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There’s nothing positive to be gained for credit unions by the ongoing efforts of some individuals and some organizations constantly making comparisons, usually derogatory in nature, between small and large CUs. Although nothing new, unfortunately it seems like the volume is being turned up again. Putting all small credit unions on a pedestal and describing them as “the backbone of credit unions,” or as “the only real credit unions,” or as “what credit unions are really all about,” or as “the only reason credit unions don’t lose their n-f-p tax exemption,” is just plain ridiculous. It also shows profound ignorance regarding what makes a credit union a credit union. It certainly isn’t asset size! On the other hand, badmouthing large credit unions by charging that they “have become banks,” or that “they only care about the bottom line,” or that “they have lost sight of their mission,” or that “they don’t know their members and lack compassion,” also makes no sense and is equally ridiculous. Besides that, such assertions regarding both small and large credit unions are flat out wrong! Who does this? As you would expect, lobbyists and spokespersons from the dozens of not-for-profit national and state commercial banking trade associations. Also, congressional politicians, including some who are in powerful positions, have been known to generate such inflammatory rhetoric. So have credit union folks including some in high places. NCUA Board Member Deborah Matz is telling credit union audiences across the country in her get-acquainted speech appearances that “small credit unions are the backbone of the credit union community.” She goes on to explain: “small credit unions are performing the fundamental mission for which credit unions were created.” Small credit unions are not the backbone of the credit union community. All credit unions, regardless of asset size, that serve all of their members as effectively as possible, are the backbone of the credit union “community.” There is no argument that many small credit unions do a good job of serving their members, at least within the constraints of being small. But many large credit unions also do a good job of serving all of their members. Within that membership are individuals from all walks of life and every socio-economic level, the very same people served by small credit unions. So what makes small credit unions a “backbone?” Is it because they are trotted out every so often for avoiding taxation political purposes? Probably! But this too is wrong as well as dishonest. If all the larger credit unions disappeared as CUs tomorrow, would the American consumer be better off being served by the remaining “backbone” credit unions? Of course not! As for the comment regarding performing the fundamental mission, etc. yes, small credit unions do that and do it exceedingly well. But so do larger credit unions and in many instances, because they have the necessary resources, do it better than many small credit unions could ever hope to do. This statement has nothing to do with emotion or politics. It is just the reality of the credit union marketplace and virtually every other market place in this country. Small by definition does not automatically mean good. Nor does large automatically mean bad. All credit unions are exactly the same from a structure and purpose standpoint. All credit unions, regardless of asset size, are covered by the CU definition at the end of this column. All credit unions need to be evaluated based on what they do for their members. Period! Successful, when applied to credit unions, does not refer to size but strictly to member satisfaction. The crazy idea fostered by a previous NCUA Chairman that only small credit unions serve the (choose one) underserved, low income, poor, limited income, disadvantaged is part of the big lie advocated by the banking industry. What some “backbone” advocates may be overlooking is the fact that there are a number of credit unions that are small and have been small for many years because they are not doing a good job of serving their members. Others are small because the credit union has become the private preserve of a “manager” who doesn’t want the credit union to grow because to make that happen would require more effort than he or she is willing to put forth. Much easier to sit back and enjoy the accolades of those who think that small is an acronym for excellent. It is not. There are those who feel large credit unions should provide financial support and additional resources to small credit unions as part of their obligation for being large. Many large credit unions do in fact assist smaller credit unions in dozens of ways. That’s great, but they have no obligation to do so. Something else to think about: a major share of CU trade group dues dollars go to help smaller credit unions. Ditto regulatory dollars. Yet, all small credit unions together represent far fewer members than the larger credit unions. Most small credit unions do an outstanding job for their members. Many are small only because they serve a very limited “field of membership” and face serious expansion obstacles. Never forget that at one time even the very largest credit unions were small credit unions. Did they grow for growth’s sake as some have charged? Or did they grow because they were able to keep up or even ahead of members’ changing financial needs? For the record, I am not anti small credit unions. I have made that point in many previous columns. But I am against calling any segment of credit unions, small or large, a “backbone.” Finally, here’s that definition again, slightly modified based on the above: A credit union, regardless of size, is a not-for-profit financial cooperative organized to serve the changing financial needs of all the members who own it. Comments? Call 1-800-345-9936, Ext. 15, or Fax 561-683-8514, or E-mail [email protected]

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Travis Tygart hits out at Thor Hushovd over Armstrong silence

USADA boss Travis Tygart has criticised Thor Hushovd for not coming forward after Lance Armstrong admitted to him he'd doped

Thor Huovd and Lance Armstrong on stage three of the 2009 Tour de France
(Image credit: Graham Watson)

Recently retired Thor Hushovd is 'no hero' for keeping silent about Lance Armstrong's doping after hearing about it in 2011, says US anti-doping boss Travis Tygart.

"You're no hero when you sit still without doing something about injustice against great athletes," Tygart told Norway's VG website.

"It's a sad day when athletes are afraid to or unable to stand up for fair play and integrity in sport."

The head of the US Anti-Doping Agency (USADA) led the case against Lance Armstrong and found him guilty of doping throughout most of his career. It led to a lifetime ban for the American and the loss of his seven Tour de France wins.

The 36-year-old Nowegian and 2010 World Champion wrote in his autobiography, Thor, released on Wednesday, that Armstrong admitted to him he doped. At a 2011 lunch in Los Angeles, one year before Tygart's investigation found Armstrong guilty, Armstrong told the Norwegian, "we all did it."

Armstrong spoke with Hushovd after the Tour of California. During that time, Tyler Hamilton accused his former team-mate of doping and Armstrong called Hamilton a liar.

Instead of speaking out or telling investigators what he knew, Hushovd was quiet. "I did not realise that about him," Hushovd told TV2 in 2012 when asked about Armstrong's doping. "I chose to trust him."

"He told me confidentially," Hushovd said at a press conference for his book release last week. "Then I don't find it natural to go to anti-doping authorities with what someone said. It's not my job. My job is to ride as fast as possible. Others will take off and find out who doped."

Hushovd wrote in Thor and also said in the press conference that the Armstrong investigation and subsequent inquires were "witch hunts for old sinners." He said that the money could be better spent to improve current anti-doping tests.

"It is the kind of thing you'd expect to hear from someone who sat still and let the deception continue," Tygart explained. "Those who heard these things, however, should have said so.

"Sport will only be cleared up if those who have cheated in the past are held accountable for what they did. If you cheated before without getting caught, the chances are very good that you'll continue later. It gives little hope for all of us who love the sport."

Tygart relied on 11 team-mates in his case against Armstrong: Frankie Andreu, Michael Barry, Tom Danielson, Tyler Hamilton, George Hincapie, Floyd Landis, Levi Leipheimer, Stephen Swart, Christian Vande Velde, Jonathan Vaughters and David Zabriskie. He said that he might have missed a "great opportunity" with Hushovd.

"Doping Norway and USADA would very much like to hear from him why he did not do anything," added Tygart, "but instead sat quietly and let the lie and deception continue."

Lance Armstrong

Thor Hushovd: Lance Armstrong admitted in 2011 that he doped

Thor Hushovd claims in his new Autobiography that Lance Armstrong admitted to him in 2011 that he doped

Lance Armstrong

Lance Armstrong 'would have continued lying', had he not been caught

"My therapy is riding my bike, playing golf and having a beer" says a still largely unrepentant Lance Armstrong

Lance Armstrong

Should Lance Armstrong's seven Tour de France 'wins' be reinstated?

Opinion is split between the 25 surviving Tour de France champions on whether Lance Armstrong was winner of the Tour


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I’ve been doing too much, or trying to do too much. Contrary, Hunger Mountain, Catching Days, writing group, writing, family, life, read… Wait a minute. I haven’t been reading all that much. I used to read every evening–from after supper until sleep. And on the weekends.

Recently, though, to keep up with everything, I’ve given my evenings over to emails and editing, with a slim 15 or 30 minutes before I conk out for reading. And my weekends over to writing.

Note to self-this has got to stop.

I wanted to write because I loved to read. The books I want to read are piling up at a stressful rate. I’m not happy with this state of affairs, now readily apparent by the lone books filling the months of March and February on my reading list.

It makes me sad that I must remind myself to find time to read.

How is your reading life? When do you read?


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Courtesy of Netflix

Netflix’s ‘Killer Inside: The Mind of Aaron Hernandez’ is a mixed bag

'Killer Inside' throws pain, drug use, sexuality, an explosive temper, and family problems up against a wall to see what sticks.

Eddie Strait

Published Jan 15, 2020   Updated May 19, 2021, 5:49 pm CDT

Netflix’s latest true crime offering, Killer Inside: The Mind of Aaron Hernandez, has a lot going on. It’s frustrating. The series presents a fairly comprehensive look at the fall of Aaron Hernandez, from star athlete to convicted murderer. You’re probably already familiar with the case. It’s one of the defining sports stories of the last decade. With the story being so fresh in the collective consciousness, the biggest issue facing Killer Inside is redundancy. Can it present a new angle or new information to a story that has already been through the investigative ringer? The answer is a frustrating no.

Killer Inside: The Mind of Aaron Hernandez

RELEASE DATE: Jan. 15, 2020

DIRECTOR: Geno McDermott

This documentary series looks at all of the factors that brought Aaron Hernandez from the Super Bowl to prison.

Anyone who followed the case will already know most of its broad strokes. In June 2013, Hernandez became a key player in the murder of Odin Lloyd. Hernandez, a star player for the New England Patriots, quickly went from a person of interest to the alleged triggerman. Within days the Patriots cut Hernandez, and the ex-Patriot had been charged with first-degree murder. As the case played out, more of Hernandez’s past came to light—almost all of it troubling. From Florida bar fights from his time in college to an unsolved double homicide in Boston, Hernandez’s history of violence was almost as prodigious as his football talent. Days after his acquittal of the Boston murders in April 2017, Hernandez hanged himself in his jail cell.

Over about three and a half hours, broken up into three episodes, Killer Inside rehashes all of that information. Sprinkled into the narrative of legal issues is Hernandez’s story outside of football. Featuring interviews with lifelong friends, teammates, and journalists, Killer Inside gives light to the other sides of Hernandez, with mixed results. Yahoo sportswriter Dan Wetzel (who also serves as executive producer) leads viewers through the timeline. He’s a good guide and makes it easy to follow along.

When the topic diverts from the crime narrative, however, Killer Inside runs into trouble. Most of the interviewees veer into speculation, saying things that can’t be verified. It can be salacious at times, unimportant at others. One aspect of Hernandez’s life that came to light post-arrest is his sexuality. Childhood friend and teammate Dennis SanSoucie talks about their time together on the field and how it progressed in private.

Furthering this theme is Hernandez’s former Patriots teammate Ryan O’Callaghan, who talks about how he dealt with being a gay man in a hyper-masculine sport. Combined with SanSoucie’s comments, this builds up Hernandez as a conflicted man, struggling to be himself. Without corroboration, these moments feel… insignificant? speculative? Between O’Callaghan, SanSoucie, and his father, there are moments where the topic at hand is forgotten in favor of broader messages about acceptance.

aaron hernandez killer inside netflix

With Hernandez never having admitted to his crimes, all we’re left with is speculation. One concrete issue director Geno McDermott raises is Hernandez’s brain damage from playing football. Analysis of Hernandez’s brain post-suicide revealed extreme trauma. Between outside commentators, like former player Chris Borland who retired after one season because he was worried about his long-term health, and old comments from Hernandez about how players’ pain is dealt with, Killer Inside reveals another possible factor for Hernandez’s behavior.

By all accounts Hernandez was in a state of paranoia leading up to Lloyd’s murder. With that, the mental and physical pain he dealt with from football, the drug use, his sexuality, his explosive temper, and his family problems, Killer Inside feels like a doc in search of something it can’t find. I’ve struggled to figure out why, but it feels like grasping at straws to me. We’ll never know Hernandez’s true motivations, but we know the final result. The quest for the unknowable gives Killer Inside its drive, but it proves frustrating. At times, it feels like armchair psychology.

The most insightful moments in Killer Inside come from the recordings of Hernandez’s prison phone calls. He knows the reality of his situation, often referencing that he’s facing the harshest penalties if found guilty. He makes half-hearted claims of innocence that feel like they’re for the benefit of anyone listening in. But when he jokes with his agent, “can you get me a Smith and Wesson deal,” it’s the single most revealing moment of the whole series.

Your familiarity with Hernandez’s case will dictate how much you enjoy Killer Inside. Anyone unfamiliar with the case will get a good overview. Those who already know about the case from the news, the stories, or the 2018 podcast series by the Boston Globe Spotlight team, can safely skip Killer Inside.

Still not sure what to watch on Netflix? Here are our guides for the absolute best movies on Netflix, must-see Netflix original series and movies, and the comedy specials guaranteed to make you laugh.

Looking for something more specific? Here are our Netflix guides for the best war movies, documentaries, anime, indie flicks, true crime, food shows, rom-coms, LGBT movies, alien movies, gangster movies, Westerns, film noir, and movies based on true stories streaming right now. There are also sad movies guaranteed to make you cry, weird movies to melt your brain, old movies when you need something classic, and standup specials when you really need to laugh. Or check out Flixable, a search engine for Netflix.

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*First Published: Jan 15, 2020, 7:00 am CST


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EUR/USD Technical Analysis: Three-Month Uptrend Broken

EUR/USD Technical Analysis: Three-Month Uptrend Broken

Ilya Spivak, Head Strategist, APAC

To receive Ilya's analysis directly via email, please SIGN UP HERE

Talking Points:

  • EUR/USD Technical Strategy: Pending short at 1.1921
  • Euro breaks three-month uptrend, hinting a major reversal is in the works
  • Corrective bounce sought to offer improved risk/reward for short position

The Euro turned lower after finding resistance below the 1.21 figure against the US Dollar as expected, breaking trend line support guiding it higher since mid-June. Building negative RSI divergence ahead of the downturn bolsters the case for follow-through, suggesting a significant reversal may be in progress.

From here, a daily close below the 1.1824-63 area (former resistance, 23.6% Fibonacci expansion) opens the door for a challenge of the 38.2% level at 1.1721. Alternatively, a turn back above 1.1950 (trend line, 14.6% Fib) paves the way for another challenge of double top resistance at 1.2070.

Prices are sitting squarely at support, hinting that entering short at current levels is unattractive from a risk/reward perspective. With that in mind, an entry order to sell the pair has been established at 1.1921. If activated, the trade will initially target 1.1863 and carry a stop-loss activated on a daily close above 1.1977.

What do retail traders’ buy/sell decisions hint about on-coming EUR/USD price moves? Find out here!

EUR/USD Technical Analysis: Three-Month Uptrend Broken

DailyFX provides forex news and technical analysis on the trends that influence the global currency markets.


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How to Flip Domain Names Online 2021

0 541

This is a comprehensive guide on Domain Flipping. If you are considering doing online business and don’t know which of the online business to engage in or maybe you have heard about Domain Flipping and don’t know how to go about it, then you are on the right page.

Domain flipping is a kind of online business that you can engage in to make money or earn a living online. So many people do this on a part-time and full-time basis or even pick a career from doing this kind of business.

According to a top business journal in the UK, Domain Flipping is among the top 10 online businesses in the world and about 3000 people have taken Domain Flipping as a full-time business, earning their daily income from it.

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Hearing about Domain Flipping for the first time and don’t really know what it means, let’s quickly explain some terminologies for better understanding.

How to Start a Fashion Blog in 2020

What is Domain Name

A Domain Name is a name given to a website. The Domain name can fall under so many extensions such as .com, .org, .net,, .outlook and so many other ones.

A domain name can be gotten from a different online merchant that sells them among them are,, and so many other good ones that you can find online.

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The Domain name comes for a fee that is renewable yearly and the fee for renewal depends on the package you want to go for, they are normally yearly, quarterly some domain name can run for years it all depends on the package that suits you.

Domain Flipping

Domain Flipping as the name signifies is the process of buying a domain and reselling it for profit, it can be likened to those that do deals in stock buying, they keep it and when it appreciates they sell at a higher price.

When choosing your Domain name always make sure you go for a domain that appears on the search engine, you can narrow your domain search to a niche. Look for the most search word on each niche and you tailor your domain name to that.

How to Buy a Domain Name

  • After you have done your keyword search and decide on the niche you want to focus on
  • Write out three proposed domain name you wish to use
  • Head to, or you can use any of the listed sites)
  • Log in to any of them and sign up
  • After sign up, you will be given your own log in details to access your account.
  • Once you have logged in input your proposed domain name in the search bar to see if the domain name is still available
  • If the domain name is available you will be directed to where you will make payment with your card.
  • Once you fill in your card details and make the payment, you know have the sole access to use that domain name for the number of years subscribe for.

 How to Flip Your Domain

Domain Flipping can be done in the following ways.

  • You can do a direct sale for your domain on your website by placing a sign on your website that your domain is for sale and give your contact details.
  • You can also list your domain on the following site and they will help you sell for a commission.

 Site Where You Can Place Domain for Sell

 Once you go to any of these site registers with them for free and list your domain, once they are able to sell it, they get commission and remit back to you.

We hope you find this informative and you can now go ahead and do something on Domain Flipping.

Kindly help share with your social media networks and if you have any suggestions drop your comments below.

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A SERIAL thief who targeted pensioners and vulnerable people in their own homes faces a lengthy prison sentence.

Tammy Kerr, 21, screamed and was carried struggling to the cells by three guards on Monday as a sheriff described her actions as “wicked”.

Kerr, a heroin addict, called at sheltered housing complexes pretending to be pregnant and needing the toilet before stealing from her victims.

One elderly woman suffering from Alzeimer's disease was so traumatised that her health deteriorated and she died soon after her home was ransacked.

Another victim with learning difficulties was walked home by Kerr who then stole her handbag and purse, Kilmarnock Sheriff Court heard.

Robert Bloomer, prosecuting, described one incident when Kerr knocked at the door of a Kilmarnock couple in their early 80s.

“The accused indicated she was homeless and pregnant and wanted to use the toilet,” Mr Bloomer said.

“She was allowed in but went into the living room then walked around the property and looked at jewellery.”

When challenged, Kerr bizarrely threatened to call the police before fleeing with a purse containing £65.

Kerr, of Newmilns, admitted four charges of stealing valuables from homes in Kilmarnock in a three-day period in September 2009.

Her oldest victim was 86.

Remanding her in custody, Sheriff Alistair Watson told Kerr: “Many people in modern day Scotland are subject to drug addiction. Most do not resort to preying on elderly and vulnerable people in their own homes, the place they would expect to be at their safest.”

Reading from a victim impact statement, Sheriff Watson noted the health of one victim's wife “went rapidly downhill, she lost all confidence and died shortly after”.

He said: “You can cry in the dock, but you must take responsibility for these wicked actions.”

Sentence was deferred until next month for background reports.

Kerr shouted: “I know what I done was wrong” and “I love you dad” to her father as she was carried down.


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FORMER Motherwell manager Jim Gannon is to leave Peterborough at the end of the season - only four months after taking over at London Road.

Gannon, who lasted just six months in the Well hotseat before being dismissed after failing to commit himself to the club, became Peterborough's third boss this season in February following the sacking of Mark Cooper.

He had been offered a long-term deal to stay with the Coca Cola Championship club.

However, the 41-year-old dropped a strong hint following last night's 4-0 defeat at fellow strugglers Scunthorpe that he would not be taking up the offer due to family reasons and that has been confirmed this morning.

In a statement on the club's official website Gannon said: "Having given the matter considerable thought I have decided not to accept the football club's offer of a contract to be the manager for the coming seasons.

"I have enjoyed myself immensely over the last few months and I would like to thanks the chairman Darragh MacAnthony and Barry Fry for the privilege of working in the Championship with Posh.

"I am not driven buy personal or financial gain or a mechanical professional drive. I have become a devoted family man over the last few years and the separation from my family over the last season has created a big void in my personal happiness and contentment.

"Given that my partner is now pregnant and expecting our second baby in July, the need for their stability, security and happiness becomes increasingly important to me."

Gannon added: "I still have an important job to do for the remainder of the season in showing that the players and the club are much more capable than what has been previously shown, and that we are determined to use this period to prepare successfully for the new season.

"There is valuable work to be done over the coming months to ensure the successful return to the Championship.

"I would like to thank the fans for the wonderful support I have received during my time here and I hope I can give them plenty to look forward to for the future."


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Did you hear the news? No, not that The Last of Us is being made into a HBO series. And no sorry, Sony hasn't revealed the PS5 price and release date yet.

We're talking about the announcement with the release date for Ghost of Tsushima.

Sucker Punch's samurai adventure is coming to PS4 on June 26 meaning the launch is now just a few months away.

Fantastic news considering most PlayStation fans likely suspected a released closer to the end of the year.

For those who might have been living under a rock for the past few years, here's a quick recap for the game:

"Jin Sakai must set aside his samurai traditions and forge a new path, the path of the Ghost, and wage an unconventional war for the freedom of Tsushima. In the late 13th century, the Mongol empire has laid waste to entire nations along their campaign to conquer the East. Tsushima Island is all that stands between mainland Japan and a massive Mongol invasion fleet led by the ruthless and cunning general, Khotun Khan. As the island burns in the wake of the first wave of the Mongol assault, samurai warrior Jin Sakai stands as one of the last surviving members of his clan. He is resolved do whatever it takes, at any cost, to protect his people and reclaim his home. He must set aside the traditions that have shaped him as a warrior to forge a new path, the path of the Ghost, and wage an unconventional war for the freedom of Tsushima."

Video Loading

Earlier today, the developers and Sony announced a brand-new trailer (above), but better still, there was also the news of several editions up for pre-order.

There's about four, with a variety of rewards depending on which edition you go for.

However, it's the Collectors Edition that will be most highly sought after and it will set you back an eyewatering £159.99.

And if you live in the UK, there's only one place to buy it. It's not for sale on Amazon and you won't pick it up in your local Tesco.

The only place to buy the Ghost of Tsushima Collector's Edition is at GAME.

For those wondering what you get, have a look at the image below.

And if you want it written down in black and white, here's a list.

The Ghost of Tsushima Collector's Edition includes the following content:

  • Game
  • Sakai Mask with Stand
  • Cloth Map
  • Sashimono (War Banner)
  • Furoshiki (Wrapping Cloth)
  • SteelBook Case • 48-page Mini Art Book by Dark Horse
  • 1 Technique Point*
  • Charm of Hachiman’s Favor*
  • Hero of Tsushima Skin Set*: Golden Mask, Body Armor, Sword Kit, Horse, Saddle
  • Director’s Commentary*: The creative team sits down with a renowned Japanese historian to look at the world of Ghost of Tsushima and how it compares to the real-life events that inspired it
  • Ghost of Tsushima Samurai Theme
  • *in-game items unlocked via story progression

    Pre-order to receive the following digital content:

  • Ghost of Tsushima Digital Mini Soundtrack
  • Ghost of Tsushima Jin Dynamic Theme
  • Ghost of Tsushima Jin Avatar
  • More to follow.


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Love Struck Lips: For the Bridesmaid

The best bridesmaid gift !
A Festive gloss for bachelorette weekend, a long lasting neutral lip color that goes with most every bridesmaid and every bridesmaid dress and a neutral lip gloss for the rehearsal.

Can be worn separately or together for mix and match fun!
Great party favor for any wedding occasion!

All 3 colors are included in this pack

The Perfect Toast
Champagne Gloss to shine during the toast to the bride.

Catch the Bouquet
Long-lasting opaque matte that compliments any bridesmaid dress… and maybe a good luck charm to be the next wed!

Bachelorette Bash
Flirtatious high gloss neutral lacquer with shimmery gold to liven up the party!

Additional information

all three colors, the perfect toast, catch the bouquet, bachelorette bash


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Other Treatments

Bio – detox: This amazing treatment helps to detoxify your body, which helps to improve your wellbeing. The therapy involves placing your feet into a special detox foot spa, stimulating almost 2000 pores on the soles of your feet. This helps to balance the electromagnetic forces within the body. Feet are gently massaged at the end of the treatment.

Cost £30            Treatment 60 mins

Hopi Ear Candling: A safe, relaxing and warming treatment of the ears, nose and throat. The candles used are original "Biosun," which are certified according to the European Medical Device Directive. They  consist of bees wax and various herbs, which encourage a soothing treatment. The candles draw out blockages and secretions from the ears stimulating the immune system. A face massage brings the treatment to a close leaving you feeling and looking relaxed.

Cost £34           Treatment 50 mins

Vitamin, Mineral and Bach Flower Assessment: Healthy levels of vitamins/minerals are essential for the body to function properly. We’re encouraged by advertisers to buy these, but how do we know, which of them are the right ones for us?  The assessment we offer will help to identify those that you do need as well as determining the appropriate daily dosage. Bach flower remedies help promote emotional balance and encourages the body to heal itself. You’ll be tested with 150+ vitamins/ minerals including 30+ Bach Flower Remedies. Let your body do the talking and tell you what it needs!!

Cost £20          Treatment 30mins


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man with backpack walking through door

Whether you need life insurance depends partly on your stage of life. If you’re younger, you may have less need for coverage. As you move along the path in life, you’ll likely have more of a need. And, as your responsibilities lessen, your need may decrease.

Here’s a look at how your phase of life affects your life insurance needs.

Young and Single
As a young adult, you likely don’t depend on others for financial support. In most cases, your death wouldn’t create a financial hardship for others, making life insurance a low priority.

You could argue that you should buy now! The cost of life insurance factors in several things, including your health. At this point in your life, rates will probably be low. Now, while this may be a valid argument if you’re at higher risk for medical conditions (e.g., diabetes) later in life, for now, you may want to consider investing the money you’d spend on premiums.

Some exceptions to this include:

  • You have a mortgage or other loans with a cosigner. Your death would leave them entirely responsible for the debt, so you may want insurance to cover this.
  • You have a child or you’re supporting your parent/grandparent. As they depend on you, life insurance could provide support for them if you were to die.

Married . . . with Children (Or Without)
Married couples without children have little need for life insurance, especially if you both contribute equally to the household and don’t have a mortgage.

Once you buy a home, though, it’s a different story. Even if you both have well-paying jobs, the mortgage debt may be more than one person can handle on a single salary. And other debts, such as credit cards, can add to financial worries. In this situation, both of you should consider buying a modest amount of life insurance to provide financial support.

If you start a family, your life insurance needs are at their peak. In most cases, it’s appropriate for both parents to have life insurance.

If your family has a single income, it is completely dependent on that salary for financial security. In this case, both parents should carry enough life insurance to cover lost income or the economic value of lost services—like having to pay for childcare if the stay-at-home parent dies.

Dual-income families need life insurance, too, because it’s likely the surviving spouse will suffer financial hardship keeping up with household expenses and childcare costs.

Separation Anxiety
If you get a divorce, you’ll need to decide what to do about your life insurance, both from a beneficiary and coverage perspective. Add in dependents and it becomes more complex.

Keep it simple. If you don’t have children, it may be as simple as changing your beneficiary and adjusting your coverage.

Work it out. If you have children, the custodial and noncustodial parents will need to work out the details of your life insurance. You’ll want to make sure your children—and not your ex-spouse—are provided for in the event of your death. This may mean purchasing a new policy or changing the beneficiary to your children. If you and your ex-spouse can’t agree, the court will decide for you.

Climbing the “Corporate” Ladder
So, how do career changes affect your life insurance needs? It’s important to review your coverage whenever you leave your employer or start your own business.

When you leave your job, any employer-sponsored group life insurance coverage typically ends. Find out if you’ll be eligible for group coverage with your new employer or look into purchasing coverage yourself. You may also be able to convert your group coverage to an individual policy; it may be more expensive, but it’s a good choice if you have a preexisting medical condition that may prevent you from buying life insurance coverage elsewhere.

You should review your coverage amount, too. Your policy may no longer be adequate, especially if you’ve incurred more debt and expenses. If you own a business, consider your business debt. If your business isn’t incorporated, your family could be responsible for those bills if you die.

The Golden Years
Ah . . . retirement! Once you hit these golden years, your life insurance needs may change again. If fewer people depend on you financially, your debts have been paid, and you have substantial financial assets, you may need less coverage than before. But it’s possible that your life insurance needs will remain the same. The proceeds from your life insurance can be used to pay for your final expenses or to replace any lost income for your spouse (e.g., social security or a pension). Proceeds can even be used to pay estate taxes or as a charitable donation.

No matter what phase of life you’re in, it’s a good time to review your options and decide whether you need coverage and, if so, how much. If you’d like to discuss options, please reach out to me or my office.


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Browns Reportedly Hire Andy Moeller as Offensive Line Coach

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The Browns have hired former Ravens offensive line coach Andy Moeller, according to a report.

Kirby Lee-USA TODAY Sports

According to Aaron Wilson of Ravens Insider early this morning, the Cleveland Browns have hired Andy Moeller as their new offensive line coach, replacing the combination of George Warhop and Mike Sullivan.

Moeller was the assistant offensive line coach for the Ravens from 2008-2010, before being promoted to the role of offensive line coach from 2011-2013. With all of the offensive coaching changes in Baltimore, Moeller's status became uncertain, and it appears the Browns are the benefactors.Moeller helped implement some zone blocking schemes in Baltimore, and with reports of Kyle Shanahan becoming the team's new offensive coordinator, that had to be an attractive note on his resume.


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Complete List of the Cleveland Browns' Coaching Staff

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A comprehensive list of all of the Browns' coaches under head coach Mike Pettine.

The Cleveland Browns have officially announced most of their coaching staff, but some of the names may have gotten lost in the mix. Here is list of all of the coaches on offense, defense, special teams, and conditioning, along with our links to posts about each of them and a quick snapshot of which teams our coaches were part of last season.

Head Coach: Mike Pettine (Buffalo)

Offensive Coordinator: Kyle Shanahan (Washington)
Quarterbacks: Dowell Loggains (Tennessee)
Running Backs: Wilbert Montgomery (Baltimore)
Wide Receivers: Mike McDaniel (Washington)
Tight Ends: Brian Angelichio (Tampa Bay)
Offensive Line: Andy Moeller (Baltimore)
Assistant Offensive Line: George DeLeone (U. of Connecticut)
Offensive Quality Control: Richard Hightower (Washington)

Defensive Coordinator: Jim O'Neil (Buffalo)
Defensive Line: Anthony Weaver (Buffalo)
Linebackers: Chuck Driesbach (Buffalo)
Assistant Linebackers: Brian Fleury (Buffalo)
Secondary: Jeff Hafley (Tampa Bay)
Assistant Defensive Backs: Bobby Babich (Cleveland)
Defensive Quality Control: Tony Tuioti (U. of Hawaii)

Special Teams

Special Teams: Chris Tabor (Cleveland)
Special Teams Assistant: Shawn Mennenga (Cleveland)

Strength and Conditioning

Strength and Conditioning: Paul Ricci (NYJ)
Assistant Strength and Conditioning: Chris DiSanto (Cleveland)
Assistant Strength and Conditioning: Derik Keyes (Cleveland)

When asked last Thursday if there would be any additional hires, Pettine said that the staff was pretty much complete, but that there might be another hire or two:

There are two hires that have been reported by sources, but not officially announced by the team. Those include Jimmy Raye (Tampa Bay) as senior offensive assistant, and Rusty McKinney (Bentley University) in a role to be determined. The only position from last year that hasn't really been filled is the one that Steve Gara held, which was, "Offensive Assistant/Special Assistant to the Head Coach." The Browns might just go without one of those this year, or it could be the type of role that Raye ends up filling if he is indeed brought aboard.


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Posts tagged as «Business on the Internet»

4 Expanding opportunities for the client: client software information it needs – one of the key factors of successful business. Thanks to Internet technology support for clients can be more effective and responsive. See more detailed opinions by reading what Raymond James offers on the topic.. Your website must not only contain standard set of information about the company, products or services, but also to ensure effective collaboration between departments of your company, customer and supplier. This in turn will increase the satisfaction consumers, which in turn will increase the profitability of your business. 5 Availability of information: Just a few years ago, the company needed at least a few days in order to bring to customers information about new products or change specifications. Today, thanks to the Internet, you can convey this information in a few hours of its posting on the website. 6 Cost minimization: New Technologies allows a complete transaction process, including: commercial request, offer, procurement, order and invoicing. Simplification of business processes enables companies to significantly reduce costs.

For example: the process transaction via the Internet reduces the cost of procurement of supplies by 5-10%, storage costs by 25 – 50%, and administrative costs of procurement, even up to 70%. 7 Ability to work 24 hours a day: The biggest advantage online-business lies in the fact that it is available 24 hours a day from anywhere in the world for you and for your customers and sales are just around the clock. The actual location of your company has no special values as monitoring the implementation and conduct of transactions carried out through the Internet. 8 Minimum initial investment: To create a Web site does not need a large financial investment. You can found on the Internet a variety of free or inexpensive programs that can help you create a website from scratch. Many business portals provide services for its members to create sites from templates and it is quite inexpensive.

9 Possibility of Globalization: With the Internet you can go global business with minimal investments. There are literally hundreds of vertical and horizontal electronic trading platforms available on the network. These sites allow you for a nominal fee to get access to a large audience of potential customers from all over the world. If your company does not sell via the Internet, then you need to take steps to organize this, to: open a new sales channel to increase competitiveness, expand the market, reduce costs and increase profitability.


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Home > Who We Are > Lisa Kitson

Lisa Kitson

LLB (Hons) Edinburgh; Solicitor (Scotland) 2008

t: 0131 290 2812
Add Lisa to your address book

I am a Director in the Davidson Chalmers Stewart Corporate Department.

My role involves advising our clients on a wide range of corporate and commercial matters including commercial contracts, joint venture and shareholder agreements, partnership agreements, intellectual property rights and business acquisitions and sales.

I also have specialist knowledge of the Health Sector. I regularly advise medical partnerships, dental practitioners, pharmacies and veterinary practices in relation to partnership and shareholders’ agreements, incorporation, the sale and acquisition of their businesses as well as resolving disputes.

I also enjoy helping charities with their constitutions and guiding them through their applications for charitable status, and thereafter assisting them with ongoing legal, contractual and regulatory matters.

Outside the office, I enjoy spending time with my young family and am a keen outdoor swimmer.

Experience in the Following Sectors:

Healthcare - GP Practices

Davidson Chalmers Stewart is the market leader in Scotland within the GP / Medical Partnerships sector and has unrivalled expertise in working with GP practices of all sizes and structures.

More information
SMEs & Family Owned Businesses

Davidson Chalmers Stewart has been closely involved with young growing companies and their investors for many years. Indeed the majority of our client base is and always has been drawn from the SME family-owned or owner-managed business sector across Scotland.

More information
Charities & Not-for-profit

The Davidson Chalmers Stewart Charities Team acts for charities and other social enterprises both locally and nationally. We realise the need of such organisations for sound commercial advice. Our team of solicitors is drawn from across the firm and provide significant experience and expertise.

More information
Professional Services

Our expert team of lawyers regularly advise professional service businesses on internal reorganisations, mergers and acquisitions, covering all commercial, due diligence and employment support issues.

More information
Healthcare - Dental Practices

The Davidson Chalmers Stewart team is experienced in providing specialist legal advice for dentists in all aspects of acquiring, managing and selling practices. We advise on a wide range of issues including partnership, commercial property and employment and HR matters.

More information

Let's Talk

A typical law firm? Not really. But a partner for the people and businesses we work with? Absolutely.

Our determination to do things a better way is nothing without our clients. So if you like what you see and think we’d make a good team, let’s talk. Pick up the phone and call us direct or make specific enquiries to our individual email addresses across the website. Alternatively use the form to submit general questions and comments.

Either way, we’ll get the message.

t0131 625 9191

t0141 428 3258

t01896 550991


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Multi Vitamin Cream + 2 FREE Mud Facial Mask & Body Butter

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Disponibilité:En stock

$105.85 $89.90

Buy Hyaluron Multi Vitamin - Moisturizing Cream and get it 2 FREE: Purifying Mud Masque & Rich Intensive Body Butter.

1. Hyaluron Multi Vitamin - Moisturizing Cream, 50 ml

This powerful Multi Vitamin Moisturizing Cream is infused with a unique vitamin blend (A, B, C, E) that is essential for skin cell regeneration, flexibility and revitalization, and hyaluronic acid, which provides intensive skin hydration, making your skin appear more radiant. Argan oil soothes the skin and leaves it looking refreshed. Aloe vera extract soothes damaged skin and prepares it to absorb additional active moisturizers. These quality ingredients are now available in a super moisturizing cream, rich in natural minerals from the Dead Sea that are renowned for their ability to revitalize the appearance of dull, tired looking skin.

For all skin types.

How to use:
Apply to face and neck, and lightly massage until completely absorbed.

2. FREE: Purifying Mud Masque - For Normal to Dry Skin, 175 ml

Purifying Mud Masque with Dead Sea mud and minerals purifies and balances the skin, imparting it with a pleasant texture. It acts deeply to root out grime, clear blackheads and prevent the formation of blemishes.

Enriched with hyaluronic acid, the masque nourishes the skin, giving it a vital glow. Tension lines are reduced thanks to more supple skin. Cleansing effects are intensified even further as the drying mud traps dead skin cells, which are then eliminated completely.

  • For Normal to Dry Skin;
  • Enriched with Dead Sea Minerals & Hyaluronic Acid.

How to use:

Apply evenly to the face, avoiding the eye area, 2-3 times a week, and rinse thoroughly after 2 minutes. Follow with facial cleanser and moisturizing cream from the Hyaluron Series.

3. FREE! Rich Intensive Body Butter, 250 ml

A Creamy velvet Shea Butter rich with Dead Sea minerals, a special formula for moisturizing and nourishing the skin. Perfect for softening rough, dry
areas such as knees, heels and elbows. Leaving your skin with a gentle fresh
fragrance all day long.

How to use:

Apply to the skin and massage gently until completely absorbed. Appropriate for daily use after shower.

Pure Mineral

Free UPS shipping available, usually dispatched within 24 hours. More Info »

What if I don't like it?

We offer a full refund for any product.
You may return or exchange the item within 14 days after arrival, for more info please see our returns policy.


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Contact to Order

Nike ZoomX Vaporfly NEXT% White / Flash Crimson

Regular price $330.00 CAD
Thank you for submitting your message. We will get back to you as soon as we can.

Nike ZoomX Vaporfly NEXT% White / Flash Crimson

Elaborating on the revolutionary Vaporfly 4% and its journey to breaking the 2-hour marathon, this Nike ZoomX Vaporfly NEXT% generates further comfort, speed and style. The Nike ZoomX Vaporfly NEXT% features an ultra-thin translucent VaporWeave upper, for a lightweight and supportive fit. The speedy runner sits on a ZoomX midsole with added foam and a full-length carbon fibre plate, combining to provide a soft and propulsive feel. Wrapping from the toe to medial side of the Nike ZoomX Vaporfly NEXT%, the largest Swoosh on any Nike Running silhouette is designed to be captured from all angles in a photo-finish. Meanwhile, a rubberized outsole completes the design with traction — ensuring the Nike ZoomX Vaporfly NEXT% runs smoothly.

  • Premium VaporWeave upper
  • Microsuede detailing
  • Enlarged Swoosh
  • Carbon fibre propulsion plate
  • ZoomX cushioning / rubberized outsole
  • White / Flash Crimson

Product Code: AO4568-102


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How are We Different?

May 13, 2019

How are We Different?

Welcome to the swimwear revolution. We do swimwear differently and our swimpieces are transformational – in how they look, in how they feel and in how they are made.

So how are we different?

We share ten ways that our swimwear is unique.

1. Designed for women by women

Every piece in our collection is designed by D&B Founder Rosie who first set the business up after struggling to find a swimsuit for her weekly swim. For every single piece we think about fit, cut, shape and support – from the height of the leg to the shape of the neckline, and the feel of the fabric to the way the colour sits on different skin tones. At every design decision we ask ourselves “is that what we would want?” and when we’re ready to prototype we try every piece on women of different sizes to check the way each swimsuit or bikini fits on different bodies. All in all it’s a design process entirely focused on our customers.

2. Shop by bust size

Bust size very different to your hips? No problem. Every piece in our collection is shop-able by three curve sizes to allow you to pick the piece that best suits your body shape – whether you’re more athletic or super curvy. Our three curves – the Hepburn (AA-B cup), the Monroe (C-E cup) and the Hendricks (F-HH cup) mean that you’ve got enough support, shape and coverage, whatever your shape or size.

3. Highly sculpting fabric

Who doesn’t want to be sculpted? Every piece in our range uses a high-elastane content Lycra® that offers a sculpting, spanx-like fit without any of the discomfort. Our fabric offers built in tummy control and flattering hug-factor, helping to sculpt your silhouette and show off all your best bits.

4. Made from ocean waste

All our swimwear is made from a regenerated yarn called ECONYL® which is made from post-consumer waste such as old fishing nets and industrial plastic scraps. So instead of using virgin nylon and contributing yet more to landfill, we help turn trash into treasure and re-use and re-purpose waste nylon. Great for the planet but it also makes our swimwear super-durable and super-resistant. Win win.

5. Made in London

Ever wonder #whomademyclothes? No longer. Every piece in our collection is made in our small production studio in London where we know our seamstresses by name, and where our swimwear is made whilst sipping good Italian coffee and listening to Fleetwood Mac – what’s not to love?

6. #NoRetouch

We have committed to never retouching our images and photography – no teeth whitening, no cellulite removal, no reshaping entire body parts or adding in abs or muscle tone. So what you see in the image is exactly how our pieces fit on our models – every wrinkle, crease and bruise. Because we believe that all bodies are beautiful and we’d never want to alter them.

7. A body positive brand

Being body positive and celebrating brilliant healthy bodies at every shape and size is an important part of our DNA. We photograph every product on three different models with different shapes and sizes to help you see what a product might look like on your body. We also regularly share pictures of our customers in their swimwear on our social media pages (@deakinandblue) because we love how bloody great they look in their cossies and bikinis. The fashion industry and Love Island might like us to think that women's bodies look a certain way but we vehemently disagree and we’re on a mission to debunk the mad myth that bodies have to look a certain shape, size or colour to be beach ready.

8. Hyper-resistant to chlorine + UV rays

That regenerated yarn we mentioned? Not only is it great for the planet but it has additional properties that makes it even better than standard Lycra. All our swimwear is twice as resistant to chlorine and salt water as standard lycra (ever had a cossie go so thin it became see through? Not ours.) Our pieces also offer comprehensive UV50+ protection so you can be confident of full sun protection in your swimwear.

9. Made to last - colour-fast & highly durable

Hyper-resistant and hyper-durable, every Deakin and Blue swimpiece is made to last. We’re an investment piece, we know, so we don’t expect your cossie to only last a season. Our timeless designs are intended to be worn summer after summer, swim after swim. Our fabrics retain their colour (whatever sort of water you swim in), are designed to be machine-washed regularly and are built to last – so you can be confident that your new favourite swimsuit will be around for a long time.

10. Mix & match - by colour, style & size

Different size bottom to top? Or perhaps you like to shake up your colourways? No problem. All our bikinis are designed to be mixed and matched – so you can pick the perfect size top separately from the perfect bottoms and pair up different designs and colours to suit your personal style.

Want to see more? Shop our new collection now.

Also in Swimspiration

Body Stories: Emma
Body Stories: Emma

September 17, 2021

Body Stories: Laura
Body Stories: Laura

September 09, 2021

Just Keep Swimming: How to Swim Year-Round
Just Keep Swimming: How to Swim Year-Round

September 05, 2021


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Arm, Hand & Finger Supports
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B-Driven Sports Arm Protectors for Thin Skin and bruising - Our 20-30mmHg Graduated Compression Provide sooting Blood optimization - 4 Colors

SKU: B076B4VMNR (Updated 2021-09-20)
Price: US$ 34.99

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Features & details

Please Measure Before Ordering: Medical grade compression sizing can vary greatly from brand to brand. Please measure prior to ordering using our sizing chart at he bottom of page. Size up if you have any questions.
Enhanced Graduated Compression: Our EGC sleeve provides 20-30mm GH medical grade compression performance. Made with 73% Nylon and 27% Lycra, this EGC sleeve provides impeccable support for a wide variety of health ailments. The EGC sleeve will assist in blood circulation, muscle pain, tennis or golf elbow, and overall elbow, forearm, tricep, bicep recovery.
Improves Blood Circulation: Promoting healthy blood circulation and improving oxygenation to your muscles improves your body and health! Simply using this sleeve can reduce swelling, pain, and remove toxins and lactic acid build ups in your muscles.
Supports Muscles & Joints: Graduated Support aids in reducing tissue damage caused from muscle vibration during activity and can help prevent tendonitis. This support leads to a reduction in pain, swelling, inflammation, and provides the necessary support from those suffering from Tennis and Golfer’s Elbow. Graduated support can also increase recovery time by helping the healing process. By improving the circulation and oxygenation of your muscles, your body can recover at a faster pace!
100% Risk Free Guarantee: We understand our customers and go the full length to ensure everyone of them is entirely satisfied with their products. Whether it’s a size exchange, a warranty claim, or simply a return, contact us and we’ll make it right for you!

Manufacturer: Driven Matrix LLC

Brand: B-Driven Sports
We hope you love the products we recommend! All of products are independently selected by deal-dx editors. Just to let you know, deal-dx may collect a share of sales or other compensation from the links on this page if you decide to shop from them. Prices are accurate and items in stock as of time of publication.
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July 10, 2008, - 11:28 am

Schlussel Ranked One of Top Female Bloggers on Net

By Debbie Schlussel
I like to think of myself as a top opinion journalist, writer, and blogger, not just a top female opinoin journalist, writer, and blogger. Regardless, it’s an honor to report that this site, DebbieSchlussel.com is not only among–but toward the top–of the TOP 100 female-authored blogs on the Internet.
Enkay Blog–a site about making money online by blogging–compiled the list of the top 100 female bloggers, according to traffic, pageview, and link rankings. While this site is #14, there are a few above me on the list who do get less traffic than this site does. Enkay relies on Alexa, which has a weird formula that doesn’t always accurately rank (and undervalues) my actual traffic as recorded on SiteMeter.

As Maxwell Smart would say, “Missed it by that much.”
Michelle Malkin is the top female blogger, and our friend, the great Pamela Geller of Atlas Shrugs is lucky #7.
Thanks to Enkay for compiling the list. While it’s an honor to be #14, not good enough. But to paraphrase Avis rent-a-car, “We’re #14, We Try Harder.”
Also, don’t forget that this site is the 54th most popular political blog, according to Wikio, the site which ranks blogs throughout the Internet by their incoming links in the last 120 days. Again, not good enough (but I’ll take it . . . for now). I think I’d be ranked high for film blogs, too, but you can only be in one category.
Thanks, readers and fellow bloggers and columnists, for reading, linking to, and spreading the word about the content of this site.

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9 Responses

Congrats Debbie.
Keep pressing on the upward way–
crushing our enemies every day—
bringing truth and chutzpah to the global blog-o-sphere
exposing the things we ought to fear
Kudos to our leader, Debbie Schlussel!
Keep up the good fight–give ’em no rest
Site readers–keep spreading the word–
Debbie doesn’t back down–get more readers tuning in daily to DS.com.

BB on July 10, 2008 at 11:56 am

congratulations, yes alexa isn’t very good for traffic measurement and I’d put you higher on the list myself based on observation

sultan_knish on July 10, 2008 at 12:52 pm

Debbie my sweetie, you are #1 by a mile.

Jeff_W on July 10, 2008 at 1:31 pm

With your rockin’ body Debbie, you’ll be #1 before long…

tita2juju on July 10, 2008 at 5:17 pm

debbie need to get back calling into howard again so he can bury the rest

PNAMARBLE on July 10, 2008 at 7:04 pm

I don’t always agree with you, but congrats

mindy1 on July 10, 2008 at 9:59 pm

Dear Debbie;
Good for you on being no.14 on the Top One Hundred Female Blogger List.
Now you can never say, “Hey! What am I? Chopped liver?”
I mean being 14 isn’t as good as no. 1. But It sure beats the hell out of being no. 99.
Now when, and where are they going to hold the swim suit competition.

EJO on July 10, 2008 at 10:12 pm

Congratulations. I’m not surprised. Your perceptiveness is validated by events, and that will have a long-term impact of increasing your readership and influence. Yours is the first blog I turn to. Keep up the good work.

c f on July 10, 2008 at 11:35 pm

If they were judging the top 100 sexiest/funniest/smartest female bloggers, Deb would be #1 without a doubt. 14 isn’t bad though 🙂

cinerx on July 11, 2008 at 12:18 am

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Skins for Yeti Rambler 36 oz Bottles Subliminal Sandstorm

Add To Cart
Ships to you for as little as $5.30!
  • This is a skin to fit your existing Yeti Rambler
  • Our premium 3M® vinyl makes for an easy, bubble-free installation and goo-free skin removal
  • Features unique artwork by JThree Concepts
  • Read more about these skins...
  • Thin and tough - protects from minor scratches
  • Available in your choice of two distinct finishes

    Our shiny high gloss clear finish that rivals the reflection of automotive paint or glass. Our matte/satin finish has a smudge-proof, silky smooth feel that reduces glare & fingerprints. Check it out:

  • Made in the USA, backed by our promise to you

    Since 2003, we've taken great pride in the quality, fit and ease of installation of our skins. Having one of them on your device is the best advertisement we have. If you damage your skin during installation, let us know. We'll send you a new piece for free - you just cover the shipping charge.

  • Ships by the end of day on Wednesday, September 22!

DecalGirl has no relationship or affiliation with YETI. This product has not been reviewed, authorized or approved by YETI.

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DecalGirl is still operating in a reduced capacity during the COVID-19 pandemic. Administrative and creative staff members are telecommuting as much as possible, while production and shipping staff members are working in shifts and following appropriate social distancing and hygiene measures.

Normally, we ship orders within 1 business day - at the moment, we're anticipating 2-3 business days. As a small, family-owned manufacturing company, we really appreciate your support and understanding as we continue to pay our employees and cover their benefits in these uncertain times.

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J. Andrew

Full EP Stream: Existentia – “Calculating Failure”

September 16, 2021

It’s with a sense of brutal joy that we present the excellent new release from Philadelphia’s new death metal heroes in Existentia!

Track Premiere: Autokrator – “The Great Persecution”

September 16, 2021

Decibel presents the latest from France’s masters of terrifying blackened-death metal, a new lesson in historical cruelty.

Five For Friday: September 10, 2021

September 10, 2021

This week’s round of new releases includes high-profile entries from Metallica, Andrew W.K, Mastiff and more!

Full Album Stream: Black Mass – “Feast at the Forbidden Tree”

September 7, 2021

The latest album from Boston’s own thrash metal masters shows the band’s ability to sound both focused and spontaneous.

Five For Friday: September 3, 2021

September 3, 2021

The ultimate treat for your weekend: new releases and reissues from Iron Maiden, Internal Bleeding, Behemoth and more!

Full Album Stream: Nocturnal – “Serpent Death”

August 23, 2021

Germany’s Nocturnal returns with a album full of “Teutonic unholy thrash metal,” in all its raw, riff-powered glory.

Five For Friday: August 20, 2021

August 20, 2021

You probably have opinions about the bands selected for this week, including Deafheaven, Between the Buried and Me, and more!

Five For Friday: August 13, 2021

August 13, 2021

We get technical for this week’s roundup with new releases from Diskord, Fleshbore, Burial in the Sky and more!

Five For Friday: August 6, 2021

August 6, 2021

This week’s deadly dose of Decibel-approved metal includes the latest from Ashen, Crypt Crawler, Perilaxe Occlusion and more!

Video Premiere: Cognizance – “Aeon Sickness”

August 4, 2021

For the tech-death maniacs in the crowd, the UK’s Cognizance has all the riffs, sweeps, grooves and growls you could ask for!

Five For Friday: July 30, 2021

July 30, 2021

We’re keeping it raw and dirty this week with new releases from Tombstoner, Nuclear Revenge, Praise the Plague and more!

Full EP Stream: Bat Magic – “Feast Of Blood”

July 28, 2021

Bat Magic, the first entity from the Ordo Vampyr Orientis black metal circle has emerged with its debut release for all raw devotees.

Video Premiere: Ovtlier – “Bulletproof”

July 22, 2021

The new song and video from Ovtlier is here for those of you who miss the vibe of the late 90s and early 2000s.

Video Premiere: Praise The Plague – “Beyond”

July 16, 2021

Germany’s Praise the Plague is here with a new song and video filled with doom metal power and black metal gloom.

Five For Friday: July 9, 2021

July 9, 2021

We’ve got a loaded week for you as we catch up on the latest from Darkthrone, At the Gates, Mayhem and more!

Video Premiere: Graveslave – “Spectral Procession”

July 2, 2021

The midwest monsters in Graveslave are here with their new video for “Spectral Procession,” off their upcoming new album.

Drawn and Quartered: Q&A on “Congregation Pestilence” and Staying Hungry for Death Metal

June 25, 2021

Our full interview with the Seattle death metal veterans shows a band ready to confidently turn out classic death metal for years to come.

Video Premiere: Bloodphemy – “Bloodborne”

June 22, 2021

Check out the new video from Dutch death-dealers Bloodphemy: “Bloodborne,” from their new album, Blood Sacrifice.

Track Premiere: Krigsgrav – “The Sun No Longer Reaches Here”

June 21, 2021

According to Krigsgrav, “The Sun No Longer Reaches Here,” is “bleak, but that’s what this music is all about.”

Five For Friday: June 18, 2021

June 18, 2021

This week’s slate of new releases includes bangers from Blazon Rite, The Day of the Beast, Eye of Purgatory and more!

Video Premiere: Mastiff – “Endless”

June 10, 2021

In need of a good crushing? The new song and video from the blackened sludge-core devotees in Mastiff will get that out of your system.

Video Premiere: Wormwitch – “Abracadabra”

June 9, 2021

According to Wormwitch: “this song is about creating as you speak; manifesting reality as you traverse the challenges of life.”

Full Album Stream: Orphan Donor – “Unraveled”

June 8, 2021

According to Orphan Donor, the new album “is an authentic expression and account of some of the hardest and scariest times in my life.”

Five For Friday: June 4, 2021

June 4, 2021

We’re back with a roundup of new releases that includes the latest from Desaster, Perturbator, Ghastly and more!

Track Premiere: Drawn and Quartered – “Carnage Atrocity”

May 28, 2021

The band’s new song, “Carnage Atrocity,” is a “a neck-snapping orgy of violence that will sear itself upon the mind.”

Full Album Stream: Stormruler – “Under the Burning Eclipse”

May 27, 2021

For fans of fiery, energetic black metal in the tradition of Naglfar, Dawn and Setherial, Stormruler has the ultimate debut ready to strike!

Full Album Stream: Bleeth – “Harbinger”

May 25, 2021

Miami’s Bleeth is here to take you on a ride across the lands of experimental, sludge, and post-metal on their latest record.

Five For Friday: May 21, 2021

May 21, 2021

Hello, Decibel readers! Hope you have a relaxing weekend with lots of free time on your hands! Or at least one that allows for a soundtrack. We’ve got a roundup of great stuff below, from well-known legends to death-doom devastators to totally weird black metal. It’s a lot to take in, so enjoy! — Amorphis…

Full EP Stream: Morbid Breath – “In the Hand of the Reaper”

May 17, 2021

Morbid Breath seeks to “revive that malicious, heavy, and raw 80’s thrash-metal sound” on their new EP, In the Hand of the Reaper.”

Track Premiere: Gallows – “Come and See”

May 14, 2021

“We play traditional black metal — full stop. We wrote 66 Black Wings under the shroud of the pandemic, fueled by blasphemy and booze.”


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RecoDeck logo

Light grey WPC Decking Boards are a popular colour that has been introduced to many gardens for a timeless, neutral look.

Read full description

1000 in stock (can be backordered)

£24.37 (exc VAT)

Any questions? Contact us

Ash Grey Composite Decking is a modern alternative to traditional timber decking and, with its grooved finish, is indistinguishable from its timber counterparts. Light grey is a popular colour that has been introduced to many gardens for a timeless, neutral look. If you’re looking to add a touch of glamour to your outdoor space, then this is the finish for you.

WPC Composite Decking is manufactured from 55% natural wood fibre and 35% recycled polymers but unlike traditional wood decking, does not splinter, warp or fade over time.

Technical Specifications
Recycling and environmental considerations make Composite Decking an attractive proposition and a modern day alternative to traditional materials such as timber. Direct Decking supplies RecoDeck®
which is made from recycled hardwood and plastics. It is CE Certified and fully tested to ensure ISO 9001 compliance. RecoDeck® looks and feels like wood but out-performs wood in every way.

Wood Polymer Composite (WPC) Material Characteristics
Made from 55% natural wood, 35% Grade ‘A’ Recycled HDPE (Plastic) and 10% additives.

Characteristics Units Test Reference
Density 1.35 g/m3 ASTM D792-08
Tensile Strength 155 kgf/cm2 ASTM D638-08

TYPE I, V = 5 mm/min

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new logo

Mayor's Court

Sep 20, 2021
4:00 PM

Block Watch Meeting

Sep 21, 2021
7 p.m.

Yoga in the Park

Sep 25, 2021
10 am

City Council Meeting

Sep 27, 2021
7 p.m.

Boo Fest

Oct 2, 2021
6 pm -10 pm

Duke Energy Customer Assistance

As part of Duke Energy's ongoing support for customers struggling to pay utility expenses due to the economic impacts of COVID-19 or other hardships encountered over the last year, we are sharing a resource the company has developed to help people secure government assistance and other financial support resources. To view this information, click here .

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Mandatory 10 digit dialing eff Oct 24, 2021

Mandatory 10 digit dialing eff Oct 24, 2021

Eff Oct 24, 2021, those with area code 513 or 859 must dial the area code to complete a local call (full 10 digit phone number).  This is due to a new 3 digit service (988) for the National Suicide Prevention & Mental Health Crisis Lifeline.  Click here for link to Cincinnati Bell for more info.

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Public Wi-Fi Coming to Deer Park

Free public Wi-Fi is coming to Deer Park this fall! We are sending out letters to property owners along  Blue Ash Road, Webster Ave, Plainfield Road, E Galbraith Road, and Matson Ave. In this mailing is information in regards to what we need to accomplish to make this a reality for our city.  Please consider joining our effort.  Below are links to information that has been sent out.

Right of entry for residential  Residential ROE FAQ

 Right of entry for business    Business ROE FAQ

Map of coverage     Coverage Map

read more


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Mandatory 10 digit dialing eff Oct 24, 2021

Posted on: September 3, 2021

Eff Oct 24, 2021, those with area code 513 or 859 must dial the area code to complete a local call (full 10 digit phone number).  This is due to a new 3 digit service (988) for the National Suicide Prevention & Mental Health Crisis Lifeline.  Click here for link to Cincinnati Bell for more info.


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Stars Hang On For A 3-2 Win Against Blues

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The knuckle bone is connected to the... skull bone! (Credit:
The knuckle bone is connected to the... skull bone! (Credit:

* whew *

It's safe to exhale for now as the Dallas Stars hang on for dear life and squeaked out a 3-2 win over the St. Louis Blues on Thursday night.

A strong start for Dallas that staked them to a 3-0 lead midway through the game is going to likely be overshadowed by a rather poor finish by the team as it felt like the Stars opted to try a prevent defense for the last 30 minutes of the game.  Thankfully Kari Lehtonen was great yet again in stopping 36 of 38 shots improving his record to three wins and zero losses.  Loui Eriksson, Adam Burish and Brenden Morrow took care of the scoring for Dallas which improves it's record to 3-1-0 on the season.

As was the case in the first two wins however, while it's nice to have two points earned in regulation in the win column for Dallas, the fashion in which they earned them was rather ugly which of course leads to some conflicting emotions.

(Which we cover after the jump..)

Finally Some "Power" In The Power Play : The Stars finally picked up a power play goal (Morrow's tally in the second period that ended up being the winner) finished the game successful in one out of the five chances they got, and there signs of improvement in terms of puck possession, but it's still a long ways off from being truly effective.  They still seem to lack an effective ability to enter the offensive zone and were often turned away at the blue line by defenders. When they did manage to gain and maintain possession in the zone, they couldn't create any real traffic in front of the opposing net. The one time they did was the goal that Morrow had scored after Stephane Robidas threw it on the net and allowed brenden to slide the puck past a floundering Jaroslav Halak.

Penalty Killing : The Stars were a perfect five for five on the penalty kill but much like tonight's win itself, the manner in how they killed those odd man chances against wasn't exactly the most enjoyable thing to watch if you're a Stars fan. On the plus side the Stars did keep the Blues contained to mostly perimeter play when they had a man advantage which what you usually want. The Stars however failed repeatedly to clear the puck out of their zone which in turn made it a bit of a shooting gallery on Lehtonen at times.

Old Habits Die Hard Huh Mr. Ott? : This might be nitpicking, but if Steve Ott is supposed to be one of the leaders and someone the others look to set an example on this club - and he is - then sticking Chris Stewart in the ribs and end up getting dinged with a 10 minute misconduct after that altercation is not a good way to go about your business. We like the feisty get-under-their-skin Otter, but at a crucial time like that - and just after the Blues were hit with a holding penalty that pretty much killed any chance they had to tie the game - I'd rather have Ott skate away and stay on the ice in the final seconds to lock away a victory. This time it ended up fine for Dallas as Stewart was also rung up with a misconduct and the face off was still moved into the Blues zone... so no harm / no foul. But now is a good as time as any to get into good end-of-game habits right?

Go Forward Young Men... Not Side To Side! : As some of us noted in the game day thread, there seems to be this habit the Stars have - be it on the power play or even strength - where the Stars will just gain the offensive blue line and then instead of either carrying the puck forward or dumping the puck in, they'll try to make an east-west pass that is often picked off by a defender. The Morrow / Ribs / Ryder line is looking like the most guilty of this tactic but it's a team-wide problem and it's not only costing them scoring chance, but it's creating far too many turnovers. The side pass did pay off for Trevor Daley who made a nice side pass to a streaking Burish that caught Halak flat footed for the second Stars goal, but generally that play is rather ineffective.

Rejected! : Blocked shots aplenty for the Stars tonight...  Vernon Fiddler had five, Nicklas Grossman (who looked ok in his first game back) had four, Sheldon Souray had three, and the team in total was credited with 20. So while the Stars on defense are having issues creating exits out of their zone, they are at the very least playing good positional hockey and getting in shooting lanes.

Seeing More Rubber Than A Freeway Sees During Rush Hour Traffic : The Blues in total fired 77 pucks in the general direction of Kari Lehtonen (that is to say shots, blocked shots and missed shots) while the Stars only mustered up 42 pucks on the Blues net.

Stars Points : Morrow (1 goal - 1st of the season), Eriksson (1 goal, 2nd season), Burish (1 goal, 1st season), Ott (1 assist - 2nd season), Daley (1 assist, 2nd season), Robidas (1 assist, 1st season), Mike Ribeiro (1 assist, 2nd season)

Defending Big D Three Stars:
1 - Kari Lehtonen (DAL)
2 - Andy McDonald (STL)
3 - Loui Eriksson (DAL)


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Address: Oltnerstrasse 9,
4663 Aarburg, Switzerland

Phone: 0627914121

Dr. Claudius Frey

Generalist, Internist

Welcome to the DeinDoktor profile of Dr. Claudius Frey. Dr. Claudius Frey is Generalist, Internist. Dr. Claudius Frey treats and practices in Aarburg. You can book an appointment for a telemedical online consultation with Dr. Claudius Frey . In addition you can request an appointment, see more information and report about the special knowledge of Dr. Claudius Frey yourself.

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Specialty: Generalist, Internist

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(WASHINGTON) — The Justice Department declined a request from Rep. Mo Brooks, R-Ala., Tuesday night to intervene for him in a lawsuit brought by a Democratic lawmaker suing him for his role in allegedly inciting the Jan. 6 attack on the U.S. Capitol.

In a new filing, the DOJ said it has determined it does not believe Brooks was acting within the scope of the duties of his office when he spoke in front of a pro-Trump rally just before rioters stormed the building, telling the crowd, “today is the day American patriots start taking down names and kicking a**.”

Brooks had asked for the Justice Department to replace him as a defendant in a lawsuit brought by Rep. Eric Swalwell, D-Calif., providing him legal immunity under a law known as the Westfall Act that former President Donald Trump similarly has sought to use to shield him from an effort by columnist E. Jean Carroll to sue him for defamation over his denial of her rape allegation.

“We appreciate the thoughtful analysis by the Committee on House Administration and the Department of Justice and could not agree more with their conclusion,” Rep. Swalwell’s attorney Philip Andonian said in a statement Tuesday night. “This conduct manifestly is outside the scope of Brooks’s employment as a member of Congress and the House and DOJ made the right call in requiring him to answer directly for his actions. This is a great step toward justice.”

Attorney General Merrick Garland faced a barrage of criticism last month when the department said it would continue to seek to substitute itself for Trump in the lawsuit, arguing that the law did apply to Trump even if they believed his statements were “crude” and “disrespectful.”

“The essence of the rule of law is that like cases be treated alike,” Garland said in defense of the move in testimony before a Senate panel. “That there not be one rule for Democrats and another for Republicans. That there not be one rule for friends and another for foes.”

Brooks similarly argued that by speaking to the rally and repeating Trump’s false claims of a stolen election that he was performing an official act of his office by representing the interests of his constituents.

Brooks has not responded to ABC News’ request for comment following the DOJ’s decision Tuesday.

But the chair of the House Administration Committee, Rep. Zoe Lofgren, D-Calif., disputed that assertion in a July 23 letter to the Justice Department, saying that Brooks’ conduct was “in furtherance of political campaigns” and thus should be deemed outside the scope of his office.

“Essentially, in deflecting the allegation that his speech was an incitement to violence, Representative Brooks has sworn under oath to the court that his conduct was instead in furtherance of political campaigns,” Lofgren wrote. “As noted, standards of conduct that apply to Members and precedents of the House are clear that campaign activity is outside the scope of official duties and not a permissible use of official resources.”

The Justice Department in its late filing Tuesday night largely backed Lofgren’s position, saying, “Brooks’s appearance at the Jan. 6 rally was campaign activity, and it is no part of the business of the United States to pick sides among candidates in federal elections. … Indeed, although the scope of employment related to the duties of a Member of Congress is undoubtedly broad and there are some activities that cannot be neatly cleaved into official and personal categories, Brooks’s request for certification and substitution of the United States for campaign-related conduct appears to be unprecedented.”

“Members of Congress are subject to a host of restrictions that carefully distinguish between their official functions, on the one hand, and campaign functions, on the other,” the department said. “The conduct at issue here thus is not the kind a Member of Congress holds office to perform, or substantially within the authorized time and space limits, as required by governing law,” the DOJ wrote.

The DOJ also notes that “if proven” the conduct Brooks is alleged by Swalwell to have engaged in “would plainly fall outside the scope of employment for an officer or employee of the United States.” “… conspiring to prevent the lawful certification of the 2020 election and to injure Members of Congress and inciting the riot at the Capitol.”

“Alleged action to attack Congress and disrupt its official functions is not conduct a Member of Congress is employed to perform and is not “actuated . . . by a purpose to serve” the employer, as required by District of Columbia law to fall within the scope of employment,” the department wrote in its filing.

Legal experts have been closely watching what the DOJ would ultimately decide in Brooks’ case, believing it could have a significant impact on other cases brought against allies of former President Trump being sued for encouraging or inciting the pro-Trump mob that stormed the Capitol on Jan. 6.

It is still unclear, however, whether the judge overseeing the case will decide to grant Brooks’ request to substitute the DOJ for himself despite DOJ’s stated opposition Tuesday evening.

Copyright © 2021, ABC Audio. All rights reserved.


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08 Jun 2021

Top Ten Sunglasses for Summer 2021

Specsavers Ópticas is located in Avda. Rei Jaume 1, 117, Santa Ponça. They offer free, complete eye tests, a wide range of glasses and sunglasses and is a collection point for the Santa Ponça Food Bank.

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01 Jun 2021

Three ways you can support World Environment Day

If there’s one change you make on World Environment Day this should be it! Plastic water bottles are hugely wasteful to produce and most of them end up in landfill.

deluxeadmin 0


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Learn more Got it

14 Hilarious Winners Of The 2017 Comedy Wildlife Photography Awards

Published 4 years ago

We’ve already presented you with the nominees for the funniest wildlife picture of the year, and now the time has come to find out who the winner is.

The awards are held in order to spread awareness about wildlife conservation since 2015 and with each year it’s growing more and more popular.  “It’s been a real success this year, the quality of images has improved substantially and we have had more entries and from more countries,” said one of the founders of the competition, photographer Paul Joynson-Hicks.

And while clumsy eagles and laughing hamsters are sure to make you giggle, we shouldn’t forget about the cause. The organizers invite everyone to check out the born free website and spread the word about wildlife conservation together with the amusing bunch of pictures.

Scroll down below to see the winners and tell us about your favorite in the comments below. To see the winners of last year, click here.

Image source: comedy wildlife photo (h/t metro | gizmodo)

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OVERALL WINNER 2017 “Help” by Tibor Kercz.

WINNER of Amazing Internet Portfolio prize Tibor Kerccz for his sequence of 4 Owl images

WINNER of the Alex Walker’s Serian On The Land category “The Laughing Dormouse” by Andrea Zampatti

Andrea Zampatti | flickr | facebook

WINNER of the Kenya Airways In The Air category “Duck Speed” by John Threlfall

John Threlfall

WINNER of the Padi Under The Sea category “Slap” by Troy Mayne

HIGHLY COMMENDED “All Dressed And Ready For Church” by Carl Henry

Carl Henry

HIGHLY COMMENDED “Caught In The Act” by Bence Mate

Bence Mate | facebook

HIGHLY COMMENDED “Must Have Three-putted” by Douglas Croft

Douglas Croft | facebook | instagram

HIGHLY COMMENDED “Hitching A Ride” by Daisy Gilardini

Daisy Gilardini | facebook | instagram

HIGHLY COMMENDED “WTF” by George Cathcart

George Cathcart

This is your daily reminder that you're good enough and you're beautiful. Make sure to gift your smile to the world a little more often and continue spreading the word of positivity.

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Denver Celebrates Grand Opening of 132 New Income-Restricted Condos

Published on July 14, 2021

Central Park Urban Living Condos provides home ownership opportunities for households earning up to 80% of the area median income

Home ownership is a reality for 132 hard-working individuals and families thanks to the opening today of a new income-restricted condominium development in Denver’s Central Park neighborhood. Denver’s Department of Housing Stability (HOST) participated in a ribbon cutting today to celebrate the new Central Park Urban Living Condos, located at 36th Ave. and Central Park Blvd.

The project was developed by Northeast Denver Housing Center, with Brookfield Properties donating the land. Located adjacent to RTD’s Central Park Station, the project offers one- and two-bedroom homes ranging from $139,500 to $169,500. All units are under contract to households earning 60% to 80% of the area median income (up to $55,950 for a single-person household, or up to $71,950 for a household of three).

“This project is so needed,” said HOST Executive Director Britta Fisher. “We’re honored to celebrate the opening of one of Denver’s largest developments of income-restricted homeownership units. This will make a meaningful difference for 132 individuals and families, providing housing stability and an asset from which to build and grow their lives.”

The project includes 51 one-bedroom homes and 81 two-bedroom homes. Each unit contains 9-foot ceilings and large windows allowing natural light to reach all parts of the units, enhancing daylighting and views while decreasing energy cost and usage.

“Affordability of homes, and how close we live to transportation, jobs, good schools, grocery, open space and overall amenities of healthy living contribute to our wellbeing,” said Gete Mekonnen, Northeast Denver Housing Center executive director. “Central Park Urban Living is a great example of such achievement. NDHC and its supporting partners have set another benchmark.”

The City and County of Denver provided $2,640,000 in financing from the Affordable Housing Fund toward the $35.9 million project. The project also received other public finance funds from the Colorado Department of Local Affairs.

The Central Park Urban Living Condos is the latest city-supported affordable housing development to open in Denver. A total of 1,152 affordable units that have received city financing are currently under construction at 24 sites throughout Denver. An additional 855 income-restricted units are in the planning stage.


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LIPA CITY, BATANGAS, September 3, 2018 – Department of Education (DepEd) Secretary Leonor Magtolis Briones highlighted anew the importance of instilling 21st century competencies in learners, and expressed her gratitude to all partners who make this possible during the recent program of the provincial government of Batangas held at the Inosloban-Marawoy National High School in Lipa City.

In her speech, Briones also mentioned the challenge in this fast-paced modern world: “The challenge for us now is to go beyond the robots that we are building. We need to build robots which will make life easier, will make our homes more livable, and will eliminate the opportunities for corruption in government. So we move from toys to practical solution to everyday problems. And I know that we, Filipinos, are perfectly capable of doing that with the help of various agencies.”

21st century classrooms
One of the highlights of the event was the inauguration of the country’s pilot 21st Century Learning Environment Model (CLEM) Classroom which aims to support DepEd’s K to 12 curriculum through a modern avenue which creates learning practices, human support, and physical environment to facilitate the development of the 21st century skills of both teachers and learners. This project is being implemented by the Department of Science and Technology (DOST).

Other schools in Lipa City currently equipped with a 21st CLEM classroom are Lipa City National Science High School, Bolbok National High School, Pinagtongulan National High School, and San Celestino National High School. Each school has received 26 laptops, one interactive projector and smartboard, one 3D printer, one wireless ink-tank system printer, one smart television, one visualizer/ document camera, and wireless connectivity.

  • DepEd Secretary Leonor Magtolis Briones and other officials from the DICT, DOST, and Batangas provincial and local government inaugurated the country's pilot 21st Century Learning Environment Model (CLEM) Classroom at the Inosloban-Marawoy National High School in Lipa City.

Pipol Konek
The ceremonial launch for the Pipol Konek Free Public Wi-Fi, a flagship project of the Department of Information and Communications Technology (DICT), was also held in the same event in Lipa City. The Pipol Konek provides free internet connectivity in public places all across the Philippines. It complements the implementation of the Free Public Internet Access Program mandated by Republic Act 10929 which aims to cover all public places in the country with free public internet service.

Collaborative efforts
Briones further underscored the vital role of other government and non-government organizations, and the community in providing a quality, accessible, relevant, and liberating basic education for all.

Ang edukasyon ay hindi lamang pananagutan ng DepEd, ito ay pananagutan ng lahat ng Pilipino, ng lahat ng departamento, at ng community. Kasi kung wala ang kanilang tulong ay hindi matutupad ang pangako natin para sa edukasyon,” she concluded.

Also present at the event were DepEd Undersecretary Alain Pascua and Region IV-A Director Diosdado San Antonio, DICT Acting Secretary Eliseo Rio Jr., DOST Undersecretary Brenda Nazareth Manzano, Batangas 6th District Representative Vilma Santos-Recto, Lipa City Vice Mayor Eric Africa, National Electrification Administration representatives, and other national and local officials.