Bitcoin Gambling Fundamentals Explained
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Hidden Lake Condominium HOA
Accounting & Clubhouse rentals: Our property manager is FCS. firstname.lastname@example.org 801 905-1057
Maintenance: 801-262-6606 EMERGENCY (only) 801 590-9474
Lender Condo Certs: http://fcs.homewisedocs.com/
Mortgage Companies: Request Insurance Cert on contact form below. Include all of the following in your request: Mortgagee clause, Loan #, Owner’s name & Address
A fax or email where to send the certificate.
Owners' mortgage companies occasionally request a copy of our master policy. In this case, ask your mortgage company to go to our website.
Mailing address: Hidden Lake HOA, 4673 Black Swan Dr., Millcreek, UT 84117
SEE MY ACCOUNT above for mailing payment's address
PAY HOA DUES: Click on MY ACCOUNT above
Board President Corey Payne 801-205-4990 email: email@example.com
Your information is confidential for the use of Hidden Lake Condominiums only.


Alternatively, it can be viewed at the Kindergarten. It should be read carefully to understand how fees are set and collected and the implications of non-payment of fees. Fee payment agreements fully set out your responsibilities around fee payment and are signed by all parents at the beginning of the year.
Fees for the upcoming year will be invoiced and payable in November of the prior year to commencement. If timely payment is causing difficulty, please contact our bookkeeper on 0402 222 350 or the President.
Three Year Old Groups are not funded by the State Government and therefore the fees set need to cover the total operating expenses.
The Victorian Government subsidises the cost of a kindergarten providing a minimum of 15 hours (for eligible 4 year old children) per week. Each kindergarten will also charge a fee to parents to cover the gap between the funding provided by government and the cost of providing the service. Each child is eligible for this subsidy for one funded year.
A rebate on fees is available to Health Care Card Holders.


In order to qualify as a “non-habitual resident”, a Portuguese national or a foreign individual must become a tax resident of Portugal (i.e. spend >182 days/year or else have a place of abode as at December 31st) after not having been taxed in this country during at least the previous 5 years.
Recognition of this status is not automatic and is granted for a period of 10 years upon successful application to the Portuguese tax authorities up until March 31st of the year following that in which Portuguese residence was taken up.
It should be noted that although the individual must be a resident in Portugal when he/she submits the application, there is no minimum stay requirement afterwards and it is even possible to stop being a Portuguese tax resident for one or more of the 10 years without losing the non habitual resident status.
The application formalities have recently been considerably simplified and all that is now required is the filing of a statement to the effect that the applicant was not resident for tax purposes in Portugal during the 5 years preceding the arrival in in the country. Only in the event the tax authorities have doubts concerning the truth of what is stated will they request additional documentation, which may include a tax residence certificate from the previous country and a document proving that the vital and economic interests of the applicant were centred in another country during the previous 5 years.
Qualifying applicants are skilled professionals, entrepreneurs and investors, as per an official list of occupations, as well as recipients of occupational pensions.
Under this regime, the following taxation rules apply:
One interesting feature of this regime is that many double taxation treaties grant the power to tax income to the country of residence of the taxpayer, which means that in practice some types of income will in many cases be zero taxed in the hands of the “non-habitual resident”. One notable exception is the pensions of retired civil servants, which under most tax treaties are taxed by the source country regardless of the recipient’s country of residence.


UYOSHUR’s organization structure comprises of the General Assembly (GA) members that meets regularly to review and approve policies and programs; the Board of Directors (BOD) who meet quarterly to review programs, financial and administrative practices and to review policies and provide oversight support to the management and as well as make appropriate recommendations to the GA.
The Board of Directors and management hold a joint retreat every year to reflect on the annual strengths, weaknesses, opportunities and threats. The management oversees the day to day implementation of the programs and holds monthly meetings and provides quarterly reports to the BOD.
The Board of Directors
The Board of Directors meets quarterly to review organizational progress and are elected by the General Assembly every three years for a maximum of two terms in office.
The current Board of Directors comprises of qualified, experienced and technical members in program development, monitoring and evaluation and financial monitoring.
The management of UYSHR is comprised of 5 members who oversee the day to day implementation of the programs on behalf of the Board of Directors.


March 11th, 2011
One of the most important rules to follow when playing online casino games such as penny slots is to manage their money as well as their time. When players learn to manipulate these key elements to their advantage they will start having a better time without so many money and time restrictions.
Learning to figure out how much one can spend or risk at an online casino game is crucial. Whether you’re the type of player trying to make money or simply pass the time, it is important to remember that most of all these games offer a great deal of entertainment and that even though it is fun to think that one would cash in great deals of cash, this will not happen all of the time. Therefore, it’s smart to have a set bankroll for your favorite games and it could be a weekly or monthly thing. However, players should be on top of it and never exceed the set amount. A great deal of online casino players who fail to manage their money correctly will accept that it hasn’t been beneficial for their gameplay.
Figuring out how to manage your time at the tables or online slot machines is also a very important element to have under control. Players must keep in mind that the longer the time the spend playing another hand or spinning the slots a few times more, the more money they will be spending, even if it’s just a simple penny slot machine. There are plenty of players who start off hot and win the first few games and as minutes go by they start losing and continue to bet thinking they can win back what the just lost. Players need to budget their time as well as their money. When they learn how to do this and really learn how to play the games correctly, players will enjoy the games much more and come back to their favorite online casinos on a regular basis.


“I could not be more pleased that my Pro Football Hall of Fame Commemorative Coin Act passed in the House with such overwhelming bi-partisan support, and I thank the 294 Members who co-sponsored the bill,” said Renacci. “Professional football remains America’s most popular sport, and the Hall of Fame is truly the place to go if you want to revel in its rich history. The Hall will now have the ability to further expand their already impressive collection, preserving the story of this great game for future generations. The Coin Act will also allow the Hall to continue its many and varied programs that benefit children and our community. The bill’s passage is fantastic news for the Pro Football Hall of Fame and for Canton.”
“My thanks to Congressman Renacci and his colleagues in the House of Representatives for passage of the Coin Act,” said Veras. “The 2016 Coin supports the Hall’s mission to preserve professional football’s historic documents and artifacts and educate the public regarding the origin, development and growth of professional football as an important part of American culture. This will enable us to better serve the millions of fans for whom football is a daily part of their lives.”
If signed into law, the legislation would authorize the Treasury to issue up to 50,000 $5 gold coins, 400,000 $1 silver coins and 750,000 half dollar coins honoring the 50th anniversary of the Pro Football Hall of Fame and Museum. There is no cost to taxpayers associated with this bill, as a portion of the proceeds will cover the cost of producing the coins. The coins will be minted for one year beginning Jan. 1, 2016. The bill now awaits a vote in the U.S. Senate.
Renacci is serving his first term in the U.S. House of Representatives, where he is a member of the Financial Services Committee. Prior to his election he worked as a certified public accountant in the health care industry, and owned and operated more than 60 other businesses in the automotive and sports management fields.
Published: August 2, 2012


The Harrison High School Fencing Club is a recreational and competitive organization that is open to all Harrison students. HHSFC is dedicated to promoting the sport of Olympic fencing. We are supported by a volunteer organization, the Tria Gladius Fencing Foundation [a pending 501(c)3 nonprofit organization]. Your donations allow us to create more opportunities for high school students to participate in our programs. Please donate today!
If you prefer not to make your gift electronically via Dwolla, you may mail gifts to:
Tria Gladius Fencing Foundation
℅ Schoolhouse Partners
1281 Win Hentschel Blvd.
West Lafayette, IN 47906
On the memo line of your check, please write “Fencing Club” to indicate that your gift is intended for the Harrison High School Fencing Club.
You may also call 765-421-1025 to speak with Coach Schafer regarding your gift.
What is Dwolla and why should I use it?
Dwolla is an online payment system similar to PayPal that moves money from your bank account to ours, keeping the credit card companies out of the equation.
Why use Dwolla?
With the cost of many things on the rise, as a nonprofit organization we are always trying to find ways to cut costs in order to continue offering our programs. One of our bigger expenses is credit card fees, and since we are not terribly fond of credit card companies, we don’t feel any guilt eliminating them from our lives. Dwolla only charges us $.25 per transaction, saving us money so we can keep our programs free to our students.
Do I need an account?
No, you can check out as a guest and use your bank routing number to transfer funds. In terms of time, it takes about the same amount of time to pay as a guest as it would to create an account, so if you ever plan on using their service again, it’s best to create an account.


The Fourth District Court of Appeal reversed a jury verdict for an insured in an action on a homeowner’s insurance policy in Citizens Prop. Ins. Co. v. Mendoza (Fla. 4th DCA Jul. 5, 2018). The insured sued his insurer for breach of contract arising from a water heater leak. The insurer denied the claim, arguing that coverage was excluded under an exclusion for constant or repeated seepage or leakage of water.
The trial court erred by improperly instructing the jury about the insurer’s duty to adjust the claim. This instruction improperly “transformed the case into a referendum on the quality of the adjuster’s performance,” instead of requiring the jury to decide the factual issue of whether the loss was excluded under the policy.
The jury instructions and closing arguments focused on whether the insurance adjuster properly investigated the loss, rather than the facts of the loss. Thus, the jury could have decided the case against the insurer because it felt the adjuster did not “do a good job” adjusting the loss, regardless of whether the incident fell within the policy exclusion.
Such arguments are improper in a breach of contract case, where the jury’s focus must be on whether the facts of the loss required payment from the insurer under the language of the policy. Allegations that the insurance company failed to properly adjust a claim must be made in a separate action for bad faith. In a breach of contract action, an insured can criticize an adjuster’s conclusions, but cannot argue that the adjuster breached a duty or obligation to them. Thus, even “if an adjuster makes a mockery of the code of ethics, but the insurance company correctly denies a claim, there is no action for breach of contract.”
The Fourth DCA therefore ordered a new trial on the breach of contract action.


Congregational Meeting - April 11, 10:00 am
April 11, 2021 10:00am
Knox Session has called a Congregational Meeting to be held at 10:00 am on Sunday, April 11, 2021 for the purpose of approving the refinancing of the mortgage wth Bank of the West. You can join us by attending the service in person on April 11 (registration required online) and staying for this short meeting or by signing up below to be part of the meeting via Zoom. The Zoom link will be sent Friday afternoon prior to the meeting.


-A client’s current spending was $2,200 per month with the incumbent carrier. After a complete audit we were able to save them $1,200 per month, keep them on their current carrier and consolidate their 5 locations in 3 states. One point of contact for service and billing and saving $43,000 every 3 years.
-A nationwide healthcare firm has hundreds of locations, 48 different telecom carriers and an incredibly convoluted account payable structure because the carriers directly simply can’t provide the raw billing data they need to communicate with their AR software. We were able to consolidate all locations into one billing platform, customize the data to dump directly in their AR system and save them over $450,000 per year on the commodity alone. This savings does not factor the hundreds of man hours that are saved due to the AR integration. Their accounts are monitored real time online and they have complete control of their telecommunications for the very 1st time.
-A 8 location real estate firm had 10 carriers for local/internet/cellular/data. They struggled to add/delete account codes as well as integrate cellular phones. They had to put in the order via fax or email to the respective carriers and had to make multiple calls every week, which often wasted valuable time. We consolidated their 10 carriers on one billing platform, gave them a single point of contact and they now enter those changes online in less than one minute and they take effect immediately. In addition to the time savings we are saving them thousands of dollars yearly.
-A 13 location auto dealership had in excess of 1,000 lines for 400 employees. They thought they were transferring a line from an old salesperson to a new one. What was really happening is their previous carrier was simple adding a new line @ $30 per month and leaving the old one active. After a complete review, we were able to cancel 700 lines @ $30/each for a yearly savings of $252,000 PLUS we were able to consolidate all the locations into one billing platform. We also achieved great cost savings on the service of 35% monthly. The total savings every 3 years exceeded ONE MILLION DOLLARS.
-A City Government had 28 individual invoices for their telecom services across all their departments; schools, police, fire, administrative, etc. The accounting 40 hours per month and cost the city (taxpayers) a great deal of money. We were able to consolidate and streamline all the departments onto one billing platform, individually bill the departments as requested with 100% of the taxes exempt and save them thousands per year on the actual telecom expenses. Countless thousands per year were saved on the reduction of man hours. Estimated yearly savings of $100,000.
-A small business in “North Country” NH was struggling to keep it’s doors open. We took a look at their telecom invoices and audited them. Not only were we able to save them 35% or $9,200 per year we were able to get them $13,300 in refunds for services that were billed frivolously. CRAMMING (which is adding charges to you telecom bill for absolutely no services rendered).


Homeowners Insurance in and around Duncanville
Would you like to create a personalized homeowners quote?
We also offer Homeowners insurance in:
- Grand Prairie
- Fort Worth
- Glenn Heights
- Red Oak
There’s No Place Like Home
Everyone knows having excellent home insurance is essential in case of a windstorm, ice storm, or fire. But homeowners insurance is about more than covering natural disaster damage. Another valuable component home insurance is that it also covers you in certain legal cases. If someone falls at your residence, you could be on the hook for their hospital bills or their medical bills. With good home coverage, your insurance may cover those costs.
Why Homeowners In Duncanville Choose State Farm
With this great coverage, no wonder more homeowners choose State Farm as their home insurance company over any other insurer. Agent Josh Thibodeaux would love to help you get the policy information you need, just contact them to get started. Let us handle the details of covering your home with State Farm's dependable homeowners insurance. All you need to do to get started is contact Josh Thibodeaux today!


We understand that affording a new furnace or air conditioning system can be difficult. To assist our clients in finding payment solutions, we have teamed up with two lenders: Michigan Saves and Wells Fargo.
Michigan Saves, a nonprofit organization, has partnered with a network of lenders to provide simple and affordable loans to homeowners to make energy efficient or renewable energy improvements. This is an unsecured, personal loan, that can be used for eligible improvements that are pre-qualified by Michigan Saves or recommended by a whole-home energy assessment.
- Loan Amount: $1,000 – $30,000
- Loan Term: Flexible up to 10 years
- Loan Rates: Fixed APR not to exceed 4.99%
- Eligible Properties: Owner-occupied, single-family (1-4 unit) homes (primary residence only)
There is no home equity required, and the phone-based loan application process is simple and fast. Visit www.michagansaves.org today to find an authorized contractor and begin your loan qualification.


The 2022 edition of the Mauritius Expat Guide
Want to live in Mauritius? Don’t miss out on the new and attractive residency packages
Over the last 15 years, Mauritius has welcomed expatriates willing to work and live in the country. As the Chief Executive Officer of the Economic Development Board, it gives me immense pleasure to be associated with this publication which provides you with a 360-degree view of the different residency schemes in Mauritius and the routes to achieving your dreams and to enjoy a relaxed work-life balance in an idyllic destination inspiring creativity and productivity.
Mauritius is not only blessed with the required attributes for investors to do business and professionals to work but has also become the nesting place for retirees looking for a peaceful retirement. Over the years, we have consolidated and readjusted our ‘Work-Live-Play’ packages to meet the aspirations of the business community and those on the lookout for a peaceful retirement.
Foreigners with a minimum investment of USD 50,000 can benefit from a Ten-Year Occupation Permit, which is a combined work and residence permit, together with residence permits for dependents. Self-employed professionals can aspire to a similar Ten-Year Occupation Permit by investing only USD 35,000. Non-citizen Professionals can now obtain an Occupation Permit valid for up to ten years. We offer schemes for young professionals studying in the country, as well as for innovators.
More than ever, Mauritius is gearing up to welcome, provide for and entertain retirees looking to enjoy this golden period of their lives. Development of luxurious retirement homes and villages is fast growing and attracting people from around the world to retire in a safe haven. You can aspire to retire in Mauritius with a monthly transfer of USD 1,500 or by simply acquiring a residential property in one of the luxurious retirement developments under the Property Development Scheme. Developers also offer the opportunity to acquire life rights.
We also offer to Occupation Permit holders and those with residence permits as retirees, the exciting opportunity to transition to a Twenty-Year Permanent Residence Permit, upon satisfying certain conditions. The guide provides you with all the details on this scheme.
In addition, Mauritius offers residency opportunities to non-citizens through the acquisition of residential properties, worth USD 375,000 in real estate developments under approved schemes.
This publication also takes you through one of our latest offers: the Premium Visa. This visa, introduced in November last year, is very famous among digital nomads. It is a One-Year renewable visa which targets professionals wishing to work remotely for their overseas businesses from Mauritius. Within less than a year, over 1,250 applications have been processed and more than 800 approved.
We are on the path of further improving our product offerings and we invite you to visit our dedicated website on residency (www.residency.mu) to register and receiving more frequent updates.
I invite you to delve into this guide for more detailed information and I wish to reiterate my appreciation for this wonderful collaboration with Expat.com.


Darren LovellMortgage Loan Orginator
NMLS# NMLS #378056
5055 W Park Blvd, Suite 300,
Plano, TX 75093
The Lovell team are highly respected Loan Originators in the great state of Texas. They find success in their 24/7 availability; nights, weekends & holidays. Understanding timely communication to all parties within the real estate transaction is imperative. A consultative approach has proven that clients gain confidence in building wealth through real estate and consistently providing clients the highest level of service. Call today to determine your options in home financing.


Income Properties in Charlottesville, VA
Do you dream of becoming your own boss? Investing in income properties allows you to generate positive cash flow on a month-to-month basis while enjoying the long-term benefits of property ownership. At Montgomery Team, we help Charlottesville, VA investors like you turn real estate into revenue.
Putting Real Estate to Work for You
The real estate professionals at Montgomery Team consider your success to be our success. We put our expertise to work for you, doing whatever it takes to reach your real estate income goals. We work hard to produce outstanding results and exceptional customer service. In every transaction, we conduct ourselves according to the highest standards of integrity and professionalism. And when you come to Montgomery Team for help finding income properties, you can count on us to be responsive, efficient, and focused on earning the best possible outcome for you.
Let Montgomery Team help you turn an investment property into a revenue stream. Call our office today to schedule a consultation and learn more our income properties.
Message Sent. Thank you for contacting us. We will be in touch with you shortly.
- Virginia Association Of Realtors
- Charlottesville Association Of Realtors
- National Association Of Realtors (NAR)


TAX ADVISORY FOR INDIVIDUALS & SMALL BUSINESSES
We are located in SW Portland near Tigard at:
10095 SW 72nd Avenue
Portland, OR 97223
It is our mission to provide top notch financial and taxation guidance tailor made for your particular situation.
Certified by the Oregon Board of Accountancy as of May 12, 2014 to practice as a Certified Public Accountant.
Professional bookkeeping guidance for any small to mid-sized service provider or manufacturer. Specializing in QuickBooks Online.
Planning & Consulting
I take the time to understand my clients and their particular situations in order to implement the tax code to minimize tax liability and plan for the future.


First Step: Read the Prospectus
Please review the Perkins Discovery Fund Prospectus or Summary Prospectus before viewing the Fund-related information on this website. Click the link below to download a PDF file of the Prospectus or Summary Prospectus.
You’ll need Adobe Acrobat Reader version 3 or newer to view the Prospectus PDF file. Acrobat Reader comes with most web browser software, but if you don’t have it, click here to download the Reader from the Adobe website.
Second Step: Complete New Account Application And Mail With Check
Make check payable to the Perkins Discovery Fund (or see Prospectus for wiring instructions). Mail application and check to address shown at the top of application.
Alternate Step: Contact Online Brokerage
The Perkins Discovery Fund is available at many online brokerage sites for your buying convenience.
Please read the Prospectus or Summary Prospectus carefully before you invest or send money.
Thank you for becoming a shareholder. For a hard copy Prospectus and forms or other information, call 1-800-998-3190 or email the Fund at email@example.com.
The Perkins Discovery Fund is not offered for sales in countries other than the United States and Puerto Rico. Information contained on this web site does not constitute an offer to sell, or a solicitation of an offer to buy shares of the Perkins Discovery Fund, nor shall any such shares be offered or sold to any person in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction.


ForexMentor – FX SystemsLab Monthly
Archive : ForexMentor – FX SystemsLab Monthly Digital Download
Salepage : ForexMentor – FX SystemsLab Monthly
Delivery : Online With Any Device
Each month a new, unique and innovative forex trading system is produced. This gives subscribers the opportunity to sample each system at a leisurely pace, testing and tinkering for a full month before the next system arrives for evaluation. Each system is described and its workings depicted in the primary instructional videos accompanying each release.
More from Categories : Forex & Trading


Save Jobs & Reduce Overheads!
With prices at $50, the same 5% cut in production costs can make a huge difference to your assets profit margins.
This is why we are seeing a dramatic series of lay-offs in the industry.
This is why there has been a year-on-year >50% reduction in the North American active rig count.
And this is why asset owners are seeking to capitalize on advances in digitized asset management. For more than 15 years, we have been employing the best software development talent in the world, listening carefully to our clients, and honing our suite of software accordingly.
For years, OPEC has said it wasn't threatened by rising U.S. shale production, and that it would work to keep a floor under oil prices. Now, it has been caught napping, and as unconventional oil crept up to account for close to 10% of global production last year,
OPEC has started a war of attrition, and low prices are its best (and only real) weapon.
Combined with a tepid and now faltering global economic recovery, not least in China, the likelihood is that oil & gas will have to deal with tight margins for 5-10 years to come.
This is why the adoption of IAMTech's low cost, high return, asset management and maintenance software solutions is accelerating within the oil, gas & chemical industry.
IAMTech has been a pioneer in improving asset efficiency through streamlining maintenance, operations and safety processes in the oil, gas and chemical markets for the last 15 years.
Our software is being adopted by major names in the industry, from BP Chemicals & Exploration to Perenco & Petronas. Our growing success is the best testimony to the efficacy of our asset management software solutions.


As individuals give their tithes and offerings to their local church, the local church gives a portion of that money to the Cooperative Program (CP) through the local state convention. The state convention uses a portion of this money to fund its ministry efforts while sending a portion of the money to the Southern Baptist Convention (SBC) where this money helps to fund ministries such as SBC seminaries, International Mission Board, and North American Mission Board, just to name a few. CP has a great impact for God’s Kingdom and it truly is unique in its ability to multiply the monies given by the individual church member.
Questions? please click here.


Sep 9, 2019
When the world’s two largest economies become mired in trade conflict, there are bound to be global consequences. As analysts predict increasing risk for a global economic downturn, VanEck’s Chief Emerging Markets Economist Natalia Gurushina looks at what the trade war might mean for other countries, and explains how these consequences could have unforeseen repercussions for both the United States and China.
Natalia Gurushina is the chief emerging markets economist for VanEck’s Emerging Markets Unconstrained Fixed Income Strategy. She has been a member of the Investment Management Team since 2013. Prior to joining VanEck, Dr. Gurushina worked for Roubini Global Economics, where she was responsible for Emerging Markets Currency/Fixed Income and G10 Currency Strategies. She has also previously worked as an analyst at Pantera Capital Management, a Tiger Management spin-off, and as an EMEA economist at Deutsche Bank. Dr. Gurushina holds a Ph.D. in economic history from the University of Oxford and a B.A. in economics from Moscow State University.


February 11th, 2020, Vancouver, British Columbia – Enduro Metals Corporation (TSXV: EM / OTC: SIOCF / FSE: SOG-FF) (“Enduro Metals” or the “Company”) is pleased to announce that, further to its news releases dated January 13, 2020 and January 28, 2020, an aggregate of 10,000,000 common shares (the “Spinco Shares”) of Sassy Resources Corporation (“Spinco”) will be distributed to the shareholders of the Company (the “EM Shareholders”) in connection with the plan of arrangement (the “Plan of Arrangement”) among the Company, Spinco and the EM Shareholders.
The share conversion factor is 0.066708 (the “Conversion Factor”). In accordance with the Plan of Arrangement, the Conversion Factor was determined by dividing 10,000,000 (ten million) by 149,907,933, which is the number of common shares of the Company (the “EM Shares”) outstanding as at the close of business on February 10, 2020 (the “Record Date”).
The EM Shareholders who hold EM Shares as at the Record Date will receive for every one EM share held 0.066708 of a Spinco share (one Spinco Share with respect to every 14.9907 EM Shares).
The Payable Date, Record Date, Due Bill Trading Date, Ex-Distribution Date and Due Bill Redemption Date are as set forth below.
Distribution per Share: 0.066708 of a Spinco share for every one Company share
Payable Date: February 18, 2020
Record Date: February 10, 2020
Due Bill Trading Date: February 7, 2020
Ex-Distribution Date: February 19, 2020
Due Bill Redemption Date: February 20, 2020
No fractional Spinco Shares will be distributed to the EM Shareholders and, as a result, all fractional amounts arising under the Plan of Arrangement will be rounded down to the nearest whole number without any compensation therefor.
The number of EM Shares held by the EM Shareholders will not change.
Additional information regarding the terms of the Plan of Arrangement are set out in Enduro Metals’s management information circular dated August 23, 2019, and the news releases dated June 25, 2019, July 26, 2019, October 1, 2019, October 4, 2019, January 13, 2020 and January 28, 2020, all of which are available for viewing on Enduro Metals’s SEDAR profile at www.sedar.com.
About Enduro Metals
Enduro Metals is a Canadian-based junior exploration company focused on building shareholder value through high-grade discovery opportunities in British Columbia and Ontario. The Company has an option to earn a 100% interest in the Newmont Lake Project, one of the largest land packages among juniors in the broader Eskay region in the heart of Northwest B.C.’s Golden Triangle.
On Behalf of the Board of Directors,
ENDURO METALS MINING CORP.
COO and Director
Email: firstname.lastname@example.org / www.endurometals.com
For further information please contact:
Tel: +1 (604) 261-4466
Toll Free: +1 (877) 261-4466
Momentum Public Relations
Tel: +1 (514) 815-7473
Neither TSX Venture Exchange nor its Regulation Services Provider (as that term is defined in policies of the TSX Venture Exchange) accepts responsibility for the adequacy or accuracy of this release


In this captivating episode of the Hemler podcast, we are thrilled to welcome Aubrey, the founder of Pay Rio, a prominent payment provider specializing in the cannabis and CBD industry. Aubrey’s passion for health and wellness led her to establish Pay Rio, where she offers fair pricing and secure payment solutions to businesses operating in these sectors.
During the podcast, Aubrey provides us with valuable insights into her personal journey and what sparked her interest in the cannabis industry. She reveals that Pay Rio initially focused on CBD, a natural medicine she personally uses for sleep and anxiety relief. As Aubrey delved deeper into the CBD world, she recognized the significant need for cannabis payment services as well, prompting her to expand Pay Rio’s offerings to encompass both CBD and cannabis transactions.
One of the advantages Aubrey highlights is her ability to combine her love for gardening with her involvement in the cannabis industry. Living in California, she enjoys the privilege of cultivating hemp and cannabis in her backyard, providing her with a fully immersive experience within the industry.
Moving on to the topic of payment services, Aubrey discusses the challenges faced by businesses in the cannabis and CBD space. She emphasizes the issue of excessive pricing imposed by payment providers due to the perceived high risk associated with these industries. Aubrey’s mission with Pay Rio is to work with CBD companies and bring their pricing down to a fair level while maintaining compliance with industry regulations. She believes that as the payment industry normalizes and the Safe Banking Act comes into play, more aggressive pricing can be expected, benefiting businesses in the long run.
Aubrey sheds light on an essential aspect of payment processing—bank sponsorship. She explains that Pay Rio has invested significant time and effort in finding the right technology partners and bank sponsors to support their payment transactions. Presently, Pay Rio proudly works with the largest CBD bank sponsor in the US, who possesses comprehensive knowledge of CBD, various cannabis derivatives, and THC content. This partnership ensures a seamless underwriting process and provides businesses with the peace of mind that their processing will remain secure and uninterrupted.
Transitioning to the practical side of Pay Rio’s services, Aubrey clarifies the processing timelines and requirements for businesses seeking their payment solutions. For CBD businesses, the approval process typically takes around seven business days, with the advantage of quick and easy integration for both brick-and-mortar and e-commerce setups. Pay Rio’s expertise in e-commerce comes into play, as they guide businesses through the nuances of state regulations and compliance measures to ensure processing is conducted appropriately.
Addressing website functionality, Aubrey emphasizes the importance of having solid terms of service, privacy policies, and return and shipping policies in place for businesses seeking payment processing approval. Pay Rio’s team collaborates closely with customers, reviewing their websites to ensure they meet the payment brand rules set by Visa, MasterCard, Discover, and Amex. By providing guidance and assistance, Pay Rio ensures that websites comply with the necessary requirements, instilling confidence in the processing capabilities and legitimacy of businesses.
The conversation then shifts towards cannabis-based products and dispensaries. Aubrey highlights the unique challenges associated with accepting credit cards in this sector. Traditionally, dispensaries have been cash-based, relying on cashless ATMs or debit transactions. However, Pay Rio’s terminals enable dispensaries to accept both debit and credit cards, significantly expanding their payment options. By accepting credit cards, dispensaries can increase their average order value, as customers are not limited to their available cash or debit card limits. Additionally, the acceptance of credit cards generates positive word-of-mouth, leading to an expansion of the customer base and consistent growth in monthly volume for dispensaries.
Concluding the episode, Aubrey encourages listeners to seek a trusted payment advisor and emphasizes her passion for bringing her extensive payment knowledge to the CBD and cannabis industry. Pay Rio aims to support and educate businesses in CBD sector.


Terms and Conditions
Fees and Pricing
- Published prices for GP consultations are for 30 minute appointments. In the event the consultation exceeds this time, EdgCARE reserves the right to charge an additional fee. This also applies to Home Visits which may therefore also attract a higher fee if the consultation lasts longer than 30 minutes.
- Payment for services is expected at the time of consultation or in advance of the consultation. Payment can be made with cash, cheque, debit or credit card. Non-attendance will be charged at the full rate.
- EdgCARE does not deal directly with insurance companies unless there is specific prior agreement from the Practice Manager at the time of booking an appointment. If this agreement has not been granted, EdgCARE will expect the patient to pay for services at the time of consultation and then ask the patient to seek re-imbursement from their insurance company directly.
- Please be aware that many Private Medical Insurance companies do not cover or offer re-imbursement for GP consultations or medical tests requested by a GP. EdgCARE accepts no liability in the event that an Insurance company fails to reimburse the patient for their care.
- EdgCARE reserves the right to change our Fee Schedule from time to time.
- Consultation and Home Visit prices do not include the cost of Blood Tests or other investigations ordered by the GP. The GP will discuss the cost of these with you before proceeding with any investigations. Payment for any investigations is expected at the time of the Consultation.
- Prescriptions requested outside of a GP Consultation or Home Visit will attract an additional charge.
- Cancellations less than 2 hours before the appointment will be at 50% of the original price.
- Non-attendance at an appointment will result in the full cost of the Consultation being invoiced to the patient.
- Card details are required at the time of booking any Consultation, Home Visit or other service and is required to secure your booking.
- These card details are retained on our secure Medical Records system and can be deleted with your written request. Payment will only be processed after your Consultation or Home Visit (or other service).
- If you prefer to use an alternative card or means of payment please inform the doctor or receptionist.
- Unpaid invoices will be processed at the end of each working day using the card details that you have provided.
Consent to Communication by E-mail
- EdgCARE would like to highlight that email and internet communications are not considered a fully secure method of communicating confidential and sensitive information. This means that, although unlikely, it is possible that a third party may be able to gain unauthorised access and read the content of emails which you have sent to EdgCARE or that EdgCARE has sent to you. Clearly, this would include any files attached to emails.
- Despite this concern, many patients prefer to use email as a primary method of communication and wish to communicate with EdgCARE using email. We will treat this information in the strictest confidence but EdgCARE cannot ultimately guarantee the security of email and worldwide internet systems and therefore you should consider email communications sent to EdgCARE or received from EdgCARE as non-secure.
- By agreeing to these Terms and Conditions you consent to EdgCARE communicating with you by email.
Service Times and Third-Party Providers
- In extenuating circumstances EdgCARE may need to close earlier than the published “Opening Hours”. This may be due to excessive service demand or lack of doctor cover due to illness or absence.
- EdgCARE signposts patients to other services when our telephone lines are closed. EdgCARE accepts no responsibility for the actions of these Third Party services and we wish to inform you that these services are not directly affiliated with EdgCARE.
Membership Payment Terms and Conditions
- EdgCARE membership is an annual subscription scheme with automatic renewals every 12 months
- Renewal reminders are sent by email 7 days before a renewal charge is applied
- Membership payments and renewals may be cancelled up to a maximum of 1 week from the joining payment or renewal payment
- If membership is cancelled within this one week period, the initial payment or update payment will be reimbursed
- Any membership discounts or privileges however used during the current membership period however will be deducted from membership reimbursement
- Only patients living at the same address can be covered in one membership payment
- Patient living at separate address will need to subscribe separately


Restrictions may slowly be easing, but our new world is anything but business as usual. Join business leaders Joe Campolo and Peter Klein for a weekly webinar where they share critical insights on the state of the Long Island business community and provide a macro perspective to help mitigate the economic fallout and move forward productively.
Each episode features commentary on business, finance and more. After a discussion about that week’s updates, Joe and Peter welcome guests from various sectors including accounting, legal, manufacturing, finance, and nonprofits, as well as elected officials, to discuss in-depth challenges we are all facing in the new world. With the world changing daily, remaining in-the-know is key to making decisions that impact the future of your business. Hear directly from the business leaders plugged into the latest changes and gain a critical perspective to guide your decision-making.
Visit cmmllp.com to register for upcoming episodes.
June 30, 2020 – Episode 7 of Business Unusual Weekly Recovery Webinar with business leaders Joe Campolo and Peter Klein and guest John Corrado, President of Suffolk Transportation Service, Inc. The discussion focused on how the sector is reopening, what the future looks like for riders, and the technology that can keep transportation moving forward […]
June 23, 2020 – Episode 6 of Business Unusual Weekly Recovery Webinar with business leaders Joe Campolo and Peter Klein and guests John Miller, President & CEO of Guide Dog Foundation and America’s VetDogs, and Terri Alessi-Miceli, President & CEO of HIA-LI. The discussion focused on the critical role that 501(c)(6) business organizations will have in […]
June 16, 2020 – Episode 5 of Business Unusual Weekly Recovery Webinar with business leaders Joe Campolo and Peter Klein and guest Rich Humann, President & CEO of H2M architects + engineers. The discussion focused on how stimulus dollars are being used, whether infrastructure spending can fill tax voids in the middle of a pandemic, […]
June 9, 2020 – Episode 4 of Business Unusual Weekly Recovery Webinar with guest Jim Coughlan, Principal and Co-Founder of TRITEC Real Estate Company. This episode focused on the real estate development sector – a key piece of Long Island’s previously booming economy. Now that the COVID pandemic has changed how we work, live, and […]
June 2, 2020 – Episode 3 of Business Unusual Weekly Recovery Webinar with business leaders Joe Campolo and Peter Klein and guest Joe Camberato, President of National Business Capital & Services. The discussion focused on creatively stretching your dollars and how to pivot your financial practices to a more sustainable path. Subscribe to our playlist […]
May 26, 2020 – Episode 2 of Business Unusual Weekly Recovery Webinar with guest Kevin O’Connor, President & CEO of BNB Bank. This discussion focused on long-term strategies for businesses to survive in our new world. While the Paycheck Protection Program (PPP) remains the hot topic of the moment, it’s merely a stopgap. We need […]
This first episode included an in-depth discussion of the impact COVID-19 is having on the local and national economy and how businesses should be preparing to reopen, especially in light of the challenges that PPP and enhanced unemployment are causing in the workforce. Subscribe to our playlist to be the first notified of the latest […]
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How can I apply for a place in a dormitory?
You can apply for a place in one of our 7 dormitories on our homepage. You can only apply online. For our other dormitories, you can apply at the Studierendenwerk Stuttgart.
How do you increase your chances of getting a place in a dormitory?
Apply early – preferably at least half a year in advance.
Can I view the room beforehand?
Room viewings are not possible.
How long is the rental period?
The minimum rental period is 6 months and the maximum rental period is 36 months.
In special cases, the rental period can be extended. E.g. as compensation for committed students in the tutorial of the dormitory or the student council.
Can I apply even if I do not yet have a letter of admission or certificate of study?
You can submit your application online even if you do not have a letter of admission or a certificate of study. Send us the letter of admission or the certificate of study as soon as you receive it.
Do I have to pay a deposit?
Before moving in, you must pay the deposit, the amount of which is specified in the renatal agreement, or upload the SEPA mandate. Only on presentation of proof that you have paid the deposit will you receive the keys from the caretaker in charge.
How and when do I have to pay the rent?
The rent is debited by SEPA mandate, at the latest on the 3rd working day of a month, from an account named by the tenant. Direct debits are only possible from an account at a German bank.


The Cat People’s SPAY TODAY! Program has gotten a big shot in the arm from the Build-A-Bear Workshop Bear Hugs Foundation. The BABW Bear Hugs Foundation believes in helping domestic pets by providing, financial support through their grant program for animal welfare, pet rescue, rehabilitation, and therapeutic pet programs. The grants are to be used to prevent pet overpopulation, provide food and medical expenses for animals, and other needs required by pets.
The grants are funded through the sale of their Bearemy's Kennel Pals®. One dollar from the sale of each plush animal in this line is donated through the Build-A-Bear Workshop Bear Hugs Foundation to qualified non-profit(c)(3) organizations working with or on behalf of domestic pets throughout the United States and Canada.
The Cat People organization is extremely grateful to the Foundation for this assistance. Our SPAY TODAY! Program is more than 20 years old, and each month receives many more requests than we can grant. Receiving this infusion of funds will mean that we can immediately provide assistance to financially strapped pet owners wishing to alter their cat. People in need of assistance getting their cat altered can call us at (661) 327-4706, and we will provide assistance while funding from this program lasts.


I understand that the cost of therapy can be a concern for many individuals, so it's important to me to be transparent about my fees. Individual therapy sessions are $145 for approximately 45-50 minutes. By attending therapy, you are taking an active step towards improving your life and well-being. Therapy is an investment in yourself, and you deserve to get compassionate, quality mental health care.
I am not in-network with any insurances. I have made the decision to not contract with insurance companies for several reasons. First, insurance companies often dictate the type of therapy and the number of sessions covered for a client. This can be disruptive to the therapeutic process, lead to early termination, and limit a client's ability to receive the treatment they need. In addition, insurance companies require the disclosure of confidential information and a diagnosis to be kept on file. By not taking insurance, I am able to keep your personal information private and provide more personalized, effective care to my clients.
Out of Network Insurance Reimbursement
As I am not contracted with any insurance companies, I am considered an out-of-network provider. If you have out-of-network mental health benefits, you can request a medical receipt to apply for potential out-of-network reimbursement through your insurance. I cannot guarantee reimbursement, so please check with your insurance company before beginning services to see if and what you qualify for based on your individual plan. Session fees are still due at the time of service, and applying for potential out-of-network reimbursement is the responsibility of the clients.


For years the wheat market stagnated waiting for a single trigger: A sharp reduction in global production. That worldwide event finally occurred this year, lifting prices to four-year highs.
Wheat is a market that likes to trend once it gets going. Bottoms typically occur around five years apart. Rallies eat up the first three years of the cycle, with down markets taking up the next two.
At least that’s the Cliff’s Notes version of wheat marketing. The last cycle took nearly seven years to con-firm. Fallout from the financial collapse a decade ago soured investors on commodities. And while U.S. acreage dwindled, other producers gained market share, namely Russia and its former Soviet Union satellites. Good weather and improving technology boosted their yields twice as fast as those in the U.S.
That streak ended this year in the Black Sea region. Yields and acres both declined, part of a pattern seen across the result of Europe too. Now, a brewing El Nino warming of the equatorial Pacific threatens to slash Australian production by a third.
If wheat returns to its old cycle, prices might be expected to rally into 2019. Dry conditions for seeding next year’s winter wheat crop extend from the southwest Plains to France, though Ukraine and Russia are starting to trend wetter. Production in Argentina should rebound, with good moisture as seeding ends.
A return to normal production will be needed to keep inventories from dropping further. The stocks-to-use ratio among major exports could drop to its lowest level ever by the summer of 2019.
But higher prices should lure more acres into production too. Futures are starting to show signs of fatigue, and that’s especially a warning sign for soft red winter wheat, which tends to top first in bullish years. Hard wheat contracts can extend rallies into September if conditions for seeding are a concern. Storms over the next week could help ease some of those concerns.
As a result, it’s time to get more aggressive pricing 2018 inventory after a $2 rally. Deferred futures are moving into my projected selling ranges. Winter wheat carries are rising again, not a bullish sign, but provide opportunity for good storage hedges for those with on farm storage and year-round markets. Also get started price 2019 winter wheat production.
USDA’s Aug. 10 report could lower the size of the U.S. crop, but this rally is about what’s happening around the world.
Download a complete version of the outlook with extensive charts and analysis using the Download button at the end of this report.
More from Farm Futures:
Senior Editor Bryce Knorr first joined Farm Futures Magazine in 1987. In addition to analyzing and writing about the commodity markets, he is a former futures introducing broker and is a registered Commodity Trading Adviser. He conducts Farm Futures exclusive surveys on acreage, production and management issues and is one of the analysts regularly contracted by business wire services before major USDA crop reports. Besides the Morning Market Review on www.FarmFutures.com he writes weekly reviews for corn, soybeans, and wheat futures that include selling price targets, charts and seasonal trends. His other weekly reviews on basis, energy, fertilizer and financial markets and feature price forecasts for key crop inputs. A journalist with 38 years of experience, he received the Master Writers Award from the American Agricultural Editors Association.


Bandai Namco Toys and Collectibles America, LLC. (BNTCA) accepts the following payment methods:
- American Express
Most pre-paid credit and gift cards from Visa, MasterCard, American Express, and Discover are also accepted.
Payment is due at the time of order.
Every payment goes through a rigorous verification process to detect potential fraud. As one of our verification steps we may authorize your card for a small amount and ask you to verify the amount before we accept payment. This authorization is not a charge, but the bank may hold the authorized funds as unavailable until the authorization expires.
Resolving a Declined Payment
During the payment verification process we may decline your payment and ask you to resubmit your billing information and card details so it matches what your credit card company has on file. In some situations, we may just ask you to use a different form of payment. At this point no transaction has been attempted on your credit card.
Once your payment has passed the verification process, we will attempt to charge your credit card. If the sale is declined, you may need to contact your credit card company or bank to resolve the problem. The most common reasons for a declined payment are:
- Credit card company needs authorization prior to completing the transaction.
- You have reached the daily withdrawal or purchase limit.
- There are not enough funds in the account.
- Your credit limit has been exceeded.
Once you have determined the problem, log into "My Account" on shop.BNTCAbrands.com and resubmit your payment details so we can process your order.
Credit Card Security
We work diligently to protect your data and keep it confidential. To ensure the utmost security, our servers never store or transmit any credit card data. When you enter a credit card on our website, it is encrypted and sent directly from your browser to our payment processor, who then sends us a token which we reference for future transactions. The token is meaningless to any outside party. We partner with a large, well-respected payment processor which is fully PCI compliant. At no time does any employee of BNTCA have access to your full credit card details. Details we do store, such as the credit card last 4 digits, are encrypted and protected with industry standards.
Unknown Credit Card Charges
If you don't recognize a charge from BNTCA on your credit card account there may be several reasons:
- We may have performed an authorization for a small amount as part of our payment verification process. This authorization will expire and no money is removed from your account.
- An order was placed by a family member, friend, or co-worker with access to your credit card.
- Additional cards are associated with the credit or debit account.
If you have any questions please contact us first, rather than filing a chargeback with your credit card company.


The federal government of Canada is following through to greatly help Canadians handle their finances in this period that is exceptional. Find out more about new measures into the Economic Response Arrange.
Numerous workers are unemployed as a result of shortage of work as a result of shut or reduced operations because of COVID-19. If that can be your case and also you be eligible for Employment Insurance advantages ( ag EWe https://personalbadcreditloans.net/payday-loans-or/ ), it is possible to make an application for EI .
Canada Recovery Benefit (CRB )
YouвЂ™re qualified if:
- youвЂ™ve stopped working and so are maybe not entitled to EI due to COVID-19
- had your employment/self-employment earnings paid down by 50% due to COVID-19
Canada Healing Caregiving Benefit (CRCB )
YouвЂ™re qualified if:
- You must care for a young kid under the chronilogical age of 12 or a member of family because schools, daycares or care facilities are closed due to COVID-19
- you have got a ill kid or household member and/or required to quarantine or reaches threat of severe wellness problems as a result of COVID-19
Canada Recovery Sickness Benefit (CRSB )
YouвЂ™re eligible if youвЂ™re unable for at the least 50% regarding the because you week:
- are unwell or need to self-isolate due to COVID-19
- have an underlying that sets them at greater chance of having COVID-19
The Canada Child Benefit (CCB) is risen to an additional $300 per kid. This benefit will likely to be delivered included in the scheduled payment in might. People who currently get the advantage don’t have to re-apply.
Effective March 30, 2020, all education loan borrowers will immediately have their repayments suspended until 30, 2020 september. With this time, you wonвЂ™t need to make any repayments and interest will maybe maybe not accrue. You don’t need to use for the pause on payment.
These can add costs for:
- inadequate funds (NSF)
- end repayments
- Interac e-transfers
- month-to-month deal plans
Contact your economic organization to get more details.
In this uncertain duration, stay away from borrowing additional money whenever possible. Studies have shown those who frequently utilize credit to fund day-to-day costs since they will have run in short supply of money have actually reduced amounts of economic wellbeing.
In the event that you must borrow cash, be sure you comprehend the price of various credit items before you make a choice, and borrow just things you need.
Specific credit items are more costly because of the high interest levels and costs. for instance, a cash advance should end up being your absolute final resort, because they usually carry high costs.
you compare all borrowing options and their costs, interest rates and payment terms before selecting a credit item. Otherwise, contracting brand new credit that is expensive could create more monetary problems for you personally in the foreseeable future.
ends that are making, talk to reputable sources to explore the economic options available for your requirements. You can easily contact a financial expert, such as for example an authorized advisor that is financial an accredited credit counsellor, an idea. They are licensed if you choose a financial advisor, make sure.
Be aware when trying to find the professional that is right can help you. Some organizations providing to settle repair or debt credit are misleading customers.
Having a budget is key, specially when an urgent situation does occur. To be able to handle your financial allowance, you will need to recognize and costs. It is versus your wants throughout a period that is specific.
The Budget Planner can be an tool that is interactive provides guidelines, recommendations, instructions and alerts. It will also help you figure out you could cut expenses whether you have the funds to meet your ongoing financial commitments and where.


Almost all landlords require that tenant’s provide them with a security deposit. As the name suggests, the security deposit is money that the tenant deposits with the landlord for their financial security. If you damage the property, leave without paying rent, etc, the security deposit provides the landlord with a way to become “financially whole” again. Generally, the security deposit is equal to one month’s rent. However, unless the property is a rent stabilized unit (in which case the deposit can NOT be more than one month’s rent), the deposit amount can be set by the owner.
In New York, there are very strict rules as to the usage of the security deposit.
- A landlord must return the security deposit at the end of the lease or within a reasonable time thereafter. Generally a “reasonable time” is considered to be 30 to 60 days. This provides the landlord with enough time to assess any damage and to have repair work completed. It is important that you attend the end of tenancy inspection. This insures that you and your landlord are aware of any repairs and any disputes can be addressed immediately.
- A landlord may retain a potion of the security deposit or all of the deposit in the event that the apartment is damaged and repairs beyond normal wear and tear must be made or to cover unpaid rent. However, the costs must be considered “reasonable.”
- A tenant can not use the deposit as the final month of rent. While this may be more convenient for the tenant, it robs the landlord of the ability the cover damages.
New York also has strict rules as to the maintenance of the deposit money.
- A landlord must treat the deposit money as “funds in trust.” That means that the landlord can’t treat the deposit as their money and can’t co-mingle their money with that of the tenant.
- If the landlord owns six or more apartments, the security deposit must be held in a New York bank that pays the prevailing interest rate. A tenant must be informed in writing as to the name and location of the bank and must receive the interest (less an allowed 1% administration fee that the landlord may retain). A tenant has the right to determine if they wish to have the interest paid annually, paid at the end of the lease term, or applied to the rent.
Using your security to your advantage
Offering an increased security deposit is a great way to counter bad credit or lack of citizenship. This gives the landlord the added security of knowing that an otherwise “bad risk” is offset to a greater degree. You should remember however, that an increased security deposit is not the same as pre-paid rent. The security deposit is held in account until the end of the lease period and can’t be accessed by the tenant. If the money that you are offering is money that you need to live, ask to pre-pay the rent instead.
If at the end of your lease, you agree to renew and the lease amount is higher, you will generally be responsible for proving additional security money’s to equal the entire month rent.
originally posted February 24, 2007


1.1. Basfour 3773 (Pty) Ltd (“the Company”) operating under the trade name OINVEST, is an authorised Financial Service Provider (“FSP”), licensed by the Financial Sector Conduct Authority (“FSCA”) in South Africa, with FSP No. 42020 and registration number 2010/002719/07.
1.2. The Company’s relationship with its clients will involve entering into over-the-counter (“OTC”) contracts for differences (“CFDs”) with them.
1.3. As per the terms of General Code of Conduct for Authorised Financial Services Providers and Representatives, 2008 as amended from time to time (“the Code”), the Company is required as an FSP, at the earliest reasonable opportunity, to provide, where applicable, full and appropriate information of any material investment or other risks associated with the Company’s products (“CFDs”), including any risk of loss of any capital amount(s) invested due to market fluctuations.
1.4. This notice aims to communicate the inherent risks associated with trading CFDs on the Company’s Online Trading Platform (“the Platform”).
1.5. The Company cannot disclose all potential risks associated with trading CFDs, thus the Company suggests that clients consult professional advisors regarding legal, regulatory, credit, tax or accounting elements to consider, that may apply to CFDs.
1.6. Before entering into this relationship with the Company, clients acknowledge, understand and agree to the risks involved in this Risk Disclosure.
1.7. If at any time clients have any queries or questions relating to this Risk Disclosure Notice, they shall contact the Company at [email protected] Clients are strongly advised to do so before engaging into trading CFDs.
2.1. Trading CFDs is very speculative, risky, and it involves a significant risk of loss.
2.2. Clients should not invest retirement funds in CFDs.
2.3. CFD Trading is not suitable for all investors. Suitable investors are persons who:
2.3.1. understand and are willing to assume the economic, legal and other risks involved in this trading;
2.3.2. are experienced and knowledgeable about trading in derivatives and in underlying asset types; and
2.3.3. are financially able to afford significant losses that are greater than the margin or the initial deposit.
2.3.4. CFD are some of the riskiest types of investments and can result in large losses. These investments are technical and involve lingo that clients need to understand.
2.3.5. Clients should contact the Company on the details available on its webpage in case they require help understanding any related terms, but they should also seize professional advice and help before investing.
2.3.6. Clients represent, warrant and agree that:
18.104.22.168. They understand these risks;
22.214.171.124. They are willing and able to assume the risks of trading CFDs;
126.96.36.199. They are able to afford the risks financially; and
188.8.131.52. that the loss of their entire account balance will not change their lifestyle.
3.1 Being long in CFD means a client buys the CFDs on the market by speculating that the market price of the underlying asset will rise between the time of the purchase and sale.
3.2 As the owner of a long position, clients will generally make a profit if the market price of the underlying asset rises while their CFD long position is open. Clients will generally suffer a loss, if the market price of the underlying asset falls while their CFD long position is open.
3.3 Clients’ potential loss may therefore be bigger than the initial margin they have deposited. In addition, they might suffer a loss due to the closing of their position if they do not have enough liquidity for the margin on their account in order to maintain their position open.
4.1. Being short in CFD means clients are selling the CFDs on the market by speculating that the market price of the underlying asset will fall between the time of the purchase and sale.
4.2. As the owner of a short position, clients will generally make a profit if the market price of the underlying asset falls whilst their CFD short position is open. Clients will generally suffer a loss if the market price of the underlying asset rises whilst their CFD short position is open.
4.3. Clients’ potential loss may therefore be bigger than the initial margin deposited. In addition, clients might suffer a loss due to the closing of their position, if they do not have enough liquidity for the margin on their account in order to maintain their position open.
5.1. There are specific market conditions, under which a CFD is difficult ot impossible to close-out. This could be for example a result of a suspension or a restriction of trading on the underlying asset of the CFD at times of rapid price movement.
5.2. In case there is no liquidity in the underlying asset of a CFD, clients may not be able to trade that CFD.
5.3. There are circumstances where a client may place a “Stop order” and their losses will still not be limited to the destined amount, as market conditions may make it impossible to execute the stop order ar the stop level specified in the CFD.
6.1. The high degree of “gearing” or “leverage” is a particular feature of CFDs.
6.2. The effect of leverage makes investing in CFDs riskier than investing in the underlying asset. This is because of the margining system that applies to CFDs. This margining system involves a small deposit that is relative to the size of the transaction. It means that a small price movement in the underlying asset can have a disproportionately dramatic effect on clients’ trades.
6.3. This can be both advantageous and disadvantageous. A small price movement in a client’s favor can provide a high return on the deposit, however, a small price movement against the client, may result in significant losses.
6.4. These losses can occur quickly. The greater the leverage, the greater the risk. The size of leverage therefore contributes towards the result of the investment.
10.1. When trading CFDs with the Company, these transactions will not be performed on a recognized or designated investment exchange. These are known as OTC transactions.
10.2. Because of this, all positions entered into with the Company must be closed with the Company. Clients’ positions cannot be closed with any other entity.
10.3. OTC transactions may involve greater risk than investing in contacts that are on an exchange, because there is no exchange market to close out an open position.
10.4. It may be impossible to liquidate an existing position, to assess the value of the position or to assess the risk exposure.
10.5. Based on best execution policies applicable to the market, the Company will not quote bid prices and ask prices.
10.6. The Company does not have a central clearing system. It further does not provide any guarantee, and no other party guarantees, its payment obligations to clients. This means clients are exposed to their credit risk.
10.7. Prices, margins and valuations may be different from prices reported elsewhere The performance of clients’ CFDs will depend on the prices the Company sets and the market fluctuations in the underlying asset that is the subject of clients’ contract. Each underlying asset carries specific risks that affect the result of clients’ CFDs.
10.8. The Company calculates its prices by looking at the price of the underlying asset. It gets these prices from third party sources or exchanges. For its CFDs it obtains price data from wholesale market participants.
10.9. Although the Company expects that these prices will be related to prices available on the market, its prices may be different to prices available to banks and other market participants.
10.10. The Company has a wide discretion in setting and collecting margin. It isauthorized to convert funds in clients’ accounts for margin. This also involves converting clients’ funds into foreign currency at a rate of exchange that the Companys alone determines. The Company’s rate of exchange is based on the current market rates.
13.1. The Company’s Online Trading System immediately transmits clients’ execution orders once clients enter the speculated amount and click “Buy/Sell.”
13.2. This means that clients do not have an opportunity to review the order after clicking “Buy/Sell”. This also means that Market Orders cannot be cancelled or modified.
13.3. Clients should therefore use the Company’s Demo Trading System to learn about how the Online Trading System works, before they actually trade online with the Company.
13.4. Clients acknowledge and agree that by using the Company’s Online Trading System, they agree to its one-click system. Clients further acknowledge and agree to accept the risk of this immediate transmission/execution feature.
14.1. If clients execute Market Orders over the telephone using he Company’s Trading Desk, these order will be completed when the Company’s telephone operator says “deal” or “done”. When this is completed, clients would have bought or sold, and they cannot cancel the Market Order.
14.2. By placing Market Orders through the Trading Desk, clients acknowledge and agree to this immediate execution. They acknowledge and agree to accept the risk of this immediate execution feature.
15.1. When the Company provides general market recommendations, these recommendations are not in any way a personal recommendation or investment advice. The Company does not consider any of the clients personal circumstances or their investment objectives when it makes their market recommendations.
15.2. When the Company makes its market recommendations, it agrees that it is not an offer to buy or sell, or a solicitation of an offer to buy or sell.
15.3. The clients acknowledge and agree that every time they decide to enter into a CFD with the Company, and each time that they decide that a transaction is appropriate for them, it is an independent decision made by then.
15.4. If clients incur any liabilities, claims, damages, costs and expenses (including attorneys’ fees) when they follow or take any action based on any of the Company’s trading recommendations, they agree that the Company will not be liable or responsible to them. The clients acknowledge and agree that the Company does not act as an advisor to them nor it is a fiduciary to them. Clients agree that the Company has no fiduciary duty towards them.


Available to UK Businesses of all shapes and sizes including Social Enterprises, Charities, Voluntary Groups, Community Groups, Church Groups and others.
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- Complete and return the Application Form to the Membership Team for review.
- Business checks and additional information may be requested during the review process if deemed necessary.
- On acceptance the Business will be invoiced £90 + vat (*£50 + vat for concessions).
- On payment of the invoice the business will be notified of their Membership Number and their Membership pack will be sent to them.
Helping you, your business and your staff
- Benefits are only available to Members
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- Individuals can not access benefits using a Business Membership ID nor visa versa.
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Business Members can set up their own "Employee Benefits Scheme" for all their Staff.
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Click the "Apply" button opposite or go to "Community Network"
More about our Business Membership
Concessionary Business Membership
The Annual cost of Concessionary Business Membership is £50.00 + VAT.
Concessionary Business Membership is available to:
- Voluntary Organisations
- Social Enterprises / CICs
The Membership Team reserve the right to request any additional information they deem necessary to support your application at anytime prior to approval.
Once your Business application has been reviewed and accepted by The Membership Team you will receive a Welcome email with your Business Membership Number, Secure (GOLD) Members Area Log In details (which will have been generated internally by the Membership Team) and your Invoice detailing all associated business membership costs.
Your posted Membership Pack will be dispatched once your first years Membership Fee has been received – and will include your DotComUnity Membership Card.
25% of the membership fee helps to directly support DotComUnity's social purpose.
You will also receive regular member communications, keeping you up to date with new developments, benefits and rewards.
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All Business Applications are subject to Membership terms and conditions. Business Applications will be reviewed by the Membership Team to confirm the legitimacy of the application before deciding whether the application will be approved.
Business Membership can be declined without explanation or recourse should we feel it is necessary to do so and can be withdrawn should a member bring the "Brand" or any part of the business, including DotComUnity, into disrepute.
View all DotComUnity Terms and Conditions


On Thursday, January 24, 2019, The Friends of the Goodnow Library received a $15,000 grant from the Middlesex Savings Bank. Alice Levine, president of the Friends and Susan Pettit, vice president, accepted the gift on behalf of the organization at a reception held at Middlesex Savings Bank headquarters in Westborough, MA. This grant will be used to expand the Friends annual support of programming and resources not included in the annual town budget for the Goodnow Library in Sudbury.
“Local libraries play a major role in making our communities the special places they are, said Mike McAuliffe, president and CEO of Middlesex Savings Bank. “They provide important resources that residents of all ages can utilize and enjoy. We are pleased to be making this gift to support all that they do.”
The $15,000 gift to The Friends of the Goodnow Library is part of a cumulative gift of $1.4 million that Middlesex Savings Bank distributed to 84 nonprofit organizations including libraries, food pantries, and senior centers within the Bank’s retail branch territory.
You can help keep our library vibrant by volunteering your time and talent.
Volunteers help with activities like planning programs, organizing book sales, and maintaining the library’s entry gardens.


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The Haddad Dodge Ram experts are committed to providing exceptional services to our guests on a daily basis. Our Bakersfield, CA, location serves as your hub for everything involving your vehicular needs. This convenient location acts as your one-stop Dodge dealership, Ram dealership, and even acts as your auto service and parts center.
Serving you and your family with an optimal new car purchase while still honoring your budget is a goal our team is dedicated to. Browse our current inventory, select your ideal model, and schedule a test drive today by calling (661) 527-4315.
The choice of whether to buy or lease a new vehicle is one of the biggest financial decisions we can make. If you’re thinking about getting behind the wheel of a new Dodge Charger, Challenger, Durango, or RAM 1500 truck, take a minute to familiarize yourself with the pros and cons of each approach.
There are few cookie-cutter answers for whether buying or leasing is a better choice, but certain individual preferences may suggest one approach over the other. For example, if you love working on your car in Bakersfield, especially concerning installing after-market parts and making modifications to your drivetrain, then you’re a likely candidate for buying a vehicle, as you can’t make significant modifications to leased vehicles.
The simple answer for Bakersfield, CA drivers is money. Generally speaking, monthly payments on a lease tend to be markedly less than monthly payments for a purchase. Furthermore, a car, truck, or SUV in a lease from our Haddad Dodge Ram dealership is almost always covered under the manufacturer’s warranty, which means that mechanical failures won’t cost you anything, with a low likelihood of needing to replace tires, brakes, or exhaust components.
Another reason: the latest safety and connectivity technology. When you drive a leased vehicle in the Kern County area, you are by definition driving a car, truck, or SUV that is fewer than four years old. If you’re driving a vehicle that is getting along in years, you don’t have access to the latest safest technologies like collision alerts or blind-spot monitoring. Being in a lease also means Bakersfield drivers get the latest infotainment tech at your disposal, including voice control and smartphone integration that allow you to access your technology without looking at your phone. We have fantastic Dodge and Ram lease deals at our dealership near Taft and Delano, CA. Browse our online inventory and visit us to test drive a new vehicle today.
If you still haven’t made up your mind, speak with a member of our finance center to discuss your individual situation, and explore your options.
The biggest objection most folks have to lease is that they don’t understand it. People tend to fear and avoid things they don’t understand, especially when they are in an uncomfortable environment (such as a typical showroom). Here’s a quick contrast example between financing and leasing a $20,000 vehicle for a 60-month loan and a 36-month lease:
When you get a $20,000 loan, the bank pays us $20,000 for your car and keeps your title until you pay off the entire $20,000, plus interest.
When you lease, the bank also pays us $20,000 and keeps the title. What’s the difference? With a loan, the bank wants back 100% of the $20,000, plus interest. With a lease, the bank only wants you to pay $8000 plus interest (the difference between $20,000 and the residual of $12,000. The “residual” is the pre-determined value of the leased vehicle after 36 months).
Haddad Dodge Ram
3000 Harris Rd, Bakersfield, CA 93313Get Directions
Call us today!
Sales: (661) 527-4315
Service: (661) 527-4318
Parts: (661) 527-4319
Sales Department HoursMonday: 08:00 AM - 09:00 PMTuesday: 08:00 AM - 09:00 PMWednesday: 08:00 AM - 09:00 PMThursday: 08:00 AM - 09:00 PMFriday: 08:00 AM - 09:00 PMSaturday: 09:00 AM - 08:00 PMSunday: 10:00 AM - 07:00 PM
Service Department HoursMonday: 07:00 AM - 06:00 PMTuesday: 07:00 AM - 06:00 PMWednesday: 07:00 AM - 06:00 PMThursday: 07:00 AM - 06:00 PMFriday: 07:00 AM - 06:00 PMSaturday: ClosedSunday: Closed
Parts Department HoursMonday: 7:00am - 5:00pmTuesday: 7:00am - 5:00pmWednesday: 7:00am - 5:00pmThursday: 7:00am - 5:00pmFriday: 7:00am - 5:00pmSaturday: ClosedSunday: Closed
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Please verify all pricing information with a customer service representative.
This is easily done by calling us or visiting us at the dealership.
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Bitcoin tumbler - Cryptocurrency tumbler
As maybe some of you realize, every crypto transaction, and Bitcoin is not an exception, is carved in the blockchain and it leaves traces. These marks play an important role for the authorities to trace back outlawed transactions, such as purchasing weapon, drugs or money laundering. While a sender is not associated with any unlawful activity and still wants to avoid being traced, it is possible to use accessible crypto tumbling services and secure sender’s identity. Many bitcoin holders do not want to inform everyone the amount they gain or how they spend their money.
There is a belief among some web surfers that using a mixing service is an illegal action itself. It is not entirely true. As mentioned before, there is a possibility of crypto blending to become unlawful, if it is used to hide user’s illegal actions, otherwise, there is no reason to worry. There are many services that are here for bitcoin holders to tumbler their coins.
However, a digital currency owner should pay attention while picking a crypto mixer. Which service can be trusted? How can one be certain that a tumbler will not steal all the deposited digital money? This article is here to reply to these concerns and help every crypto owner to make the right choice.
The digital currency mixers presented above are among the leading existing tumblers that were chosen by users and are highly recommended. Let’s take a closer look at the listed crypto mixers and describe all options on which attention should be focused.
As cybercash is gaining momentum around the world, digital money holders have become more conscious about the confidentiality of their transactions. Everyone used to believe that a crypto user can remain disguised while forwarding their coins and it came to light that it is not true. On account of the implementation of government policies, the transactions are detectable which means that a user’s electronic address and even identity can be disclosed. But don’t be frightened, there is an answer to such public administration controls and it is a Bitcoin scrambler.
To make it clear, a cryptocurrency mixing service is a software program that splits a transaction, so there is a straightforward way to blend different parts of it with other coins. In the end a sender gets back an equal quantity of coins, but mixed up in a completely different set. Consequently, there is no possibility to trace the transaction back to a sender, so one can stay calm that personal identification information is not revealed.
Surely all crypto mixing services from the table support no-logs and no-registration policy, these are critical aspects that should not be overlooked. Most of the mixing services are used to mix only Bitcoins as the most common cryptocurrency. Although there is a couple of crypto tumblers that mix other cryptocurrencies, such as Ethereum, Bitcoin Cash and Litecoin. Additional currencies give a sender more opportunities, some mixing services also allow to combine coins between the currencies which makes transactions far less identifiable.
There is one feature that is not displayed in the above table and it is time-delay. This option helps a user and a transaction itself to remain anonymous, as there is a gap between the deposited coins and the outcoming transaction. In most cases, users can set the time of delay by themselves and it can be several days or even hours and minutes. To get a better understanding of crypto tumblers, it is necessary to consider each of them independently.
Based on the experience of many users on the Internet, CryptoMixer is one of the leading Bitcoin mixing services that has ever appeared. This tumbler supports not only the most popular cryptocurrency, but also other above-mentioned cryptocurrencies. Exactly this mixing service allows a user to exchange the coins, in other words to deposit one currency and receive them in another currency. This process even increases user’s anonymity. Time-delay feature helps to make a transaction untraceable, as it can be set up to 24 hours. There is a transaction fee of 0.0005 for each extra address.
One absolutely special crypto tumbler is ChipMixer because it is based on the absolutely different idea comparing to other mixers. A user does not merely deposit coins to mix, but makes a wallet and funds it with chips from 0.03 BTC to 14.954 BTC which a user can split according to their wishes. After chips are included in the wallet, a wallet owner can send coins to process. As the chips are sent to the mixing platform prior to the transaction, next transactions are untraceable and there is no opportunity to connect them with the wallet holder. There is no standard fee for transactions on this mixing service: it applies “Pay what you like” feature. It means that the fee is randomized making transactions even more anonymous and the service itself more cost-effective. Retention period is 7 days and every user has an opportunity to manually cleanse all logs prior to this period. Another coin tumbler Mixtum offers you a so-called free trial period what means that there are no service or transaction fee charged. The process of getting renewed coins is also quite unique, as the platform requires a request to be sent over Tor or Clearnet and renewed coins are obtained from stock exchanges.


Should you require payment arrangements you will need to contact the court either by mail or in person:
Payment arrangements may be set up either monthly, every 2 weeks, or weekly.
Payments will be determined by the amount owed and the ability of the defendant to pay.
If any or part of a payment goes past 31 days from the date of your plea, the State requires the Court to assess a 1 time fee of $15 per violation, which can be worked into the payments.
You will be required to make your payments on the scheduled due date until the amount is paid in full.
Should you require an extension to pay, you will need to contact the court on or before your due date, either in person, e-mail, or by mail, to show just cause why a further extension should be granted.
If there is failure to comply with this agreement a Capias Pro Fine Warrant will be issued for your arrest for the amount of what is owed with additional fees.