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Godolphin 3, Falmouth Town 3

FALMOUTH led three times in Newquay last night before having to settle for a draw in conditions more suited to January than August in the SWPL Premier.

Following their 7-0 defeat at home to Tavistock on Saturday, this was a welcome point for Town, who probably felt a little aggrieved that they could not hang on to all three points.

David Broglino gave them an early lead before Godolphin equalised midway through the half.

A lovely cross from Luke Brabyn set up Harry Clarke to head Falmouth into the lead just after half an hour, before the hosts levelled again on the hour mark.

Jordan Annear restored Falmouth's lead once again with a cool finish but Godolphin still had time to muster another equaliser.

Wendron recovered from a 7-1 thrashing on Saturday to produce an excellent 2-1 victory at Illogan thanks to new signings TJ Walter and Scott Palmer.

Porthleven had a thrilling 3-3 home draw with Mousehole.

They fell behind early on before Luke Johnson was sent off for the visitors just before the break.

Port equalised but fell behind again, before scoring twice to lead 3-2. Mousehole grabbed a late equaliser to earn a share of the spoils.

Helston Athletic's SWPL Premier season started in disappointing fashion with a 5-1 defeat at Newquay on Tuesday night.

Penryn Athletic were reduced to nine men in an incident-packed Combination League match at home to Hayle on Tuesday.

In injury time equaliser for Hayle denied the hosts a remarkable win, with the two sides sharing six goals in an eventful encounter.

The hosts played nearly the entire second half with nine men after Ryan Reeve and Ben Allen were sent off, but they took an unlikely lead before Hayle equalised in the dying moments.

Penryn took the lead in the 14th minute through Reeve, who was then shown a straight red card on the half-hour mark for a late tackle on one of Hayle’s defenders.

Hayle made their numerical advantage count seven minutes later, when striker Cameron Irish levelled from the penalty spot after Penryn captain Russell May handled in the box.

Irish put the visitors in front on the stroke of half time and things turned from bad to worse for Penryn four minutes after the break, when referee Andrew McKnight showed Ben Allen two yellow cards for dissent within 30 seconds of each other.

Despite having two fewer players, Penryn forced an equaliser with a penalty of their own. Liam Jarvis was felled in the area, and Will Harding tucked the resultant kick away.

Remarkably, the nine men regained the lead on 70 minutes, courtesy of another penalty. Harding was sent tumbling this time, before he stepped up to fire into the top corner.

In injury-time Kian Hooper headed in a free-kick to break Penryn hearts.

Midweek results

SWPL Premier

Bodmin 1, Ivybridge 1

Camelford 1, Launceston 6

Exmouth 2, Saltash 4

Godolphin 3, Falmouth Town 3

Cullompton 0, Plymouth Pk 6

Newquay 5, Helston 1

Stoke Gabriel 1, Plymouth Arg 4

Torpoint 0, St Austell 2

Division 1 West

Holsworthy 2, Plymstock Utd 2

Illogan 1, Wendron Utd 2

Liskeard 4, St Blazey 3

Penzance 0, Ludgvan 2

Porthleven 3, Mousehole 3

St Dennis 0, Wadebridge 4

Dobwalls 1, Millbrook 2

Combination League

Carharrack 3, Perranwell 1

Falmouth Res 1, St Day 0

Helston Ath 4, Mullion 3

Perranporth 3, Goonhavern 2

Pendeen 8, Porthleven Res 3

Penryn Ath 3, Hayle 3

Redruth Utd 1, St Agnes 4

St Ives 1, St Just 0

West Cornwall 0, Illogan 1


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Battleships at High Street Library Bolton @ High Street Library

High Street Library, High Street, Bolton, Lancashire, BL3 6SZ

  • 03 Aug 2017 2pm 2.45pm Tuesday

This event is FREE

  • Tel: 01204 332358

  • Come along and take part in a giant game of Battleship then create your own version to play with your friends.

    Suitable for ages 4-11 years

    Tuesday 03 August 2017

    2pm - 2.45pm

  • Families recommends that you always check details of the event with the organiser.
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Cutforth Road, Sawbridgeworth, CM21 9EA

More information

  • Facilities

    Parking: NO
    Disability Access: YES
    Changing Rooms: NO
  • Families recommends that you check any details with the listing provider before visiting.
posted by you March,25,2019 | 9:54 PM
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Emergency Services Show @ Cotswold Airport

Cotswold Airport, The Control Tower, Cirencester, Gloucestershire, GL7 6BA

  • 16 Sep 2018 10.00am - 16.00pm Sunday

See detail

  • Tel: 01285 771177

  • The Emergency Services Show (ESS) takes place every year and is the biggest outdoor show of its kind in the South West, showcasing local emergency services and partner agencies.
    The Show provides a safe environment to learn about your local emergency services, view displays and demonstrations, take part in activities, listen to safety talks and meet your local emergency service teams.
    The ESS provides a brilliant opportunity to take part and learn about the vital services that our emergency services provide for your and your family across the South West.See website for ticket information and prices.
  • Families recommends that you always check details of the event with the organiser.
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Abuse Poem

Poem About Physical Abuse From Father

This poem tells a sad story of a little girl who is abused by her father but is convinced it is because she has done wrong. When the doctor's ask her where she got the bruises she tells them she did it to herself.

Featured Shared Story

I’m so sorry you were hurt at 4 and you’re still in pain at 15. I am 55, and I have been where you are, abused, broken, tossed aside, unloved, and unwanted. I found help through a Christian...

Read complete story

Share your story!

Sorry Daddy

Published: February 2006

You call me names,
You curse me out,
When I make you mad,
You scream and shout,
I know you love me,
and I know you care,
there's times when you show it,
but those times are rare,
I hardly get to see you,
but the times that I do,
You're either drunk or high,
but Daddy.. I still love you,
You hit me a lot,
but it's because I do you wrong,
I must do you wrong plenty,
since these bruises stay for so long
I keep my feelings
locked up inside,
the bruises and scars,
I try to hide,
When the doctor asked,
who gave these bruises to me
I didn't tell them it was you Daddy
I told them it was me,
I don't know if they believed me,
but they put this needle in my arm, Daddy I pray that when I'm gone they will do you no harm,
Daddy I'm getting scared,
I look around
and you're no where to be found
as I take my very last breath,
I go peacefully, without you, to my death.

  • Stories 13
  • Shares 428
  • Favorited 15
  • Votes 1083
  • Rating 4.49
Has this poem touched you? Share your story!
  • by Melanie
  • 1 year ago

This poem described my entire life except that no one knew what had happened until a few years ago. I was 4, now I'm 15, yet the memories still haunt me. Someone please let me know when it starts to get better...

  • by Christina
  • 1 year ago

I’m so sorry you were hurt at 4 and you’re still in pain at 15. I am 55, and I have been where you are, abused, broken, tossed aside, unloved, and unwanted. I found help through a Christian counseling program at my church in my 30s. The book was called 12 Steps a Spiritual Journey. I worked through my horrible pain and nightmares and had others to talk to who understood my pain, and I drew strength from them! My parents never changed. No love or acceptance, only rejection. I had to change! I couldn't change those who hurt me. I had to find my own healing, and I received love from God and my husband. There is hope. There is help. You didn't deserve your pain. Find a support group or counselor that treats your type of trauma. It is so important you find your tribe…those who can understand and care for your broken heart. I wish you love and health and a heart that causes love in your life and not pain. You deserve to be loved!

  • by Mclyne August Carr
  • 1 year ago

She always smelled of cigarette smoke and cheap perfume. She barely brushed her hair, because depression had trapped her in her bed. Her showers consisted of letting the warm water hitting her back, trying to make sense on why her father left and her sister wouldn't get better. She hated the idea of a man seeing her naked body without tumbling just to make it to the bedroom. She couldn't go in the back room because all she saw was the hole in the wall from the night her father was no longer a man. He was no longer a father when his soft touch became hurtful hits. She hated the summer months, because that's when her mother had gone away. Vacation they all said, but I knew she stopped breathing that night. Her father brought home strange women and locked her in her room, causing her to stare at a reflection she no longer knew, ripping apart her skin, trying to see what was really on the inside. People looked at her as an old book, fearing to open but some did despite the damage.

  • by New York
  • 5 years ago

I hear the cars go by, I hear the smiles, but I don't hear love. Beaten, torn down, I try and run, but things get worse, first it was my arms, then it was my legs, then my face. When I look in the mirror I don't see my reflection. all I see is the sorrow I wonder what I did to deserve it. I wonder if there is hope if so, I need it the most. I lost my arm. Lost my virginity to my father, lost all hope and soon I know I'll lose my life. This is not a cry for help this is not a fake. This is a poem of saddens and sorrow don't feel bad I probably did something to deserve it. Wondering what it was I did.

  • by Liz
  • 3 years ago

You didn't do anything to deserve this! You are an amazing person, and I plan on meeting you someday. All you have to do is reach out to someone to get help. It may not seem easy but you can do it. If you even read this, and you think that I'm wrong, if you can't do it for yourself then do it for me. For other kids who can't. You can. I believe in you. I LOVE YOU!!!!!!!!!! Please. Get some help. If I knew how I would do it for you. This is real. I FREAKING LOVE YOU!!!!!!

  • by Olivia
  • 5 years ago

I just can't stop crying. Sometimes I think to myself, why wasn't it me who died? Those children should live longer and should still be alive. Their parents are still alive and in a good condition while their children are dead. They should be in jail not at home watching TV and not thinking about their children who are dead. God please protect the parents here on earth and their children up in heaven.

  • by Charlotte
  • 5 years ago

I hate Child Abuse - it's sick. Absolutely sick. How can people, PARENTS< do that to their kids? If they don't want a child either get an abortion or put the poor child up for adoption but abusing them and murdering them... No child deserves to be hurt by their parents :( your poem was amazing, very moving... X

  • by Kyra Welsh
  • 6 years ago

I relate to this poem because I went through something pretty much the same with my mum. I now live with my dad and I couldn't be happier. I felt trapped when I lived with my mum and I though I would never get help. Moving changed my life and hopefully it will change yours for the better. Stay strong and live your life to the extreme because you only live once keep your head held high because you haven't done anything wrong.

  • by P.M. North America
  • 6 years ago

I thought this was very moving!!!!! It makes me think about how lucky people are that don't have to go through this kind of thing....... I came close to this with my ex-step dad and it's not fun........I really feel bad for Guyana.... nobody should ever go thought that!!!!!! Very sorry to everybody else who went through this!! Well, thanks for putting this poem together!!!!!!!!!!!!!,

  • by Guyana, South America
  • 7 years ago

I've never been abused sexually but physically and mentally I know it all I'm 19 now and I've grown I'm not abused physically anymore. But up until the age of 16+ I was abused my dad used wire, cutlass, rope and anything he could put his hands on to beat me and my six other siblings... During my years of abuse I packed my bag at least 10 times but never moved. I cried reading these stories ... I just want them to know they are not alone. We feel your pain and we love you. Just writing shows your strength keep on doing what you do my fellow victims of abuse.

  • by Makayla, Massachusetts
  • 7 years ago

Wow! I write poetry and people say I have a gift but compared to you I sound like a little kid without any talent. This is amazing and made me cry for hours. This happened to my friend...she got abused and they locked her in a mental facility because of the marks

  • by Willow, London
  • 8 years ago

This was so touching. I know that whoever this was written for/about went through a lot. I used to feel like this myself - like everything was my fault.
I think this is the best poem I've ever read and ever will read, it's so emotional and special. I love it. Thank you for writing it, it must have been an emotional time.

  • by Monica, Detroit
  • 8 years ago

OMG....this is breath taking who ever this is about I feel so sorry for.. Words can't explain how she must have been feeling I never been through it but I was close. Wow, just wow!

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Kentucky Maps

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Maps are used to locate the places where your ancestor lived. They identify political boundaries, names of places, geographical features, cemeteries, churches, and migration routes. Historical maps are especially useful for finding communities that no longer exist.

For maps illustrating how Kentucky county boundaries have changed over time, visit the free online Kentucky County Formation Maps, courtesy: and AniMap 3.0 or Newberry Atlas of Historical County Boundaries for Kentucky. Type year of interest. Click County Index for history of boundary changes.

The Kentucky Department of Commerce in Frankfort has a large collection of maps and atlases for the state. The Kentucky Historical Society and the University of Kentucky in Lexington also have good collections. Some maps and atlases for Kentucky include the following:

  • Kentucky: Atlas of Historical County Boundaries. New York, NY: Charles Schribner’s Sons, 1995. FHL book 976.9 E3k. This volume contains maps of each county of Kentucky that trace the boundary changes that occurred. It is part of a project of the Newberry Library to create historic county atlases for each of the 48 states of the continental United States.
  • Puetz, C. J. Kentucky County Maps. Lyndon Station, Wisconsin: County Maps, [1990?]. FHL book Q 976.9 E7p. This book contains detailed maps of each county with towns, roads, points of interest, and major rivers and creeks.
  • Rone, Wendell H. An Historical Atlas of Kentucky and Her Counties: Daviess County, 1815–1965. Sesquicentennial ed. Owensboro, KY: Progress Printing , 1965. FHL book 976.9 E7ro. This atlas contains maps showing changes in county boundaries and charts showing the county name origins, formation dates, acreage, and population by census year.
  • Streams of Kentucky. [N.p.]: Kentucky Department of Commerce, 1973. FHL map 976.9 E7s. This map shows major and minor waterways of Kentucky, with county boundaries and county seats, and can be used to help determine migration routes and settlement patterns in the state.
  • Mead, H.D. Kentucky and Tennessee. A complete guide to their railroads, stations and distances, connections north and south; their rivers, landings. Louisville, H.E. 1867. Free digital copy.

The Family History Library has city ward maps of Louisville for 1861, 1868, 1873, and 1882. These help with searches of the 1860 to 1880 censuses.

See Kentucky Gazetteers, United States Gazetteers, and United States Maps for more resources regarding places in Kentucky. Also check the Place Search of the FamilySearch Catalog under:

Printable maps are also available from the National Atlas of the United States

Other maps can be found at Kentucky Digitable Library


text:
10100252 SKU-

The Impossible

MSRP: $14.98 Starting From $10.99 You Save $3.99
Availability: In stock
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More Information
Complete Title:The Impossible
Synopsis:Maria (Naomi Watts), Henry (Ewan McGregor) and their three sons begin their winter vacation in Thailand, looking forward to a few days in tropical paradise. But on the morning of December 26th, as the family relaxes around the pool after their Christmas festivities the night before, a terrifying roar rises up from the center of the earth. As Maria freezes in fear, a huge wall of black water races across the hotel grounds toward her. Based on a true story, THE IMPOSSIBLE is the unforgettable account of a family caught, with tens of thousands of strangers, in the mayhem of one of the worst natural catastrophes of our time. But the true-life terror is tempered by the unexpected displays of compassion, courage and simple kindness that Maria and her family encounter during the darkest hours of their lives. Both epic and intimate, devastating and uplifting, THE IMPOSSIBLE is a journey to the core of the human heart.
CARA Explanation:intense realistic disaster sequences, including disturbing injury images and brief nudity
Box Office:19
Theatrical Release Date:Dec 20, 2012
Video Release Date:Apr 22, 2013
Cast:Ewan McGregor, Naomi Watts, Tom Holland, Samuel Joslin, Oaklee Pendergast, Geraldine Chaplin, Marta Etura, Dominic Power, Bruce Blain, Sonke Mohring
Director:Juan Antonio Bayona
Genre:Action, Drama
Studio:Summit Entertainment
Original Release:2012
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Public Submissions and White Papers

Resolution of Voltage Swells by the Faraday Exchanger

27 June

To demonstrate the voltage swell-resolution capability of the Faraday Exchanger compared to a transformer, the Faraday team conducted laboratory experiments. For a thorough review and analysis, read this white paper (PDF).

Faraday Grid Benefits - A New York State Viewpoint

13 June 2018

Read Jagadeesh Guda’s white paper (PDF) that documents the techno-economic implications of the Faraday Grid technology in specific to the New York state electricity grid.

Ofgem RIIO  2 Framework Consultation

1 May 2018

In their response, Faraday Grid urges the incentivisation of fundamental network-wide solutions as opposed to seeking out incremental mitigating technologies providing only temporary relief from network-wide pressures.

Read the Faraday Grid’s response here as submitted on 1 May to OFGEM.

Third Party Validation of the Faraday Exchanger

1 May 2018

Employing the key findings from PNDC validation report, this whitepaper (PDF) by Jagadeesh Gunda summarises the capabilities of the Faraday Grid technology.

Faraday Exchanger Benefits - High Voltage Network Simulation

9 February 2018

This white paper demonstrates the key technical and economic benefits of the Faraday Exchanger (FE), a Faraday Grid (FG) technology through results obtained from detailed simulations on numerous electrical networks from various countries.

Download the White Paper by Jagadeesh Gunda HERE

Electricity grids and markets: current status, problems, and opportunities for the Faraday Grid

5 December 2017

This white Paper by Dr Harry van der Weijde, the University of Edinburgh Chancellor’s Fellow finds that the current electricity system is fast approaching a breaking point and will not be able to handle higher levels of renewable energy without substantial new costs that would hit consumers. Dr van der Weijde concludes that the Faraday Grid can resolve the challenge of increasing renewable energy penetration and preventing the looming threat of doubling or tripling of longer term electricity prices. Access the white paper here (PDF)


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Farmer Writes: weather extremes look set to continue
While I’m aware the weather of 2018 didn’t go down well with a lot of farmers, I could happily live with warm dry summers and autumns, writes Gerald Potterton.
Farmer Writes: plenty of shoe polish to keep our dancing shoes right
A little bit of Lannigan’s Ball is fine now as we negotiate March of many weathers, writes Kieran Sullivan.
Farmer Writes: it's good for the head to visit the inventor's shack
The very wet and windy weather put a stop to all fieldwork, so Gerald Potterton took to the workshop.
Farmer Writes: from slurry to electric cars in rural Germany
Farmer and renewable energy producer Thomas Karle shared his experience with participants of a recent biogas training course in Enniskillen, Co Fermanagh.


WARC-Identified-Payload-Type: application/xhtml+xml

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Food database and calorie counter Source: Generic

Cooked Sauerkraut (Fat Added in Cooking)

Nutrition Facts
Serving Size: 1 cup
Amount Per Serving
Calories from Fat 22
Calories 47
% Daily Values*
Total Fat 2.47g 4%
  Saturated Fat 0.475g 2%
  Polyunsaturated Fat 0.751g
  Monounsaturated Fat 1.086g
Cholesterol 0mg 0%
Sodium 972mg 40%
Potassium 245mg
Total Carbohydrate 6.22g 2%
  Dietary Fiber 3.7g 15%
  Sugars 2.56g
Protein 1.32g
Vitamin A 3% Vitamin C 32%
Calcium 4% Iron 12%
Last updated: 21 Aug 07 07:33 AM
of RDI*
(47 calories)
2% of RDI
Calorie Breakdown:
Carbohydrate (48%)
Fat (42%)
Protein (10%)
* Based on a RDI of 2000 calories

Nutrition summary:

There are 47 calories in 1 cup of Cooked Sauerkraut (Fat Added in Cooking).
Calorie breakdown: 42% fat, 47% carbs, 10% protein.

Common Serving Sizes:

Serving Size Calories
1 oz 9
100 g 32
1 cup 47

Related Types of Sauerkraut:

Sauerkraut (Low Sodium, Canned)
Cooked Sauerkraut
Sauerkraut (Solid and Liquids, Canned)
Low Sodium Sauerkraut (Canned)
Boar's Head Sauerkraut
  view more sauerkraut nutritional info

Related Types of Cabbage:

Green Cabbage
Chinese Cabbage
Savoy Cabbage
Red Cabbage
Kim Chee Style Cabbage
  view more cabbage nutritional info

See Also:

Cooked Sauerkraut (Fat Not Added in Cooking)
Cooked Soybeans (Fat Not Added in Cooking)
Cooked Chard (Fat Not Added in Cooking)
Cooked Chard (Fat Added in Cooking)
Cooked Escarole (Fat Added in Cooking)
  view more results

Contains these Ingredients:

144 g Sauerkraut (solid and liquids, canned)
3 g Margarine (regular, 80% fat with salt, stick)
Food Search

Add this item to my food diary

Please note that some foods may not be suitable for some people and you are urged to seek the advice of a physician before beginning any weight loss effort or diet regimen. Although the information provided on this site is presented in good faith and believed to be correct, FatSecret makes no representations or warranties as to its completeness or accuracy and all information, including nutritional values, is used by you at your own risk. All trademarks, copyright and other forms of intellectual property are property of their respective owners.


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Credit Tips

Having access to credit is important as you build your future. Establishing and maintaining good
credit is essential to having opportunities to borrow money for countless life needs. But good
credit doesn’t happen by accident.  First Citizens Bank has established a series of “Credit Tips” for our customers and our community  so that you may recognize various ways to establish and control your credit rating:

  • Establish and understand your household budget so that you know exactly how your money is being spent and what expenses you can reduce.
  • A sound financial future begins with having a savings account in which to deposit excess funds and to allow you a financial “cushion” so that you need not borrow every time a unique expense arises.
  • Balance your checkbook each month to keep a close track on available funds and to avoid overdrafts or returned checks, which damage your credit rating.
  • Consider transferring your balances from higher-rate credit cards to a new, lower-rate credit card.
  • Be sure to pay your bills on time, every time. This includes not only credit cards and loans, but utility payments as well as mortgage or rent payments.
  • Keep your credit active and show a consistent pattern of paying your credit extensions on time.  Also, keep your balances low as it affects your credit rating when balances are at or near credit limits established. Your balances should not exceed 50% of your credit limit.
  • Diversify your credit to include not only revolving credit cards but perhaps installment loans, lines of credit and mortgage loans. Maintain more than three credit accounts.
  • If interest rates are similar between existing and potentially new credit cards, remain with your existing card. A long credit history is preferred over a short credit history.
  • If you have old “collection” debts, save money to pay them in full. It is possible that you can negotiate with a creditor to remove derogatory credit ratings if the account is paid in full.
  • Review your credit rating on a regular basis. Each of the three major credit bureaus (TransUnion, Experian and Equifax) can provide your current credit report to you. Be sure to examine for incorrect information and be aware of identity theft/false credit accounts.
  • If you are trying to establish credit, inquire about a Secured Credit Card; a credit card backed by your savings account which allows you to establish a payment history.

*Beware of co-signing or guaranteeing another person’s debt. When you do so,you acquire a contingent liability which affects your personal credit history and rating.


text:
First Congregational

312 W Main St
Marshalltown, Iowa

FCC Audio Recordings

The King is Coming recorded on March 24, 2013.
You Raise Me up recorded on February 3, 2013.
Flute solo recorded on August 12, 2012.
This is My Father's World/What a Wonderful World recorded on August 12, 2012.
Be Thou My Vision recorded on July 19, 2012.

Pachelbel's Canon recorded on July 15, 2012.
Irish Blessing recorded on March 18, 2012
La Cenquantaine performed by Olivia Hawkins
Czardsa performed by Tara Ort
Find in Me A Thankful Heart
I See I Hear I Know
Ron & Vicki Long Wedding Vows and Solo
"Shout the Good News!" Christmas Cantata
"Let us come before Him with thanksgiving and extol Him with music and song."

Psalm 95:2

Special Note

When inclement weather occurs, please refer to the following radio stations for announcement of cancellation of our worship services:

KDAO 1190 am or 99.5 fm

KIX 101.1 fm

KFJB 1230 am


text:
Feng Shui London

Not many people want to add Chinese symbols into their home as they can look a bit out of place. I never ask a Feng Shui client to use many 'trinkets' at all - maybe a Buddha statue or a red paper charm here and there and a symbolic piece of Western (or Oriental) artwork, but otherwise Feng Shui is about unblocking energy in the environment, not adding 'stuff'.
Quick update to say just how important it is to follow feng shui advice, whether you believe in it or not... A young family hired me in November, all excited about owning their first home - they moved in and the poor little boy got really ill. I was shocked. This affected his mother and her ability to work and earn. She got in touch with me in February, explained the ill health, and I immediately set to work to figure out what might have gone wrong...
Natural Health Magazine It was a first for me to be described as a 'fixer fairy' but I think it is rather endearing... For those of you who regularly read Natural Health magazine you can find me in the December issue on page 123 along with a few other lifestyle experts.
Start 2014 on fire with feng shui Does this time of year freak you out a little? Do you feel grateful for the year just past by? Or do you feel secretly afraid that if you don't 'get it right this time' then another year will see your initial hopes and dreams die? Do you listen to knowledge outside of yourself and then regret it? Do you get attracted to mentoring programs then find that they simply cannot provide bespoke enough advice and don't really teach you more than you already know?
KenkoLightIn the Northern hemisphere we are hunkering down in good old British style, coats all buttoned up, hoods and collars grasped close as we head out into the chill winds on these short days that are getting darker and darker. Many people have a physical reaction to the reduction in light called SAD or Seasonal Affective Disorder, which can give rise to feelings of depression and despair simply because the body is not receiving enough daylight. Modern research shows increasingly how we have a relationship between our body and light via the transfer of biophotons - "indeed, the human body emits biophotons, also known as ultraweak photon emissions (UPE), with a visibility 1,000 times lower than the sensitivity of our naked eye. While not visible to us, these particles of light (or waves, depending on how you are measuring them) are part of the visible electromagnetic spectrum (380-780 nm) and are detectable via sophisticated modern instrumentation."  [1],[2]
Sally Wallis Feng Shui Love photoI do love a good testimonial! Its great to catch up with clients now and then! So many wonderful things can happen in their lives, and I might not always know about it! I heard from the lovely Sally a few months ago and she offered to write me this wonderful testimonial outlining the process we went through together to find her the perfect home!
Eucalyptus Oil webAutumn Feng Shui Like in the Springtime, Autumn is an excellent time to declutter, in a mirror image of the bodily detoxification, you can simplify your life and get creative with your organisation. The scent associated with Autumn is pungent - Cajeput, Eucalyptus and Siberian Fir essential oils are all pungent and the eucalyptus can help keep the space free from germs at this crossover seasonal time.
Sarah Love Brigade HatsAs a provider of Feng Shui consultation to homes and businesses all over London and overseas, I have supported charities such as Shelter for many years now as I know how the quality of the home of my clients directly affects their lives, and whilst I do enjoy travel immensely and living out of a suitcase now and then, I equally enjoy having my little nest to return to, and can't imagine how difficult, dangerous and lonely it must be, not to mention bitter cold to be living on the streets. This is why I responded immediately to the call of the Love Brigade and spent a blustery Sunday afternoon on 17th February 2013 with hundreds of other likeminded souls, organising bags of goodies into the 300 'Care Bags' which we then distributed throughout London to either organised shelters or people we randomly found on the street.
  Upon my return from a month long holiday/rest in USA, I was pleased to receive a copy of the book "Kids that Dream Big" by Lashai (11 years old) and Tray-Sean Ben Salmi (7 years old), children of my remarkable friend Sabrina Ben Salmi. The young authors encourage children to imagine a greater future for themselves and I was asked for my expert tips on how to support children with Feng Shui. I very much enjoy assisting kids with Feng Shui for sleep, study or help with bullying - see my testimonials section - you'd be amazed how much my Feng Shui has helped a number of the little people in the families I help! :) Here are the tips I provided in the book! I hope you find them useful and I can certainly help you with more bespoke and more advanced Feng Shui knowledge if you'd rather have an experienced expert help you :) Basic tips can sometimes help, but quite often a more skilled eye is required, so do get in touch. :) And to find out more about Lashai & Tray-Sean or BUY THEIR BOOK! their amazing websites are www.kidzthatdreambig.com &  www.puttheredcarduptobullying.com & www.lashaibensalmi.com


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Microwave Heat Pack for Knee Elbow Arm, Heating Pad, Hot Cold Pack, Sports Injury, Heating Pack with Straps, Soothing Knee Pack

Microwave Heat Pack for Knee Elbow Arm, Heating Pad, Hot Cold Pack

Soothe your knees with our hot, cold pack. Also works great for arms, elbows, etc... Wide velcro straps hold heating or cooling pad in place (not for upright movement).

Measures approx. 9" x 16", filled with rice and flax. 1-2 minutes in the microwave for soothing heat therapy, or a few hours in the freezer for injuries.

Many more Microwave Heat and Cool Packs and Gift Sets...

enter shop here

design and text copyright 2009

Shipping from United States

Processing time

1-3 business days

Estimated shipping times

  • North America : 3 - 8 business days

I'll do my best to meet these shipping estimates, but can't guarantee them. Actual delivery time will depend on the shipping method you choose.

Customs and import taxes

Buyers are responsible for any customs and import taxes that may apply. I'm not responsible for delays due to customs.

Payment Options

Secure options
  • Accepts Etsy gift cards

Returns & Exchanges

I gladly accept returns, exchanges, and cancellations

Just contact me within: 14 days of delivery

Ship items back to me within: 30 days of delivery

Request a cancellation within: 24 hours of purchase

But please contact me if you have any problems with your order.

The following items can't be returned or exchanged

Because of the nature of these items, unless they arrive damaged or defective, I can't accept returns for:

  • Custom or personalized orders
  • Perishable products (like food or flowers)
  • Digital downloads
  • Intimate items (for health/hygiene reasons)

Conditions of return

Buyers are responsible for return shipping costs. If the item is not returned in its original condition, the buyer is responsible for any loss in value.

Questions about your order?

Please contact me if you have any problems with your order.

Frequently Asked Questions

Can you include a gift note?

Absolutely! Just let us know what you would like it to say in the special instructions during checkout.

What are your packs filled with?

We use a combination of rice and flax seed as we find this the best combination for both heat retention and moist heat.

Do you use synthetic scents?

Absolutely not! When requesting lavender or chamomile, please know that we use only real flower buds and essential oils, never synthetic scents.

If I want unscented, does it truly have no scent?

We add no additional scents when unscented is chosen. You may encounter a faint scent of cooked rice when heating your pack. It is mild and has been compared to baked bread.

How long does it take to heat the pack?

Since microwaves vary in wattage, there is no absolute set time. Detailed directions are adhered to the product packaging.

How cold do they get when used as cold packs?

Our packs will feel nice and cool, but they will not be ice cold like a gel pack. We recommend using the fleece side when using as a hot pack and the cotton side as a cold pack.

How do I care for my heat pack?

Use a very damp cloth to spot clean the outside, even using a fabric spray cleaner when necessary. Do not submerge in water. A pack is automatically sanitized each time it is microwaved.

How long will my heating pad last?

If well taken care of, our hot cold packs should last for several years at least.

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Welcome to Stocker House in beautiful Bavaria

...holiday could be so lovely!

Our lovely house is centrally located, sunny and quiet. It is the ideal starting point for many activities throughout the year. These include: cycling/mountain bike touring, hiking, mountain tours, many sightseeings (e.g. Neuschwanstein palace, Linderhof), Wieskirche, castles, Romantic Road, cultural events, cities (Füssen, Munich, Garmisch-Partenkirchen, Oberstdorf, Augsburg) swimming lakes and all winter-sports and much more....

You reside in a nice, comfortable, spacious and family-friendly apartment with 2 or 3 bedrooms, so you will have beautiful holidays!

Grüß Gott in Bavaria!
It´s just lovely here in Bavaria! Lush mountain meadows, majestic Alpine peaks, splendid low mountain ranges with deep green forests and sunny slopes covered in vines are all a delight to the eye.

No-one can really resist a quick dip in one of Bavaria´s crystal clear mountain pools or lakes. In winter the whole landscape is transformed into a glittering fairytale land with snowy fun and games to be had by both young and old. Recuperation and relaxation for both body and soul.

After a hard day´s walking or cycling a glass of beer in the shade of horse chestnut trees tastes doubly good. Bavarian conviviality and joie de vivre can be found everywhere - in traditional beer gardens, at merry wine festivals or at any one of a vast range of cultural events scarcely paralleled for their quality and variety.

The Bavarian capital together with the numerous mediaeval towns and fortresses, the magnificent castles and baroque churches spread throughout the state provide the perfect backdrop for both folklore and opera festivals alike. A complete harmony of ancient and modern.

Where else can one find all of this? This is why Bavaria has become a recreation and holiday region of international popularity.

We look forward to welcoming you to Bavaria!


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Online Manual Manual Print/Search Spanish Translation Definitions Forms Red Flags FAQs FAQs

Bank Secrecy Act
Anti-Money Laundering
Examination Manual

Backward | Table of Contents | Forward

Automated Clearing House Transactions—Overview

Objective. Assess the adequacy of the bank's systems to manage the risks associated with automated clearing house (ACH) and international ACH transactions (IAT) and management's ability to implement effective monitoring and reporting systems.

The use of the ACH has grown markedly over the last several years due to the increased volume of electronic check conversion206In the electronic check conversion process, merchants that receive a check for payment do not collect the check through the check collection system, either electronically or in paper form. Instead, merchants use the information on the check to initiate a type of electronic funds transfer known as an ACH debit to the check writer's account. The check is used to obtain the bank routing number, account number, check serial number, and dollar amount for the transaction, and the check itself is not sent through the check collection system in any form as a payment instrument. Merchants use electronic check conversion because it can be a more efficient way for them to obtain payment than collecting the check. and one-time ACH debits, reflecting the lower cost of ACH processing relative to check processing.207Refer to the NACHA Web site. Check conversion transactions, as well as one-time ACH debits, are primarily low-dollar value, consumer transactions for the purchases of goods and services or the payment of consumer bills. ACH is primarily used for domestic payments, but the Federal Reserve Banks' FedGlobal system208The Federal Reserve Banks operate FedACH, a central clearing facility for transmitting and receiving ACH payments, and FedGlobal, which sends cross-border ACH credits payments to more than 35 countries around the world, plus debit payments to Canada only. can currently accommodate cross-border payments to several countries around the world.

In September 2006, the Office of the Comptroller of the Currency issued guidance titled Automated Clearinghouse Activities — Risk Management Guidance. The document provides guidance on managing the risks of ACH activity. Banks may be exposed to a variety of risks when originating, receiving, or processing ACH transactions, or outsourcing these activities to a third party.209Refer to OCC Bulletin 2006-39, "Automated Clearing House Activities: Risk Management Guidance" (September 1, 2006).

ACH Payment Systems

Traditionally, the ACH system has been used for the direct deposit of payroll and government benefit payments and for the direct payment of mortgages and loans. As noted earlier, the ACH has been expanding to include one-time debits and check conversion. ACH transactions are payment instructions to either credit or debit a deposit account. Examples of credit payment transactions include payroll direct deposit, Social Security, dividends, and interest payments. Examples of debit transactions include mortgage, loan, insurance premium, and a variety of other consumer payments initiated through merchants or businesses.

In general, an ACH transaction is a batch-processed, value-dated, electronic funds transfer between an originating and a receiving bank. An ACH credit transaction is originated by the accountholder sending funds (payer), while an ACH debit transaction is originated by the accountholder receiving funds (payee). Within the ACH system, these participants and users are known by the following terms:

  • Originator. An organization or person that initiates an ACH transaction to an account either as a debit or credit.
  • Originating Depository Financial Institution (ODFI). The Originator’s depository financial institution that forwards the ACH transaction into the national ACH network through an ACH Operator.
  • ACH Operator. An ACH Operator processes all ACH transactions that flow between different depository financial institutions. An ACH Operator serves as a central clearing facility that receives entries from the ODFIs and distributes the entries to the appropriate Receiving Depository Financial Institution. There are currently two ACH Operators: FedACH and Electronic Payments Network (EPN).
  • Receiving Depository Financial Institution (RDFI). The Receiver’s depository institution that receives the ACH transaction from the ACH Operators and credits or debits funds from their receivers’ accounts.
  • Receiver. An organization or person that authorizes the Originator to initiate an ACH transaction, either as a debit or credit to an account.
  • Gateway. A financial institution, ACH Operator, or ODFI that acts as an entry or exit point to or from the United States. A formal declaration of status as a Gateway is not required. ACH operators and ODFIs acting in the role of Gateways have specific warranties and obligations related to certain international entries. A financial institution acting as a Gateway generally may process inbound and outbound debit and credit transactions. ACH Operators acting as Gateways may process outbound debit and credit entries, but can limit inbound entries to credit entries only and reversals.
International ACH Payments

NACHA - The Electronic Payments Association (NACHA) issued International ACH Transaction (IAT) operating rules and formats that became effective on September 18, 2009.210For additional information on the IAT, refer to the NACHA Web site. NACHA has since issued a number of modifications and refinements to their IAT operating rules. The IAT is a Standard Entry Class code for ACH payments that enables financial institutions to identify and monitor international ACH payments, and perform screening to ensure compliance with OFAC requirements. The rules require Gateways to classify payments that are transmitted to or received from a financial agency211"Financial agency" means an entity that is authorized by applicable law to accept deposits or is in the business of issuing money orders or transferring funds. outside the territorial jurisdiction of the United States as IATs. The classification will depend on where the financial agency that handles the payment transaction (movement of funds) is located and not the location of any other party to the transaction (e.g., the Originator or Receiver).

Under NACHA operating rules, all U.S. financial institutions that participate in the ACH Network must be able to utilize the IAT format.

Definition of IAT

An IAT is an ACH entry that is part of a payment transaction involving a financial agency's office that is not located in the territorial jurisdiction of the United States. An office of a financial agency is involved in the payment transaction if one or more of the following conditions are met:

  • Holds an account that is credited or debited as part of a payment transaction; or
  • Receives funds directly from a person or makes payment directly to a person as part of a payment transaction; or
  • Serves as an intermediary in the settlement of any part of a payment transaction.
IAT Defined Terms

An "inbound entry" originates in another country and is transmitted to the United States. For example, an inbound entry could be a customer's on-line purchase from an overseas vendor. An inbound entry could also be funding for a company payroll. Each subsequent IAT used for direct deposit would be an inbound IAT entry.

An "outbound entry" originates in the United States and is transmitted to another country. For example, IAT pension payments going from a U.S. ODFI to a U.S. RDFI in which the funds are then transferred to an account in another country would be outbound IAT entries.

Payment Transaction Guidance

A payment transaction is:

  • An instruction of a sender to a bank to pay, or to obtain payment of, or to cause another bank to pay or to obtain payment of, a fixed or determinate amount of money that is to be paid to, or obtained from, a Receiver, and
  • Any and all settlements, accounting entries, or disbursements that are necessary or appropriate to carry out the instruction.
Identification of IAT Parties

The NACHA operating rules define parties as part of an IAT entry:

  • Foreign Correspondent Bank: A participating depository financial institution (DFI) that holds deposits owned by other financial institutions and provides payment and other services to those financial institutions.
  • Foreign Gateway: A Gateway that acts as an entry point to or exit point from a foreign country.
Information Available Under the IAT Format

Data available to banks under the IAT format may assist banks in their OFAC, anti-money laundering, and monitoring efforts.212For convenience, this information is sometimes referred to as "Travel Rule" information, but as a technical matter the funds transfer recordkeeping and travel rules at 31 CFR 1010.410(f)) do not apply to ACH transactions and NACHA operating rules have not changed. Originator and receiver information available to banks under the IAT format include:

  • Originator name and address.
  • Receiver name and address.
  • Originator and Receiver account numbers.
  • ODFI name (inbound IAT, foreign DFI), identification number, and branch country code.
  • RDFI name (outbound IAT, foreign DFI), identification number, and branch country code.
  • Country code.
  • Currency code.
  • Foreign Exchange indicator.

Effective March 14, 2014, a Gateway must identify within an inbound IAT entry:

  • The ultimate foreign beneficiary of the funds transfer when the proceeds from a debit inbound IAT entry are "for further credit to" an ultimate foreign beneficiary that is other than the Originator of the debit IAT entry, or
  • The foreign party funding a credit inbound IAT entry when that party is not the Originator of the credit IAT entry.

Refer to www.nacha.org/c/IATIndustryInformation.cfm for more information on additional data available to banks under the new IAT format.

Third-Party Service Providers

A third-party service provider (TPSP) is an entity other than an Originator, ODFI, or RDFI that performs any functions on behalf of the Originator, the ODFI, or the RDFI with respect to the processing of ACH entries. For example, a bank may hire a TPSP to conduct ACH activities on behalf of the bank.213Third-party service provider is a generic term for any business that provides services to a bank. A third-party payment processor is a specific type of service provider that processes payments such as checks, ACH files, or credit and debit card messages or files. Refer to expanded overview section, "Third-Party Payment Processors," page 234, for additional guidance. NACHA operating rules define TPSPs and relevant subsets of TPSPs that include "Third-Party Senders" and "Sending Points."214When independent TPSPs contract with independent sales organizations or other third-party payment processors, there may be two or more layers between the ODFI and the Originator. A third-party sender is a type of service provider that acts on behalf of an Originator (i.e., an intermediary between the Originator and the ODFI). For example, a third-party sender may be a customer of the bank processing ACH transactions on behalf of an Originator. In a third-party sender arrangement, there is no contractual agreement between the ODFI and the Originator. A sending point is defined as an entity that transmits entries to an ACH Operator on behalf of an ODFI.

Risk Factors

The ACH system was designed to transfer a high volume of low-dollar domestic transactions, which pose lower BSA/AML risks. Nevertheless, the ability to send high-dollar and international transactions through the ACH may expose banks to higher BSA/AML risks. Banks without a robust BSA/AML monitoring system may be exposed to additional risk particularly when accounts are opened over the Internet without face-to-face contact.

ACH transactions that are originated through a TPSP (that is, when the Originator is not a direct customer of the ODFI) may increase BSA/AML risks, therefore making it difficult for an ODFI to underwrite and review Originator transactions for compliance with BSA/AML rules.215A bank's underwriting policy should define what information each application should contain. The depth of the review of an originator's application should match the level of risk posed by the originator. The underwriting policy should require a background check of each originator to support the validity of the business. Risks are heightened when neither the TPSP nor the ODFI performs due diligence on the companies for whom they are originating payments.

Certain ACH transactions, such as those originated through the Internet or the telephone, may be susceptible to manipulation and fraudulent use. Certain practices associated with how the banking industry processes ACH transactions may expose banks to BSA/AML risks. These practices include:

  • An ODFI authorizing a TPSP to send ACH files directly to an ACH Operator, in essence bypassing the ODFI.
  • ODFIs and RDFIs relying on each other to perform adequate due diligence on their customers.
  • Batch processing that obscures the identities of originators.
  • Lack of sharing of information on or about originators and receivers inhibits a bank's ability to appropriately assess and manage the risk associated with correspondent and ACH processing operations, monitor for suspicious activity, and screen for OFAC compliance.

Risk Mitigation

The BSA requires banks to have BSA/AML compliance programs and appropriate policies, procedures, and processes in place to monitor and identify unusual activity, including ACH transactions. Obtaining CDD information in all operations is an important mitigant of BSA/AML risk in ACH transactions. Because of the nature of ACH transactions and the reliance that ODFIs and RDFIs place on each other for OFAC reviews and other necessary due diligence information, it is essential that all parties have a strong CDD program for regular ACH customers. For relationships with TPSPs, CDD on the TPSP can be supplemented with due diligence on the principals associated with the TPSP and, as necessary, on the originators. Adequate and effective CDD policies, procedures, and processes are critical in detecting a pattern of unusual and suspicious activities because the individual ACH transactions are typically not reviewed. Equally important is an effective risk-based suspicious activity monitoring and reporting system. In cases where a bank is heavily reliant upon the TPSP, a bank may want to review the TPSP’s suspicious activity monitoring and reporting program, either through its own or an independent inspection. The ODFI may establish an agreement with the TPSP, which delineates general TPSP guidelines, such as compliance with ACH operating requirements and responsibilities and meeting other applicable state and federal regulations. Banks may need to consider controls to restrict or refuse ACH services to potential originators and receivers engaged in questionable or deceptive business practices.

ACH transactions can be used in the layering and integration stages of money laundering. Detecting unusual activity in the layering and integration stages can be a difficult task, because ACH may be used to legitimize frequent and recurring transactions. Banks should consider the layering and integration stages of money laundering when evaluating or assessing the ACH transaction risks of a particular customer.

The ODFI should be aware of IAT activity and evaluate the activity using a risk-based approach in order to ensure that suspicious activity is identified and monitored. The ODFI, if frequently involved in IATs, may develop a separate process, which may be automated, for reviewing IATs that minimizes disruption to general ACH processing, reconcilement, and settlement.

The potentially higher risk inherent in IATs should be considered in the bank's ACH policies, procedures, and processes. The bank should consider its current and potential roles and responsibilities when developing internal controls to monitor and mitigate the risk associated with IATs and to comply with the bank's suspicious activity reporting obligations.

In processing IATs, banks should consider the following:

  • Customers and transactions types and volume.
  • Third-party payment processor relationships.
  • Responsibilities, obligations, and risks of becoming a Gateway.
  • CIP, CDD, and EDD standards and practices.
  • Suspicious activity monitoring and reporting.
  • Appropriate MIS, including the potential necessity for systems upgrades or changes.
  • Processing procedures (e.g., identifying and handling IATs, resolving OFAC hits, and handling noncompliant and rejected messages).
  • Training programs for appropriate bank personnel (e.g., ACH personnel, operations, compliance audit, customer service, etc.).
  • Legal agreements, including those with customers, third-party processors, and vendors, and whether those agreements need to be upgraded or modified.

OFAC Screening

ACH transactions may involve persons or parties that are subject to the sanctions programs administered by OFAC. (Refer to core overview section, "Office of Foreign Assets Control," page 142, for additional guidance.) OFAC has clarified its interpretation of the application of its rules for domestic and cross-border ACH transactions and provided more detailed guidance on cross-border ACH.216Refer to Interpretive Note 041214-FACRL-GN-02.

With respect to domestic ACH transactions, the ODFI is responsible for verifying that the Originator is not a blocked party and making a good faith effort to ascertain that the Originator is not transmitting blocked funds. The RDFI similarly is responsible for verifying that the Receiver is not a blocked party. In this way, the ODFI and the RDFI are relying on each other for compliance with OFAC regulations.

If an ODFI receives domestic ACH transactions that its customer has already batched, the ODFI is not responsible for unbatching those transactions to ensure that no transactions violate OFAC's regulations. If an ODFI unbatches a file originally received from the Originator in order to process "on-us" transactions, that ODFI is responsible for the OFAC compliance for the on-us transactions because it is acting as both the ODFI and the RDFI for those transactions. ODFIs acting in this capacity should already know their customers for the purpose of compliance with OFAC and other regulatory requirements. For the residual unbatched transactions in the file that are not "on-us," as well as those situations where banks deal with unbatched ACH records for reasons other than to strip out the on-us transactions, banks should determine the level of their OFAC risk and develop appropriate policies, procedures, and processes to address the associated risks. Such policies might involve screening each unbatched ACH record. Similarly, banks that have relationships with TPSP should assess the nature of those relationships and their related ACH transactions to ascertain the bank's level of OFAC risk and to develop appropriate policies, procedures, and processes to mitigate that risk.

With respect to cross-border screening, similar but somewhat more stringent OFAC screening obligations hold for IATs. In the case of inbound IATs, and regardless of whether the OFAC flag in the IAT is set, an RDFI is responsible for compliance with OFAC sanctions. For outbound IATs, the ODFI should not rely on OFAC screening by an RDFI outside of the United States. In these situations, the ODFI must exercise increased diligence to ensure that illegal transactions are not processed.

Due diligence for an inbound or outbound IAT may include screening the parties to a transaction, as well as reviewing the details of the payment field information for an indication of a sanctions violation, investigating the resulting hits, if any, and ultimately blocking or rejecting the transaction, as appropriate. Refer to the core overview section, "Office of Foreign Asset Control," page 142, for additional guidance.

In guidance issued on March 10, 2009, OFAC authorized institutions in the United States when they are acting as an ODFI/Gateway for inbound IAT debits to reject transactions that appear to involve blockable property or property interests.217Refer to OFAC letter (March 10, 2009). The guidance further stated that to the extent that an ODFI/Gateway screens inbound IAT debits for possible OFAC violations prior to execution and in the course of such screening discovers a potential OFAC violation, the suspect transaction is to be removed from the batch for further investigation. If the ODFI/Gateway determines that the transaction does appear to violate OFAC regulations, the ODFI/Gateway should refuse to process the transfer. The procedure applies to transactions that would normally be blocked as well as to transactions that would normally be rejected for OFAC purposes based on the information in the payments.

Additional information on the types of retail payment systems (ACH payment systems) is available in the FFIEC Information Technology Examination Handbook's Retail Payment Systems booklet.

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Pre-trade data demand grows and platform concentration weakens

The 5th Annual Trading Intentions Survey sees a hunger for data and a surge in new liquidity tools. Key takeaways: •          Massive growth for crossing / mid-point...

Fixed Income Leaders : The DESK

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Trading Intentions Survey 2018

Greater dependence vs reduced choice The pipeline of growth is returning after MiFID II, with reliance on specific platforms increasing. In 2017 the appetite for onboarding...

MiFID II: New dealer economics

Explicit commission payments and a tabloid-style of attention-grabbing research are on the cards under MiFID II, as it reinvents investment economics in fixed income. No-one...

MTS BondVision and B2SCAN: Tackling the liquidity challenge head-on

MTS BondVision and B2SCAN are partnering to streamline the process of execution in corporate bonds. By combining liquidity discovery with order matching, the trading...


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Monday, May 1, 2017

Ghosts in her Head by Maryangel Mendoza Chapman

Maryangel Mendoza Chapman's characters are chased by dark dreams.

There are ghosts in my head. There are ghosts in my head.

I wake up and cannot see. My eyes have been ripped out! No, wait... I can feel them; it is just too dark to see anything.

A piercing siren vibrates inside my head, bouncing around and causing my thoughts to scramble. I can't think with this noise. Woooop-woooop-woooop. The sound is mechanical and sinister in its regularity. I stumble out of the bed and scream. The floor is not there. It's a mossy bog and I slip through the top until I'm thigh-high in cold, slimy bog water. I can feel the moist green growth even though I see nothing. I pull myself to the edge and feel the cold pane glass that must be my window. I have to escape.

Once I am outside it is no longer blindingly dark. Fog covers the landscape casting cars and houses into shadows. Fog so thick anyone could be hiding in it, ready to pounce. The siren abruptly stops and is instantly replaced by the hiss of flames licking dry timber. I spin around wildly in circles. Once, twice, three spins. Nothing is on fire but the sound follows me every way I turn.

I am in a field, my bare feet cold against the black soil. My thick cotton nightgown so carefully pressed this morning is now disheveled and speckled with mud and moss. I run. My long copper hair flaps behind me in the wind, as wild and reckless as my running. Rows and rows of corn stalks bend towards me. They sneer at me, judging me. They snicker. Their cackle is echoed by the flock of crows that swoop up out of the ground under my feet. I move to cover my eyes with both my hands but my hands are gone. My wrists end in stumps. I stare at the place my hands used to be. Hands I knew so well. Short and thin fingers, knuckles slightly gnarled from constant cracking. Blue prominent veins on the papery white skin, all of it now gone. They did this to me, I think.

Suddenly, I am standing on a giant yin yang. The black sinuous line curving, large as a driveway in front of me. I haltingly take a few steps and then begin to run. Round and round I run inwards, soon I am dizzy and the world starts spinning. It never stops. I fall asleep. There are ghosts in my head. There are ghosts in my head.

Years later, or maybe it's only a few moments later, I am hiding in a room of floor-length mirrors. They are out there, hidden in the shadows from glass reflections. I can hear them; they make the sound of a hundred children laughing. They scream and taunt me, hungry for revenge. I crawl slowly around the corner of one mirror and stop. My reflection is not in any of the tall frames all around me. I'm not really here, I realize and a cold sweat breaks out over my neck.

There are ghosts in my head, there are ghosts in my head.

I hit my temple with the palm of my hand must get them out, must get them out. Ghosts, ghosts, ghosts. But the Cheshire cat only smiles his wicked smile and remains on the tree branch. I follow the arrows. Signs say This way, That way and I can't find my way.

Now I am stumbling down a paved road, my toes muddy and frozen. I run and run and run and I go nowhere. I look down and see that my ankles are chained to a sewer drain. The ground starts to bubble and warp under my toes. The movement throws me this way and that, and I just want this to stop. I am so weary. I am tired of being hunted and haunted. But there is never respite before it starts again.

The asphalt turns to tar. It's burning me alive! I see the red-hot blisters pop up on my feet and feel the fire spread up my legs, now up my back and shoulders and up to my throat. It's suffocating me and the ghosts are winning. They squeal triumphantly as they fly around me faster and faster, closer and closer. I can't close my eyes. They are stapled open. I feel the metal prongs that dig into the soft flesh of my eye socket. A crow swoops down and sits on my face. It looks deep into my eyes. Beady black eye staring into slanted grey eye. Slowly he begins to peck at an eye I cannot close. I just want this to end. I just want this to end.

A doctor pulls back her clenched eyelid. Shines a light she can't see. He clicks off the flashlight and makes an annotation on the chart. "Her pupils are non-responsive," he says, "but she's breathing on her own, and that's a good sign. We'll have her on IV to keep her fluids up and will monitor her overnight. We've ordered some tests - blood, Cat scan - and we should know more in the morning."

He turns to the ashen-looking man - the woman's husband - at the bedside and offers a reassuring smile.

"Trust me, this is not so uncommon with head injuries. It's amazing she didn't do more damage. People who fall down that many flights of stairs aren't often this lucky."

He pauses briefly to blow on his coffee and takes a sip; it's gone cold.

"Any idea why she was on the fire escape so late at night?"

The man shakes his head woodenly.

"In any case," the doctor resumes, "the police will have to file a report and will need your statement."

"I've given my statement," the man intones gravely.

"Well then, you might as well get home for a proper night's sleep. She's perfectly safe here and will have nurses checking on her around the clock."

The man flinches at the mention of sleep but doesn't comment.

The doctor watches him leave and turns back to the hospital bed taking in his patient. She is plain but with full, luxurious, red hair that curls slightly at the ends. Her complexion is dotted with freckles and sunspots yet she is white as a ghost. Her lips are cracked and lined betraying her 40 years of life. "20 flights of industrial-strength iron stairs," he thinks to himself, shaking his head in disbelief, "and not a broken bone in her body." He puts the chart back at the foot of the bed and walks out, whistling as he goes.

Her husband takes the stairs to her bedroom, his slow footsteps heavy on each step. He stands at the open door taking in her room. Grey-blue walls, large white bed atop a green rug. Alice in Wonderland lays on the nightstand, open and facedown, spine cracked. Her yin yang poster takes up one entire wall. It's slightly off-centre and he adjusts it. He lies down on the shag carpet next to her bed, nose pressed to the ground. He breathes in the smell of talcum powder. He smiles remembering the day he pointed out this rug at the furniture store. She had said it looked like moss on a bog, yet had bought it nonetheless. He never did understand her, not even then. He sighs from deep inside his heart and stands up. He notices erratic fingerprints on all three of the connected mirrors of her vanity table. A chill runs down his back. She is not well; he can deny it no longer. Quirky is one thing, but this is something deeper, darker. He pulls the crow motif drapes down over her balcony door, walks purposely out of the room and closes the door firmly behind him. He doesn't want the ghosts in the room to follow him downstairs.

  1. A great shudder-fest - the atmosphere is compellingly evoked and the disorientation of the protagonist is infectious. Well done, Ceinwen

  2. you really do feel her fear and confusion. brilliantly descriptive and a first class ending.
    Mike McC

  3. I was hooked right away!! Great piece!

  4. The division between what passes for reality and others worlds was broken.

  5. could feel the tension building lien by line. Great tempo and beautifully narrated. thanks!

  6. A rich offering of images and questions. Great pace and tension. Thank you for a mind boggling read.

  7. Excellent psychological horror story. Well done.


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FIFA Confederations Cup

Bravo the hero as Chile advance after penalties

  • Chile advance to Confederations Cup final for first time
  • Captain Claudio Bravo saves all three of Portugal's penalty kicks
  • Relive: As it happened, stats and more

Chile advanced to the FIFA Confederations Cup Russia 2017 final with a dramatic 3-0 victory over Portugal on penalties after their semi-final clash ended goalless in front of 40,855 fans at the Kazan Arena.

Following an enthralling 120 minutes that saw both sides produce genuine chances and Chile hit the post and crossbar in quick succession, the match went to penalty kicks. In contrast to a semi-final that was closely fought, the spot-kicks were lopsided.

Chile goalkeeper and captain Claudio Bravo saved all three of Portugal's penalties, while his team-mates Arturo Vidal, Charles Aranguiz and Alexis Sanchez all converted their spot-kicks to send Chile to the final in Saint Petersburg on Sunday 2 July.

* team reporter analysis *"Portugal will look back at this and think about their missed chances in the first half. Ultimately though, Chile had the cleanest chance to end this in the second half, only to hit the crossbar and post consecutively, so perhaps it’s fair to see them go through. Questions will be asked as to why Bernardo Silva was brought off, as he was the protagonist in so many of Portugal’s first-half attacks. In the end, Bravo has to be applauded for a phenomenal display of penalty stopping. Heartbreaking for the Portuguese, but a good performance throughout the game."
Marco Monteiro, Portugal team reporter

"Chile played the game they needed to play to give themselves the best chance to be in the final. It was not a team that tried to outplay Portugal as such, but one that controlled the pace and looked for the right moments to strike. They were able to manage their energy and, most importantly, to shut Portugal down."
Diego Zandrino, Chile team reporter

Budweiser Man of the Match
Chile goalkeeper *Claudio Bravo *was the hero on the night for the Copa America champions. The Manchester City man saved Ricardo Quaresma, Joao Moutinho and Nani's penalties to see *La Roja *advance to a first-ever FIFA final.

* The stat*
11 This was the 11th match in Confederations Cup history to go to extra time. In the previous ten, five were decided by a penalty shoot-out.* *

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FIFA Confederations Cup

Portugal 0-0 Chile (0-3 PSO) (Russia 2017)

28 Jun 2017


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Police release new footage from super-camera that can catch law-breakers 1km away
Police release new footage from super-camera that can catch law-breakers 1km away

Videos showing motorists caught in the act of dangerous driving have been released by traffic police after they revealed their new weapon in the fight against crime.

Their latest way of trying to prevent motoring offences such as driving while holding a mobile phone, has seen them using a new long-range camera.

The latest footage released by the force shows a white Ford Transit van driving dangerously close to the car in front – a practice known as tailgating.

Read more: New giant speed camera can catch people 1km away and is clear enough to identify the driver

The practice of driving too close to the back of other vehicles is one that the police are trying to stop as Highways England figures have shown that the aggressive habit is responsible for one in eight road casualties.

The vehicles was caught on the the A417 in Gloucestershire by a new camera dubbed â€œThe Long Rangerâ€.

The camera is powerful and clear enough to be able to spot motoring offences up to 1km away and produce photos clear enough to identify the driver.

PC Sean Graham with the new long-range camera at the A417. Picture: SWNS

It can be moved around to catch offenders in the act on any road.

It comes as the police have released figures showing that the new camera is making an impact.

Read more:Â Millions would risk an accident to teach tailgaters a lesson

In less than a month since it was deployed, well over 1,000 speeding offences have been recorded with the worst offender clocked at 126mph.

Tailgating, use of a mobile phone, vehicle plate offences and failure to use a seatbelt are among the other offences recorded.

But it has not only been about enforcement. Gloucestershire Police have been on hand to give assistance to 10 drivers who broke down and another 10 who needed help

The operation is centred on the A417/419 which carrying up to 35,000 vehicles a day which links Gloucestershire with neighbouring Wiltshire and is a pathway between the M4 and M5 motorways. It also has one of the worst accident records.

£10m of uninsured cars saved from the crusher in one month

Councils make £100m a year from number-plate recognition cameras - here’s where you’re most likely to be fined

Police warn motorists not to wear lanyards while driving in case of a crash

Jaguar Land Rover wins court dispute over Chinese 'Evoque rip-off'


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Support for Business

Pro-Active Apple Mac Support solution to cover every aspect of your Business IT infrastructure.
From day to day support services, consultancy, installations and deployment.

Lets us manage your Help Desk for your employees, we can even go an extra mile and become part of your company with branded email account and your company signature.

To take full advantage and benefit our Pro-Active Support, we work with our Business clients on a monthly basis. Our software systematically detects potential issues and reports them to our control Panel before they impact your end users.

If you are a business owner and you would like to learn more about our products and solutions, please contact us on +44 (0) 208 168 5000 or drop us an email to and we'll get back to you as soon as possible.

Why you should work with us?

Almost every business is using some type of technology devices these days. Most of them rely on PCs, Macs, iPhones and many other devices to keep running from day-to-day. We can provide cost-effective, dedicated support for your business to ensure it keeps operating efficiently and using the latest tools for maximum productivity.

Friendly and personable

We have great relationship with our Customers. This makes us unique.

Flexible Payment Plan

Flexible Payment options, Card Payment, Apple Pay, BACS, or Online.

£0 Call-Out Fee

No call-out Fee for clients in our local area. Please ask for more details.

Rapid Response

Our aim is to solve and response to all incidents as soon as possible.

Up-to-date Knowledge

Our Technicians are Apple, CompTIA A+ and Google G Suite Certified.

Complete Support

Everything your business need, in one convenient place.

Pro-Active Support

We offer ongoing support to maintain your business critical Mac systems with proactive support for the Apple platform. That can include hardware health checks, rollout and deployment, with devices management.

Management & Deployment

Using Jamf Pro with its highly-effective dashboard, We can help your business monitor all Apple devices, deploy and enroll them, manage what apps can be used on them and monitor them for safety and security.

Technology Partners

We use the best technology in the world. Shouldn’t you?

We regularly perform a marketplace analysis on your behalf to save you time and ensure that you’re using the latest, most efficient technology available.

Our philosophy is to implement and support only proven, best-in-class technologies.

Here are a few of our trusted technology partners.

5 5 1
Took Rafal 5 minutes to identify the problem and 24 hours later my computer is like new.. Highly recommended.


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Call Fill Dirt Quote Now!

Simply give us a call for the best Fill Dirt price available!

Looking for a little more Fill Dirt info, tips and tricks, and best practices? Click a tab above!

Check back regularly here for Fill Dirt and home improvement tips and tricks to make sure you get the most out of your next Fill Dirt!

Learn what should be expected

With respect to Fill Dirt in Cleo Springs, OK, you've got to be knowledgeable to come up with the very best judgments. You should not go in blindly, and it's good to know what to anticipate. That's why we try to make every effort to make sure you learn the strategy and are not faced with any sort of unexpected surprises. Start out by contacting 888-263-7702 to talk about your work. Within this call, you're going to get your concerns resolved, and we're going to schedule a time to start work. We are going to work together with you through the entire project, and our staff is going to show up promptly and ready.

Pick Fill Dirt Local Experts for Fill Dirt in Cleo Springs, Wyoming

Many good reasons exist to decide on Fill Dirt Local Experts regarding Fill Dirt in Cleo Springs, OK. Our equipment are of the very best quality, our money saving techniques are helpful and efficient, and our customer satisfaction ratings are unparalleled. We have got the experience that you need to meet all your goals. Contact 888-263-7702 to communicate with Fill Dirt Local Experts and review all of your needs regarding Fill Dirt in Cleo Springs.

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Reserve parking in advance and save money!

The demolition of parking hall has begun

The work will cause some noise as well as occasional traffic stops on Terminaalitie.

Parking changes in January

Parking halls P1 and P2 will be closed permanently on January 7th 2019. The demolition begins on January 15th 2019. Where to park in the future and what to do if I parked my car in P1/P2?

Car wash

Now you can leave your car for parking with us and pick it up freshly cleaned !

Premium Lane

Buy Premium Lane security check access with parking reservation

Parking areas and prices

See map and prices without advance reservation

Parking areas at Helsinki Airport

Information on parking halls and areas at Helsinki Airport.

Parking space availability

Please note that spot availability may change rapidly. Check the situation by using your mobile device or see the displays at the airport.

Free parking bus

Our parking prices include a free transportation between the parking areas and the airport terminals. The Finavia Parking Bus provides transportation to the parking areas about every 15 minutes from 3:30 a.m. – 1:30 a.m.

On the night between Saturday and Sunday, the bus runs 24/7.The stops are located in front of parking areas, at platform 10 at Terminal 1, and at platform 21 at Terminal 2.

Driving instructions and map to Helsinki Airport

Travel tips
Use my current location
Add your location above to get the driving instructions.

Driving instructions


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Find A Better Way Announces Launch of Pioneering Regenerative Medicine Proposal at Gala Dinner

Manchester United and England football star, Sir Bobby Charlton CBE, was joined by one hundred and sixty guests including HRH Prince Ali Bin Al Hussein, warzone photographer and triple amputee Giles Duley, Invictus Gold Medallist, David Henson, Dutch soccer legend Edgar Davids  and FIA Formula E world championship motor racing driver Katherine Legge for a star studded gala dinner to support Sir Bobby’s landmine charity, Find a Better Way on Thursday 23rd October.

Business leaders from across the city joined leading medical researchers and the charity’s supporters and trustees at The Rosewood Hotel, High Holborn. On the night the charity unveiled a pioneering 20 year humanitarian research proposal in conjunction with Imperial College and Georgia Tech, which aims to provide the re-engineering of biological replacement limbs.

High profile guests including corporate sponsors and supporters such as AIG, AON and XL heard  from the charity’s key spokespeople about its latest ambitious fundraising project which sets out to transform the lives of those living with the devastating effects of landmine trauma.

Commenting, Sir Bobby Charlton; “Tonight was about saying thank you to our loyal friends who continue to support the charity and its work, to hear the stories of those living with the devastation of limb loss and to showcase our ground breaking research programme that will improve the lives of thousands. I am very proud of the work we have done so far and how the charity continues to go from strength to strength.”


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Heading 8543

Electrical machines and apparatus, having individual functions, not specified or included elsewhere in this chapter

This page lists the goods of heading 8543 in a special class structure so that the user is shown how interrelated and other similar goods are classified within the HS Code System. This is one the most important and innovative novelty of the FindHS.Codes PLUS system.

Please select one of the class of goods listed on the left hand side of the screen to learn more and use the system.


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Home Venues Offers
Venue Categories

IET London: Savoy Place

Savoy Place, Westminster, London, WC2R 0BL Show on Map Add to shortlist
Click to call 020 7344 5479 Click to email savoyplace@ietvenues.co.uk Make an enquiry Send to a Friend
By continuing to browse or by clicking "Accept All Cookies" you agree to the storing of first and third party cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. Find out more about what cookies we use.


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Solid Wood Round Lamp Table by Hekman Furniture

Compare At: $939
You save: $310 (33%)
Item Number: RGK989119
Questions? Call 1.888.719.4960
  • Features
    • Constructed of mahogany solids
    • Ribbon striped mahogany veneer
    • Beautiful Metropolis finish
    • Ships fully assembled

    Product Details

    Brand: Hekman Furniture
    Collection(s): Metropolis
    Mfg #: 704040067

    Overall: 28-1/2 in W x 28-1/2 in D x 24 in H

    Veneer, Wood

  • Description

    Hekman Metropolis Collection Round Lamp Table is constructed of mahogany solids with a ribbon striped mahogany veneer in a beautiful Metropolis finish.

    Table measures 28-1/2"W x 28-1/2"D x 24"H.

    Ships fully assembled.

  • Shipping

    Free Shipping

    Ships Within: 1 to 2 Weeks

    Estimated Delivery Dates

    If ordered today, we estimate this item will arrive between 4/8/2019 and 4/15/2019.

    Delivery Method: Assisted Truck Delivery

    Large, fragile or heavier items requiring special handling will deliver via a national furniture delivery service. The delivery service will call before the delivery to arrange a day and approximate time of delivery. Your item(s) will be removed from the truck and brought inside over-the-threshold. A signature will be required. The date range indicated on your order confirmation will allow up to 2 weeks for transit time from date of shipment.


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1985 BMW 524td Tires

Compare 1985 BMW 524td tire sizes, prices & brands

At your local Firestone Complete Auto Care, you'll find the best 1985 BMW 524td tires at a great price. Explore our extensive catalog of 1985 524td tires and shop by tire price, size, type, or brand. Whether you want a tire that's built for speed, diverse terrain, or fuel-efficiency, you'll find the right tires for your vehicle and budget. Conveniently shop online and schedule an appointment with one of our certified technicians today! We're open late and on weekends to accommodate your schedule.

Find Store

Find a Different Location

Stores Near You


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Jammu on flood alert after heavy rainfall, one dead

Jammu: Flood alert has been sounded in Jammu following heavy rain in which one person was killed even as rivers continued to flow above the danger mark.

"Due to heavy rainfall, the are flash floods in the rivers in the region. Alert has been sounded," Deputy Commissioner Jammu, Simrandeep Singh said.

Jammu on flood alert after heavy rainfall, one dead

Representational image.

The river Tawi is flowing at a danger level of 18-feet and river Chenab is flowing 33-feet above alert level, he said.

Several areas have been inundated due to heavy rains which are still continuing in the state.

There are reports of house collapse from various places in Jammu.

An 85-year-old Fatay Chand was killed in house collapse at Parladpur in Mandal belt of Jammu, the DC said.

Most parts of Jammu city have been without electricity for several hours following which people in Hazuribagh, Bohri, Muthi and Bantalab areas came out in protest.

"The Canal road grid and Janipur Grid have developed some snag due to which electricity supply has snapped," Chief Engineer Ashwani Kumar said.

Firstpost is now on WhatsApp. For the latest analysis, commentary and news updates, sign up for our WhatsApp services. Just go to Firstpost.com/Whatsapp and hit the Subscribe button.

Updated Date: Aug 07, 2016 17:04:19 IST

Also See


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Before you leave the office for Christmas . . .

5 December 2010 10:00
. . . don't let your break be a distant memory when you return next year

Before you head off on your Christmas break, here's a couple of handy hints so you don't dread that return to the office.

These will pile up on you.  There's no escaping that.  So plan now how you'll handle them when you get back.

Your last task will be to put on your "Out Of Office" reply on.  Give your return date as the day after you get back to allow yourself a day to get organised.

There will be 4 types of e-mails waiting for you when you get back.  Those that need doing, those that you can delete, those that can be deferred and those that you can delegate.  These are the "4 D's".  Hopefully there will be those that fall into a 5th D though - the fun ones that you can distribute (know your IT security policy before attempting this one!).

With those that need doing or you can defer to later, use a system to plan when you'll do them.  If you'd like to use First Train's "Electronic Bring Forward System", then simply rely to this e-mail and we'll send you the instructions.

As we say at First Train, if you plan for the expected, you'll be prepared for the unexpected.  We don't like surprises after a relaxing holiday and this is how we achieve it.

Next Year
There's been a lot in the press about happiness this year.  We'll kick off the first newsletter of next year looking at whether happiness is important for your workforce.  We'll be back from the 10th January, so keep an eye out for it.

#Ding dong, merrily on high#

All that remains for me to do is to thank you for your continued support this year.  And to wish you a very Merry Chirstmas and a fun filled New Year.

Seasons wishes

                 Christopher Brooks
               Leadership Developer
                  First Train Pty Ltd

- Turning People Into Successful Leaders -
                  Tel: 02 9565 4180
                  Mob: 0405 784071
         E-mail: [email protected]

COPYRIGHT:  All material presented in this correspondence is protected under copyright by © First Train Pty. Ltd.

Think B4U print: 1 ream of paper = 6% of a tree and 5.4kg CO2 in the atmosphere; 3 sheets of A4 paper = 1 litre of water

IMPORTANT: This e-mail and any files transmitted with it, are confidential and may contain privileged information. It is intended solely for the use of the individual, or entity to whom it is addressed.  If you are not the addressee it may be unlawful for you to read, copy, distribute, disclose, or otherwise use the information in this e-mail.  If you are not the intended recipient please notify [email protected]

Our Clients

We love working with a wide variety of clients to help develop, train and build.

Robert Green Legal


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Fit 4 Consumption - Personalised Nutrition & Exercise
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Mum's & Bubs Group Exercise

Are you pregnant?
Do you have a child?
Then Mum's & Bubs is for YOU!

I run a weekly group exercise class on a Tuesday at 10-11am for pregnant and postnatal mothers to come along and bring their child/children.  You don't need to find child care to fit in your own exercise and they instead get to join in the fun.

I am qualified with specialized training in pregnancy and postnatal bodies so that all exercises are safe and appropriate for your situation.  Sign up for a 6 week block or enroll on a casual basis.  Get in touch if you would like any further details.

Sheena Thompson
Nutritionist and Personal Trainer
Pregnancy Certified
Fit 4 Consumption
Hamilton, Morrinsville, Cambridge

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Gallbladder problems and food intake & Exercise.....

Hi fitness blender family, how are you guys doing??? Well I’m doing okay, better today,

I took some days off from exercise. I completed fb bored easily and I really liked it. I’m thinkin of just free styling for the next 2-3 weeks.

I was diagnosed with gallstones and high chances are I will need laparoscopic surgery.

Im nervous about the whole situation, I’m having to change eating habits, in which I was not doing to bad. I’m reading online what foods can trigger an attack, carbs, fats....being a big ones.

Im concern about what kind do to eat. We’re all pizza lovers and I have to stay away from pizza.

Another huge concern is about exercise after surgery!!! I don’t know when I’ll be able to return to exercise..... that’s why I’m going to free style until after surgery bc I don’t want to start a new work out plan and then having to reschedule.

Please comment below if this has ever happen to you!! And how was your experience.. thank you!!!!


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 Chestnut :: Five Acres Animal Shelter

Meet Chestnut

Pet Details

  • Age: 11/01/2010
  • Breed: Havana Brown
  • Sex: Female
  • Size: Small

About Chestnut

Meet Chestnut. She is the prettiest girl here. She is 8 years old, but acts more like a kitten. She loves to run around the shelter with her best friend Beaver. They are looking for a forever home to go to together.

I am neutered, up to date on vaccines and microchipped.


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Home » Plastic Surgery Financing

Plastic Surgery Financing

Do not let the high costs of cosmetic surgery stop you from looking your best. With financing options designed to make your cosmetic procedures work within your budget, money is no longer a barrier. Through CareCredit®, Flannagan Plastic Surgery offers financing options to their patients. We also accept cash, personal checks, and most major credits cards.

The costs of your procedure will be discussed during your consultation. Your quoted fees include the following:

  • Surgeon’s Fee
  • Anesthesia Fee
  • Operating Room and Nursing Fees
  • Equipment and Surgical Supplies
  • Implants (if necessary) and
  • Office Visits

Please note that the costs of prescriptions are not included in the fees.

CareCredit® for Cosmetic Procedures

Affordability is the main reason why people do not undergo the cosmetic procedure they long to get. CareCredit® helps people finance their beauty and health treatments. You can now feel confident that you can afford the cosmetic procedure you desire. CareCredit® offers convenient, monthly payment options. Other benefits of CareCredit® include no prepayment penalties and no annual fees.

It’s Better Than a Credit Card

You use CareCredit® the same way you would a credit card, but it only covers your healthcare costs. The card allows you to make monthly payments to cover the cost of multiple procedures as well as our Medspa services. CareCredit® lets you achieve your health and beauty goals.

With CareCredit® you get:

  • Interest-free financing is available, or you have the opportunity to get extended payment options to fit within your budget.
  • Low, monthly payments
  • No pre-payment penalties, upfront fees or annual costs.

Contact us for additional information.

Flannagan Plastic Surgery Flannagan Plastic Surgery