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December 2011 • Volume 99 • Number 12 • Page 618
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Estate Planning/Real Estate
The Transfer on Death Instrument Comes to Illinois
By Charles G. Brown
Effective January 1, Illinois law gives your clients a convenient way to transfer residential real estate outside of probate. Here's a tour of the Residential Real Property Transfer on Death Instrument Act by one of its drafters.
On January 1, 2012, Illinois estate planners will have a new tool to help clients transfer assets at death. The Illinois Residential Real Property Transfer on Death Instrument Act ("act")1 authorizes owners to transfer their Illinois residential real estate outside of probate using a prerecorded instrument. To avoid confusion with the term "deed," the act refers to the legal document used to transfer real estate on death as a "Transfer on Death Instrument" ("TODI").2
Illinois joins Wisconsin,3 Indiana,4 Missouri5 and 13 other states6 that have adopted some form of TODI statute. The act was drafted by the ISBA Trusts and Estates Section Council in cooperation with the ISBA Real Estate Section Council and Elder Law Section Council and under the leadership of former ISBA President John O'Brien.
It was largely modeled after the recently adopted Uniform Real Property Transfer on Death Act ("uniform act"), which was drafted by the National Conference of Commissioners on Uniform State Laws and approved by the American Bar Association in 2009.7 However, the Illinois act differs in several important respects. This article will describe key sections of the new law, discussing among other things where and how it differs from the uniform act.
TODI fundamentals
"Residential real estate" defined. The act applies only to "residential real estate." The act mirrors the definition that appears in the Illinois Real Property Disclosure Act8 and the Illinois Code of Civil Procedure9:
[R]eal property improved with not less than one nor more than four residential dwelling units, units in residential cooperatives; or, condominium units, including the limited common elements allocated to the exclusive use thereof that form an integral part of the condominium unit; or a single tract of agriculture real estate consisting of 40 acres or less which is improved with a single family residence.10
While the uniform act and other state statutes do not limit the type of real estate that can be transferred, the ISBA drafters believed the greatest demand for this type of instrument was where the client's only real estate is a principal or vacation residence. Although the scope of the act may be expanded, the limitation to residential real estate allows the title industry, recording officials, and the practicing bar to become familiar with the act and its application.
No irrevocable TODIs. A TODI instrument is revocable at any time prior to the owner's death, even if the TODI itself or another instrument contains a contrary provision.11 The act prohibits an irrevocable TODI. For more, see the "revocation" section below.
Beneficiaries can be corporations, etc. The transfer under the TODI is triggered by the owner's death. Therefore, only a natural person can create a TODI.12 However, a "beneficiary" is any "person" who receives residential real estate under a TODI.13 A "designated beneficiary" is a person who is designated to receive the residential real estate under the TODI.14 The term "person" is broader than the term "owner" and includes not only natural persons, but also any legal entity capable of owning residential real estate, including, but not limited to, a trust, corporation, limited liability company or governmental entity.15
Beneficiaries become owners of the property upon the death of the predecessor owner. The beneficiaries can be designated concurrently or successively. The designation can be contingent upon conditions existing at the owner's death, such as the beneficiary's survival.16
In essence, the owner has the same flexibility in designating the beneficiary under a TODI as he or she has when designating a beneficiary under a will or trust. Something an estate planner must consider before using a TODI is whether title complications might arise if the designation is too complex or requires information beyond the four corners of the document. Conditional designations, or those describing beneficiaries other than by name, can make it hard for the title company to determine whether beneficiaries are properly identified.
TODIs are "nontestamentary." The act contains a statement that a TODI is "nontestamentary" and subject to the laws governing nontestamentary instruments.17 The term "nontestamentary" is not defined in the uniform act. However, the Uniform Probate Code and the Uniform Nonprobate Transfers on Death Act, which is a free-standing version of Article VI of the Uniform Probate Code (herein, collectively, "UPC"), define "nontestamentary" as a provision for a nonprobate transfer on death in an insurance policy, contract of employment, bond, mortgage, promissory note, or "other written instrument of a similar nature."18
The UPC combines transfers by testamentary and nontestamentary instruments for purposes such as creditor claims and statutory allowances to the spouse or children19 and the elective share of a surviving spouse.20 The UPC also has provisions that govern dispositions by both testamentary and nontestamentary means, such as rules governing survival and simultaneous death,21 revocation by divorce,22 homicide,23 and anti-lapse provisions.24
Illinois has not adopted the UPC, but the Illinois Probate Act (probate act) also has provisions that govern transfers by both "testamentary" and "nontestamentary" means.25 Since the TODI is defined as a "nontestamentary" instrument, it, too, will be governed by these provisions of the probate act.
Owner's capacity, agent's lack of authority. To execute or revoke a TODI, an owner must have the same mental capacity as is required to make or revoke a will.26 Unless expressly authorized by a power of attorney or similar instrument, an owner's agent cannot create or revoke a TODI on behalf of the owner.27
This limitation is consistent with the Illinois Power of Attorney Act. The POA act does not give an agent the authority, for example, to revoke or amend a revocable trust on behalf of a principal without specific authority.28 However, an agent granted the general authority to sell may sell the owner's residential real estate during the owner's lifetime, even though the owner has executed and recorded a TODI, so long as the agent acts in good faith.29
Creating a TODI
Recording, other requirements. The act sets out the three minimum requirements for creating and executing a TODI.
First, it must contain the essential elements of a properly recordable inter vivos deed and be executed, witnessed, and acknowledged as set forth in section 45 of the act.30 Second, it must state that the transfer to the designated beneficiary will occur at the owner's death.31 Third, it must be recorded before the owner's death in the public records of the county recorder of the county or counties in which any part of the residential real estate is located.32 Failure to observe any requirement will render the TODI ineffective to transfer the property.33
The act does not provide sample TODI forms. This was an intentional omission. A TODI is a legal document and must be prepared by a lawyer. A TODI must contain all of the essential information required for a recordable inter vivos deed. In general, this includes an accurate legal description of the property;34 the typed or printed name and address of the owners, designated beneficiaries,35 and preparer;36 the typed or printed name of the witnesses and person taking the acknowledgement;37 the name and address of the owner or owners to whom subsequent tax bills are to be sent;38 and any other essential information required by the recorder of deeds.39
As noted above, the TODI must be recorded before the owner's death in each county where any part of the residential real estate is located or it will be void and ineffective.40 The requirement of recordation before death helps to prevent fraud and enables parties to rely on the recording system to establish the beneficiaries' identity and interest. It also prevents a battle of documents if one or more TODIs have been executed but not recorded.
Signing, attestation, and acknowledgement. The TODI must be signed by the owner(s) and acknowledged by someone authorized to take acknowledgements of deeds or instruments of writing.41 In addition, the act requires that the execution be witnessed by at least two disinterested individuals in the owner's presence - i.e., the same procedure required for execution of a will. The two witnesses must attest in writing that the owner executed the TODI in their presence as a free and voluntary act and that at the time of execution they believed the owner to be of sound mind and memory.42
This requirement for witnesses distinguishes the Illinois act from the uniform act and most state versions.43 It was added both to underscore for the owner the significance of executing a TODI for residential real estate and to help protect against elder abuse.
Notice, delivery, and consideration. A TODI is not a deed. Therefore, notice and delivery, normal requirements for an inter vivos deed, are not required for a TODI transfer.44 The act, however, does make acceptance by the beneficiary a precondition to transfer of title at the owner's death.45
Revoking a TODI
Just as a TODI must be recorded to be effective, the act requires any revocation of a TODI to be recorded.46 A prior recorded TODI may be revoked in only two ways: (i) by a subsequent TODI that either expressly or by inconsistency revokes the prior TODI, or (ii) by a instrument of revocation that expressly revokes the prior TODI in whole or in part.47
Attempted revocation by (i) a revocatory act, such as tearing, burning or destroying the TODI, (ii) an unrecorded instrument, or (iii) a provision in the owner's will is not effective.48 The revocation is not effective until it is executed, witnessed, and acknowledged in the same way it was created, and it must be recorded prior to the owner's death where the TODI was recorded.49
The date of the revocation and not the date it is recorded controls which TODI is revoked.50 This helps avoid the battle of documents. Consider the following examples from the commentary to section 11 of the uniform act (not exact quotes).51
Example 1: T executed, acknowledged and recorded a TODI for Blackacre. Later, T executed, acknowledged and recorded a second TODI for Blackacre, containing an express revocation clause revoking "all my prior TODIs for Blackacre." The second TODI revoked the first TODI. The revocation occurred when the second TODI was recorded. (For the result if the second TODI had not contained an express revocation clause, see Example 5 below.)
Example 2: T executed, acknowledged and recorded two TODIs for Blackacre. Both TODIs expressly revoked "all my prior TODIs for Blackacre." The dates of acknowledgment determine which TODI revoked the other. The first TODI was acknowledged November 1; the second TODI was acknowledged December 15. The second TODI is the later acknowledged, so it revoked the first TODI. The revocation occurred when the second TODI was recorded.
Example 3: T executed and acknowledged a TODI for Blackacre. T later executed and acknowledged a revocation form. Both instruments were recorded. Because the revocation form was acknowledged later than the TODI, the form revoked the TODI. The revocation occurred when the form was recorded.
A revocation by inconsistency is illustrated in the following examples contained in the commentary to the uniform act.
Example 5: T executed, acknowledged and recorded a TODI for Blackacre naming X as the designated beneficiary. Later, T executed, acknowledged and recorded a TODI for the same property, Blackacre, containing no express revocation of the earlier TODI but naming Y as the designated beneficiary. Later, T died. The recording of the TODI in favor of Y revoked the TODI in favor of X by inconsistency. At T's death, Y is the owner of Blackacre.
Example 6: T, the owner of Blackacre in fee simple absolute, executed, acknowledged and recorded a TODI for Blackacre naming X as the designated beneficiary. Later, T executed, acknowledged and recorded a TODI containing no express revocation of the earlier deed but naming Y as the designated beneficiary of a life estate in Blackacre. Later, T died. The recording of the TODI in favor of Y partially revoked the TODI in favor of X by inconsistency. At T's death, Y is the owner of a life estate in Blackacre, and X is the owner of the remainder.
The uniform act permits the revocation of a TODI by an inter vivos deed that contains language expressly revoking the TODI in whole or in part. The Illinois act, however, does not, because an inter vivos deed does not require witnesses and its grantor need only possess a mental capacity sufficient to make a contract, not to execute a will.
While a TODI cannot be revoked by an inter vivos deed, an inter vivos deed could actually prevent the TODI from being operative. The law of ademption by extinction, which is recognized in Illinois, means a specific bequest of property cannot occur because the property is not owned by the transferor at death.52 An inter vivos deed properly executed, delivered and accepted during the owner's lifetime could result in an ademption by extinction even if the deed was not recorded prior to the owner's death.53
Any limits on TODI real estate before the owner dies?
As with other forms of statutory nontestamentary dispositions, such as the Illinois Trust and Payable on Death Accounts Act54 and the Uniform TOD Security Registration Act,55 the fundamental feature of the act is that the TODI does not operate until the owner's death. The beneficiary acquires no rights or interest in the property before that happens. Section 60 of the act specifically preserves the right of the owner to deal with his or her residential real estate during life without restriction.56
Section 60 is designed to protect all parties who may have dealings with the owner and the property from having any concern about the rights of the beneficiary. Paragraph (a) of section 60 provides a list of typical interests that are not affected by the fact that a TODI has been recorded.57
For example, a recorded TODI does not affect the right of an owner or agent to sell the residential real estate during the owner's lifetime.58 A TODI does not affect the rights of the owner's creditors and lien holders.59 The designated beneficiary will not thereby become ineligible for public assistance or vulnerable to creditors,60 nor does a recorded TODI create a legal interest the beneficiary can assign prior to the owner's death.61
Like a specific legatee of real estate under a will, the beneficiary of the TODI takes subject to all conveyances, encumbrances, assignments, contracts, options, mortgages, liens and other interests to which the residential real estate is subject at the owner's death.62 The act protects a TODI beneficiary if the owner sells the residential real estate on contract during his lifetime and the contract remains executory at the time of his death.63
As mentioned above, Illinois law recognizes ademption by extinction. The probate act, however, alters the legal consequence of an ademption with respect to specific bequests under a will.64 The probate act provides that if the testator contracts to sell real property specifically bequeathed under the will and the contract is executory when he dies, the specific devise is not adeemed. Instead, the property and the right to the proceeds under the contract pass to the specific devisee, subject to the contract.65 Section 60(b) of the act accords a beneficiary under a TODI the same advantage.66
What if named beneficiaries are missing when the owner dies?
As mentioned above, subject to only a few limitations, the owner's interest is transferred to the beneficiary upon the owner's death. If a designated beneficiary fails to survive the owner or was not legally in existence at the owner's death, the transfer lapses and passes to the estate of the owner unless the TODI provides otherwise or the anti-lapse provision applies (see below).67 A TODI carries no covenants or warranties of title even if the instrument contains a contrary provision.68
Because the UPC's anti-lapse and simultaneous death provisions and the Illinois anti-lapse and simultaneous death statutes do not apply to TODIs,69 the drafters of the act added specific provisions dealing with anti-lapse and simultaneous deaths. Under section 65(a)(3), the descendants of a predeceased designated beneficiary take the residential real estate on a per stirpital basis, assuming the owner does not provide otherwise and the predeceased beneficiary is his or her descendant.70
Similarly, if the designated beneficiary is one of a class and any class member dies before the owner, the living class members take the share the deceased members would have taken. The exception is when a deceased class member is a descendant of the owner, in which case the deceased class member's own living descendants will take the share he would have taken.71
If the owner and designated beneficiary die simultaneously, the act incorporates the probate act provision governing simultaneous deaths involving life insurance.72 If there is insufficient evidence to establish the order of the owner and designated beneficiary's death, the designated beneficiary is presumed to have predeceased the owner, thereby triggering the alternative or contingent beneficiary designation, if any, or the anti-lapse provision, if applicable, or if none then to the owner's estate under section 65(a)(2).73
Other than the anti-lapse and simultaneous death provisions, the act contains no default rules for interpreting a beneficiary designation under the TODI. Drafting and preparing a TODI requires a trained attorney, who must design the beneficiary designation with the same care he or she uses when drafting a will or trust.
Transfers by joint owners
Special rules apply to TODIs executed by joint owners. A "joint owner" is defined as "an individual who owns residential real estate concurrently with one or more other individuals with a right of survivorship."74 This includes joint tenants with right of survivorship and tenants by the entirety.75 It does not, however, include individuals who own residential real estate as tenants in common.76
Joint owners may execute a TODI jointly or severally.77 The execution by a single joint owner does not sever the joint tenancy or tenancy by the entirety.78 If all of the joint owners execute the TODI, it can be revoked only by all then-living joint owners.79
A TODI is revocable by the last surviving joint owner despite any agreement among joint owners not to revoke it.80 If fewer than all joint owners execute a TODI, its fate will be governed by the joint owner who is last to die.81 If the last-to-die joint owner did not execute a TODI, the designation of any prior deceased joint owner is ineffective.82
Notice of death affidavit, acceptance, and effective date of transfer
The transfer of title is effective as of the owner's death upon the filing of a notice of death affidavit and acceptance by the beneficiaries in the offices of the county recorder for any counties where the residential real estate is located.83 This acceptance requirement is missing from the uniform act and most state statutes.
A sample Notice of Death Affidavit and Acceptance of Transfer on Death Instrument is part of the statute.84 The notice of death affidavit and acceptance must contain the name and address of each designated beneficiary taking under the TODI, a legal description of the property, the street address and parcel identification number, the name of the deceased owner, and the date of the owner's death.85 The notice must be signed by each beneficiary or his or her authorized representative.86
The act allows a "disclaimer" of the TODI in the same manner as any nontestamentary instrument.87 The non-acceptance of a TODI, however, is not the same as a disclaimer. A beneficiary who disclaims the transfer is treated as having predeceased the owner, and the property will pass to the alternate beneficiary, if any. The disclaimer relates back to the date of the owner's death, and the designated beneficiary will be treated as never having had an interest in the property.
If the designated beneficiary fails to accept a transfer, on the other hand, the TODI is void and ineffective if not accepted within two years of the owner's death.88 The acceptance requirement was included to let the beneficiary decide whether he or she wants to take title to the property, particularly if it has environmental problems or building code violations.
The two-year acceptance limit came at the urging of the title insurance industry, to provide certainty if the beneficiary does not step forward. Since the act is limited to residential real estate and a TODI must be recorded to be effective, most beneficiaries are likely to accept within a reasonable period.
But charities or non-resident beneficiaries, for example, might be unaware of their designation. Therefore, the act provides that if a beneficiary has not filed an acceptance within 30 days of the owner's death, the personal representative of the owner's estate may take possession of the residential real estate. He or she is entitled to a lien for reasonable expenses incurred in caring for the property until the TODI is accepted89 after making a reasonable attempt to locate and notify the designated beneficiary.90
In addition, a beneficiary may disclaim a TODI in whole or in part, the same as any other nontestamentary bequest, as provided under the Disclaimer Under Nontestamentary Instrument Act.91
Finally, the act contains its own statute of limitations for actions to set aside or contest the validity of a TODI. The limitation period is the earlier of two years after the owner's date of death or six months from the date letters of office, if any, are issued.92 This limitation period is modeled after the one for challenging an inter vivos trust.93
The proliferation of instruments to transfer assets at death outside of probate has been a central development in estate administration in recent decades. Like it or not, almost any property can be transferred at death by means other than a will.
These "will substitutes" range from revocable trusts to pay on death accounts to transfer on death security registrations. All share a key feature: until the owner's death, neither the designated beneficiary nor his creditors have any right, title, or interest in the property, and the owner can revoke the beneficiary designation at any time prior to death.
While the revocable trust is the primary estate planning tool, there are costs to set it up and maintain it over the owner's life. Prior to the TODI act, estate planners had no way other than a will or trust to transfer an owner's residential real estate at death. The act gives estate planners the same tools for transferring real estate that are available for bank accounts and securities, enabling us to better serve our clients.
Charles G. Brown <cbrown@brownlawdekalb.com> of DeKalb is vice chair of the ISBA Trusts and Estates Section Council.
He concentrates his practice in estate and business succession planning, trust and probate administration, and real estate law.
1. PA 097-555 (755 ILCS 27/1 et seq, eff 1-1-12). The act will apply to all TODIs executed before January 1, 2012, the effective date of the act, but only if the owner dies on or after January 1, 2012. 755 ILCS 27/10 (eff 1-1-12).
2. 755 ILCS 27/5 (eff 1-1-12).
3. Wis Stat § 705.15.
4. Ind Code § 32-17-14.
5. Mo Rev Stat § 461.025 et seq.
6. Arizona, Arkansas, Colorado, Hawaii, Kansas, Minnesota, Montana, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, and Oregon.
7. Uniform Real Property Transfer on Death Act (2009), available at http://www.law.upenn.edu/bll/archives/ulc/tod/2009_final.pdf.
8. 765 ILCS 77/5.
9. 735 ILCS 5/15-1219.
10. 755 ILCS 27/5 (eff 1-1-12).
11. 755 ILCS 27/25 (eff 1-1-12).
12. I755 ILCS 27/5 (eff 1-1-12).
13. Id.
18. Uniform Probate Code (UPC) § 6-101(a), available at http://www.law.upenn.edu/bll/archives/ulc/upc/final2005.htm; Uniform Nonprobate Transfers on Death Act §101(a), available at http://www.law.upenn.edu/bll/archives/ulc/nonprobate/UNTDAwith98amend.pdf; collectively referred to as "UPC."
19. UPC § 6-102.
20. UPC §§ 2-203(a), 2-205.
21. UPC § 2-702. Instead of using the term "nontestamentary," the UPC uses the term "governing instrument" which by definition includes instruments with beneficiary designations. UPC § 1-201(18).
24. UPC §§ 2-603, 2-706, 2-707.
25. The following Illinois probate and trust laws are applicable to "nontestmentary" instruments: 755 ILCS 5/2-6 ("Person causing death"); 755 ILCS 5/2-6.2 ("Financial exploitation, abuse, or neglect of an elderly person or a person with a disability"); 755 ILCS 5/2-6.5 ("Parent neglecting child"); 755 ILCS 5/2-6.6 ("Person convicted of certain offenses against the elderly or disabled"); 755 ILCS 5/20-19 ("No exoneration of encumbered interests in real estate"); and 760 ILCS 30/0.01 ("Instruments regarding adopted children").
28. 755 ILCS 45/2-9.
29. Id. Under the Illinois Power of Attorney Act, an agent is only required to take into consideration the principal's estate plan and attempt to preserve it in determining which assets are to be sold or liquidated for the benefit of the principal, but is not liable to the intended beneficiary unless the agent has acted in bad faith.
30. 755 ILCS 27/40(a)(1) (eff 1-1-12).
33. 755 ILCS 27/40(b) (eff 1-1-12).
34. 765 ILCS 5/35c.
35. 765 ILCS 5/9, 5/10.
36. 55 ILCS 5/3-5022.
39. Since a TODI is not a deed or "trust document," the Real Estate Transfer Tax Act should be inapplicable. See 35 ILCS 200/31-10. Nonetheless, the preparer may want to affix an exempt stamp on the TODI as a transfer without consideration. See 35 ILCS 200/31-45(e).
43. Oklahoma requires execution before and attestation by two witnesses. Okla Stat tit 58 § 1253.
45. See discussion of § 75 below.
46. 755 ILCS 27/55(a)(2)(B) (eff 1-1-12) .
47. 755 ILCS 27/55(a)(1)(A), (B) (eff 1-1-12).
48. 755 ILCS 27/55(b) (eff 1-1-12) (eff 1-1-12).
50. 755 ILCS 27/55(a)(2)(A) (eff 1-1-12).
51. Uniform Real Property Transfer on Death Act § 11 (cited in note 7).
52. Brady v Paine, 391 Ill 596, 63 NE2d 721 (1945). For a general discussion of the law of ademption see Horner Probate Practice & Estates § 2210 (4th ed West Group); Robert S. Hunter, Estate Planning and Administration in Illinois, Illinois Practice Series § 132.2 (West Group 1999).
53. An unrecorded deed properly executed, delivered and accepted is invalid only as to creditors and subsequent purchasers, without notice. See 765 ILCS 5/30; Lucas v Westray, 408 Ill 243, 96 NE2d 623 (1951). But see discussion of § 60 below with respect to residential real estate sold on contract.
54. 205 ILCS 625/1.
55. 815 ILCS 10/0.01.
56. 755 ILCS 27/60(a) (eff 1-1-12).
57. 755 ILCS 27/60(a)(1)-(6) (eff 1-1-12).
60. 755 ILCS 27/60(a)(4), (6) (eff 1-1-12).
64. 755 ILCS 5/4-8.
67. 755 ILCS 27/65(a)(2) (eff 1-1-12) .
68. 755 ILCS 27/65(c) (eff 1-1-12).
69. 755 ILCS 5/4-11; 760 ILCS 5/5.5 (anti-lapse); 755 ILCS 5/3-1 (simultaneous deaths).
72. 755 ILCS 5/3-1(d).
73. 755 ILCS 27/65(d), (a)(2) (eff 1-1-12).
78. 755 ILCS 27/70(d) (eff 1-1-12).
84. 755 ILCS 27/100 (eff 1-1-12).
93. 735 ILCS 5/13-223.
From Steven M. Mack on November 23, 2011
"The two-year acceptance limit came at the urging of the title insurance industry, to provide certainty if the beneficiary does not step forward. Since the act is limited to residential real estate and a TODI must be recorded to be effective, most beneficiaries are likely to accept within a reasonable period.
But charities or non-resident beneficiaries, for example, might be unaware of their designation. Therefore, the act provides that if a beneficiary has not filed an acceptance within 30 days of the owner's death, the personal representative of the owner's estate may take possession of the residential real estate. He or she is entitled to a lien for reasonable expenses incurred in caring for the property until the TODI is accepted89 after making a reasonable attempt to locate and notify the designated beneficiary."
What I don't quite understand is the 2 year period for acceptance by the beneficiary. Does the probate estate need to remain open for 2 years to determine if the beneficiary will accept? Do the heirs in an intestate proceeding need to wait 2 years to determine if they own the real estate? Doesn't it lead to great uncertainty?
Steven M Mack
From Charles G. Brown on December 2, 2011
Steve: As the author of this article, I would like to answer your questions and concerns. First, if the designated beneficiary is deceased and not a descendant of the owner, a title company should accept a certified death certificate to clear title. If the designated beneficiary was a descendant of the owner, then it would require proof that the beneficiary died without any descendants surviving him or her which may be admitedly more difficult to establish, but would be required to be shown in any probate proceedings by way of proof of heirship. As to non-descendant designated beneficiaries, sections 20-1 (a) and 20-6(a) of the Probate Act gives the court the power to quiet title to any real estate held in the name of the decedent. Therefore, if the heirs of the owner do not believe the designated beneficiary is alive or in existence, they can bring an action within a probate proceeding to quiet title. If they do not have sufficient evidence to meet the burden of proof, then the 2 year period will clear title without court proceedings required. Therefore, the heirs do not need to wait 2 years. The title companies are currently reviewing the act and will be developing guidelines and protcols to assist in facilitating the transfer of titles under the act.
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I've always been shy and, for example, I was a bad public speaker. I knew this was something I wanted to overcome, so I tried to speak up more in public, and a big challenge was my tour leader job, that I started in 2016 for a travel agency in Turin. When I work, I need to tell about some interesting information concerning the places we visit, and I need to talk in front of group from 20 to 60 people. I think I've made some big improvements.
I've always been shy and, for example, I was a bad public speaker.
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When I work, I need to talk about some interesting information concerning the places we visit, and I need to talk in front of a group from 20 to 60 people.
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The Federal Aviation Administration has given Amazon approval to begin testing its plan for its Prime Air service, which will use drones to deliver products sold by the company to homes and businesses. The FAA told the company in a letter this week that Amazon can now test its current drone designs in the U.S. The move has also created a regulatory framework for other businesses interested in launching similar services. The FAA's recently proposed rules for commercial drone operations do not go far enough to bring Amazon ultimate vision of Prime...
IBM Will Share Technology with China in Strategy Shift
IBM Corp is to share its technology with companies from China and will help on an active basis to build industry in China, said Virginia Rometty the CEO at IBM in Beijing as she mapped out a strategy for one of the firms hardest hit by the shifting technology policies in China. IBM must be willing to help China build its own IT industry instead of viewing it solely as a destination for sales or base for manufacturing, said Rometty at the government sponsored China Development Forum the brings together business executives with the ruling elite of...
Report: Apple Will Dominate 2015 Smartwatch Market
Apple Inc will enter the smartwatch market later than its rivals Xiaomi and Samsung. However, it is expected that the company will be the sales leader of smartwatches for the year with its Apple Watch. The Apple Watch launch could be in San Francisco as early as next week at an Apple event. Apple has not disseminated any date for its Apple Watch release. Lateness entering the market with its wrist wearable might not be much of an issue in stopping the Cupertino. California based tech giant from taking the market of smartwatches by storm, just the...
Sim Card Makers Hacked by Intelligence Agencies
British and U.S. intelligence agencies hacked major Sim cards manufacturer to steal codes that would facilitate the eavesdropping on mobile handsets, said a news website in the U.S. The Intercept said that these revelations came from former U.S. intelligence contractor Edward Snowden. Gemalto was the company that was allegedly targeted. Gemalto said it was taking these new allegations seriously. It has operation in 85 countries and over 40 manufacturing facilities. The U.S. news site said that the Sim heist gave British and U.S. surveillance agencies...
Advantages of IT Outsourcing for Startup Companies
Today, about 95 percent of the world's top companies widely use outsourcing strategies and offshore services. Outsourcing is an excellent chance to minimise expenditures necessary for the company's development. It is especially beneficial for startup companies, as it allows running and developing business without making huge investments. When profit is minimal and avoiding expenditures is impossible, outsourcing is a good way to save company's expenses. Finding quality offshore services has never been easier. Today, virtually every service...
How To Choose A TV Stand
One may think that choosing a plasma TV stand mount hardly requires any time or effort. However, it is not precisely so – especially, if you are looking for unique stylish interior design combinations. Surely, much will depend on your tastes and preferences; however, there are several factors you have to remember while looking for a plasma TV stand best buy. 1. Compatibility with your interior style This is particularly important if you already have finished your room decoration. Wooden corner TV stand, for instance, will look perfect in a traditional...
Electric Linear Actuators and Remote Control in Your Boat
Electric linear actuators are electromagnetic devices that can operate, produce and deliver a progressive oscillatory or un-directional short stroke motion. The force developed by electromagnetism in the actuator produces a motion. Linear electric machines are associated with long linear progressive movements such as transportation and other similar operations. Electric linear actuators 12v are now preferred in a wide range of motion applications where the application needs raising and positioning, moving and many more motion applications. They...
Apple Releases First Ever Automated Security Update
Apple Inc has released its first ever security update that is automated to Mac computers to aid in defending against new bugs that have been identified that researchers in security have warned could help hackers gain remote control of the machines. Apple pushed the software out on Monday to correct critical vulnerabilities in security in one component of its operating system OS X called NTP or the network time protocol, according to a spokesperson from Apple. The NTP is used to synchronize clocks located on computer systems. The bugs became public...
More Privacy Problems Predicted
For all the good things it offers, the internet slowly has fallen into a world were public and private information is not distinguishable any longer. Many security and research experts predict a future where general information security and privacy concerns on the web will be forgotten about completely and not a worry to users. However, they do not believe that will happen for at least another decade or longer. In simpler terms, another decade with numerous problems pertaining to privacy and possibly even intrusion awaits us. According to results...
Hollywood Scared of Google Says Leaked Emails
Leaked emails that were released from the cyber-attack against Sony proved that big movie companies are currently working as a team with the Motion Picture Association of America (MPAA) on an idea, which is aimed to take down a "Goliath" Internet search company. It is quite certain they are referring to the web giant Google. The first report from an online firm included a message from a lawyer from the MPAA, Steven Fabrizio, which laid out in detail, the strategy that was to be used against "Goliath." From a Hollywood point of view, the...
Apple Pay Release Off To A Rocky Start (NASDAQ:AAPL)
Since the release of Apple Pay, there have been several news stories about the rocky rollout of the service. Several companies that initially said they would accept payments through the service backtracked and now say they will no longer accept Apple Pay payments. Apple Pay is also facing competition from the Merchant Customer Exchange, a consortium with its own mobile wallet, CurrentC, which can be used on nearly any old or new smartphone. Some specific things are necessary before a business can begin accepting payments through Apple Pay. Most...
FCC Looking Into 5G Networks
The U.S. Federal Communications Commission through its Commissioner Jessica Rosenworcel has said it will look to infinity and beyond in order to harness new technology that could help to build the next generation of connections for mobile wireless. The U.S. regulatory agency on Friday unanimously voted in favor of opening a notice of inquiry into what the agency and the industry could do to convert a new group of very high-frequency airwaves that previously have been deemed to be unusable for wireless networks into frequencies that are mobile friendly. The...
New Apple iPads Introduced (NASDAQ:AAPL)
Apple has released two new iPad designs in efforts to reignite sales of the popular tablet computing devices. Apple's chief executive, Timothy D. Cook, unveiled the new devices in front of journalists and Apple employees at the company's headquarters in Silicon Valley. The new iPads and the iOS 8.1 system, the next update for Apple's mobile operating system, will be available to the public on Oct. 24. The new iPad Air 2 is thinner than a pencil and includes a faster processor to improve speed. The display has been revamped to reduce reflections...
Google Refunding Millions for Charges Children Made
Google announced that it will pay complete refunds that total as much as $19 million to consumers that had their accounts charged for purchases that their children made for apps without the parental consent needed. The apps were purchased from the Google Play app store. The settlement by Google is part of the third Federal Trade Commission case about purchases by children of in-apps that were unauthorized. The FTC settled with tech giant Apple for nearly $32.5 million this past January and filed a complaint against online retailer Amazon, which...
Ralph Lauren Announces New Wearable Technology Line (NYSE:RL)
The Ralph Lauren company has announced the development of a line of wearable technology that will be unveiled to the public during the U.S. Open. The goal of the new product line was to make products that did not compromise appearance and comfort while adding technological capabilities that could enhance the life of the wearer. The timing of the release makes sense, as Ralph Lauren company has been a sponsor of the United States Olympic team, the Open and Wimbledon for years. One of the new products being showcased is a nylon t-shirt that records...
Crash by Facebook Prompts 911 Calls
In California, law enforcements said calls were made for assistance in getting the largest social network in the world up and running. The Friday outage was the second service crash globally in the last two months The rather short outage of Facebook triggered a number of falls to 911 operators, with the callers asking law enforcement to put the social network back on line. That is correct. Some people believe the sheriffs and police play a role in putting Internet sites back into action. The onslaught of 911 calls related to the outage, which took...
IBM Explores Additional Business Options In China (NYSE:IBM)
IBM has announced its intentions to explore business opportunities in China outside of its core technologies. IBM is planning to provide systems to the country that will improve China's data collection, monitoring and forecasting capabilities. One option the company is exploring is using advanced weather forecasting and cloud computing technologies to monitor and come up with solutions for the persistent smog in the city of Beijing. More than three decades of growth has resulted in pollution that has caused significant damage to the sky, rivers...
Google Sanitizing Web Searches In Compliance With European Ruling (NASDAQ:GOOGL)
Google has announced that it has begun the process of scrubbing links from the web search results displayed when users type in certain search terms. Due to a European court ruling, individuals can now ask for links to information about themselves to be removed from search results if the information is "inadequate, irrelevant or no longer relevant." The ruling by the court applies to all search engines that operate in Europe. Google currently has a roughly 85 percent market share of search traffic in Europe. The search results are only being...
Sales and Profit at Oracle Miss Estimates
Sales and profit at Oracle Corp. ended short of estimates by analysts for its fiscal fourth quarter, as competitors such as Salesforce.com and other rivals in cloud computing lure away customers. Profit prior to certain types of costs was 92 cents per share in the three months that ended on May 31. Revenue for the same period was $11.3 billion. Analysts projected the profit for the quarter to be 96 cents per share on sales of $11.5 billion. The company's forecasts for the current three-month period were in line with estimates by analysts. The...
Google Announces $500 Million Purchase Of Skybox Imaging (NASDAQ:GOOGL)
Google has made an announcement detailing its agreement to purchase Skybox Imaging for the price of $500 million. Skybox, a provider of high-quality satellite images, was founded in 2009 by four Stanford business school students under the idea that launching cheaper satellites could create dramatic change in the space industry. Skybox wrote in a corporate blog post, "The time is right to join a company who can challenge us to think even bigger and bolder, and who can support us in accelerating our ambitious vision." The company uses off-the-shelf...
Netflix And Verizon Trade Barbs On Streaming Delays (NASDAQ:NFLX) (NYSE:VZ)
People streaming shows on Netflix may have noticed a message on the screen from the company blaming Verizon for slowing down their streaming speed. Journalist Yuri Victor, who noticed the on-screen message as he began to stream a television show, posted a screen shot of the Netflix message on Twitter. The message said: "The Verizon network is crowded right now. Adjusting video for smoother playback." Netflix claims that the message was one of many ways the company is testing for notifying its customers of how their Internet service provider's...
U.S. Has Stopped Major Extortion and Hacking Ring
An international operation led by the U.S. put to an end a crime ring that had infected many hundreds of thousands of PCs across the globe with a malicious software that is used to steal banking information and to extort the owner of the computer, said the U.S. Justice Department Monday. Authorities in close to one dozen countries worked together with security companies to wrestle control of the malicious network that infected computers known by the moniker Gameover Zeus, its master software. Court documents on Monday were released and said that...
China Clamping Down on Apps for Instant Messaging
China has started a crackdown of one month on illegal content making the rounds on local services offering instant messaging. The most recent crackdown was announced on Tuesday and comes following a terrorist attack in the Xinjiang region of China that killed over 40 people. Police following the attack, arrested more than 200 suspected militants. Those militants had been chatting on local services offering instant messaging to organize activities, according to the press that is controlled by the state. The messaging services involved included QQ...
IBM Lab Mistake Creates New Lightweight Materials (NYSE:IBM)
Jeannette M. Garcia has worked as a research chemist at an IBM laboratory for years developing recyclable plastics that are stronger and better for the earth. On one of her days of mixing and heating chemicals, she left one step out of a three-step process and returned to find a hard white plastic substance in her beaker that had frozen the stirrer in place. Her mistake led to the discovery of a new family of materials that display a number of attractive properties. The materials are unusually strong and light, exhibit "self-healing" properties...
Sources: Samsung Will Launch Smart Watch with Phone
According to insider reports, Samsung Electronics the South Korea based electronics giant is currently developing a smart watch that will not have to be linked to a telephone to be used. That would in turn make the new device the only smart watch in the tech market with those capabilities from one of the major manufacturers. The new wearable from Samsung would make and receive calls independently of any smartphone, which other smart watches currently on the market cannot do. The smart watch is also to have the capability of taking photos, sending...
New Low-Cost Smartphone Revealed By BlackBerry (NASDAQ:BBRY)
BlackBerry unveiled a new smartphone model that it intends to release in emerging markets in Asia and South America. The new BlackBerry Z3 smartphone was produced by BlackBerry in partnership with the Foxconn Technology Group of Taiwan. John S. Chen, the chief executive of the struggling smartphone maker, said that the partnership had given BlackBerry the ability to compete in emerging markets. The new BlackBerry Z3 will be available exclusively for Indonesia at first. The company is also planning to sell the Z3 in six other Asian markets, including...
Sony Drops to Loss of $1.3 Billion
Sony Corp lost $1.3 billion during its fiscal year after being hit by the costs from selling is business of personal computers. The company is forecasting continued losses as it attempts to execute a turnaround that has now been long-promised. The company, based in Tokyo, Japan and the maker of the Walkman player, Bravia TVs and the world-renowned PlayStation 4 console, reported the loss for the year ended March 31, 2014. The loss was nearly three times the loss it suffered for the previous year. The electronic maker's forecast is for a $490 million...
Tech Firms Will Notify Users that Information is Subpoenaed
Microsoft Corp, Apple Inc and Google Inc have said they would notify their users whose information is request by the U.S. government. This move is pitting the private companies against officials in law enforcement from the federal government, who say the company disclosures would be harmful to the investigations. It also adds to the increasing divide between Washington and Silicon Valley. Officials in the government have asked the Internet companies to keep the subpoenas quiet voluntarily to avoid criminal suspects from being alerted. However, recently...
Profit Triples For Facebook In First Quarter (NASDAQ:FB)
For the first quarter of its fiscal year, Facebook reported that its net income nearly tripled and revenue grew 72 percent. For the quarter, Facebook reported revenue of $2.5 billion. This was an increase from the $1.46 billion reported in the same quarter the previous year. Facebook reported net income of $642 million, or 25 cents a share. This was a large increase from $219 million, or 9 cents a share, reported last year. The company had a profit of $885 million, or 34 cents a share, for the quarter, excluding certain expenses like stock-based...
IBM Reports Drop In Revenue And Profit
In the first quarter, IBM reported that its profit fell and its revenue declined for the eighth consecutive quarter. Revenue for the quarter was $22.5 billion, below the average estimate of Wall Street analysts of $22.9 billion. This was a significant drop from the $23.4 billion in revenue reported in the year-earlier quarter. IBM's net income dropped 21 percent compared with a year earlier, falling from $3 billion to $2.4 billion. Operating earnings per share fell 15 percent, to $2.54 a share, from $3.00 a share last year. The drop was mainly...
Shipments of Xbox One Surpass Five Million
The next-generation Xbox console sold over 311,000 units across the United States in March, outpacing the Xbox 360 in the same period. On Thursday, Microsoft announced that over 5 million Xbox One consoles were shipped since the November launch to retailers. While that number is good, its rival Sony has sold over 7 million consoles of PlayStation 4 across the globe in approximately the same period of time. Sitting in second place has not hurt the mood of Microsoft though. In a recent blog post Yusef Mehdi, the chief strategy and marketing officer...
Yahoo Revenue and Earnings Beat the Street
Yahoo announced its revenue and earnings for the latest quarter that beat Wall Street analysts' estimates. Shares of Yahoo were up over 9% in trading afterhours on Tuesday, as of the close of business on Monday, the stock had fallen by 15% since the same time one year ago. The company announced earnings for the first quarter excluding items of 38 cents per share, which was unchanged from last year during the same quarter. Revenue, excluding an acquisition cost for traffic, increased to over $1.09 billion from last year's same quarter of $1.07...
Fire TV Unveiled By Amazon (NASDAQ:AMZN)
Amazon has begun selling a device that allows consumers to watch Amazon's extensive video library as well as play a wide array of games on their television sets. At a Manhattan news conference held to announce the device, Peter Larsen, Amazon's vice president for Kindle, said that the set-top device is part of the company's plan to merge shopping and entertainment. Larsen said, "We're missionaries about inventing and simplifying on behalf of customers." The device, called Fire TV, is part of a multibillion-dollar effort to move from...
Password Flaw on Xbox Exposed by Child
A San Diego, California five-year old boy has discovered a password flaw in the new Xbox. Kristoffer Von Hassel was given a mention in the security acknowledgements by Microsoft for March after he discovered a security glitch later acknowledged by Microsoft. Von Hassel was able to find a backdoor into Xbox One Live by Microsoft, which alerted the software giant to a major glitch in security. If it had not been for the parents of Kristoffer noticing he logged in to his father's account on Xbox Live the glitch would not have been detected. The five-year...
Government Agency from U.S. Built Social Media in Cuba
The United States, in what appears to be a throwback to the campaigns of the Cold War of espionage, disinformation and disruption spent more than $1.6 billion to build a network of social media with the goal of undermining the Castro regime inside Cuba. Documents obtained from an investigation by the AP showed that the U.S. government project, which went on for over two years attracted thousands of members, was built behind shell companies and financed through international banks. USAID or the United States Agency for International Development was...
What is the Deep Web?
What people commonly refer to as the Web is just scratching the surface. Beneath that is a huge, for the most part unchartered, ocean known as the Deep Web. The Deep Web's size is not easy to calculate. However, researchers in universities say the Web that is well known – Wikipedia, Facebook and new – is equal to less than 1% of the complete World Wide Web. When surfing the Web, most people are just on the very periphery of what is available. Diving below that surface will open up trillions and trillions of different pages, an actual unfathomable...
CEO of Bitcoin Exchange Found Dead
A Bitcoin exchange boss, who was American and 28 years of age was found dead in a Singapore apartment complex said police on Thursday. This was just the latest misfortune tied to the troubled currency used online. Police in Singapore said an investigation was underway into the unnatural death of CEO Autumn Radtke of First Meta based in Singapore. The death took place on February 26, but no foul play in the death was suspected. A website on technology first reported the woman might have taken her own life, but later updated that to say it had been...
Tiny Ear Computer Weighing 17 Grams Tested in Japan
A tiny computer worn on the human ear that can be controlled through blinking an eye or clicking the tongue is undergoing testing in Japan. The wireless device weighing 17-grams has Bluetooth capability as well as being equipped with a compass, GPS, battery, gyrosensor, microphone, speaker and barometer. Wearable computing is being considered by many as the next big technological things, with products like the Google Glass at the sector's forefront. The computer, known currently as the Earclip-type Wearable PC also has data and microchip storage...
Yahoo Webcam Images Intercepted By British Spies (NASDAQ:YHOO)
It was a success that even James Bond would be proud of. According to accounts of documents leaked by Edward J. Snowden, a British intelligence agency collected video webcam images from millions of Yahoo users undetected. These users were targeted regardless of whether they were suspected of illegal activity. Many of the images obtained were sexually explicit. Whether the agency also collected webcam images from similar services, such as Google Hangouts or Microsoft's Skype, is unknown. Britain's Government Communications Headquarters, or GCHQ,...
Sony Sells 5.3 Million PS4 Consoles Worldwide
Sony said it was well ahead of its deadline to pass the 5 million mark in sales of PS4 by March. The company said that 5.3 million consoles had been shipped across the globe as of February 8. Sony takes pride when announcing these milestones of its popular PlayStation 4 console for gaming. This latest announcement of PS4 sales of 5.3 million comes just a few days after the company announced that it had sold nearly double the number of PS4 consoles as the Microsoft Xbox One, during January. Sony on Tuesday said the 5.3 million sold as of early February...
IBM Spending Big On Cloud Computing In 2014 (NYSE:IBM)
IBM has announced plans to spend heavily on cloud computing during the coming year. To increase the number and quality of computing centers it has worldwide, IBM is moving rapidly on its plans to spend $1.2 billion this year on its efforts. IBM plans to offer over 150 software and software development products in its cloud. Erich Clementi, senior vice president of IBM Global Technology Services, said, "This is a key growth area for IBM. We are building out a global footprint." IBM's chief executive, Virginia Rometty, announced that Watson,...
Google Buys Sound Authentication Start-up for Undisclosed Amount
Google does not take internet security lightly and in an effort to improve identity verification they have purchased SlickLogin, an Israeli start-up company. SlickLogin announced the acquisition on their website but as yet no financial details of the deal have been released. SlickLogin is an app that uses unique generated high frequency sounds played via a computer's speaker to a smartphone, the app then analyses the sound and replies with a signal verifying the user's identity. The app can be used to replace a typed password, or to add an additional...
Google's Smart Decisions Lead To Rising Revenue and Profit, Despite Mobile Results (NASDAQ:GOOG)
Google has slowly started to become a mobile company but is wrestling with how to make as much money with mobile advertising as it has with the ads that appear on desktop computers. While the smart decisions made by the company has led to an increase in revenue and profits, mobile remained one of the company's weak points. Some of the new types of mobile ads introduced by Google have paid off handsomely for the company, but not enough to offset the rest. The company has also seen success with its mobile businesses, like the Play store for Android...
Yahoo! Urges Users to Change Passwords
Users of the Mail service for Yahoo! Have been urged to change their passwords to something unique and secure after it was announced the Internet giant had a security breach that exposed its login details. Yahoo! officials said the company reset the different passwords on the accounts connected with the breach in what it called a third party data compromise. The database compromised contained the record of some users of Yahoo! Yahoo! said the sensitive information has already been used by those who stole the information. As well as resetting the...

redpajama_set_name: RedPajamaCommonCrawl


Driving my car one afternoon, I rolled through a stop sign. I was pulled over by a police officer who recognized me as his former English teacher.
"Mrs. Brown," he said, "those stop signs are periods, not commas."


text:
Everytime We Touch är en sång inspelad med Maggie Reilly på hennes album "Echoes" 1992. Låten var en hit i Europa på 1990-talet och nådde plats #1 på listorna i många länder. Låten skrevs tillsammans med Peter Risavy.
Maggie är annars mest känd för att under 1980-talet sjungit den kvinnliga rösten i "Moonlight Shadow" med Mike Oldfield och andra Oldfield-album.

Coverversioner

"Everytime We Touch" är utgiven endast i ett fåtal versioner; av Trixiana, Lacara och Trinity samt med dancegruppen Cascada som fick en topplistehit med låten 2006 bland annat i Sverige. En svensk coverversion med titeln "Varje gång du ler" med svensk text av Keith Almgren spelades in av Septembers (på albumet "En dag i september") 1994 och senare av Cosmos (1997 på albumet "Jag har en dröm").

Engelskspråkiga sånger
Musiksinglar 1992
Singelettor i Sverige

redpajama_set_name: RedPajamaWikipedia


Gives swimming pool operators information on their requirements to meet health and safety standards, and who to contact for assistance.
Find out about reducing risks and taking action if chemical spraydrift occurs. MoH code HE10108.
Promotes the five SunSmart steps to protect skin and eyes from UV radiation.
Gives guidelines on how to prevent the spread of bugs and infections in the water at public or private swimming pools. Reprinted February 2014. MoH code HE9037.
Provides information for people thinking about getting body piercing and tattooing done. Reprinted July 2013. MoH code HE10109.
For distribution by pharmacies and child-health providers advising clients on how child-resistant packaging can help prevent young children being poisoned. Reprinted February 2014. MoH code HE1322.
Does Your Pool Meet the Water Quality Standards?
Gives swimming pool operators information and a checklist on their requirements to meet health and safety standards, and who to contact for assistance.
Provides information on the food safety risks associated with wild game and game birds to help hunters minimise those risks. Revised June 2014.
Provides information on the food safety risks associated with collected shellfish to help minimise those risks. Revised June 2013.
Provides information on foodborne infections that may be more serious for pregnant women and affect your unborn child.
Gives tips for safe food handling and storage at home. Revised June 2012.
Provides information on food safety those with conditions which affect immunity to illness.
Gives information on listeria for vulnerable people, including pregnant women. Revised May 2017. MoH code HE9007. Formerly titled "Avoiding Listeria".
Gives health and safety information on gardening with children. Designed for use by parents, families and schools.
Gives information for young people on what to do if they are being bullied or harassed online.
Describes things that parents and caregivers need to know to teach children about staying safe on roads and near railways.
Detailed information for people not on a town supply. Revised February 2015. MoH code HE4602.
Gives parents information on whether their child needs to have a child restraint or booster seat when travelling in the car. Formerly "The Higher You Sit, the Better the Fit".
For indoor areas near geothermal pools to help prevent amoebic meningitis. 290 x 120mm. MoH code HE1249.
For display around geothermal pools to help prevent amoebic meningitis. MoH code HE1248.
Information on amoebic meningitis in relation to geothermal pools. Reprinted November 2014. MoH code HE1243.
Gives tips for kids and parents on how to keep food safe in a school lunchbox. Formerly "My Cool Lunchbox".
Revised May 2017. Reprinted June 2017.
Gives health and safety information for people who enjoy picnicking, camping, tramping or walking outdoors. MoH code HE1216.
Gives tips for parents and caregivers on selecting low fire hazard sleepwear for children.
Gives information on settings where children are likely to fall, and details on NZ child injury statistics.
Information on causes and prevention. Reprinted February 2014. MoH code HE4158.
A checklist of tips to help parents and caregivers make their home safe for children, with sections for each area of the house including the outdoors.
Gives information on how to keep you and your food safe from foodbourne illnesses.
Gives mosquito prevention information, including the life-cycle of the mosquito. Reprinted November 2013. MoH code HE9017.
Gives information on how to use and store medicines and chemicals safely, including what to do in case of poisoning.
Gives information on the health effects of nitrate and the risk of blue baby syndrome (methaemoglobinaemia) to babies less than 6 months old and in the womb. Updated June 2016.
Gives information on how noise affects hearing. Revised June 2012. MoH code HE1122.
Shows poisonous items around the home and giving general safety tips. Reprinted April 2014. MoH code HE1121.
Gives information for gardeners about legionellosis (legionnaires' disease). Includes five simple steps to avoid catching the disease from potting mix or compost products.
Gives information for before, during and after an emergency or disaster. Revised September 2014. MoH code HE10163.
Gives information on the health risks associated with collection of mahinga kai from water when it might be polluted or contaminated.
Gives information about the health risks associated with water-related outdoor activities in the Canterbury region. Revised October 2013.
Gives advice for those who have had diarrhoea to avoid going to the swimming pool for at least two weeks after they have recovered.
Prevention of lead poisoning when preparing to repaint lead-based paint. Reprinted February 2014. MoH code HE4157.
Gives information on reducing risks when gardening. Reprinted February 2014. MoH code HE4605.
Outlines plants that should not be grown or tolerated in pre-school centres which are harmful to children if touched or swallowed.
Some things aren't welcome in this pool!
Gives advice for those going to a swimming pool to help keep themselves and others from getting a gastro bug. Double-sided resource.
Provides information on harmful spiders in New Zealand. Reprinted November 2014. MoH code HE1424.
Signage for swimming pools advising those who have had diarrhoea to avoid going swimming for at least two weeks after they have recovered.
Available in Te Reo Māori and Pacific languages.
Promotes keeping children safe around driveways to prevent them being run over. Features John Campbell.
Information about unflued gas heaters and their effects on health. MoH code HP4123.
Revised June 2018. Reprinted September 2018.
Gives information on how to keep tank water safe from contamination, including the use of water filters. MoH code HE10148.


As soon as we entered Lambung Mangkurat University's campus in Banjarmasin I instantly began to compare the differences between the serenity of the wetlands that dot the campus with start and serious nature of the UTS tower. It's always exciting to explore another university campus and to discover the varying ways in which a sense of community is forged alongside studying a degree, except this this experience was different, being in Banjarmasin a city with which I was both unfamiliar and embarrassingly bad at communicating with people.
It was here that I met Haitami, a Business Management student at Lambung Mangkurat University and was initially quiet but opened up about his life and ideas about the cigarette industry during our conversation. Haitami is originally from a small village some five hours away from Banjarmasin named Jamil (meaning 'beautiful'), but rather than try to make the impossible happen and travel every day, he lives about a 20 minute walk from campus during semester. Haitami's dedication to his studies is obvious, whilst he already attends classes five days a week he is a part of various university clubs whose meetings he attends on weekends. One of these endeavours includes being a part of AIESEC, with whom he was going to Thailand the following week to undertake a short-term volunteering trip.
During our conversation, Haitami was proud to announce that he himself was not a smoker, nor a fan of the smell it created and the negative impact on one's health, having recently lost a brother-in-law to the effects of smoking. Still, he admitted that there is pressure to smoke in Indonesia, that it is expected of men to smoke (Hodal, 2012). He enjoyed telling me that the majority of the university campus was smoke-free, creating a more comfortable environment and the ability for non-smokers to be able to breather clean air, something which is often difficult to achieve in Banjarmasin.
Nonetheless, as our conversation continued I was surprised to learn more about Haitami's perception of the importance of tobacco companies in a variety of aspects of life in Indonesia, including their sponsorship of music festivals, sports games and providing university scholarships to students from low socio-economic areas (Tobacco Free Kids, 2013). I began to realise that Haitami, alongside other Indonesians perceive the tobacco industry as playing an integral role across many aspects life in Indonesia, even expecting it due to the wide influence they wield and their deep pockets. I found this realisation to be particularly surprising, especially in trying to understand the paradox of an anti-smoking stance with a support of the tobacco industry.
Throughout the time I spent talking with Haitami, I became more aware of some of the nuances that make up the wicked problem that smoking is in Indonesia. Whilst much of our time in Banjarmasin we looked at the issue of the cigarette itself, the influence of tobacco companies across other aspects of Indonesian life remains a complex web of issues that will take a long period of time to unravel.
Myself and Haitami at Lambung Mangkurat University.
it was really interesting to hear what you uncovered in your interview regarding how the tobacco company position themselves as such a integral contributor to the Indonesian culture. how paradoxical, as you put it, that they do help society economically however are founded by such a wicked course.


All returns and claims must be authorized by DAMA by email within 14 days of purchase. You may receive a 100% store credit or a full refund once the item has been returned in its original condition. Any used or altered merchandise will not be accepted. We are not responsible for returned items lost in the mail, so please collect your tracking information and insure the package for good measure. Allow 1-7 business days for refund to post. If an item was damaged by the shipping company during transit, please include photos of the packaging and the product. Items that are custom made or listed under the sale section are considered a final sale.
Please email agnes@stylewithdama.com for authorization.


Chapter 11 Bankruptcy is a reorganization bankruptcy that is typically used by corporations to restructure their debt or liquidate their assets. Individuals are eligible for Chapter Eleven Bankruptcy although Chapters Thirteen Bankruptcy and Seven Bankruptcy are much more frequently used by them to accomplish their objectives within Bankruptcy. Chapter 11 Bankruptcy is significantly more expensive and time consuming for the Debtor. For instance, attorney fee retainers can start at about five thousand to ten thousand dollars for very small cases, plus the $830 filing fee.
A business may restructure secured obligations or simply eliminate them.
Unsecured debts may be paid based on a new payment plan at any amount from zero to one hundred percent.
Leases may be rejected or kept.
Priority debts like the IRS may be restructured and paid over six years from the date of assessment.
Basically, in many Chapter Elevens the legal issues are very complex. A business may not be able to use receivables and current cash reserves to continue running the business without permission from the Bankruptcy Court or Creditor involved. Since voting is required to confirm most plans, complex rules exist regarding formation of "classes" to try and achieve a successful confirmation vote. Many Chapter Eleven Bankruptcy plans have to overcome objections by the United States Trustee of feasibility, since all plans have to make financial sense given past business troubles.
Rather than try to cover more of the many issues in this brief space, I recommend that if you have further questions to call me and discuss the particulars of your situation. I am always happy to help.


The UK outdoors industry sector is based on the provision of services, typically instructing, leading or coaching, to users in natural outdoor environments. It is a rich and diverse sector and the sector gains strength from this diversity.
The sector overall has experienced excellent growth in recent years and this pattern is expected to continue in the future, though there have been significant changes within specific areas.
This is a starting point, and other significant growing sub-sectors can be added to the mix. Expeditions, adventure tourism, forest schools, adventure therapy and bushcraft have all seen substantial growth over the years. Many providers work across two or more sub-sectors.
Historically, the outdoors has been seen to be about non-competitive activity for one of the 'purposes' noted below in the diagram, though progression into further skills development and competition are part of the wider landscape linked into sport. There are close and long-established links with those sport National Governing Bodies which relate to the outdoors, such as RYA, BCU, BMC/Mountain Training, etc.
Many different types of organisations operate in the sector (commercial, public and not for profit) and the sector offers a diverse range of career pathways. Often, a person working in the sector will go from one type of outdoors provision to another as their experience, skills and qualifications develop.
SkillsActive's work in the outdoors sector covers a variety of aspects of workforce development and support for employers in this field. We work closely with employers and employer groups in a two-way approach.
To help employers and individuals find training and jobs in the outdoors, we work closely with recognised training providers. We can also help with finding sources of funding to help with staff development and training, all of which supports the delivery of adventure activities in their different forms with all the benefits as noted above.
We work with expert groups, educators and industry stakeholders to ensure that a clear and current picture of the needs and issues of the sector is promoted.
SkillsActive works to ensure that outdoor courses, qualifications and Apprenticeships are based on National Occupational Standards and a national qualifications framework that reflects the real needs of outdoors employers.


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Bemidji St. volleyball: Winning streak comes to an end
TAMPA, Fla. -- The Bemidji State University volleyball team lost twice in day one of the Florida Southern Classic hosted by No. 14 Florida Southern University.
By Pioneer staff reports
BSU lost to FSU 3-2. The game scores were 25-11, 25-20, 23-25 and 22-25. The loss ended BSU's three-match winning streak.
The Beavers lost in the second match of the day to St. Leo University (Fla.), 3-0. The game scores were 25-17, 25-19 and 25-23.
The losses dropped BSU's overall record this season to 3-3.
BSU pushed the Moccasins to five-sets in the first match, but fell just short in the fifth and deciding frame. The Beavers fought jet lag in the first two sets, but came alive in the third and fourth against the nationally-ranked opponent.
In the fifth, BSU couldn't find a rhythm and FSU grabbed the match.
BSU sophomore Courtney Bitter had a season-high 36 set assists. Freshman Bethany Thompson had a team-high 10 kills.
Brie Groskreutz led the team in digs with 14. BSU out-blocked FSU 11-8. Sophomore Kimberly Hacker had seven blocks.
The Beavers couldn't find a way past St. Leo in the second match of the day. Bitter posted her third double-double of the season with 21 assists and 11 digs to lead the team in both categories. Junior Nicole Olson led the squad in kills with 10. BSU again out-blocked its opponent, this time by a 5-4 margin. Thompson had two block assists.
The Beavers complete the classic tomorrow with matches against Nebraska-Omaha at 10 a.m. and Eckerd (Fla.) at 1 p.m.
Hockey Day Minnesota announces donations from 2019 Bemidji event
Two major donations were announced on Saturday during a Hockey Day Minnesota television broadcast on Bally Sports North from funds raised during Bemidji's Hockey Day event that took place in 2019.
Garfield Lake Ice Races continue for 2nd week with clear skies, comfortable temps
It was another perfect Sunday with clear skies and comfortable temperatures on Garfield Lake. Thirty-three racers and crews filled the pits, and the oval track was surrounded by hundreds of fans.
By Dennis Peterson / Special to the Pioneer
LETTER TO THE EDITOR: Pete Stauber and the IRS
The following is a letter to the editor submitted by a reader and does not reflect the views of the Pioneer. Letters can be sent to letters@bemidjipioneer.com or P.O. Box 455, Bemidji, MN 56601.
By Pamela Kelsey, Bemidji
LETTER TO THE EDITOR: Together, we can do more for Bemidji
By Bill Gassen and James Hereford


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Chidinma's "This Love" with Eezee Concepts music label
Written by Admin on June 15, 2021
Secular artist turned gospel music artist, Chidinma Ekile has released a new song dubbed "This Love", barely a month ago after she broke out the news of her switch to gospel finally after a lot of inner struggles and decision making. She stepped forth with her new identity to do gospel music with Eezee Concepts music label, joining her new family, Mercy Chinwo, Judikay and GUC. She released "Jehovah Overdo" as her first single under the banner of her new team.
"This Love" is the next best thing coming from Chidinma with the Eezee Concepts and it promises to be a great one and give listeners an experience of the artist's music and convictions.
Tagged as Bloom Radio Chidinma Ekile Chidinma Ekile This Love
Passion Music Releases, 'Burn Bright,' Project
Judikay drops a brand new single "Daddy, You Too Much"
5 Reasons to Make Friends Who Are Different From You
Ellie Holcomb releases "Color" song


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Artists Jeffrey Sharkey
Jeffrey Sharkey
Pianist and composer Professor Jeffrey Sharkey became Principal of the Royal Conservatoire of Scotland in September 2014, leading Scotland's national conservatoire of dance, drama, music, production and screen. Jeffrey served as Director of Johns Hopkins University's Peabody Institute from 2006-2014 where he helped to revitalise the curriculum and start a number of successful programmes with the colleges of Arts and Science, Engineering, Business, Education and the School of Medicine. Jeffrey served on the Board of Singapore's Yong Siew Toh Conservatory, an institution founded by the Peabody Institute, contributing to its strategic direction and helping it become one of the most important conservatoires in Asia.
He also developed key partnerships in Korea, Taiwan and China. In Baltimore, Jeffrey started free programmes in music and dance to reach out to the wider community. These were connected to key arts organisations in the city and created pathways for talented youngsters to receive support throughout their studies. He also created the Academy programmes within the Preparatory to serve future professional musicians. Before coming to Peabody he was Dean of the Cleveland Institute of Music.
Jeffrey lived in the United Kingdom for 13 years, serving as director of music at the Purcell School in London and head of academic music at Wells Cathedral School where he started the school's composition department. He was a founding member of the Pirasti Piano Trio, which recorded with ASV Records in the United Kingdom and toured throughout Europe and the United States.
He maintained his performing profile in the United States, and Europe coaching chamber music as a faculty member and in master classes and summer festivals throughout the country. He performed with the Baltimore Symphony and collaborated with members of the Cleveland, Orion, and Cavani Quartets.
Jeffrey Sharkey is a graduate of the Manhattan School of Music where he was the conservatory's first double major in piano and composition. He earned a Master of Music degree in composition from Yale University and an MPhil from the University of Cambridge. His teachers have included pianists John Browning, Boris Berman, Constance Keene and Peter Frankl and composers Aaron Copland, Jacob Druckman, Earle Brown, John Corigliano and Robin Holloway.
Jeffrey Sharkey on Twitter
Dear Scott, Dearest Zelda
Sharkey, J., McCormack, G., Wells, A. & Schaefer, S., 24 Mar 2017
Jeffrey Sharkey: Professorial Address
Iwabuchi, M., Wells, A. & Sharkey, J., 13 May 2016
Hilary Rosin Coffee Concerts 2.1
Savaloni, S., Iwabuchi, M., Kiseliov, A. & Sharkey, J., 7 Feb 2016


Sonny and Cher.... The beat Goes on.
I am still looking for a snow bunting.... after 'how many tries?"
In Ecuador my nemesis bird was the Torrent Duck. Not an overly difficult bird to find but one in which I returned to one place 5-6 times before one was kind enough to appear before me.
When will the snow bunting be as kind to me?
Yesterday, I went in search of a Woodcock... This is 'their mating' time of the year and I asked Diane where to go and she steered me into the Cologne area 'in the fields'...when it snows the birds come out to the road's edge where the snow has melted. Lester gave me the same advice too. So...onto Cologne I went. It snowed, the roads were melted and hmmmm..this is my shot.
But after a (a) mid-afternoon of hunting, and a (b) 5-6:30 shift...I gave up. I went to Chic-fil-a. The Beat Goes On.


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http://www.thepersonalistproject.org/home/comments/an-example-of-the-clericalist-version-of-mansplaining
The clericalist version of mansplaining
Katie van Schaijik, Mar 24, 2019
The term mansplaining was coined following the publication of a book called Men Explain Things to Me, by Rebecca Solnit. It captures well the maddening experience many women share of men (not all men, but lots of them) habitually presuming superior knowledge—men coming at them, as it were, not as peers, not with respect, openness and interest in learning, but condescendingly, with a presumption of social and intellectual superiority. "Here is a boon for you: my expertise, freely given to supply your ignorance...You're welcome."
We've gotten much better about this as a society, thanks in part to the popular spread of the clever term. I still come across it occasionally, but there's no question there's less of it on the whole. Men have gotten better about not doing it, and women have gotten better about not putting up with it.
Let me draw out that last point a bit. As with any instance, however big or small, of the master/slave dynamic in human relations, overcoming it involves two distinct moral tasks: one for the "master," another for the "slave." The master has to learn to stand down; the slave has to learn to stand up.
Each has his task regardless of whether the other proves willing to do hers.
The master ought to humble himself, whether or not his slave demands it. Apart from certain objective (plus limited and conditional) relations, such as that between teacher and student or parent and child or boss and employee, it's always bad and unfitting for a person to adopt a stance of superiority over another. To do so is to operate in the master/slave mode, and hence to thwart the reciprocity that is the sin qua non of authentic interpersonal communion. [Just yesterday, I came across a line from an interview Jorge Bergoglio gave in the days surrounding the consistory that elevated him to Cardinal. He stood out from his fellows for the way he kept a low profile, staying in simple guest rooms, going to and from the Vatican on foot, wearing hand-me-down clerical garb. "In Gospel terms, every elevation implies a descent; you have to abase yourself in order to serve better."]
Similarly, I propose, every degradation implies an ascent. The "slave" has to learn to assert herself, whether or not her right and call to do so is acknowledged by the "master." When she does, even if she does it badly, she not only cultivates her own dignity, she helps establish the conditions for healthy, fruitful communion. Typically, he won't like it. He'll find fault with her for overreacting or causing needless tension or being rude or rebellious or whatever. He might rebuke her and otherwise pressure her to get back down, so to speak—back to her proper place. But, if he does, he'll be in the wrong, and he'll be intensifying the exigency of her resistance.
Generally speaking, when it comes to a longstanding master/slave personal or cultural tendency, change starts with the "slave" (who isn't used to taking initiative and may be clumsy or worse about it.) It's a psychological fact of the dynamic that the master is comfortable and attached to his position. He typically thinks it's the way things ought to be. He will tend to think of his basic moral tasks in terms of being a better master—kinder maybe, more patient, more generous with his time, etc. While the slave, on the other hand, gradually grows more pinched, frustrated and restive. She begins to resent, question, and reject as illegitimate the traditional moral tasks assigned to her position: obey, be humble, submissive and docile.
Eventually, a point of crisis arrives. Something's gotta give. It's a fraught moment, ripe for either fruitfulness or violence, sometimes both.
If the "slave" is thoughtful and courageous at that moment, and takes care to conscientiously aim at the common good, rather than lashing out in revenge, there's hope of renewal. Not a return to the way things were, but a new, better way of being, allowing for fresh grace and vitality. If the "master" refuses to stand down, though, there may be violence anyway, as in the Civil War or the Civil Rights movement, or the American Revolution for that matter.
The same is true on the personal level. Think of Nora in A Doll's House. Once her eyes were opened to her state of subjection, her travesty of a marriage collapsed, and there were only two practical possibilities remaining: Her husband would have to learn to stop regarding her as his little doll, his feather-brained subordinate, so their marriage could become a true communion of persons, or they would divorce. What was permanently off the table was a return to the status quo ante.
Similarly, there comes a moment, typically in adolescence, when a child begins to assert his right of self-governance as a person as over and against his parents. It's a delicate, dangerous moment. If the parents respond by doubling down on their natural authoritarian habits, they will frustrate their child's maturing, or they will lose him, or some mix of both.
In my opinion, we are reaching one of these crisis moments in the Church, with respect to relations between the laity and the clergy. As I said in an earlier post, thanks to the sex abuse scandals, the scales have fallen from the eyes of the laity. As a group, we are at least beginning to wake up to the fact of our wretched passivity, dependency and subordination—to the master/slave quality of the clericalist status quo. [N.B. It's not all of the laity, of course. Most of us are still asleep. Nor is it laity exclusively. Many priests, including—thanks be to God—our present Pope and his two great predecessors, are acutely aware of the problem. Nor do I suggest that that bad dynamic is all that's going on in the Church. Rather, I claim that the good in the Church is infected with and badly hobbled by that spiritual toxin.]
But I'm getting way ahead myself. My original aim was only to offer examples of the clericalist equivalent of mansplaining—priests (not all priests, but lots of them) coming at the laity with condescension, with gratuitous instruction, with a (sometimes discreet, sometimes flagrant) presumption of social and religious superiority. It's constant and it's maddening, and it's not okay, even if it's entirely understandable, given their formation and the habits of centuries.
I'm deliberate in focussing on small, "innocent" examples here. I'm not talking about priests who violate their vows or seek power for its own sake or consciously lord it over the laity. Rather, I mean to expose a subtle, pervasive pattern—one that reveals a deep disorder in the status quo, and one that afflicts laity and clergy alike, including even the very sincere and devout. Ibsen's play didn't depict a case of blatant spousal abuse, rather he uncovered a toxic dynamic in an apparently happy marriage.
A week or two ago, after morning mass, I asked a young priest what had happened to communion under both species (something I cherish about daily mass at our parish.) He replied that it had been suspended during flu season, but would be back. I said, "Oh good, that's what I was hoping. I miss it when it's gone." Then he threw in in a little catechetical instruction for good measure: "Theologically, you receive both with the host."
This priest doesn't know that I was a theology major in college, but that's partly my point. He doesn't know me personally at all, but he assumed I would benefit from a little catechetical lesson from him. He does know that I'm about 20 years older than he is and that I'm frequently at daily mass and weekly benediction. He might have noted, too, that I had used the technical phrase "communion under both species," plainly indicating that I'm not a theological ignoramus. But none of those facts had any force against his natural presumption of superiority. He is a priest; I am a layman. Therefore, he is the teacher; I am one of his students.
Here's another and (for me at least) more maddening example. Our pastor has a practice of standing outside the church after Sunday masses, greeting his flock as they exit, saying a light, humorous word to one and all. It's irritatingly superficial and fake-sounding, but I do my best to endure it patiently, because I understand it must be challenging to be a father to a congregation of thousands, and what else is he supposed to do?
One day, though, in a spirit of sincerity and genuine gratitude, I tried to break through the wall of facetiousness and make a small personal connection. I said, "Thank you for the scholarship that allows you to give us such substantive homilies." He responded by ratcheting up the facetiousness: "Oh, well! Thank you! Wow! I should make you my press secretary!"
He clearly meant it to be complimentary. I guess he assumed I would be flattered by the idea that he finds me verbally deft enough to serve as his public mouthpiece. Maybe he thought that would be a dream job for me? Evidently, it didn't enter his head at that moment that I might prefer to use my rhetorical skills to express my own ideas to the press—that I might even already be someone who thinks and writes and publishes in her own name.
And—jumping back to mansplaining for a sec—can anyone imagine a priest making such a comment to a 50-something man?
Anyway, I found it galling and depressing, plus completely typical [not of him personally, but of the problem of clericalism]. With far too few exceptions, our priests don't know us (i.e. the laity); they don't defer to us, and they have no idea that they should.
Maybe some readers will judge me hypersensitive, plus arrogant. Go right ahead. It proves my point. It intensifies the exigency of my resistance.
JP II publicly apologized to and thanked the early feminists, who had had to suffer the pain of being deemed "unfeminine" because they stood up for themselves and asserted their equal dignity with men. It's part of the cross of any "slave" who refuses to keep slaving to have those still enmeshed in the dynamic find moral fault with her, especially to find her haughty and arrogant. Blacks of the civil rights era were often deemed "uppity" by Jim Crow whites.
In truth, I am prickly on this point because I am, by temperament and training, plus long personal experience, more attuned to it than most. But I'm an outlier only in the sense of being on the crest of a wave. I am a prophet of sorts, and a canary in the coal mine of the Church. So, I really hope I'm heard when I say this: clericalism will end, and for two reasons:
1) It is opposed to the gospel,
2) It has become intolerable.
Whether and to what degree its end is fruitful or violent or both is up to us, our generation of Catholics. "I set before you life or death." If we want to avoid violence and establish an ecclesial culture of harmonious and fruitful conjugality between clergy and their congregations, laity will have to learn to come forward, and priests will have to learn to step back.


After a bit of confussion with the directions to get to the Slugain ( where yer told to turn left or right at the fork but there are a few forks that are not on the directions ).
after a wee break it was time to head off again to find ben avon and when the glen opened up the view was very pleasent which was enhansed by the still shining sun.
which brought us up past clach a'clerich 9 the large boulder seen from the foot of the sneck.
which in a fine day is an amazing view .
Really like that IMAG0062 picture. I got no views when I did this walk but I'd heard there where views like that to be had on a good day.
What a smashing view of the corrie. It has been a very long time since I was there and don't know if I'll ever be there again now but thanks for the nice photos anyway.


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Tremont Waters, at a Boston press event, will take the court for the Celtics in the NBA Summer League in Las Vegas
LSUsports.net
Summer Play In Vegas Starts Friday For 6 Former Tigers
July 03, 2019, 11:37 AM (CT) Updated: July 03, 2019, 11:38 AM (CT)
BATON ROUGE – Six former LSU basketball players will be in action on five different teams starting Friday in the Las Vegas NBA Summer League Tournament.
Second round draft pick Tremont Waters will be playing for the Boston Celtics, while Naz Reid, who signed a two-way contract immediately after the draft, will be playing with the Minnesota Timberwolves summer league team.
Brandon Sampson, who played 14 games for the Chicago Bulls as part of a two-way contract in the 2018-19 season, is now on the Golden State summer league team; and, Keith Hornsby, who has played the last three years for the Texas Legends of the G-League, will be on the roster for the Portland Trail Blazers.
Two Tigers, Josh Gray and Duop Reath, will play for the Brooklyn Nets summer league squad. Gray last played for the LG Sakers of South Korea, while Reath has played last year for the KK FMP team in Serbia.
Each team will play four games between Friday and July 11 with the top teams advancing to a single elimination tournament. Those teams not advancing will have one more consolation contest.
The games will be televised on the ESPN family of networks and NBA-TV. Here is the preliminary round games for the opening round (Times CDT):
Boston Celtics (Tremont Waters)
July 6 – vs. Philadelphia, 4:30 p.m., ESPN
July 8 – vs. Cleveland, 6:30 p.m., NBA-TV
July 9 – vs. Denver, 7 p.m., ESPN2
July 11 – vs. Memphis, 9:30 p.m., ESPN2
Brooklyn Nets (Josh Gray, Duop Reath)
July 5 – vs. Dallas, 6 p.m., NBA-TV
July 7 – vs. Croatia, 3 p.m., NBA-TV
July 8 – vs. Washington, 4:30 p.m., NBA-TV
July 10 – vs. Orlando, 4:30 p.m., ESPNU
Golden State Warriors (Brandon Sampson)
July 5 – vs. Charlotte, 8 p.m., NBA-TV
July 7 – vs. Toronto, 11 a.m., ESPN
July 8 – vs. Los Angeles Lakers, 10:30 p.m., NBA-TV
July 10 – vs. Denver, 10:30 p.m., ESPNU
Minnesota Timberwolves (Naz Reid)
July 5 – vs. Cleveland, 4 p.m., NBA-TV
July 7 – vs. Atlanta, 4:30 p.m., ESPN2
July 8 – vs. Milwaukee, 8 p.m., ESPNU
July 10 – vs. Miami, 6 p.m., NBA-TV
Portland Trail Blazers (Keith Hornsby)
July 6 – vs. Detroit, 2:30 p.m., ESPNU
July 7 – vs. Houston, 9 p.m., NBA-TV
July 9 – vs. Utah, 5 p.m., ESPN2
July 11 – vs. Oklahoma City, 7 p.m., NBA-TV
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