll guess 66.
MikeinWyo and jtlee321 like this.
Wow. That is gorgeous, but I've had too much bourbon to accurately describe this coin. I'll GTG in the morning.
green18, *coins, Pickin and Grinin and 2 others like this.
I'm surprised you picked up on it. I noticed something with the Mint Mark after I imaged it. It appears to be a possible new RPM. It's hard to tell from the image above, but I see what looks like the top serif of an S inside the upper loop of primary S. I will be sending this one in to James Wiles. It does not match anything on Wexler's or Variety Vista.
Here is an image of the Mint Mark.
green18, *coins, Dave Waterstraat and 1 other person like this.
I don't see why it wouldn't go 67 if the luster booms. cool bonus if it's a new RPM!
eddiespin and jtlee321 like this.
Au 55. Reverse doesn't look normal to me. Lots and lots of lines. Or highly polished die. I'm no expert.
I am at a 67, The MM has a lot going on. I think it is an early stage of excess die deterioration. There is already one die chip present.
Color and surfaces bump. Nice coin!
What "lines" are you seeing? I don't see any die polish on this coin at all.
Luster: The luster appears to be bright and flashy on the obverse, although it is probably somewhat coarse from the pronounced flowlines. The luster appears more subdued on the reverse. Luster will get a 66.
Eye Appeal: Very attractive rim toning on the obverse, but the spot on his temple really hurts it. The speckled toning on the reverse is neutral. I'll go 66 on the eye appeal.
Contact marks: Obverse, a few minor luster grazes and inconsequential marks in tertiary areas. No marks in primary focal areas. Reverse, there are a couple of marks in the eagle's wings, a scrape on one leaf, and a couple of tickmarks in the fields. The mark on the eagle's thigh is prominent and distracting. Overall, contact marks will get a 67 obverse, 66 reverse.
Everything seems to be pointing to a strong 66 on this one. I think the reverse luster, obverse spot, and mark on the eagle's thigh keep it from 67.
longshot, green18 and Dave Waterstraat like this.


I don't believe any child should go without shelter, food and basic medical care so I will start donating a portion of our sales to charities. Through your continued support our charity program has been able to expand significantly in the past few months.
Donations so far: $292.45. THANK YOU!!!!
Peace is a 13 year old orphan of war displaced from the Congo into a refugee camp in Uganda.
She has AIDS and TB and needs our help.
My name is Peace Vumilia and I have AIDS and TB. I am 13 years old and came to the Kyangwali Refugee Camp as an orphan of war. I am Congolese, Batiringa (Pygmy) by tribe. I am living in Marembo Village.
11/1/15 - We have been keeping in touch and helping Peace for a few months now and the change in her is unbelievable. Peace is happily living with her sister Lydia (and extended family). During the Christmas period they were sent additional funds which they used to buy 50kg of potatoes and soap (pictured top right).
With your help we have also been able to contribute to Peace and Lydia's education. The girls will be re enrolled in school again this year. Thank you!
Donations so far: $590.74 THANK YOU!!!!
At present Familia Moja Children's Home provides food and shelter for orphaned and vulnerable children but their vision is greater than that. They see these children growing into influential adults, who through the education provided by Familia Moja, will give back to their community of Mang'u and Kenya as a whole. Their aim is to work within the community to set up sustainable development projects which both support the orphanage and benefit the community.
Their Mission is to provide a safe and secure home for children within Kenya who have been orphaned by diseases such as AIDS, Malaria and Tuberculosis or who are vulnerable due to poverty. Provide children with: a nourishing diet, appropriate accommodation, clothing, access to healthcare and quality education, while ensuring that they receive the physical and emotional care required to become healthy, successful and fulfilled adults.
Familia Moja works together with the community to improve the lives of not only the children within its care but also the community as a whole. Their Vision is to empower the children and their community to achieve their goals and create possibilities for their future; be it educational or entrepreneurial.
Familia Moja is One Family and together we work towards a certain future.
Donations so far: $425.78 (70 bed nets). THANK YOU!!!!
Think Humanity began giving out Long-Lasting Insecticide-Treated Bed Nets (LLIN) in 2007.The next donation will be to those refugees who have not received new nets for the past 5+ years.
As the need for these life-saving nets continues, we hope you can stand next to us on our malaria-fighting mission again this year.
This Christmas, we are asking for your help to replace 3,000 mosquito nets that were given to Congolese and Sudanese refugees six years ago. It is so important to continue to protect these families.
As you shop you will notice that I donate 10% of sales to our charity programs.
I am also more than happy to directly pass on any donations you would like to make to any of the organisations. Please contact with at contactethicalliving@gmail.com.
If we work together we can make a real difference!


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Andreettom@libero.it

Zappero@alice.it

a.crovetto1927@gmail.com

a.tassi@metodologie.it

boccalattepiero@virgilio.it

cecco_88@hotmail.it

cerquetti_e@libero.it

claudio.bertinetti@alice.it

darel233455@gmail.com

darel233455@gmail.com

deldinfulvio@libero.it

deponenti+705@hotmail.com

dr.rota@medicinadentale.it

duranti.pierluigi@alice.it

fra.bastia1971@gmail.com

gabrosso@alice.it

gian@adpioppa.it

gladiolo2006@libero.it

guido.ferretti48@gmail.com

hkvajr@tubtaq.com

hoking1d7k@gmail.com

idang@libero.it

info@x3media.it

info@x3media.it

info@x3media.it

info@x3media.it

info@x3media.it

info@x3media.it

info@x3media.it

julian3d5s@hotmail.com

klark2d4@gmail.com

lara@adpioppa.it

lara@adpioppa.it

lara@adpioppa.it

lara@adpioppa.it

lara@adpioppa.it

lorenzo@adppdesign.com

lorenzosarti@libero.it

mara.cerquetti@valgrisa.it

marco.troilo@virgilio.it

negretto@finaosta.com

negretto@finaosta.com

negretto@finaosta.com

peenhyper+UO3@hotmail.com

peyo58@libero.it

pwrqfu@engjxe.com

roberto.carriero@hotmail.it

sensuousoar+UO3@hotmail.com

silvianto2010@libero.it

stefano_minetti@teletu.it

tgenisio@gmail.co

tilcara@live.it

tonellag@libero.it

tuqueaxontu@hotmail.com

ursula.castaldo@gmail.com

ursula.castaldo@gmail.com

ursula.castaldo@yahoo.it

ursulac@libero.it

ursulac@libero.it

valgrisa@valgrisa.it

voglinob@gmail.com

RAW Paste Data

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Zappero@alice.it
a.crovetto1927@gmail.com
a.tassi@metodologie.it
boccalattepiero@virgilio.it
cecco_88@hotmail.it
cerquetti_e@libero.it
claudio.bertinetti@alice.it
darel233455@gmail.com
darel233455@gmail.com
deldinfulvio@libero.it
deponenti+705@hotmail.com
dr.rota@medicinadentale.it
duranti.pierluigi@alice.it
fra.bastia1971@gmail.com
gabrosso@alice.it
gian@adpioppa.it
gladiolo2006@libero.it
guido.ferretti48@gmail.com
hkvajr@tubtaq.com
hoking1d7k@gmail.com
idang@libero.it
info@x3media.it
info@x3media.it
info@x3media.it
info@x3media.it
info@x3media.it
info@x3media.it
info@x3media.it
julian3d5s@hotmail.com
klark2d4@gmail.com
lara@adpioppa.it
lara@adpioppa.it
lara@adpioppa.it
lara@adpioppa.it
lara@adpioppa.it
lorenzo@adppdesign.com
lorenzosarti@libero.it
mara.cerquetti@valgrisa.it
marco.troilo@virgilio.it
negretto@finaosta.com
negretto@finaosta.com
negretto@finaosta.com
peenhyper+UO3@hotmail.com
peyo58@libero.it
pwrqfu@engjxe.com
roberto.carriero@hotmail.it
sensuousoar+UO3@hotmail.com
silvianto2010@libero.it
stefano_minetti@teletu.it
tgenisio@gmail.co
tilcara@live.it
tonellag@libero.it
tuqueaxontu@hotmail.com
ursula.castaldo@gmail.com
ursula.castaldo@gmail.com
ursula.castaldo@yahoo.it
ursulac@libero.it
ursulac@libero.it
valgrisa@valgrisa.it
voglinob@gmail.com</textarea>

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text:
The Fatima Prayer
(Photo by Wathiq Khuzaie/Getty Images)
Holy Days and Holidays
Scott P. Richert
Catholicism Expert
M.A., Political Theory, Catholic University of America
B.A., Political Theory, Michigan State University
Scott P. Richert is senior content network manager of Our Sunday Visitor. He has written about Catholicism for outlets including Humanitas and Catholic Answers Magazine.
A favorite devotional practice in Roman Catholicism is praying the Rosary, which involves using a set of rosary beads as a counting device for the highly stylized components of the prayer. The Rosary is divided into sets of components, known as decades.
Various prayers can be added after each decade in the Rosary, and among the most common of these prayers is the Fatima prayer, also known as the Decade Prayer.
According to Roman Catholic tradition, the Decade Prayer for the rosary, commonly known as the Fatima Prayer, was revealed by Our Lady of Fatima on July 13, 1917 to three shepherd children in Fatima, Portugal. It is best known of five Fatima prayers said to have been revealed that day. Tradition states the three shepherd children, Francisco, Jacinta, and Lucia, were asked to recite this prayer at the end of each decade of the rosary. It was approved for public use in 1930, and has since become a common (though optional) part of the Rosary.
O my Jesus, forgive us our sins, save us from the fires of hell, and lead all souls to Heaven, especially those in most need of Thy mercy.
History of the Fatima Prayer
In the Roman Catholic Church, supernatural appearances by the Virgin Mary, the mother of Jesus, are known as Marian Apparitions. Although there are dozens of alleged events of this type, there only ten that have been recognized officially by the Roman Catholic Church as genuine miracles.
One such officially sanctioned miracle is Our Lady of Fatima. On May 13 of 1917 at Cova da Iria, located in the city of Fatima, Portugal, a supernatural event occurred in which the Virgin Mary appeared to three children as they were tending sheep. In the well water on property owned by the family of one of the children, they saw an apparition of a beautiful woman holding a rosary in her hand. As a storm broke and the children ran for cover, they again saw the vision of the woman in the air just above an oak tree, who reassured them not to be afraid, saying "I come from heaven." In the following days, this apparition appeared to them six more times, the last being in October of 1917, during which she instructed them to pray the Rosary in order to end World War I. During the course of these visits, the apparition is said to have given the children five different prayers, one of which would later become known as the Decade Prayer.
Soon, devout believers began visiting Fatima to pay homage to the miracle, and a small chapel was built at the site in the 1920s. In October of 1930, the bishop approved the reported apparitions as a genuine miracle. Use of the Fatima Prayer in the Rosary began around this time.
In the years since Fatima has become an important center of pilgrimage for Roman Catholics. Our Lady of Fatima has been very important to several popes, among them John Paul II, who credits her with saving his life after he was shot in Rome in May 1981. He donated the bullet that wounded him on that day to the Sanctuary of Our Lady of Fatima.
How to Pray the Rosary of the Blessed Virgin Mary
Catholics Celebrate The Feast of Our Lady of Mount Carmel on July 16
Prayers for October
Who Is the Virgin Mary?
First Approved Marian Apparition in the United States
Prayers for May, the Month of the Virgin Mary
Meditations on the Joyful Mysteries of the Rosary
Meditations on the Glorious Mysteries of the Rosary
How to Pray the Divine Mercy Chaplet on a Normal Rosary
Catholic Prayers for All Needs and Special Intentions
Novena to Mary, Undoer of Knots
A Prayer to Our Lady of Mount Carmel
A Novena to Our Lady of Lourdes
What Is a Novena? (Definition and Examples of Novenas)
Meditations on the Sorrowful Mysteries of the Rosary
The Life of Padre Pio, Catholic Saint


Charges:You are responsible for payment of any costs or expenses incurred as a result of downloading and using "Our Shoplist" mobile application, including any operator network and roaming charges. Please check with your service provider for details.
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Reverse Engineering: You agree not to disassemble, de-compile, reverse engineer, or otherwise attempt to gain access to the source code of "Our Shoplist" mobile application. You will not copy any part of "Our Shoplist" mobile application or make commercial use of, rent, lease, loan, sell, publish, license, sublicense, distribute, assign or otherwise transfer any part of "Our Shoplist" mobile application to any third party.
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text:
West Kirkland Closes $1.0 Million Non-Brokered Private Placement
Not for dissemination in the United States or to United States newswire services
VANCOUVER, BRITISH COLUMBIA, January 21, 2020 – West Kirkland Mining Inc. (WKM:TSXV) ("West Kirkland" or the "Company") announces that it has closed a private placement of common shares of the Company first announced on January 10, 2020. The Company issued an aggregate 16,673,334 common shares at a price of $0.06 per share for aggregate gross proceeds of $1,000,400 (the "Private Placement"). The Private Placement was completed with two of its major shareholders and six investors. A 6% cash finder's fee amounting to $21,360 was paid on a portion of the Private Placement, which was otherwise arranged by management.
The Company intends to use the net proceeds of the Private Placement on the completion of Phase 2 permitting of its 75%-owned Hasbrouck Project located in Nevada and for general working capital. The common shares issued pursuant to the Private Placement will bear a four-month and one day resale restriction from the date of closing, which the Company anticipates will occur as soon as possible after receipt of Exchange approval.
Sun Valley Gold Master Fund, Ltd. and Ruffer LLP, each being a related party to the Company under Multilateral Instrument 61-101 - Protection of Minority Security Holders in Special Transactions ("MI 61-101") by virtue of being a holder of more than 10% of the issued and outstanding common shares of the Company, participated in the Private Placement. The Private Placement therefore constitutes a "related party transaction" under MI 61-101. The Company relied upon exemptions from the valuation and minority shareholder approval requirements of MI 61-101 available pursuant to sections 5.5(b) and 5.7(1)(b) of MI 61-101, as the Company is not listed on a senior specified stock exchange and the Private Placement raised proceeds of less than $2,500,000.
The common shares sold pursuant to the Private Placement have not been, and will not be, registered under the U.S. Securities Act of 1933, as amended (the "U.S. Securities Act") or any U.S. state securities laws, and may not be offered or sold in the United States or to, or for the account or benefit of, U.S. persons absent registration or any applicable exemption from the registration requirements of the U.S. Securities Act and applicable U.S. state securities laws. This press release shall not constitute an offer to sell or the solicitation of an offer to buy securities in the United States, nor shall there be any sale of these securities in any jurisdiction in which such offer, solicitation or sale would be unlawful.
About West Kirkland Mining Inc.
West Kirkland is focused on advancing the Hasbrouck Project in Tonopah, Nevada. The Company owns a 75% interest in, and a 1.1% net smelter return royalty over, the Hasbrouck Project and is working towards completing full permitting for the project's gold reserves.
For further information, please see the Company's website at www.wkmining.com or contact us by email at [email protected].
(604) 685 8311 / [email protected]
Authors and Qualified Persons Statement
Sandy McVey, P.Eng., Chief Operating Officer for West Kirkland, and a non-independent Qualified Person as defined by National Instrument 43-101 Standards of Disclosure for Mineral Projects ("NI 43-101"), has reviewed the technical information contained in this news release and has verified the relevant data. Quality Control and Assay information is as previously disclosed in the Company's technical reports.
This press release contains forward-looking information or forward-looking statements (collectively "forward-looking information") within the meaning of applicable securities laws. Forward-looking information is typically identified by words such as: "believe", "expect", "anticipate", "intend", "estimate", "postulate" and similar expressions, or are those, which, by their nature, refer to future events. Forward-looking information in this news release includes, without limitation, discussion of permitting status and the timing thereof and other statements that are not historical facts. Information about details contained in the prefeasibility study are also forward-looking statements in that they reflect a prediction of the mineralization that would be encountered, and the results of mining it, if a mineral deposit were developed and mined. Although West Kirkland believes that such information as set out in this press release is reasonable, it can give no assurance that such expectations and estimates will prove to be correct. The Company cautions investors that any forward-looking information provided by the Company is not a guarantee of future results or performance, and that actual results may differ materially from those in forward-looking information as a result of various factors, including, but not limited to, the state of the financial markets for the Company's equity securities, the state of the market for gold or other minerals that may be produced generally, significant increases in any of the machinery, equipment or supplies required to develop and operate a mine, a significant change in the availability or cost of the labor force required to operate a mine, a significant increases in the cost of transportation for the Company's products, variations in the nature, quality and quantity of any mineral deposits that may be located, the Company's ability to obtain any necessary permits, consents or authorizations required for its activities, to raise the necessary capital or to be fully able to implement its business strategies and other risks associated with the exploration and development of mineral properties. The reader is referred to the Company's public filings for a more complete discussion of such risk factors and their potential effects which may be accessed through the Company's profile on SEDAR at www.sedar.com.
This press release has been prepared in accordance with the securities laws in effect in Canada, which differ from the requirements of U.S. securities laws. Unless otherwise indicated, all resources and reserve estimates reported by the Company in relation to the 2016 Updated Pre-feasibility Study have been prepared in accordance with NI 43-101 and the Canadian Institute of Mining, Metallurgy, and Petroleum Definition Standards on Mineral Resources and Mineral Reserves. NI 43-101 is a rule developed by the Canadian Securities Administrators which establishes standards for all public disclosure an issuer makes of scientific and technical information concerning mineral projects. Canadian standards, including NI 43-101, differ significantly from the requirements of the U.S. Securities and Exchange Commission (the "SEC") Industry Guide 7, and resource or reserve information contained herein may not be comparable to similar information disclosed by U.S. companies. In particular, and without limiting the generality of the foregoing, "resources" and "reserves" established under NI 43-101 standards may not qualify as "resources" and "reserves" under U.S. standards. Under U.S. standards, mineralization may not be classified as a "reserve" unless the determination has been made that the mineralization could be economically and legally produced or extracted at the time the reserve determination is made. In addition, under U.S. standards, a "Final" or "Bankable" feasibility study is required to report reserves, the three-year historical average price is used in any reserve or cash flow analysis to designate reserves and the primary environmental analysis or report must be filed with the appropriate governmental authority. Disclosure of "contained ounces" in a resource is permitted disclosure under Canadian regulations; however, the SEC normally only permits issuers to report mineralization that does not constitute "reserves" by SEC standards as in-place tonnage and grade without reference to unit measures. Accordingly, information concerning mineral deposits set forth in this press release may not be comparable with information made public by companies that report in accordance with U.S. standards.
Neither the TSX Venture Exchange nor its Regulation Services Provider (as that term is defined in the policies of the TSX Venture Exchange) accepts responsibility for the adequacy or accuracy of this release.


Here is a first FreeTutorial in my Crochet Makeup Amigurumis series for this month of November.
My second Passion after Crochet is makeup, So How natural for me to join both in this Pre Xmas season.
This makeup crochet collection could be the perfect toy for your little fashionista, but it could be the perfect Theme as well for this year Xmas tree ornament ...so lets dive into the world of Crochet Makeup AnnooCrochet Designs style, and lets Begin with the Fashionista Lipstick. I will Post one Makeup Amigurumi Free Pattern each week!!!
Happy Crochet my fellow crafters.


text:
Q: How to add a space in front of every line in notepad I have a list of data in notepad and want to insert a space in the beginning of each line.
Example
This is how it looks in the notepad now
Number

"123"

"123"

"124"

"126"

"147"

I want it to look like below
    Number

    "123"

    "123"

    "124"

    "126"

    "147"

I am sure there is some short cut. Please advice.

A: Open your file in Notepad++
Press Ctrl+H to open the Replace window.
Change the "Search Mode" to Regular expression.
In the "Find what" box, type (\n|^)
In the "Replace with" box, type \1     (with your spaces or tab at the end)
Then click "Replace All"
Note: If you want tabs instead of spaces, a tab character can be typed with Alt+09

A: Press Alt and select the line no. move curser till the line no you want to have space . Now you can enter spaces as many you want or anything and save it.

redpajama_set_name: RedPajamaStackExchange


The deadline for registration is 23rd March.
For more information about the schedules of the workshops and content, see the workshops page.
Accommodation needs to be purchased separately. Most delegates are staying in the Hotel Ibis Leeds Centre, so we recommend booking in there.


text:
It seems old scams never die, they just evolve
I'm not going to name either party – not victim nor perpetrator – because this is still an unresolved situation. A cold-calling rep came into the store and said he could appeal the rates and the only charge would be £795 + VAT. The retailer could change his mind if he didn't want to proceed. He asked him to sign two documents. (Yes, he now knows this was mistake number two; the first was talking to the rep in the first place.)
When he checked the documents later, he noticed that the rep had also ticked one of the boxes saying there would be another 25% charge for this year's evaluation and for the next two (in 2022 and 2027).
He decided to cancel and is now getting threatening calls from their legal department saying he is in breach of contract and that not only was £795 owed (plus VAT) but also another £418.75 (plus VAT) cancellation fee. Adding it all up it came to £1,037.75 for doing sod-all.
After looking at the letter and invoices and documents I showed them to specialist Ken Batty. We originally thought that the company was misleading the client by saying that the interim payment of £795 becomes payable once the proposal has been approved by the VOA. These days in reality no approval is sent out by the VOA until you register yourself on the Government Gateway site whereby you have to tell the government that you have given approval to whomever to act as your agent. (This should help to head off the cowboys.) And, of course, the retailer hadn't followed that procedure.
But on closer inspection we saw that our retailer had signed the company's Service Undertaking, which says the company will provide all the necessary information for the Government Gateway on request – failure for the retailer to comply would result in a cancellation fee. It is a stitch-up, no question.
Ken Batty has recommended that the retailer must say that he disagrees with this so-called customer care letter (ie the Service Undertaking) as the document should have been left with him for his consideration. Nor was he given the mandatory cooling-off period.
I've advised him that he will need to stand up robustly to the company. Any judge would find this to be an unfair contract: an astronomical fee following one brief visit to your premises by a cold-calling rep.
The company also "urged" him to go to a firm of solicitors specialising in contract law. I said: Don't do that – the contract was designed to stitch him up and unfortunately he signed it. He must stand his ground, tell them he won't pay and will defend his position should it come to court.
It's scary territory, but that is what they are counting on. They expect you to cave in.
And from both Ken and I: it is always the cowboys who call out of the blue asking for signatures on the spot. Don't. Do. It.
Dear Jac - Scams
On the lookout for fraudsters using contactless cards?
There seems to be a pattern to it.
This required prompt action or face the threat of bankruptcy
It was really an idle threat though that collapsed when challenged…
Watch out for statutory demands - they need a reply
If you don't respond they could bankrupt you…
More Dear Jac
The former hit is no longer showing on a screen near you
Will there ever be a remake? Rhino Media hopes so
So much crime…so little help. Is it worse than ever?
This retailer has good reason to think it is so.
Daljit Benning rang me from Paddy's News and Booze in Sunderland with a bit of a dilemma.


You might think George Romero, who all but established the rules and conventions for how zombie movies work, would be a bit tired of the genre after 40 years of doing it. You'd be wrong.
Sometimes nothing is better than something. George A. Romero's latest zombie retread demotes the 70-year-old filmmaker to a pale imitation of the groundbreaking director who invented zombie satire in 1968 with Night of the Living Dead, and then went on to full-on postmodern force with Dawn of the Dead and Day of the Dead.
George Romero promotes the DIY ethic in the clunky yet catchy Diary of the Dead.
Amid the obligatory splattered brains and oozing entrails, Romero examines the ubiquity of our multimedia culture, a world where "if it's not on video, it's not real," and assails how the YouTube generation has become desensitized to violence, disaster, war and death.
Diary had its U.S. debut at Sundance in January and was easily one of the fiercest pictures on show. In fact, I'm not aware of any fiction features that might hold such sting.


text:
The Verge – Review: Tetris Effect is a glorious love letter to Tetris
"It's a robust package that does Tetris justice. Unlike many modern interpretations, Tetris Effect doesn't mess with what made the original game so loved. Instead, it augments it, making it feel modern, beautiful, and surprisingly emotional. After nearly three decades, I've finally found a replacement for my favorite NES game."
The Verge – Review: Tetris Effect is a glorious love letter to Tetris2018-11-092021-05-21https://www.tetriseffect.game/wp-content/uploads/2020/07/connected-logo.pngTETRIS® EFFECT: CONNECTEDhttps://www.tetriseffect.game/wp-content/uploads/2018/11/3_hula.soul_.jpg200px200px
Chat with us on Discord
Privacy Policy and User Agreement
Tetris Effect Press Kit
Influencer Relations
Influencer Application Form
enhance-experience.com
Tetris Effect Rating Information
Tetris ® & © 1985~2023 Tetris Holding. Tetris logos, Tetris theme song and Tetriminos are trademarks of Tetris Holding. The Tetris trade dress is owned by Tetris Holding. Licensed to The Tetris Company. Tetris Game Design by Alexey Pajitnov. All Rights Reserved. Tetris Effect produced and published by Enhance Experience, Inc. Developed by Resonair, Monstars Inc. and Stage Games. Unreal, Unreal Engine and the circle-U logo are trademarks or registered trademarks of Epic Games, Inc. in the United States and elsewhere. All other copyrights and trademarks are the property of their respective owners.


text:
Homepage » Social Media » Windows Store crosses 50000 Total Apps mark
Windows Store crosses 50000 Total Apps mark
MicrosoftSocial MediawindowsWindows Store
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By Darshik Jariwala - March, 25th 2013
The guys at Microsoft finally have something to cheer about in their Windows Store department. Windows store now consists of more than 50000 applications. It was reported by a site named MetroStore Scanner, which shows that there are 50,341 apps available to download, at the time of writing this post.
Of course it is not even close to Apple iTunes store which has more than 800,000 applications available for download or even Android for that matter. It appears that after Apple and Android, the developers are finally taking interest in Windows apps as well. The app submission rate wasn't too great since November last year for Windows Store, as reported by PC Mag, also adding that, the submissions dropped from 400 to meager 150 last month. However, things are finally looking good and since March, the submission has increased to 280 apps.
Microsoft had recently started a new campaign named, "Keep the Cash" for developers, stating they will pay $100 for each app a developer submits, each developer can submit up to 10 apps, the max payout for each developer would be $2000. The catch, however, is that the app has to be creative and based on a new idea. So the apps which look like an extension of existing or known app/game or whose idea is borrowed or inspired by other apps/game won't be entertained. The developers have until 30th June this year to submit and their apps. Another bad news is that the campaign is only available for United States.
Twitter released their official app for Windows just a few weeks ago. There has been no word as to when Facebook plans to release their app. There are many apps which are not yet available for Windows Store. This might be a slow start but hopefully they too will start rolling out in the coming months.
Source – MetroStore Scanner
Photo Credit – Pete/Flickr
Darshik Jariwala
Darshik Jariwala is an IT Professional from Canada, with 3+ years of experience and knowledge in various verticals in the IT industry. In his leisure time, he loves writing Blogs, Reading, watching Movies, occasional Photography and most of all having coffee with friends. You can also befriend him on Google+, Twitter and Facebook.
Twitter enables Forward Secrecy, makes decrypting data more difficult for eavesdroppers
Your personal information is out there for everyone, aren't you worried?
Goodreads is set to be acquired by Amazon
2 Comments to Windows Store crosses 50000 Total Apps mark
Matt on March 25, 2013 20:10:04
I think it's a good idea and will drive innovation. I'm a little surprise that Microsoft didn't specify an exclusivity period for the app
KTen on June 1, 2013 06:57:49
Eh, I took a look at Windows 8 development after a long hiatus away from Windows, but decided it's not worth it. The costs to a developer are pretty high, just the min hardware requirements, fees for MSDN, etc.
So like other devs I decided not to pursue app dev on the new "green stack" from Microsoft.
Android really does seem like the place to go. Re-using one's Android patterns should pay off handsomely as that platform keeps spreading to new form factors and devices.
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The role of socks in your overall comfort when running or jogging, working out, hiking or playing sports should not be underestimated. Socks keep your feet dry and comfortable throughout the day, allowing you to perform any athletic task without having to give thought to your feet's comfort.
No matter what your activity, adding sports socks to your athletic wear is a decision that will save your feet many aches and pains. At Schuylkill Valley Sports, we offer a top selection of brands, styles and colors of men's and women's sports socks to improve your athletic comfort and match your personal or team style.
Perhaps the most important factor in choosing athletic socks is the type of material the socks are made of. Most socks are designed using a blend of different fabrics. Knowing the properties of each will allow you the best ability to choose the right sports socks for you.
Polyester or nylon — These materials are quick-drying and add durability to your socks. They're often blended with other materials to create a mix of strength, flexibility and breathability.
Acrylic — Similar to but less expensive than Merino wool, this material is comfortable and quick-drying to provide the ultimate fit and feel.
Elastane or spandex — These materials allow your socks to stretch to fit your feet properly. They're typically blended with other materials, only composing a small percentage of the sock's fabric.
Cotton — Little-known to many people, cotton is not a breathable material. It holds moisture, creating the perfect environment for blisters on sweaty feet. It's highly recommended to avoid buying socks with 100% cotton content for high-performance activities, although they can be worn for everyday wear.
The height of the socks you need varies by activity. Providing the right amount of coverage for your needs keeps your socks in place and provides support to your ankles. There are four heights to consider in choosing your ideal socks.
Ankle and quarter socks — These are both great for general use, walking, running or biking. Ankle socks, the shortest socks available, rest right below the ankle while quarter socks rest at the top of the ankle.
Crew socks — These socks go partway up the calf and provide maximum support during hiking, specifically when worn with tall hiking shoes.
Over-the-calf socks — These socks go all the way up the calf and support your calves and ankles during field sports. They can be worn for soccer, baseball, basketball or other team sports, as well as for skiing.
The thickness of your sports socks is primarily a personal preference.
Thicker socks have greater cushioning, but they can also be uncomfortable in smaller shoes such as running shoes. Thinner socks provide greater breathability, but they can also rub your feet the wrong way if you'll be doing miles of walking every day.
Experimenting with different styles can be a good way to find the perfect thickness that works with your feet and your shoes.
Schuylkill Valley Sports offers a wide selection of sports socks to fit all your athletic needs. Shop online or visit us in store to see our full range of athletic wear. Free shipping on any order over $50!


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pet considered. Available early July.
garage!!! No smoking, no pets.
hot tub and pool. One year lease.


On August 31, 2007, the U.S. Department of Defense issued final regulations implementing the Talent Amendment, also known as Section 670 of the John Warner National Defense Authorization Act for the Fiscal Year 2007 ("Act"). The regulations are meant to regulate the terms of certain credit extensions, including payday loans, vehicle title loans and refund anticipation loans, to active duty service members and their dependents. The final regulations will take effect on October 1, 2007, and will apply only to consumer credit extended by creditors to a covered borrower and consummated on or after October 1, 2007.
Payday loans, meaning closed-end credit with a term of 91 days or fewer in which the amount financed does not exceed $2,000 and the covered borrower: (i) receives funds from and incurs interest and/or is charged a fee by a creditor, and contemporaneously with the receipt of funds, provides a check or other payment instrument to the creditor who agrees with the covered borrower not to deposit or present the check or payment instrument for more than one day or (ii) receives funds from and incurs interest and/or is charged a fee by a creditor, and contemporaneously with the receipt of funds, authorizes the creditor to initiate a debit or debits to the covered borrower's deposit account (by electronic fund transfer or remotely created check) after one or more days.
Vehicle title loans, meaning closed-end credit with a term of 181 days or fewer that is secured by the title to a motor vehicle that has been registered for use on public roads and owned by a covered borrower, other than a purchase money transaction described in Section 232.3(b)(2)(ii) of the regulations.
Tax refund anticipation loans, meaning closed-end credit in which the covered borrower expressly grants the creditor the right to receive all or part of the borrower's income tax refund or expressly agrees to repay the loan with the proceeds of the borrower's refund.
A "covered borrower" is defined as a person, at the time he or she becomes obligated on the transaction, who is (i) a regular or reserve member of the Army, Navy, Marine Corps, Air Force or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer, or such a member serving on Active Guard and Reserve duty as that term is defined in 10 U.S.C. Section 101(d)(6), or (ii) the member's spouse, the member's child as defined in 38 U.S.C. Section 101(4) or an individual for whom the member provided more than one-half of the individual's support for 180 days immediately preceding a covered extension of consumer credit.
Generally, a creditor or its assignee who extends consumer credit to a covered member or dependent may not require the member or dependent to pay a military annual percentage rate ("MAPR") with respect to such extension of credit, except as (i) agreed to under the terms of the credit agreement or promissory note, (ii) authorized by applicable state or federal law and (iii) not specifically prohibited by the regulations. Moreover, the regulations define MAPR to include the following cost elements associated with the extension of credit if they are financed, deducted from the consumer credit proceeds or otherwise required to be paid as a condition of the credit: interest, fees, service charges, credit renewal charges, credit insurance premiums (including charges for single premium credit insurance), fees for debt cancellation or debt suspension agreements and fees for credit-related ancillary products sold in connection with and either at or before consummation of the credit transaction. Specifically, a creditor or its assignee may not impose an MAPR greater than 36% in connection with an extension of consumer credit to a covered member or his/her dependent.
A statement discussing protections under federal law for military members.
The creditor must provide these disclosures in writing in a form the covered borrower can keep, and also must provide the disclosures required by items (i), (iii) and (iv) above orally before consummation.
A creditor is prohibited to extend consumer credit to a covered borrower as to which the creditor(i) rolls over, renews or consolidates any consumer credit extended to a covered borrower by the same creditor with the proceeds of other consumer credit extended by that creditor to the same covered borrower, unless the new transaction results in more favorable terms to a covered borrower, such as a lower MAPR, (ii) requires a covered borrower to waive his/her right to legal recourse under any otherwise applicable provision of state or federal law (including any provision of the federal Servicemembers Civil Relief Act), the Act or the regulations, (iii) requires a covered borrower to submit to arbitration or imposes other onerous legal notice provisions in the case of a dispute, (iv) demands unreasonable notice from the covered borrower as a condition for legal action and/or (v) uses a check or other method of access to a deposit, savings, or other financial account maintained by the covered borrower, or uses the title of a vehicle as security for the obligation, except that, in connection with a consumer credit transaction with an MAPR consistent with Section 232.4(b), the creditor may: (a) require an electronic fund transfer to repay a consumer credit transaction, unless otherwise prohibited by Regulation E (Electronic Fund Transfers) 12 CFR Part 205, (b) require direct deposit of the consumer's salary as a condition of eligibility for consumer credit, unless otherwise prohibited by law or (c) take a security interest in funds deposited after the extension of credit in an account established in connection with the consumer credit transaction, if not otherwise prohibited by applicable law.
As a safe harbor, the regulations do not apply to a consumer credit transaction if the creditor (i) provides an applicant, prior to the applicant's becoming obligated on a transaction, a clear and conspicuous "covered borrower identification statement" substantially similar to the statement set forth in Section 232.5(a)(1) and each applicant signs the statement indicating that he/she is not a covered borrower and (ii) has not determined pursuant to the optimal verification procedures in Section 232.5(b) and (c) that such applicant is a covered borrower.
Ten U.S.C. Section 987 as implemented by the regulations preempts any state or federal law, rule or regulation, including any state usury law, to the extent such law, rule or regulation is not preempted by such regulations to the extent that it provides protection to a covered borrower greater than those protections provided by 10 U.S.C. 987 and the regulations. Different treatment under state law of covered borrowers is prohibited. States may not: (i) authorize creditors to charge covered borrowers interest rates that are higher than the legal limit for residents of the state or (ii) permit the violation or waiver of any state consumer lending protection that is for the benefit of residents of the state on the basis of the covered borrower's nonresident or military status, regardless of the covered borrower's domicile or permanent home of record if the protection otherwise would apply to the covered borrower.
Nothing in the regulations may be construed to limit or otherwise affect the applicability of Section 207 (relating to the maximum rate of interest on debts incurred before military service) and any other provisions of the Federal Servicemembers Civil Relief Act.
If you should require help in complying with the regulations or would like assistance in drafting a safe harbor identification statement, we would be glad to assist you.


What happens when you combine twisted sisters with black sheep? "Local Color" happens.
Come meet the artists and see their work at the "Local Color Art Show" on Saturday, March 31 from 10 a.m. to 4 p.m.
Melissa Steyer and sisters Beth and Melissa Perkins started showing art in Beth's back yard 10 years ago, and as their show grew they added the founding members of the Black Sheep Gallery.
A tradition began eight years ago and blossomed into an annual event held every year at Whidden's Marina. Locals consider Whidden's a step back in time and a treasure of the island. The marina has been there since 1925.
Patti Middleton is a local historian and watercolor painter. If you glance around town, you'll find her work everywhere, from the signs welcoming you to the island to the menu you might be holding while having lunch at one of the restaurants on the island.
Classic metal sculptor Stuart Hoeckel will be at the show with his copper sculptures of local flora and fauna. He has been sculpting and creating his art inspired by nature for many years.
Festival attendees will get to know Melissa Joiner Steyer for her ability to capture the beauty of nature in her own backyard. She has been capturing the essence of the island since she was a young girl. And she's also available for portrait work.
Daniel Godwin, original Bocanut creator and multi-faceted artist known for his creative use of local fauna to create whimsical creatures, will also be at the show. His love of the island and his ability to capture local art on canvas make for a true treat.
Jeweler Beth Perkins, who is known for organic combinations of silver and stones, and also leather and pearls, has been creating simple and organic jewelry for years. Using seashells, stones and sea glass and combining the materials with precious metal, the outcome is beautiful pieces of art.
A new member of Local Color this year is illustrator and painter Elayne Sears. She will have several of her sketches and paintings on display.
Melissa Perkins, known to locals as one of the original Twisted Sisters, has her own twist on stained glass. Melissa combines old windows, recycled glass and repurposed objects to create her one-of-a-kind windows.
Glassblower Rich Fizzer will be showing his work, which can be found in many galleries around the country.
And finally, local legendary artist Carroll Swayze will bring her colorful paintings and her newest book – a coloring/cookbook.
Whidden's Marina is located at 190 First Street East in Boca Grande.
Older PostISLAND LEO BEAT: Keeping the GICIA Bike Path safe!


New Age Shops Belfast - The Near.co.uk directory of Belfast new age shops and recommended new age stores in Belfast lists new age shops in Belfast and provides contact details and reviews of Belfast new age stores who offer crystals and new age gifts. Read reviews of your nearest local new age shop in Belfast and write your own reviews too. List your crystals business on the Belfast New Age Shops Directory today!


Systems for Mechanical Applications (SMA) is a leading Palestinian engineering company, that mainly work in the field of distributing water networks fittings and accessories.The company is an exclusive distributer for three leading internation companies in the field of water valves and fittings. The companies are VAG in Germany, Georg Fischer in Switzerland and Itap in Italy.
VAG is a specialized company in the field of Valves manufacturing, while GF produces high quality galvanized and electro-fusion fittings. Finally, Itap produces brass fittings and house connections.
Our Vision at SMA is to provide complete solutions for our customers. These solutions includes our full technical and service support before and after sales.


text:
Suspect's parents charged in Michigan school shooting
Published December 03. 2021 12:27PM | Updated December 03. 2021 6:01PM
By COREY WILLIAMS and ED WHITE
PONTIAC, Mich. (AP) — A prosecutor in Michigan filed involuntary manslaughter charges Friday against the parents of a boy who is accused of killing four students at Oxford High School, after saying earlier that their actions went "far beyond negligence."
Jennifer and James Crumbley were charged with four counts of involuntary manslaughter. Under Michigan law, an involuntary manslaughter charge can be pursued if prosecutors believe someone contributed to a situation where harm or death was high. If convicted, they could face up to 15 years in prison.
"The parents were the only individuals in the position to know the access to weapons," Oakland County prosecutor Karen McDonald said Thursday. The gun "seems to have been just freely available to that individual."
Ethan Crumbley, 15, has been charged as an adult with two dozen crimes, including murder, attempted murder and terrorism, for the shooting Tuesday at Oxford High School in Oakland County, roughly 30 miles (50 kilometers) north of Detroit.
Four students were killed and seven more people were injured. Three were in hospitals in stable condition.
The semi-automatic gun was purchased legally by Crumbley's father last week, according to investigators.
Parents in the U.S. are rarely charged in school shootings involving their children, even as most minors get guns from a parent or relative's house, according to experts.
There's no Michigan law that requires gun owners keep weapons locked away from children. McDonald, however, suggested there's more to build a case on.
"All I can say at this point is those actions on mom and dad's behalf go far beyond negligence," she told WJR-AM. "We obviously are prosecuting the shooter to the fullest extent. ... There are other individuals who should be held accountable."
Later at a news conference, McDonald said she hoped to have an announcement "in the next 24 hours." She had firmly signaled that Crumbley's parents were under scrutiny when she filed charges against their son Wednesday.
Sheriff Mike Bouchard disclosed Wednesday that the parents met with school officials about their son's classroom behavior, just a few hours before the shooting.
McDonald said information about what had troubled the school "will most likely come to light soon."
Crumbley stayed in school Tuesday and later emerged from a bathroom with a gun, firing at students in the hallway, police said.
The superintendent for the district late Thursday posted a YouTube video where he said the teenager was called to the office before the shooting but "no discipline was warranted."
Tim Throne, leader of Oxford Community Schools, said the high school looks like a "war zone" and won't be ready for weeks. But he repeatedly credited students and staff for how they responded to the violence.
"To say that I am still in shock and numb is probably an understatement. These events that have occurred will not define us," Throne, grim-faced and speaking slowly, said in the 12-minute video.
"I want you to know that there's been a lot of talk about the student who was apprehended, that he was called up to the office and all that kind of stuff. No discipline was warranted," Throne said. "There are no discipline records at the high school. Yes this student did have contact with our front office, and, yes, his parents were on campus Nov. 30."
Throne said he couldn't immediately release additional details.
White reported from Detroit. Associated Press journalist Mike Householder in Detroit also contributed to this report.
U.S. announces $83M in latest round of tribal housing grants
The U.S. Department of Housing and Urban Development has announced another round of tribal housing grants
Hong Kong authorities say they will kill about 2,000 small animals, including hamsters, after several tested positive for the coronavirus at a pet store where an employee was also infected
The Biden administration on Tuesday quietly launched its website for Americans to request free at-home COVID-19 tests, a day before the site was scheduled to officially launch
AT&T and Verizon say they will delay some new 5G wireless service after the airline industry raised alarms about potential interference with important systems on planes


text:
Q: Python For loops with while and if statements: Why doesnt it return in the first case? Hey guys I know this question might seem dumb, but I just started. This is Python 3.7.
Any way I have written 2 versions of the code, the second one works, but I've added another while loop where I thought it wasn't needed. Why doesn't the first version work? Its iterating a list of numbers (nums).
This is from a problem statement:
Write a function that takes in a list of integers and returns True if it contains 007 in order.

*

*spy_game([1,2,4,0,0,7,5]) --> True

*spy_game([1,0,2,4,0,5,7]) --> True

*spy_game([1,7,2,0,4,5,0]) --> False

My first code was this, and it always returned False:
z = 0

for i in nums:
    while z < 2:
        if i != 0:
            break
        else:
            z += 1
            break
    if i != 7:
        break
    else:
        return True

return False

Why does this change, make it work?
z = 0

for i in nums:
    while z < 2:
        if i != 0:
            break
        else:
            z += 1
            break
    while not z < 2:
        if i != 7:
            break
        else:
            return True

return False

Thanks very much!

A: Your problem is the way you're using the while-loop. The code in the while-loop is executed as long as the condition is met. However, you call a break or return inside the while-loop in each way.
So what you actually want to use is an if-statement instead of the while-loop. Then the break would work the way you expected it to work in the first example. The break makes the program jump out of the current loop, that is the while-loop. But for the first example to work correctly, it should jump out of the higher for-loop. Using if instead of while should fix this.
Maybe try something like this:
z = 0

for i in nums:
   if z < 2:
      if i == 0:
         z += 1
   else:
      if i == 7:
         return True

return False


text:
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The founders of jug productions in Boleráz were descendants of Hutterite jug makers in the 18th century. The Boleráz sigma soon became synonymous with quality of jug making work. The share in fame did not only belong to the member of the significant jug-making family Kitta, which was active in Boleraz from the last third of the 18th century, but also to the insurmountable factor of differentiation of the local ceramics production. Workshop of Boleráz belongs to those jug making communities that were majorly influenced by the Holíč manufacturing. Holíč factory's production of faience dishware was considered a big source of inspiration. The Holíč products were not only influenced by the leading European production workshops but oriental work and patterns as well. Part of the collection of the Museum in the castle of Červený Kameň in Častá, are artifacts that embody the quality of artistic-craftsmanship processing which was signature to its heritage in the Holíč factory for faience dishware. They are however the two products of Boleráz masters, thus clearly demonstrating the massive effect Holíč manufacturing had on local jug makers. One of the pieces is a round plate with an octagonal hatch to serve as a serving dish. The fact that the pieces have been preserved in the Museum's collections fund speaks for the fact that the buys of Boleráz jugs were not only rural and townspeople and landowners, but members of high nobility as well.


Ambergris Caye and Belize are fabulous for sailing! Whether your trip is exploring the island in a 19 foot Lightning Day Sailor, racing a friend in one of the Hobie Cats, flying a hull on the Hobie Getaway, or just plain sailing to relax and enjoy the view, Ambergris Caye and Belize is your perfect spot! Warm, crystal clear water, steady winds, you just can't beat Belize!
The reef located 2/3 mile offshore creates a flat water paradise for sailors. As the local saying goes, "there's always a breeze in Belize" meaning you can nearly always get out and sail. On average the most consistently windy time is February through June with 12–20 knots most days.
But wait, what if you're a beginner who wants to get into sailing or someone who wants to improve their sailing skills? We got you covered!
If you want to get into sailing or improve your skills then our instructors are qualified Royal Yachting association instructors. We offer a variety of courses to suit various needs.
We also have Introduction to Sailing Catamarans. This one hour lesson is given in a Hobie Wave. You will learn how to tack and gybe this easy to sail catamaran. The instructor will take you through the basics and will then give the tillers to you. You will also be taken through a capsize drill. After an hour you should be competent to sail the boat on your own. Max 2 people plus instructor.
For total beginners, we have the Beginner Course. This five-hour course covers rigging, sailing techniques, capsize drill, sail trim. It involves sailing in a variety of boats. At the end of the course, you will be a confident and competent Sailor with a good all-round knowledge of the basics of sailing. Max 3 people plus instructor.


Perfect for pinning up, don't let your guests forget the date!
Each Save the Date comes in a premium envelope.
Dimensions 120 x 60 mm. Paper weight 300 gsm.
This Save the Date is foiled on the front, and digitally printed with your personalised text on the reverse.


Beachin' Baby rents everything you need for the Baby and Family on a beach vacation. Rent Baby cribs, pack & plays, strollers, car seats and much more. Prices are for weekly rental in the Ocean Isle, NC to Myrtle beach, SC area. We will deliver and pick up at your location, renter must be on-site and available to help.
If you are within 2 weeks of travel please call 704-606-7916 before ordering.


text:
Q: вывест на страницу одни значения, без ключа использую phpmorphy
такой код:
$word = 'УРЮПИНСК';

$city = var_dump($morphy->castFormByGramInfo($word, null, array('ЕД', 'ПР'), true));
echo $city;

необходимо вывести название города в предложном падеже.
выложу весь код, может здесь где ошибся:
<?php
    // Подключите файл common.php. phpmorphy-0.3.2 - для версии 0.3.2,
    // если используется иная версия исправьте код.
    require_once( 'phpmorphy-0.3.7/src/common.php');

    // Укажите путь к каталогу со словарями
    $dir = 'phpmorphy-0.3.7/dicts';

    // Укажите, для какого языка будем использовать словарь.
    // Язык указывается как ISO3166 код страны и ISO639 код языка,
    // разделенные символом подчеркивания (ru_RU, uk_UA, en_EN, de_DE и т.п.)

    $lang = 'ru_RU';

    // Укажите опции
    // Список поддерживаемых опций см. ниже
    $opts = array(
        'storage' => PHPMORPHY_STORAGE_FILE,
    );

    // создаем экземпляр класса phpMorphy
    // обратите внимание: все функции phpMorphy являются throwable т.е.
    // могут возбуждать исключения типа phpMorphy_Exception (конструктор тоже)
    try {
        $morphy = new phpMorphy($dir, $lang, $opts);
    } catch(phpMorphy_Exception $e) {
        die('Error occured while creating phpMorphy instance: ' . $e->getMessage());
    }

    // далее под $morphy мы подразумеваем экземпляр класса phpMorphy
    $word = 'УРЮПИНСК';
    $city = var_dump($morphy->castFormByGramInfo($word, null, array('ЕД', 'ПР'), true));
    echo $city;
?>