Mounting debt can be a looming shadow over anyone’s financial well-being, casting doubt, stress, and uncertainty into daily life. Whether through unexpected emergencies, educational investments, or a series of unfortunate financial decisions, debt can accumulate rapidly, becoming a persistent burden that hinders growth, stability, and peace of mind. It is a complex issue that many face, but it is by no means an insurmountable one.
The journey to becoming debt-free is not a sprint but a carefully planned marathon. It involves understanding the nature of the debt, creating a strategy tailored to individual needs, and following through with dedication and discipline. The process might seem overwhelming at first, but like any complex problem, it becomes more manageable when broken down into specific, actionable steps. By assessing the situation with clarity and attacking the debt with precision, one can navigate the path towards financial freedom.
This article provides strategies to pay off debt swiftly and easily. These are not merely theoretical concepts but tried-and-true methods that have helped many reclaim control over their financial lives. From understanding the psychology of debt repayment to leveraging unique financial techniques, these strategies aim to equip you with the tools needed to erase debt and build a stable, prosperous future. As we delve into each strategy, remember that the path to debt freedom is unique to each individual, and personalization of these methods will yield the best results.
1. The Snowball Method
The Snowball Method is a tried-and-true approach to tackle debt by focusing on smaller amounts first. By listing debts from smallest to largest and clearing the smallest ones first, you get a sense of achievement early on. This strategy gives a boost to morale and helps keep the momentum going. As each small debt gets cleared, you gain more confidence and are further motivated to tackle the next one, creating a cascading effect toward the larger debts.
2. The Avalanche Method
The Avalanche Method, by contrast, requires a strategic focus on debts with the highest interest rates. By attacking these debts first, you prevent larger interests from accruing over time. Though it may seem daunting initially, especially if the highest interest debt is a significant amount, the long-term savings in interest make this method highly efficient and economical in the grander scheme of things.
3. Establish a Clear Budget
A well-defined budget is akin to a roadmap. By determining where your money goes each month, you can discern potential savings and unnecessary expenditures. A clear budget helps in streamlining expenses, ensuring you don’t spend on frivolities. Furthermore, a budget isn’t just a tool for tracking; it’s a blueprint for financial freedom. Adhering to it ensures you always remain on the right path.
4. Harness Extra Income Streams
The digital age offers numerous opportunities to supplement primary income sources. Whether you’re freelancing, tutoring, selling crafts online, or renting out space, every extra penny can significantly bolster your debt repayment strategy. Dedicating even a fraction of this additional income to your debt can exponentially hasten the debt-clearing process, offering relief sooner than anticipated.
5. Curtail New Debt
As you navigate the pathway out of debt, vigilance is paramount. Ensure you’re not offsetting your progress by accumulating fresh liabilities. Practising restraint, especially with tempting credit offers, can seem challenging, but the long-term benefits are well worth the discipline. Adopting this preventive approach ensures that you are genuinely moving forward, not just running in place.
6. Negotiate Your Rates
Communication can often yield unexpected benefits. Reaching out to your creditors, especially if you’ve been consistent with payments, can sometimes result in negotiated interest rates. Even a minor rate reduction can translate to significant savings over time. This proactive approach showcases responsibility and may lead creditors to be more accommodating.
7. Debt Consolidation
Juggling multiple debts can be not just financially draining but also mentally taxing. Consolidation offers an elegant solution, combining various debts into one manageable monthly payment, often with a reduced interest rate. This simplicity can make budgeting easier, and the reduced interest can lead to faster debt elimination.
8. Allocate Windfalls Strategically
Unexpected financial bonuses, whether tax returns, work bonuses, or even gifts, can significantly aid your debt-clearance journey. Instead of splurging, channelling these funds toward your debts can reduce your financial burdens. Allocating these unexpected boosts to debt not only hastens relief but also reinforces responsible financial habits.
9. Limit Luxuries
Everyday luxuries, enjoyable as they are, can accumulate over time. Temporarily cutting back on non-essentials can free up funds for debt repayment. This isn’t about denying oneself but rather prioritizing financial freedom over short-term pleasures. As debts decrease, there’ll be ample opportunity to indulge without financial guilt.
10. Stay Financially Educated
In the evolving landscape of finance, continuous learning is invaluable. By staying updated with current financial trends, tools, and best practices, you can optimize your debt repayment strategy. Financial literacy not only equips you to tackle current debts but also empowers you to make informed decisions in the future, safeguarding against potential pitfalls.
11. Emergency Funds
While channelling funds toward debt is crucial, setting aside a safety net is equally vital. Life’s unpredictability can bring about unexpected expenses, and without a buffer, you might find yourself plunging deeper into debt. An emergency fund acts as a shield, ensuring that unforeseen events don’t derail your progress.
12. Spending Habit Analysis
Reflecting on our spending habits can provide illuminating insights. With numerous digital tools available, it’s easier than ever to track and evaluate our expenditures. Identifying patterns, especially impulsive or frivolous spending, can guide corrective measures. This heightened awareness ensures every dollar is spent wisely and purposefully.
13. Ditch the Credit Cards
Credit cards, if mismanaged, can quickly exacerbate debt situations. If you’re susceptible to overspending, consider reducing your reliance on them. Opting for cash or debit transactions can instil a tangible sense of spending, fostering more judicious purchasing decisions. Over time, this can cultivate a more disciplined and sustainable financial mindset.
14. Seek Expert Guidance
Financial terrains can be intricate. Enlisting the expertise of financial advisors or credit counsellors can offer tailored guidance, shedding light on potential avenues or strategies previously overlooked. These professionals can demystify complexities, providing clarity and actionable steps toward debt freedom.
15. Join Debt Support Groups
Debt, while primarily financial, also carries an emotional weight. Connecting with others on similar journeys can offer solace and solidarity. These support groups, both online and offline, provide a platform to share stories, strategies, and successes. Collective wisdom and mutual encouragement can make the journey less isolating and more empowering.
Debt, while intimidating, is not insurmountable. With the right strategies in place, even the most daunting financial burdens can be methodically and effectively tackled. The journey to debt freedom requires patience, discipline, and a commitment to informed decision-making. By integrating the strategies outlined above, not only can one navigate the path out of debt but also cultivate habits that ensure sustained financial health in the future. Remember, every step taken toward reducing debt is a step closer to achieving financial freedom and peace of mind. Your future self will thank you for the decisions and efforts you make today.


Partner With Invisible Angels
All gifts to Invisible Angels are tax deductible to the full extent allowed by law. Our Board-approved policy is that all gifts designated for a specific project be applied to the project, with up to 10% used for administrative and fund-raising expenses. Occasionally we receive more contributions for a given project than can wisely be applied to that project. When that happens, we use these funds to meet a similar pressing need. We do not provide goods or services in consideration for contributions. Descriptions of Invisible Angel’s programs and activities, and its audited financial statements, are available upon request. Contributions are solicited with the understanding that Invisible Angels has complete control over the use of all donated funds.
A copy of the official registration and financial information may be obtained from the division of consumer services by calling toll-free within the state. Registration does not imply endorsement, approval, or recommendation by the state.


Family Planning Health Services gratefully accepts all monetary donations. In these tough economic times, we see more and more people in need. At the same time, our programs are looking at funding decreases. We appreciate any and all donations to help FPHS continue its mission to serve our communities with high quality affordable care.
All donations you make will be used to provide quality reproductive health care and WIC nutrition services to area families. Donations have always been greatly appreciated and at this time will help us to maintain our services. Our thank you letter listing your donation will suffice for tax purposes.
How to Donate
Send a check to:
Family Planning Health Services
Attn: Nina Parks
719 N 3rd Ave
Wausau, Wisconsin 54401
Make checks payable to FPHS.
Please make sure to write the word donation on your check.
please call 800-246-5743 and ask for Nina Parks, Finance Specialist.
She will take your information and facilitate your donation.


Balancer is a multi-token automated market maker (AMM) that operates as a self-balancing weighted portfolio protocol, liquidity provider, and price sensor. Built on the Ethereum blockchain, Balancer allows users to create or add liquidity for multiple assets simultaneously to customizable pools. The users earn trading fees in form of Balancer’s native token Balancer token (BAL).
Balancer operates like an index fund – digital assets are regularly reallocated based on their prices and returns. Like an index fund, Balancer provides crypto traders with a tool to deploy risk diversification through a controlled risk exposure to their crypto portfolio.
Balancer was launched in March 2020 by Fernando Martinelli and Mike McDonald of Balancer Lab. The platform started as a research program at BlockScience, a software company, in 2018. The Balancer Lab Comprises a team of like-minded fellows with in-depth knowledge of the DeFi ecosystem. The team leaders are:
- Fernando Martnelli: A highly experienced entrepreneur and member of the Maker community. Martinelli has worked on several projects before partnering with McDonald for Balancer.
- Mike McDonald: Balancer co-founder and an experienced security engineer and creator of mkr.tools. McDonald currently serves as Balancer’s CTO.
- Kristen Stone: Formerly product manager at Coinbase, Stone has over five years of experience working in the crypto industry. She currently serves as the COO at Balancer.
- Timur Badretdinov: Balancer’s front-end developer and founder of Longcaller, a cryptocurrency review and educational content platform.
Balancer deploys a mathematical pricing algorithm to price assets, rendering the order book redundant. A liquidity provider deposits their assets into a liquidity pool known as a Balancer pool. Unlike in other AMMs, one Balancer pool can hold two to eight tokens. The pool creator can deposit the tokens partially or fully then proceed to set the ratio for each token and the trading fees applied for the Balancer pool.
After a trade, the AMM protocol readjusts the number of tokens to maintain the weighted value of tokens in the pool. Take a pool with four tokens.When a trade causes the price of one token to go up, the Balancer pool triggers a rebalancing that will deduct the number of tokens from the pool until the weighted value is reset.
With its AMM, Balancer users do not rely on any intermediary to facilitate trades. Balancer trades are directly between the self-custody transacting wallets. Anyone with a supported wallet can access Balancer, without special permissions.
Balancer’s other feature is the Smart Order Router (SOR). The SOR optimizes trading to ensure users get the best price based on the number of tokens traded, fees, and gas costs. The SOR will return a list of pools and the number of tokens you should trade in each pool to get the most tokens for any trade request.
The Balancer platform has the following features:
- Custom Pool Fees: Balancer’s transaction feesare as low as 0.0001%, incentivizing competitiveness for pools thereby significantly driving down transaction costs.
- Multiple Token Support: Balancer pools hold up to eight tokens. However, pools with uneven weights have more negative slippage and consequently, lower trading volume.
- Accessible Token Trading: There are no formal procedures for listing a token on Balancer. The platform allows users to trade tokens that do not appear on the exchange’s list via users’ wallet addresses.
- Balancer Pools: Balancer supports three main types of pools; Public pools, private pools, and smart pools.
In a public or shared pool, any user can deposit or withdraw digital assets to the pool to provide liquidity. All parameters in a public pool are set before launching and remain immutable afterward.
A private pool is created by a single user and only they can provide liquidity to the balancer pool. The pool creator has to control over the fees, the weighted value of tokens, and the type of tokens that are traded in the pool.
Smart pools are private pools owned by smart contracts. The pools can be programmed to perform unique functions like changing token weights in the pool.
BAL token is also Balancer’s governance token, which holders can apply to set features such as issuance rewards and whitelisted pools for liquidity mining.
As of May 2021, Balancer is the 12th largest DeFi project with $1.76 billion in total value locked (TVL). Following the success of Compound’s governance token, COMP, Balancer launched BAL to decentralize the network further and incentivize liquidity providers.
BAL has a maximum supply of 100 million tokens with 6.9 million in circulating supply. The token ranks 145th with a market cap of $253 million.
Users can earn BAL by providing liquidity to pools. Alternatively, you can buy BAL from any of the top exchanges that offer BAL trading pairs. Among the top exchanges are Coinbase Pro, Binance, Huobi Global, and Kraken.
Learn more here:


Hey, you’re lucky! I’m not going to get into the actual loan products, rates, terms, conditions, etc. because these change every day. Instead, let’s call this an introductory lesson in understanding why you need to get pre-approved to buy a home.
When you get to this page, you have already gone through many steps in the home buying process, but you’d be surprised at how many home buyers skip the loan application step and go right to making an offer on a home. What happens is that failing to qualify for a home loan is the most frustrating reason that such offers fall apart. And, it could’ve been prevented.
Would you go to the clothing store, spend hours trying on clothes, seeking what you wanted and then later wonder if you had the money to pay for it? I don’t think so. You would know that you had cash or a credit/debit card before you began the clothes-trying-on process. It’s the same thing when buying a home.
What I’ve learned is…
Every buyer is uncomfortable discussing their personal financial situation, and
An offer to buy a home without being pre-approved is a very weak offer.
If you wish to buy a home, you’re going to have to discuss your finances, because no one can buy a home without a financial disclosure.
When first meeting you, I will question you about your financial qualifying, but I won’t delve into it, because I don’t personally need to know your entire income, expense or credit history. But, I do need to be assured that you are taking steps to become financially qualified by a lender to buy a home before we actually go shopping. Which brings me back to the second thing I’ve learned.
Making an offer when you have a commitment letter or pre-approved letter in hand is the same as making a cash offer. Sellers weigh offers based on the buyer’s financial strength to actually complete the transaction. A letter of commitment tells the seller that you can buy the home. This is the best negotiating position you can be in.
Remember, there is a big difference between pre-qualification and pre-approval. When getting pre-approved, you submit information and figures to a loan officer who then calculates for you a specific home loan dollar amount that you should qualify for. Pre-approval means all of this plus the loan officer has confirmed credit history, income verification, as well as assets, liabilities and sources of down payment funds.
If you do not have a relationship with a mortgage company, I can be of help to you by recommending lenders who provide excellent service and who I like and trust. You, of course, have no obligation to use any lender that I recommend, but over the years, I have developed very close relationships with lenders who have proved themselves in every aspect and who are extremely reliable and competent. I have learned that it is best to get pre-approval through one of my successful, helpful loan officers first. Once that is completed, you may want to shop loan rates, terms and programs.
Reasons I recommend certain lenders over others are:
Reliability. The loan officer has performed consistently over many years.
Timeliness. In purchasing real estate, time is of the essence in several ways. I want to use a lender who is able to produce and complete loan documents in a timely fashion and meet all crucial deadlines.
Competitive Rates. I know of certain lenders who will consistently quote the most competitive rates and match competing loan products.
Service. I only use lenders who have demonstrated an unwavering commitment to provide my clients with the highest level of personal service.
These are just a few of the benefits I can provide you by recommending specific lenders. Of course, there is no obligation on your part to use them, but you certainly want to allow them the opportunity to earn your business. Feel free to contact me directly for the names and numbers of my recommended lenders. This is just another service I provide to be the right one.


Spa Creek Dental is considered an out-of-network provider and we will be happy to bill a claim to your insurance company if your plan offers out-of-network benefits. Spa Creek Dental is not in-network with insurance plans and is not a Medicaid or Medicare provider.
It means that we are not an “in-network” provider. Insurance companies have control over the fees of “in-network “providers. Since we don’t want them to control what we offer, we do not participate as an in-network provider for any insurer’s networks. Many insurance companies do provide coverage for out-of-network providers like us, but it is often limited, and we would have to do some research to get an estimate of what the coverage would be.
One of the best ways to gain access to see any dentist is to find a PPO dental plan that offers the highest out-of-network rates. These dental plans are sometimes classified as Full Coverage plans, Open Choice, Open Access, or Indemnity plans because they will pay a UCR (Usual Customary and Reasonable) type of payment or their “allowed amount” for out-of-network claims. HMO plans are through managed healthcare organizations and do not offer out-of-network coverage.
UCR fees are the standard fees that the insurance company gets to set for what it will reimburse providers. Insurance companies will determine a maximum amount that they will “allow” providers to charge for services. Any remainder beyond the “allowed” amount will then be charged to the patient. The price is specific to the insurance policy. Another policy with the same insurance company could set a totally different price. Allowed amounts can vary not only by policy, but also the location of the healthcare provider, their license type, and other factors.
Typically, insurance companies want to incent patients to go to in-network providers, and so insurance carriers will cover a significantly lower portion (aka “co-insurance %”) of the “allowed” amounts when they reimburse out-of-network providers like ourselves. As an example, an insurance company may have an allowed amount of $100 for an in-network service but will only cover 10% if that same service is provided by an out-of-network provider, leaving the patient responsible for the remaining $90. Therefore, patients are often surprised at how poor their coverage is, when they learn that their insurance company’s co-insurance for out-of-network is a fraction of what they are used to with in-network providers.
Many policyholders only think about the cost of medical services after the service is provided and can be caught off guard when their insurance doesn’t cover all expenses. To mitigate the possibility of a big bill, policyholders should always check with the provider to learn if they are in-network, and to understand if there will be a remainder that they could be responsible for, if the insurer does not cover all services.
When a claim is billed to insurance, they first determine whether the care is covered by the policy. If it is, the claim is then processed. The insurance will look up the amount they will allow for each CDT code on the bill based on the healthcare provider you saw and other variables. This price is then used to calculate either the amount applied to your deductible or how much money you will be reimbursed based on your co-insurance. If your co-insurance is 50% and your deductible has been met, you will be reimbursed 50 % of the allowed amount set by your insurance, not 50 % of the amount you actually paid.
For example, a patient is seen for a Comprehensive Oral Exam and $119 is billed to the insurance. If the insurance plan allows $100 for the exam and the coinsurance is 50% for in-network providers, the insurance will pay a maximum of $50 for the exam. (Providing the deductible has been met, if applicable, and the max benefit limit has not been reached.) The remaining balance of $54 would be the patient’s responsibility as determined by the insurance and the patient would be balance difference.
If, however, the insurance plan only offers a 10% co-insurance for out-of-network providers, then the insurance company will pay a maximum of $10 for the exam, and the remaining $109 will be invoiced (“balance billed” to the patient.)
One other note about allowed amounts: insurance companies usually will not disclose their allowed amounts to out-of-network providers until after the services have been provided. This makes it very difficult for providers to accurately estimate the out-of-pocket expense prior to the services being rendered. Out-of-network provider offices must often wait for multiple hours just to get an estimate on what the co-insurance will be, and still may not be given the allowed amount – making it a real challenge to get the most accurate estimate possible.
Because we are an out-of-network provider, insurance companies will not easily disclose their reimbursement rates to us. Since each plan may be different in what its allowed amounts, deductibles, and co-insurance rates may be, we typically need to call in to the provider hotlines to get an estimate. This process can take hours of time on the phone, and we often must wait multiple days to be sent an estimate.
Additionally, the estimate that is sent to out-of-network providers doesn’t usually include the allowed amount, so even after getting a response from the insurance, we typically have to guess what amount they will cover of services, making us unable to give a 100% quote on what the remainder billed to the patient will be.
One of the main differences with how out-of-network providers handle insurance payments is known as balance billing. In-network providers agree to accept an insurance company’s fee schedule and reimbursement amounts for each procedure. But because out-of-network providers have not agreed to any specific amounts, they are allowed to bill for the additional charges not covered by insurance, as in most cases, the insurance payment is not sufficient to cover the cost of services rendered.
Health insurance claims can be confusing. Many people are caught by surprise when they learn that their health insurance does not pay them back based on the amount they pay for care but the amount their health insurance believes the care should cost.
One of the best things you can do to help keep tabs on your healthcare costs is to take good, thorough notes and to be knowledgeable when it comes to your insurance benefits. Some things to consider asking when your insurance company are:
- What is my financial responsibility?
- What is my out-of-network (OON) deductible?
- What is my out-of-network (OON) cost share? (The percent you are responsible for)
5. What is my out-of-pocket maximum and how much is remaining?
- Are there any limitations and frequency restrictions on certain procedures?
- Is there a waiting period before certain procedures will be covered?
- Are there any exclusions to my insurance plan? Some plans have what’s called a “missing tooth clause” which means the insurance will not cover the costs of replacing the tooth if the tooth fell out or was extracted before the current dental coverage started.
Traditional Medicare does not cover most dental care, dental procedures, or supplies, like cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices. Medicare Part A (Hospital Insurance) will pay for certain dental services that you get when you're in a hospital. Part A can pay for inpatient hospital care if you need to have emergency or complicated dental procedures, even though it doesn't cover dental care. For example, if you suffered a traumatic injury to your teeth or jaw, Medicare would cover hospitalization and procedures medically necessary for recovery.
Spa Creek Health is a fee-for-service company. One hundred percent (100%) of our fees are communicated and agreed-upon prior to treatment. All visits are billed upon completion of treatment and are due upon receipt.
We will submit insurance claims on behalf of our patients as an out-of-network provider. All insurance estimates are an approximation of coverage, and patients are responsible for any amount not paid by their insurance company.
If you have any payment or billing questions, please call the Spa Creek Health office at
“I just returned from my mother’s dental cleaning. In the past, my wife has accompanied my mother to the dentist and assisted by keeping her calm during her exam and cleaning. Spa Creek Dental was able to perform the procedure without any help from us. I was absolutely amazed. They have a gift for working with Alzheimer’s patients, and it was a very positive experience for my mother. Thank you.”
~Michael T. Family Member


Back 2 School drive!
After starting 2019 with a bang - coming into existence as a 501(c)(3) nonprofit, getting to know our community, throwing our first event and raising over $70k - we entered summer ready to regroup, take our foot off the gas, and relax a bit (except all of us have kids who aren’t in school yet, so… without the relaxing part). While we are forming a committee to help figure out how to effectively distribute donations, we want to keep the momentum going.
As usual, summer went by too fast and we wanted to quickly and realistically raise money directly for the schools. One of the important things we’ve learned talking to teachers and principals is that one of the biggest financial burdens on classrooms are supplies. Meanwhile, I’m thinking of all the supply rooms in the various companies I’ve worked at with piles and piles of untouched paper, pens, markers, etc. Supplies that any classroom would LOVE to have. It seems silly that teachers are having to spend hundreds (or sometimes thousands) out of their own pocket (while many simultaneously having to work 2nd jobs) on classroom supplies for their students, many of whom qualify for free/reduced lunch (that means a household of 3 making less than $40k/yr), while tech companies are sitting on these supplies that will go unused for years. So that’s why we’re trying to spread the word on our Back 2 School drive!
We’re trying to reach as many Redwood City companies as possible to raise funds for local school supplies. In just over a week, we’ve already raised over $1,000 thanks to local companies like Highfive, Kidaptive, IMVU, and CourseHero! Our goal (and we like to dream big) is to get 50 companies to contribute, and show local students that there are people at companies who care and want to give back! Any amount donated and we’ll put your company on our donation banner, which we’re keeping up to date.
There are many ways to help without having to donate:
Share our link with your company internal chat and social networks: https://www.communitybest.org/back2school
Donate unused supplies (especially paper and ink) - just email us at email@example.com!
Share and link our Facebook page: https://www.facebook.com/UnitedWithTech/
Send us any marketing tips - we’re still trying to figure it out 🤷🏻♂
Hope everybody stays cool in the heat, and thanks for the support!


Retirement signifies the start of a unique journey, a phase where effective retirement strategies become crucial for a comfortable lifestyle. At Texas Secure Life, we're committed to creating your financial future, leveraging retirement strategies that take into account every aspect of your unique situation.
The challenge of extending your savings over decades can seem overwhelming. Our team specializes in guiding you through this process, establishing retirement strategies that can help secure your assets, shield you from financial uncertainties, and help ensure a secure future for your loved ones. We craft retirement strategies, aligning them with your individual goals.
At Texas Secure Life, we optimize your retirement by helping to coordinate your company retirement plan, IRAs, and other investments for seamless operation. We utilize a variety of investment vehicles and strategies to create a diversified portfolio for retirement, striking a balance between safety, growth, and income. This helps allow you to embrace your retirement with the peace of mind you deserve.
We understand that everyone's vision for retirement is different. Whether your retirement plan includes reducing workload, turning passions into retirement activities, exploring Texas, spending more time with family and friends, or immersing in local arts and music, we're here to customize a retirement and income plan tailored to your unique needs.
Our mission at Texas Secure Life is to simplify the complexities of retirement planning, providing you with the tools to live the retirement life you've envisioned. With our focus on retirement strategies, personalized approach, and firm commitment to your best interests, we strive to be your trusted partner throughout this exciting journey.


With no restrictions.
Last updated: 13.05.2013 08:27
If you would like to join us at The West Kilbride Golf Club, we have various payment options available to help spread the cost.
|Intermediate (age 29)||£585.00|
|Intermediate (age 28)||£520.00|
|Intermediate (age 27)||£455.00|
|Intermediate (age 26)||£390.00|
|Youth (age 18-25)||£325.00|
|Junior (age 15-17)||£150.00|
|Juniors (age 12-14)||£125.00|
|House and Social||£85.00*|
* House and Social memberships attract VAT
These are applicable to Ordinary, Intermediate and Youth memberships and are currently double the annual subscription. Country members are required to pay double the Ordinary subscription as their Entrance Fee. Entrance Fees can be paid over 3 years.
(You cannot join the Club as a 5-day member, you may only transfer to this category after being an Ordinary member of the Club for a specific amount of time).
Social members pay a £50.00 Entrance Fee.
~ Download a Nomination Form for membership HERE.


The Twig Warehouse is a ministry of Beams of Grace, Inc., a 501(c)3 charity, and we receive no government funding for our work. We rely entirely upon the generosity of individuals and organizations in our community to get and to keep our doors open and our displays stocked. If you would like to support our work, please click on an option below or mail your check to: Beams of Grace, Inc., 330 Pensacola Road., Venice, FL 34285. All gifts are tax-deductible. Thank you!


I have got to say this as candidly as I can: under no circumstances is Apple
the only company engaged in tax-dodging. While I’m not happy to know that they have been using tax shelters (especially in places like Ireland), I think that Apple
‘s actions are only a small role in a much larger problem with the American Tax System. The problem America faces in terms of lost tax revenue is the allowing of corprorations to create subsidiaries and other shadow companies as a means of moving profits away from the taxation system through several legal loopholes. Essentially what should be noted and used sparingly as a tool of legal tax avoidance has instead turned into a legalized version of tax evasion by several of America’s largest companies.
Moreover, the recent report released by the Senate about Apple’s activities should be placed in the context of doing something about reforming the tax system as a whole. This means that both the President and Congress need to do everything they can to close as many of these loopholes as possible and identify companies that do this as a way of increasing profitability. I’m for business success, but not at the expense of everyone else.


Providing the "Power Play" for Your Business
This is where it all starts. Our Business "Power Play" Analysis sessions examines the top areas within your business and where we're able to uncover major financial breakthroughs you never thought were possible.
Whether it's a start-up or a multi-million dollar business, there's a "Power Play" analysis designed to uncover unprecedented growth for your business. We offer 5 different levels this service, based on the size, type and goals of the business.
At the end of this process, we’ll present you with a roadmap that highlights the financial breakthroughs that were uncovered during the analysis session.
Since no two businesses are alike, we require a client profile be completed and summited prior to any of the "Power Play" business analysis session. Based on the size of your business and the session booked, this requirement may range anywhere from 24 to 72 hours in advance. You will receive the customer business profile form within 1-3 days after one of the business "Power Play" analysis session is scheduled.
Also worth mentioning, if at the end of the of the analysis session you signed up for and we're unable to achieve the target for that session (Level 1 = $50k, Level 2 = $100k, etc.) you get your money back. No questions asked. Full Refund.
As mentioned in the preceding section, after the "Power Play" analysis for your business is complete and the financial target has been reached, within 3-5 days the business owner receives a report that highlights the financial breakthroughs that were uncovered . Since the report clearly identifies those area's where the potential business growth opportunities are located, some clients are satisfied and take a "going at it alone" approach.
However, most of our clients retain our services to help guide them through the entire process of reaching their goal (and in many cases exceeding) in 12 months. And here's why:
The customized game plan/roadmap exists and it shows REAL DOLLARS to be had for YOUR businesses financial growth!!! We've shown you where the money is - All that needs to happen, is for you as a business owner, to implement certain business growth strategies needed to get that money!!!
...and this is where we help. Our system is a hybrid mix of coaching and consulting. Usually, with a traditional business coaching model, the coach would ask the client what he/she thinks they should do and then prods them to do it. However, with the completion of the "Power Play" analysis, the area's of financial growth have clearly been identified. We help our clients navigate that map by showing them:
• Exactly WHAT to do (the strategies required)
• Exactly WHEN to do it (which order the strategies are implemented)
• The expected impact for each strategy implemented (aka: "Show Me The Money")
To help visualize, imagine having a coach, either in the press box or on the sidelines, sending in specific plays to run when needed, avoiding what the defense (the market, your competition, etc.) is coming at you with. That is the Man Advantage/Power Play your business will have over your competition.
Notice how nearly every SUCCESSFUL CHAMPIONSHIP athlete, once they reach their goal, they always thank their coach or mentor. Most realize they could have never achieved the level of success if they tried do it alone. Virtually every successful, winning athlete has sought help and guidance in order to reach the next level. Why wouldn't you want to do that for your business?
Specifically Designed for Start-Up's, Small and Mid-Size Business
The Level 1 session is designed specifically for small businesses or start-ups that have been in business less than a year or generate less than $100k in revenues annually.
Target - $50,000 of new revenue/profit combined, over the next 12 months
Session duration - 45 - 60 minutes in length
The Level 2 session is designed specifically for small to mid-size businesses that have been in business typically 1-3 years and generate between $100k - $300k in revenues annually.
Target - $100,000 of new revenue/profit combined, over the next 12 months
Session duration - 60 - 90 minutes in length
The Level 3 session is for a rapidly growing small or mid-size business, Minimum annual revenue to qualify for this session is $250k annually.
Target - $250,000 of new revenue/profit combined, over the next 12 months
Session duration - 90 - 120 minutes in length
Designed for Large Size Businesses and Corporations
The Level 4 session is designed for mid to large sized businesses who are ready to take it to the next level. Minimum annual revenue to qualify for this session is $500k annually.
Target - $500,000 of new revenue/profit combined over the next 12 months
Session duration typically run 4-8 hours and may be spread across 1-2 days.
Initial consultation is required prior to scheduling.
The Level 5 session is designed for large and very large sized business, corporations, etc. that have been in business, on average over 5 years. Minimum annual revenue to qualify for this session is $1M annually.
Target - a minimum of $1,000,000 of new revenue/profit combined, over the next 12 months
Session duration is determined based on the size of the business and depth of analysis and usually run between 6-12 hours spread over 2-3 days.
Initial consultation is required prior to scheduling.
Schedule a free introductory call to learn more about the Ultimate Business "Power Play" System and how it can help your business not only reach, but exceed your financial goals.


To improve the health of people in Africa, Australian Doctors for Africa needs your support. Over 90% of our income is spent directly on overseas programs.
Every donation helps us expand our reach, offer higher levels of care and training, and enhance our assistance with equipment and infrastructure. ADFA is a registered charity and endorsed as a Deductible Gift Recipient. Donations of $2.00 or more are tax deductible in Australia.
How do I make a donation?
You can donate by credit card, direct deposit or PayPal.
Your payment is secure. All credit card transactions are secured through an authorised online certificate that provides safe encryption.
Make a direct deposit to our bank account:
ADFA Relief Fund
Account No 82 925 1127
Please email email@example.com with your name and donation amount to enable a receipt to be issued.
Alternatively, use our PayPal account. Please note an administrative fee is deducted from your donation by PayPal.


Our leadership team
Terry began his career in Accountancy as a trainee Accountant with Beatty & Company, whose client base comprised a wide range of business sectors and different sized businesses from sole traders to large groups of companies. Having gained extensive experience Terry was invited to join the McGinley Group (a key client of Beatty & Co) as an Accountant. Terry’s financial acumen was soon rewarded and he very quickly moved up the career ladder, to the position of Chief Accountant.
Terry joined BCM four years later in 1986, as Chief Accountant/Company Secretary, a year after the company was formed. He has remained with the company for over 30 years becoming Finance Director in 2000 and is a shareholder in the business.
His ability to manage the regulatory side of the business, as well as the financial and business planning sets him apart.
Terry takes a keen interest in all aspects of the business and using his many years’ experience in the construction and rail industry to ensure that the needs of the business are met during its next phase of expansion. Terry sits on the Board at BCM.


In the third month of legal recreational marijuana sales (September), Maryland marijuana stores sold just over $90 million worth of marijuana and marijuana products.
In total there was $90,775,416 in marijuana purchased in September, a slight decrease from the $91.7 million sold in August but an increase over the $87.4 million sold in July.
$36,516,313 of the marijuana sold in September was purchased by authorized medical marijuana patients, while $54,259,102 was purchased by recreational consumers.
Although total marijuana sales were lower in September than in August, recreational marijuana sales were slightly higher – $54.2 million compared to $53 million.
A considerable majority of the marijuana sold – $50 million worth – was dried marijuana flower, with there being around $25 million in marijuana concentrates sold.
Maryland’s marijuana law was passed by voters in November, 2022, allowing those 21 and older to possess up to 1.5 ounces of marijuana, 12 grams of marijuana concentrates and marijuana edibles infused with up to 750 mg of THC. The law took effect on July 1, 2023, which is when the first recreational marijuana store opened.
Regulations for the marijuana industry is overseen by the Maryland Cannabis Administration, with the Division of Cannabis Regulation and Enforcement tasked with reviewing, approving and issuing licenses for marijuana businesses. The Maryland Cannabis Administration is the group responsible for compiling and publicly releasing marijuana sales data.
Under the new law marijuana is taxed at 9%, with medical marijuana patients exempt. Localities are not allowed to ban dual outlets that sell medical and recreational marijuana, nor can they establish a city specific tax.


[Boston, Massachusetts]: None listed, July 14, 1816. Ephemera no binding. [BROADSIDE]. Direct Tax, 1816., 11th Collection District, Massachusetts, July 14, 1816.
18 ½” x 11”; printed broadside; old ink inscription to rear; 4 horizontal creases with age-toning of paper on verso, light vertical crease, chipping of edges, 3 small holes, 2 have loss of printing, old repair of paper on verso; very good minus. Very good +. Item #1175
Printed broadside of names and addresses of persons in Boston with unpaid property tax. Tax payment with ten percent interest is demanded by August 14, 1817 or the property will be sold at public sale. Columns list the name of taxable persons, number of the Ward, description of the property and amount of tax owed.


In an effort to help our residents, we are putting the Master Policy online for you to download and email as an attachment to your mortgage lender/holder. Both "A" and "B" buildings are listed.
As an option, you may also suggest to your mortgage holder that they visit this web site and click on the insurance tab, to print the requested policies of all insurance out on their own, to expedite their insurance request immediately.
If they request further information, please call or email us the mortgage holder information, loan number and requested update.
The 2017 insurance certificate and the 2017 FEMA rezone letter for "A" and "B" Buildings are linked below.


With over 33 years of legal experience, Dr. Habib Al Mulla is one of the UAE’s most highly respected personalities and has drafted many of the modern legislative structures in Dubai today. He was Founder and CEO of Habib Al Mulla & Associates in the UAE, and following the merger with Becker McKenzie, became Head of Baker McKenzie Habib Al Mulla's office.
Dr. Al Mulla is consulted to draft and offer law advice, both on federal and emirate levels. He created the concept of financial free zones in the UAE and was the architect of the legal framework establishing the Dubai International Financial Centre, the first financial free zone in the UAE.
In 2014, he was the chairman of the board of trustees for Dubai International Arbitration Centre, Chairman of the Chartered Institute of Arbitrators, Chairman of the Legislative Committee of Dubai Financial Services Authority, Director of the Institute of Advanced Legal and Judicial Studies, and Chairman of UAE Jurists Association.
He holds an LLB in Sharia and Law from the UAE University, a Master of Law from Harvard University and a PhD from Cambridge University.


We have introduced a more convenient way to pay for trips, after school clubs and much more online, using a secure service called SchoolMoney.Making secure payments online using your credit or debit card
SchoolMoney offers you the freedom to make payments whenever and wherever you like, 24 hours a day, 7 days a week, safe in the knowledge that the technology used is of the highest internet security available.
You will have a secure online account, activated using a unique username and password, which you can request from firstname.lastname@example.org if you have not already received it. If you have more than one child at our school, you can create a single account login for all your children.
For further details on setting up your account please download the guide here


Finding Inspiration in Every Turn
Algorithmic Trading Group (ATG) Limited is a young, vibrant and growing electronic proprietary trading firm, with offices in Amsterdam and Hong Kong. We trade the major futures and equity markets in Europe, Asia and America on an almost 24/5 basis. Although small-sized, we have been consistently growing since our 2009 Hong Kong inception and always on the lookout for talented team players who are enthusiastic about the financial markets and want to be part of a growing and ambitious company. We’re proud of our open culture and believe in empowerment and autonomy instead of supervision. With challenging projects in an atmosphere that’s informal and collaborative, no day is the same!


You instinctively know that a financial services company *probably shouldn’t be running Google shopping ads like Nike is. And you don’t need a marketing guru to tell you that it *may not be appropriate for a family lawyer to be doing TikTok videos – tempting as that may be for some of us.
Professional services businesses differ from product-based or retail businesses in several important ways. And these differences necessitate a different approach to marketing – one that is more meaningful, respectful and patient. These principles especially apply to the following professional services business types:
- Accounting firms
- Financial services companies
- Law firms
- HR consultancies
- Engineering consultancies
- Business advisory firms
- Medical, dental and allied health practices
Before we jump into a discussion of HOW professional services businesses should approach marketing, this article takes a step back to discuss WHY professional services businesses need to approach marketing differently.
Difference 1: Intimate in Nature
Generally speaking, there is a high degree of “intimacy” involved in services like legal consultations, accounting, or business advisory. Often, sensitive or confidential information needs to be exchanged in order for the service to be effective. This makes trust not just a nice-to-have, but an absolute essential for professional services businesses – far more important than for a product or retail businesses where customer-brand relationships are more transactional, straightforward and less personal.
Difference 2: Intangibility of Services
Here’s another quirk of professional services firms. Unlike physical products, services are intangible and therefore harder to quantify. What’s the value of a nugget of legal advice? How much benefit is a client getting from business advisory services delivered by their accountant? Lots for one client, less for another. The fluidity of this intangible value creates the need for the service provider to better articulate their value proposition. And this isn’t about coining the perfect pitch or sentence. Rather, it is about first understanding the outcome the client is craving, and then helping them see that it is attainable with your service.
Difference 3: Sales Cycle Complexity
Professional services often involve complex and longer sales cycles. Generally, the lead requires multiple interactions before a decision is made. Think about how someone selects the right lawyer to represent them in a divorce, or the right financial planner to help them attain financial freedom – these decisions are never made lightly. An impatient or salesy approach exudes a lack of professionalism and also puts undue pressure on even a warm lead. Wisdom and restraint here is critical.
Difference 4: Importance of Personal Branding
In professional services, the consultant herself / himself is often the product. It’s less about the technology or system or IP that is being used in the provision of service. So much of the value and customer experience boils down to the consultant that is delivering the service. As such, building personal brands are essential. Many professional services business consultants struggle with the idea of being the face of the brand. “Thought leadership” is thought to be crude / distasteful and viewed with disdain. But being able to embrace this idea of personal branding is critical for business growth.
Difference 5: High Customer Lifetime Value (CLTV)
Clients in professional services often have a high lifetime value. This means that acquiring a new client can bring significant long-term revenue. An accounting firm that runs quarterly reports for their microcap audience will have a 5-year CLTV of $125,000 per client! RSPCA Australia tells us that on average, a dog is worth $25,000 to a vet. A financial advisor can earn over $50,000 from a single client over a course of 10 years. What all of this means to a professional services business is that a higher upfront investment in client acquisition might be justified.
Difference 6: Heavy Reliance on Referral and Word-of-Mouth
Word-of-mouth and referrals can be the most important growth channels for professional services business. This largely has to do with the ease of inherited trust – when an existing client refers you onwards, the fresh lead inherits the trust of the original client. Their story sells it – which makes it easy for you. But, the only downside to relying on word-of-mouth is that it is largely a passive tactic. A business with growth aspirations can’t afford to wait around for the ebb and flow of referrals. Hope is not a tactic. The best professional service businesses actively catalyse referrals.
Professional services businesses need to think different
The marketing tactics that work for most product and retail businesses will not work for a professional services business. Owners need to approach things differently.
From the unique intricacies of client trust to the complexity of sales cycles and the importance of personal branding, marketing for professional services demands a more nuanced approach. This article has peeled back the layers to reveal WHY such a specialised focus is crucial, laying the groundwork for this deep dive into the HOW – tailored marketing strategies for professional services businesses. In that article we pivot from understanding these key differences to actionable marketing tactics that could transform your professional services business and help you grow.


Thank you for seeking our services. As you will notice, actual fees are not listed as they are established by the individual professional. However, below is general information that you may need to know.
- Psychological services are not covered by OHIP, but many extended health care insurance plans cover all or a portion of the cost.
- Reimbursement from extended health plans may require a written referral from your physician.
- Fees are paid at the time of service, and a receipt is issued at the time of payment for reimbursement by your insurer.
- Obtaining reimbursement from third party insurance companies is the responsibility of the client.
- Fees can be paid by personal cheque, cash, debit, Visa, MasterCard, or e-transfer. Please check with your clinician about the different payment options they accept.
- Psychological services are exempt from HST and may qualify as a medical expense for income tax purposes.
- A fee of $10.00 will be charged for a cheque returned for any reason. A charge will also be applied if appointments are missed or cancelled with less than 24 hours notice.
Please be sure that you check the following with your insurance company:
- Whether psychological services are covered by the policy.
- Whether all members of the family are covered.
- Whether the policy pays a set amount per visit, a portion of the fee per visit, or a total amount regardless of the number of sessions.
- The time period covered by the policy (e.g. a certain amount per calendar year, a fixed number of sessions per year, etc.).
- Whether the session length is specified (e.g. per half hour, per unit, per hour).
- Whether your policy requires a physician’s referral, which will need to be sent to the insurance company with your claim.
- If different members of the same family are seen, it may be possible to bill each individual for a portion of the fees, thereby maximizing the insurance coverage. If a written referral from your physician is required, the written referral will need to reflect this.
- Most insurance companies accept and reimburse based on regular receipts. However, upon specific request, an itemized statement can be provided.


We recognize the financial strain many face when trying to pay for camp and we do not want to leave anyone out. More than ever, we believe that experiences like this are extremely valuable for today’s youth. We strive to be flexible and are willing to work with families to help make camp possible.
You will be able to apply for a scholarship after your camper’s registration is complete (confirmed or waitlisted). Scholarship applications must be complete within two weeks of registration.
In order to complete registration a $200 deposit will be required unless your camper is waitlisted. If you have concerns about paying the deposit, please contact our registrar and we would be happy to work out a payment plan.


Maximizing Your Profit
After more than 25 years of negotiating and buying cars, we are experts at what we do. However, one of the biggest reasons we can offer you great prices is we keep our overhead low. Since we do not "floor" cars - like other dealers do - our overhead is controlled. This means we can afford to offer you cars at far lower prices. Our mark-up doesn’t change even when we obtain a car for a super low price -- we pass the savings on to you! That’s why we can offer our clients a car that's less expensive than what others charge.
Many dealers won’t show you the invoices of the cars they purchase, but we do. You will know exactly how much was paid for the cars, what the post-sale inspection costs are, our commission, and various other costs. We want to develop long-term relationships with our customers and the best way to do that is to trust who you are dealing with.


DeFi stands for decentralized financial applications, which aims to democratize the economic environment by eliminating centralized institutions like brokerages, banks, and exchanges.This is similar to how Bitcoin and Ethereum work, where a collection of entities keeps track of transactions rather than a single organization. Transacting with DeFi goes beyond basic transfers to more complicated financial use cases.Using smart contracts, which execute transactions automatically if specific criteria are satisfied, allows this.
How to Invest in Decentralized Finance
DeFi platforms and applications now offer a comprehensive range of financial services. From trading to loans, decentralized exchanges, asset management, and more.
You may invest in DeFi in various ways. These choices include Buy and Sell Tokens in which you buy DeFi money at a cheaper price (like other cryptocurrencies do) and sell it when the price rises.
Joining a lending platform and providing cash to infuse liquidity and earning interest from borrowers is the second way.
The third popular investment method is Yield Farming, where you transfer your crypto assets between projects to give liquidity to the network while earning income.
Top DeFi Coins
If you want to invest in DeFi, check for coins like Uniswap (UNI), which dominates the market. Launched at $2.94 in September 2020, the currency has grown over 110% to $35.80 and a market worth of nearly $18 billion.
FTM coin started the year at $0.018 and is now trading at $1.79 in September 2021, a return of almost 5000 percent.
Chainlink (LINK) is a popular DeFi Coin that feeds real-world data to blockchain smart contracts. If you want to invest in a DeFi coin, look at LINK, which beat the market in 2021.
Its scalable smart contract platform facilitates the construction of decentralized apps (dApps) and digital assets. Aave (AAVE) is another popular DeFi coin that is utilized as high return savings account for cryptocurrencies and stablecoins.
Finally, Dai (DAI) is a DeFi coin that is pegged to the US Dollar and so avoids the crypto market’s volatility. With a market valuation of over $4 billion, DAI is one of the greatest and most popular DeFi currencies to consider if you want to invest safely.
Now that you know everything about how to invest in decentralized finance, it’s time to look into this new cryptocurrency type. Start your crypto journey to maximize the benefits of emerging technology.


Vintage prints and negatives in the Teenie Harris Archive were acquired with funds provided by the Heinz Family Fund, the Second Century Acquisition Fund, Milton and Nancy Washington, and by gift of the artist and the Harris Estate. Cataloging and scanning of the Teenie Harris Archive is supported by a National Endowment for the Humanities Grant for Preserving and Creating Access to Humanities Collections.
Major support for this exhibition was provided by PNC Financial Services Group, Inc., the National Endowment for the Humanities, and Richard King Mellon Foundation. Support was also provided by The Heinz Endowments and the Virginia Kaufman Fund. Support for the exhibition soundtrack was provided by BNY Mellon. Other generous support was provided by The Pittsburgh Foundation, The Fellows of Carnegie Museum of Art, and the Beal Publication Fund.


- JOR (Urdu) Submission Fee Rs. 5000/-
JOR (Urdu) Submission Fee Rs. 5000/-
On the recommendation of Finance & Planning Committee, Vice Chancellor Bahauddin Zakariya University has approved that Rs. 5000/- may be charged as 'research paper submission fee' at the time of submission of research paper to Journal of Research (Urdu).
Researchers/ scholars/ authors may deposit the fee in HBL (BZU Branch) Account # 12717900643601 or transfer online. Receipt or Proof of transfer is required with the article to be submitted to JOR (Urdu). This decision would help JOR (Urdu) and all other research journals to produce their own funding for maintaining the standards of publishing, said vice chancellor Prof. Dr. Tariq Mahmood Ansari in a meeting with the editorial board of JOR (Urdu).
All the scholars who have submitted their research papers to JOR (Urdu) on/after the date of notification i.e 01-08-2019 should immediately deposit the research paper submission fee in the bank account number given above to avoid any delay in review process. They may send the receipt of deposit or proof of transfer via email at: email@example.com


A copy of the proposed FY 2023-24 Budget was provided to the City Council at their May 2, 2023 regular meeting. The City Council conducted their Budget Workshop on Monday, May 8 2023 at 6:00 PM at Town Center.
The proposed FY 2023-24 Budget was added to the City's website following the Budget Workshop on May 9, 2023 in order to provide the public as much time as possible to review the budget prior to City Council action. The proposed FY 2023-24 Budget was placed on the agenda for a Public Hearing and subsequent action by the City Council at their regular meeting on June 6, 2023. The FY 2023-24 Budget was unanimously approved at that meeting.
All questions asked by the City Council and the public regarding the FY 2023-24 Budget, as well as the answers to those questions provided by staff, will be added to budget section of the City's website for information purposes.
In addition to the FY 2023-24 Budget being available on the website, a hard copy is also available for public review at the Mustang Library.
Any questions regarding the FY 2023-24 Budget should be directed to Mustang City Manager Timothy Rooney.
All of the above referenced budget information can be reviewed here.


One of the most important obstacles hindering sustainable aquaculture development in Egypt is the feed, maintaining quality and reasonable price point.
Fish food contributes to about 75 to 85% of the running costs of fish production.
The fish feed prices have increased tremendously in the last few years in Egypt and comprises a large proportion of the farm costs. This increase has been attributed to the importation of ingredients and increased foreign currency exchange rates. The price of fish feed are continuously increasing without much increase in the price of the final product, impacting economic feasibility.
Moreover, the farmers usually must buy feed on credit which puts an additional burden on them.


If you have not already heard, this year's sales tax holiday started on Friday, August 7, 2015 at 12:01 AM and runs until Sunday, August 16, 2015 at 11:59 PM.
During this period, no state sales tax or local option tax will be collected on the sales of clothing; footwear; certain accessories selling for $100 or less per item; certain school supplies selling for $15 or less per item; and on the first $750 of the sales price for computers and certain computer-related accessories when purchased for noncommercial home or personal use.
The Florida Department of Revenue created several documents with lists of eligible items and answers to frequently asked questions. You can download these documents below.
- Tax Information Publication 15A01-05
- Clothing Items List
- School Supply Items List
- Computer Items List
- FAQs for Taxpayers
- FAQs for Business Owners
This sales tax holiday was created by the Florida Legislature during 2015 Special Session A. Contained within House Bill 33-A, it was passed by the legislature and then signed into law by the governor on Tuesday, June 16, 2015 as Chapter 2015-221, Section 28, Laws of Florida.


Commemorate a loved one’s birthday or Yahrzeit by making a donation to JCGC. Donations of $36, $54, $108, $144 or whatever amount you choose can be made to Jewish Cemeteries of Greater Cincinnati by check or online. Donations will qualify for a tax deduction as JCGC is a 501 C(3) corporation. Checks should made payable to Jewish Cemeteries of Greater Cincinnati and mailed to 3400 Montgomery Rd., Cincinnati, OH 45207. To donate online, click the PayPal button below.
All donations go towards a “Special Repairs” fund that is used to fund needed repairs and to keep our cemeteries well maintained.
Cemetery Plot Donations
You may also donate unused cemetery plots to JCGC. Please contact our office at 513-961-0178 for details.


For Christmas my daughter had given me a Kiva gift certificate. If you're like me, I had never heard of Kiva. Here is some info from their website on how it works:
Kiva's mission is to connect people through lending for the sake of alleviating poverty.
Kiva is the world's first person-to-person micro-lending website, empowering individuals to lend directly to unique entrepreneurs around the globe.
The people you see on Kiva's site are real individuals in need of funding - not marketing material. When you browse entrepreneurs' profiles on the site, choose someone to lend to, and then make a loan, you are helping a real person make great strides towards economic independence and improve life for themselves, their family, and their community. Throughout the course of the loan (usually 6-12 months), you can receive email journal updates and track repayments. Then, when you get your loan money back, you can relend to someone else in need.
Kiva partners with existing expert microfinance institutions. In doing so, we gain access to outstanding entrepreneurs from impoverished communities world-wide. Our partners are experts in choosing qualified entrepreneurs. That said, they are usually short on funds. Through Kiva, our partners upload their entrepreneur profiles directly to the site so you can lend to them. When you do, not only do you get a unique experience connecting to a specific entrepreneur on the other side of the planet, but our microfinance partners can do more of what they do, more efficiently.
Kiva provides a data-rich, transparent lending platform. We are constantly working to make the system more transparent to show how money flows throughout the entire cycle, and what effect it has on the people and institutions lending it, borrowing it, and managing it along the way. To do this, we are using the power of the internet to facilitate one-to-one connections that were previously prohibitively expensive. Child sponsorship has always been a high overhead business. Kiva creates a similar interpersonal connection at much lower costs due to the instant, inexpensive nature of internet delivery. The individuals featured on our website are real people who need a loan and are waiting for socially-minded individuals like you to lend them money.
Isn't that cool ? I think our government and lending institutions could take notes from KIVA on "transparency of lending". After looking at many profiles, here is who I chose to support with my gift certificate:
Beatrice Etrue is the 40-year-old divorced mother of four children, two currently in senior high school, one in junior high and one in primary school. She lives with her children in a rented apartment in the fishing community of Elmina, one of the country’s tourist attraction centres, near Cape Coast in the Central Region of Ghana. For the past ten years, Beatrice has worked hard as a trader to earn some income to support the family. She deals in all kinds of drinks – malt, fan milk, fan ice, etc., procuring them from wholesale dealers in the regional capital, Cape Coast, and selling in the community market. Beatrice also distributes to other retailers in her community and nearby communities. She is now requesting a loan to procure the products in bulk.
When Beatrice repays my loan, I can then loan it out again to someone else. It is such a neat organization with 100% of the loans going to the loan recipients. People helping people....the way it should be. I was so touched when my daughter gave me this...I have always emphasized with my kids that Christmas is not about presents and monetary things. I feel most holidays have gotten way too commercialized but if we want it to change, it has to begin with us.
Since my 83 yr. old mom has her own candy and jelly making business, my daughter loaned a woman bakery entrepreneur money, in my mom's name, through the KIVA organization. What a wonderful legacy ......to fulfill someone's dreams of owning a business. ...the same kind of business we have been fortunate to own.
I encourage you to check out their web site and see what a positive impact you can make on someone's life....http://www.kiva.org


Plenary Session of The House of Representative on Thursday 28th May 2020
- Speaker of the House of Representatives reads a letter of communication from President Muhammadu Buhari seeking approval for the revised 2020-2022 mid-term expenditure framework (MTEF) and 2020 National Budget as “it is necessary due to the sharp cut in the global oil price as well as drop-in local oil production.”President Muhammadu Buhari is also seeking the House approval to borrow locally & internationally to finance capital projects as well as finance projects to support state governors in the 2020 budget The letter was referred to the House Committee on loans & debt management
- A Bill for an Act to Amend the Appropriations Act, 2020 to Authorize the issue from the Consolidated Revenue Fund of the Federation the total sum of N10,509,654,033,053 (N10.5 trillion naira) has passed second reading. Out of the N10.5 trillion naira, N398,505,979,362 (Three Hundred and Ninety-Eight Billion, Five Hundred and Five Million, Nine Hundred and Seventy-Nine Thousand, Three Hundred and Sixty-Two Naira) only, is for Statutory Transfers. While N2,951,710,000,000 (Two Trillion, Nine Hundred and Fifty-One Billion, Seven Hundred and Ten Million Naira) only, is for Debt Service.
- Recurrent expenditure is budgeted to be N4,928,525,467,849 (Four Trillion, Nine Hundred and Twenty- Eight Billion, Five Hundred and Twenty-Five Million, Four Hundred and Sixty-Seven Thousand, Eight Hundred and Forty-Nine Naira) only (Non-Debt Expenditure) While the sum of N2,230,912,585,842 (Two Trillion, Two Hundred & Thirty Billion, Nine Hundred & Twelve Million, Five Hundred & Eighty – Five Thousand, Eight Hundred and Forty-Two Naira) only, is for contribution to the Development Fund for Capital Expenditure.
- Henry Nwawuba laid a report of the Adhoc committee chairman on the $10 million bribery allegation made against the House.
- A motion of adjournment was moved by the House leader Alhassan Ado Doguwa, Rep. and seconded by Rep. Abubakar Hassan Fulata, the House adjourned Plenary till Tuesday, June 2nd, 2020.


What does money look like in Australia? How much are the coins worth? You’re about to find out! Learn about money from down under with our online Australia coins.
These virtual Australia coins help students learn about money and its value in Australia. Money around the world comes in different shapes, sizes, and values. These virtual coins from Australia are similar in color and shape to the real coins. Add coins to the work area by clicking, dragging, and dropping them. You can also add numbers to the workspace. Add your own notes, draw pictures, and circle groups of coins with the pencil tool. Erase your pencil drawings with the eraser. Clear the workspace with the trash can button.
How can you use the virtual Australia coins for learning in the classroom?
- Compare the values of Australia coins with other coins such as coins from the United States.
- Challenge students to show $5 in Australian coins in 5 different ways.
- Draw different items for sale using the pencil tool. Add prices for each. Then, ask students to “pay” for items using the correct online Australia coins.
Visit classplayground.com for more money activities and printables.


Our company is acutely passionate about it objective even as we usually make use of customers who possess dropped to the vicious cycle of payday loan financial obligation.
Our Executive Director Michal Marcus appeared on NPR to go over loan that is payday reform and speak about HFLAвЂ™s make use of payday advances.
The next is adapted from that discussion. To listen to the conversation on your own, follow this link.
Exactly What Are Pay Day Loans?
Based on the customer Financial Protection Bureau, a cash advance is a reasonably tiny amount of money lent at a higher rate of interest in the contract it will be paid back as soon as the debtor gets their next paycheck.
Customers frequently sign up for payday advances for a one-time unanticipated cost like a car or https://carolinapaydayloans.org truck fix or bill that is medical. Pay day loans became appropriate in Ohio in 1995 as soon as the pay day loan Act ended up being authorized.
The difficulty with Payday Advances
Pay day loans in Ohio frequently reach an effective rate of interest of almost 600%. The greatest price HFLA has seen is 789%, nevertheless the average the company sees ranges from 100% to 400% APR for starters loan.
Loan providers additionally usually need borrowers to cover back once again the loans in a unrealistically brief timeframe, like a couple of weeks. In this case, the debtor frequently has two results:
- They usually have the funds to cover the loan back, however the high rates of interest efficiently get rid of their paycheck, making these with absolutely nothing to go on for the following fourteen days.
- They don’t have the income to cover back the mortgage, nevertheless they do have the funds to pay for right straight straight back the 2 daysвЂ™ interest cost plus the loan provider merely rolls the mortgage over another fourteen days with gathering interest.
This results in a door that is revolving in which borrowers are taking out more pay day loans to pay for the debt theyвЂ™re already in, often having 3-5 loans at the same time.
In Michal MarcusвЂ™s experience, payday loan providers additionally often result in the payback procedure difficult, refusing to take certified checks or asking additional to deliver checks for their offices that are corporate
Cash Advance Legislation
In 2008, Ohio lawmakers recognized the issues with pay day loans and tried to produce legislation to repair these problems.
They capped loan that is payday prices at 28%, capped maximum loan amounts, and declared that the period of loans could maybe maybe maybe not be not as much as 31 times.
But, payday loan providers discovered loopholes all over legislation by registering for certification underneath the Ohio Mortgage Lending Act or as a credit solution company. Today you will find 650 payday loan provider storefronts in Ohio and never one is registered beneath the 2008 legislation.
Ohio State Representative Kyle Koehler has proposed a fresh bill to completely clean within the 2008 cash advance legislation. The brand new bill will:
- Close the credit solution certification loophole.
- Limit loans to under $5,000.
- Declare that the lending company cannot need the debtor to pay for right right back significantly more than 5% of the gross pay in a pay duration (effortlessly extending the re re re payment duration and preventing payback that is two-week).
- Limit fees that are monthly a optimum of $20 or 5percent associated with the loan, whichever is more.
The payday financing reform bill, Ohio home Bill 123, happens to be assigned into the home Government Accountability & Oversight Committee, chaired by Rep. Louis вЂњBillвЂ™вЂ™ Blessing III, R-District 29, whom represents section of Hamilton County.
For information about how to guide this legislation, click on this link.
Join us within the battle against payday advances by showing your help for Ohio home Bill 123 ( website link) and also by becoming an HFLA donor. Donate now and determine exacltly what the bucks may do.


At Shop4Tele, we understand the importance of providing flexible payment options to our valued customers. We are pleased to offer NET 30 credit terms to libraries, schools, government institutions, medical facilities, and qualified businesses. Our credit terms aim to simplify the purchasing process and streamline monthly expenses tracking.
NET 30 Credit Terms:
Shop4Tele extends NET 30 credit terms to eligible customers, allowing you to pay off your orders within 30 days from the date of purchase. This provides you with the convenience of receiving the products and services you need promptly while giving you ample time to complete payment.
Lines of Credit:
By establishing a line of credit with Shop4Tele, you gain the benefit of greater financial flexibility. Our lines of credit enable you to place orders and pay them off gradually within the agreed-upon credit terms. This arrangement provides you with more control over your budget and helps you manage your cash flow effectively.
Purchase Orders Requirement:
To process any NET 30 order, we require a valid purchase order (PO) from your organization. Purchase orders ensure proper documentation and serve as a formal agreement between our company and your institution. Please make sure to include all necessary details, such as billing and shipping addresses, contact information, item descriptions, quantities, and agreed-upon pricing.
Once we receive your purchase order, our dedicated team will review and process it promptly. We strive to fulfill all orders efficiently, ensuring that you receive your products and services in a timely manner. Our goal is to provide you with exceptional customer service and a seamless purchasing experience.
Qualifying for Credit Terms:
Our team will assess your creditworthiness based on various factors, such as financial stability and payment history. Upon approval, you will have the option to establish a line of credit with Shop4Tele.
If you would like to apply for terms, please download our credit application and email it to firstname.lastname@example.org.


The Financial Burden of Home Cooking
Let’s delve into an example of a businessman living in an urban environment where the cost per square meter is high. Imagine you’re allocating 18% of your living space to the kitchen. For a spending of $3,000 per month on a decent-sized apartment, that’s about $540 dedicated to the kitchen. Managing meal preparations can take up a significant portion of your time – a precious resource as an entrepreneur where time is indeed money.
If you spend about 2 hours daily to prepare meals, with an average hourly rate of your time as $31 (assuming an annual salary of around $65,000), that’s a hefty daily cost of $62. Count in another $10 daily for groceries and utilities, the daily cost of home cooking comes up to $74.
The Alternatives: Eating Out vs. Meal Delivery
As an alternative, let’s consider eating out. With a city’s average meal cost ranging from $10 to $20, eating out twice a day would cost you between $20 and $40 daily. Without considering the opportunity cost of your time, this might look like a cost-effective alternative. Yet, remember that time spent commuting to and finding a restaurant and waiting for your order to be prepared shouldn’t be overlooked.
Considering meal delivery services, they typically charge between $15 and $30 for a meal for two. Ordering twice a day for yourself from DoorDash or Uber Eats would cost between $30 and $60 daily. While it might save you from the headaches of meal prep, it could bring another dilemma – What’s the point of maintaining that costly kitchen area if it’s not frequently utilized?
However, it’s important to note that for individuals with food restrictions or allergies, the level of trust in ordering food falls a notch down. Many a time, the fear of cross-contamination lingers, thus subtracting from the overall meal enjoyment.
Behold, the Magic of Batch Cooking
In contrast, if we switch our lens to batch cooking, the economy of scale comes to play. Let’s say the average cost of a meal goes down to $1.5 when cooked in bulk. If you choose this method of cooking twice weekly, your daily meal expense drops to roughly $6. That, along with your kitchen rent and utilities, can get you an overall daily cost of around $24.
You might wonder about the hefty time consumption. However, the reality is batch cooking often takes few extra minutes per meal than cooking single portions each time. Moreover, inviting friends over for meals at home becomes a more viable option, fostering networking and socializing without spending premium restaurant costs.
Cashing in on Communal Kitchens
In times when optimizing costs and space is critical, shared kitchens seem to score well. Especially for entrepreneurs emphasizing lean living, it aligns with the concept of the ‘sharing economy.’ Communal kitchens allow pooling of resources, fostering bulk purchase discounts and potential group cooking sessions, thus saving cost and time.
In conclusion, batch cooking paired with shared kitchen spaces can drastically cut down expenses and time in managing meals for urban entrepreneurs. It merges the goals of reducing costs, boosting social interactions, and promoting healthier meal choices. It’s high time urban dwellers reimagined the way they cook and eat, fitting in perfectly with their fast-paced, cost-optimized lifestyles.


Armstrong McCready is a member of:
Armstrong-McCready Inc. was incorporated in 1977 as an independent brokerage and consulting firm, specializing in Insurance and Financial services.
As independent brokers and consultants, we represent our client’s interests and we are not agents of any one insurance company or financial institution. This allows us to recommend the best choice for our clients.
With over 40 years experience, we provide the personal service that our client's require.
We are always available to personally assist our clients and answer any questions they may have.
640 Bord Du Lac
Tel : 514-636-5351; Fax : 514-636-8268


A Precious Metal and Paper Currency IRA is an investing strategy that can help you diversify your investments while still keeping up with the safety of a traditional IRA. This type of investment plan is appealing for many people because it offers tax-deferred growth, low-cost storage, and longevity. But what are the benefits? This blog post by RareMetalBlog will explore how a Precious Metal and Paper Currency IRA works in more detail to provide you with all the information that you need to make an informed decision about whether or not it’s right for you.
Benefits of precious metals:
- Precious metals have a low correlation with stocks: This means they can help diversify your portfolio.
- Precious metals offer a hedge against inflation: Gold and silver have been used as currency for centuries because they maintain their value.
- Precious metals are more liquid than less-liquid assets: You can sell your gold or silver quickly if the need arises.
- Precious metals can be used as collateral: You may need to take out a loan, and you will have better luck if your assets are made of precious metal.
- Precious metals can be easily stored: Storing gold and silver is very easy.
- Precious metals are some of the safest investments available.
Benefits of paper currency:
- Paper currency is a haven during market crashes: Gold and silver prices tend to fall when the stock market falls, but that’s not always the case with paper money.
- Paper currency is very liquid: You can trade paper money for gold or silver in an emergency.
- Paper currency can be carried with you: You may need to leave your house in a hurry.
- Paper currency can be used if there is an electrical outage: You will have no problems using cash at the ATM or in stores.
- Paper currency is backed by the full faith and credit of the U.S.: This means that you can trust it to hold its value, unlike other currencies in foreign countries.
What types of accounts can I open?
There are two main options for opening a precious metal IRA: traditional and Roth.
Traditional IRA (or Paper Currency Individual Retirement Account). A regular paper currency or precious metals individual retirement account is suitable if you want to make contributions with pre-tax dollars and defer taxes until you withdraw the funds in retirement.
Roth IRA (or Precious Metal Individual Retirement Account). A Roth IRA is an individual retirement account that accepts only post-tax contributions; withdrawals are tax-free. You can open either one on your own or with an advisor, such as Apex 401k LLC.
In conclusion, there are many benefits to having paper currency and precious metals in your retirement account.


When acquiring estimates from moving business, you may discover that some movers do things in a different way than others. You may or may not be familiar with the three different kinds of price quotes that you get from a moving business - binding quotes, non-binding estimates, and binding not-to-exceed quotes.
However how moving companies provide estimates also varies, and can considerably impact not only your preliminary quote, however the overall amount of money you pay for the relocation when whatever is said and done. Continue reading to find out the difference in between getting a quote over the phone or in-person at your home.
How phone estimates are carried out
Phone quotes, while common, are not the preferred technique for receiving price quotes from a moving company for a variety of factors, except for under a handful of circumstances.
The walk through. Due to the fact that it looks like such an easy option, lots of people will contact a moving business and stroll the salesperson on the phone through all the rooms in their home, discussing the amount of furnishings, boxes, clothing, etc. that will be consisted of in the move.
The quote. The moving business then offers the customer with a quote, which is usually a really low quote that seems luring to the client.
All is well and great till the end of the move, when the customer gets the last bill and sees that it is nearly double the amount he was priced quote over the phone. While sometimes this situation is a part of a larger moving scams scam that is developed to deceive the client from the beginning and hold products captive up until he or she pays the complete amount, it can likewise be due to a truthful misconception of the full scope of the move.
To prevent both of these possible scenarios, it's typically best to prevent phone estimates completely.
Benefits of phone quotes
Naturally, just like anything, there are benefits and drawbacks to receiving an over-the-phone price quote. Here are some reasons why getting a phone quote might work much better for you:
It's quick and simple. Maybe the most obvious advantage to receiving a have a peek at this web-site phone quote is the fact that it's a lot more hassle-free to talk to an agent and receive a quote over the phone, instead of scheduling time for somebody to come to your house and have a look at all of your belongings-- particularly if you're hectic with your more info move preparation and do not have a lot of leisure time.
You're carrying on short notification and don't have time for an in-person quote. Obviously, this example is an uncommon scenario that may take place if you're forced to transfer on very brief notification. If you just got a promo and need to move across the country in 5 days to start training for your new position, your only option may be to receive an over-the-phone price quote.
Your relocation is relatively little. Another time when an over-the-phone estimate may not be such a bad idea is when you don't have excessive things to take with you. It can be pretty tough to stock the contents of a large move over the phone, however if you're moving a small one-bedroom house with a number of boxes and pieces of furniture, a phone quote need to suffice.
How in-house price quotes are carried out
In-house quotes are normally more structured and effective when compared to phone quotes
A customer will call up a moving company to ask for a quote. The sales representative on the phone will then set up a visit when the movers can come out to the consumer's home to take a look at the rooms and the products being moved.
When the movers get to the clients home for the price quote, they will do a walk-through and go through each room extremely thoroughly, making notes of exactly what is consisted of in the move and estimating the overall weight of the delivery based on what the consumer is moving.
From this careful surveying of your home, the movers get to an initial rate based upon all of the factors involved.
Advantages of internal estimates.
Here are the advantages of internal price quotes:
It's accurate. Allowing the movers to come to your home and study your personal belongings gives them a better idea of what the move requires, allowing them to supply you with the most Check This Out precise estimate possible.
Getting an accurate initial quote can possibly conserve you hundreds, in some cases even thousands, of dollars down the road. The movers will understand precisely what you will be moving and you won't be hit with any last-minute surprises on the moving day.
You will get to meet the movers in person. This is incredibly beneficial, as it enables you to evaluate specific elements of their business that you would not have the ability to merely by consulting with a sales representative over the phone.
You can evaluate their professionalism. Talking with them about the relocation and inquiring any relevant moving questions will permit you to evaluate their professionalism and understanding of the moving market. Understanding these things can save you from potential headaches in the future down the road.


Your Title Insurance and Closing choice for Pennsylvania, New Jersey, Delaware, Maryland and Florida
At All American Abstract, our team of experts are here to professionally, efficiently and quickly handle all of your Pennsylvania, New Jersey, Delaware, Maryland and Florida Real Estate Title Insurance and Closing needs. Whether you are a Consumer, Credit Union, Mortgage Banker, Mortgage Lender, Realtor or Attorney, we are committed to providing world-class personal service to ensure your Real Estate transaction is completed to the highest professional standards.
For over a decade, All American has been providing Residential and Commercial Real Estate Title Insurance and Settlements for Refinance and Purchase Transactions. We are a fully licensed Pennsylvania, New Jersey, Delaware, Maryland and Florida Title Insurance Agent, underwritten by the strong financial resources of Stewart Title Guaranty Company, one of the largest and most well respected Title Insurance underwriters in the Country. Some of our Title and Settlement Services throughout Pennsylvania, New Jersey, Delaware, Maryland and Florida include
- Complete title insurance services for all real estate transactions
- Residential Purchase and Refinance Transactions
- Commercial Purchase and Refinance Transactions
- Foreclosure title Searches
- Escrow and disbursement services
- Settlements/Closings Conducted anywhere and at anytime
- Owned by a Practicing Attorney who focuses solely on Real Estate
- Office staffed by friendly and knowledgeable professionals
By choosing All American for your Pennsylvania, New Jersey, Delaware, Maryland or Florida real estate title insurance needs, rest assured that you have a team of experienced professionals working together to provide you a cost-effective and stress-free transaction.
call (484) 924-8046.
SERVICING THE ENTIRE STATES OF: PA, NJ, DE, MD & FL


Please select the types of vouchers that you wish to purchase and then the quantity of vouchers in each category will be required on the next page.
Please note that vouchers can not be purchased at the gate or meeting point and need to be organized before the event. Sales will be suspended at noon on the day of the Full Moon Desert Drumming if not sold out before.
Account Name : Jupiter Eclipse FZ LLC
Bank Name: First Abu Dhabi Bank ( National Bank of Abu Dhabi )
Bank Address: Mall Of the Emirates Branch, Dubai, UAE
Account Number: 1641323940082010 (Old Number : 6207390041)
IBAN : AE060351641323940082010 ( Old IBAN : AE030350000006207390041)
SWIFT Code: NBADAEAAXXX
All transfer charges will be paid by client
Full Moon Desert Drumming
26th October 2018 - 23rd November 2018 - 21st December 2018


Peoples Company is proud to present 118 acres m/l of Guthrie County farmland that will be sold “Absolute” to the highest bidder at a live public auction on Thursday, March 29th, 2018. The auction will take place at 10:00 A.M. at the Guthrie County State Bank (Barnett Room) in Guthrie Center, Iowa. Farm includes approximately 97.61 cropland acres carrying a CSR2 of 56.8. Primary soil types include Shelby, Sharpsburg, and Colo silty clay loams. Additionally, there are two separate CRP contracts (CP-1 & CP-4D) with an annual payment of $8,337 (65.37 acres with an annual payment of $7,862 enrolled until 2020 and 3.91 acres with an annual payment of $475 enrolled until 2019). The farm would be a great add-on unit to an existing operation or an affordable purchase for a Beginning Farmer / Investor. This versatile property has a blend of income with future uses including CRP re-enrollment, livestock production, and recreational components with 20 acres m/l of timber draws with a creek bed flowing to the east into Brushy Creek. Property is nestled in Section 29 & 30 of Victory Township in Guthrie County, Iowa. The farm lease has been terminated and will be available for the 2018 crop season.
The North Half (N ½) of the Southeast Quarter (SE ¼) of Section Thirty (30), the Northwest Quarter of the Southwest Quarter (NW ¼ SW ¼) of Section Twenty-nine (29), all in Township Eighty (80) North, Range Thirty-one (31) West of the 5th P.M., Guthrie County, Iowa.
FSA Cropland: 97.61 Acres
Corn – 27.6 base acres with a PLC Yield of 112
Farm is currently enrolled in ARC-CO. Wetland Determination has not been completed
Total CRP- 69.28 acres paying approximately $8,337 annually
CP1- 65.37 acres paying $120.22 per acre or approximately $7,862 annually expiring in 2020
CP4D- 3.91 acres paying $121.69 per acre or approximately $475 annually expiring in 2019
From Guthrie Center, Iowa: Travel north on Iowa Highway 25 for 2 miles and property will be located on the right (east) side of Iowa Highway 25. Look for sign.
Guthrie County Land Auction
118 Acres M/L
Thursday, March 29th, 2018
Hayes Family ETAL - Attn: Barry Monaghan as Referee
Guthrie County State Bank - Barnett Room
413 State Street
Guthrie Center, Iowa 50115
Auction Method: Farm will be offered in one individual tract. All bids will be on a price per acre amount.
Farm Program Information: Farm Program Information is provided by the Guthrie County Farm Service Agencies. The figures stated in the marketing material are the best estimates of the Seller and Peoples Company; however, Farm Program Information, base acres, total crop acres, conservation plan, etc. are subject to change when the farm is reconstituted by the Guthrie County FSA and NRCS offices.
Earnest Money Payment: A 10% earnest money payment is required on the day of the auction. The earnest money payment may be paid in the form of cash or check. All funds will be held in the Peoples Company Trust Account.
Closing: Closing will occur on or about Thursday, May 10th, 2018. The balance of the purchase price will be payable at closing in the form of cash, guaranteed check, or wire transfer.
Possession: Full possession of the farm will be given at closing.
Farm Lease: The current farm lease has been terminated. Farm will be open for crop year 2018.
Contract & Title: Immediately upon conclusion of the auction, the high bidder will enter into a real estate sales contract and deposit with Peoples Company the required earnest money payment. The Seller will provide a current abstract at their expense. Sale is not contingent upon Buyer obtaining financing.
Bidder Registration: All prospective bidders must register with Peoples Company and receive a bidder number in order to bid at the auction.
Other: This sale is subject to all easements, covenants, leases, and restrictions of record. All property is sold on an “As is – Where is” basis with no warranties or guarantees, expressed or implied, made by the Auctioneer, Peoples Company, or the Seller. Peoples Company and its representatives are agents of the Seller. Winning bidder(s) acknowledge they are representing themselves in completing the auction sales transaction. Any announcements made auction day by the Auctioneer or Listing Agent will take precedence over all previous marketing material or oral statements. Bidding increments are at the sole discretion of the Auctioneer. No absentee or phone bids will be accepted at the auction without prior approval of the Auctioneer. All decisions of the Auctioneer are final. Existing fences, if any, are in as-is condition and will not be updated or replaced by the sellers.
Disclaimer: All field boundaries are presumed to be accurate according to the best available information and knowledge of the Seller and Peoples Company. Overall tract acres, tillable acres, etc. may vary from figures stated in the marketing material and will be subject to change. Buyer(s) should perform their own investigation of the property prior to bidding at the auction. The brief legal descriptions in the marketing material should not be used in legal documents. Full legal descriptions will be taken from abstract.
Brokers Protected: Clients must be registered with a listing broker at least 48 hours prior to start of auction. Participating brokers please contact auctioneer for details and forms.
Use the Interactive Map to explore the property's regional location. Zoom in and out to see the property's surroundings and toggle various mapping layers on and off in the Map Layer Menu.
Click the “play” button below to watch an aerial drone video of this property.


It has been brought to the attention of the Management of Kings University, Odeomu that some persons are impersonating as staff, agent or representative of Kings University on WhatsApp and others social media, demanding payment from applicants.
This is to inform the general public that Management of Kings University dissociates itself from such individuals and persons and that the University does not collect cash or transfer of funds for any payment through account/s. Anyone who does business with the impersonator does so at his or her own risk.
You are reminded that all applications and payments should be through the admission portal at www.kingsuniversity.edu.ng using ATM cards suitable for such transactions or contact us for further information through e-mail firstname.lastname@example.org.
Dorothy Salami (Mrs.)