Local figure skaters show well in Virden - The Daily Graphic ...

By Dan Falloon

Updated 19 hours ago

The sun may be shining and the lake may be calling, but local figure skaters are spending their summers preparing for the winter season.

A trio of locals had the chance to display how they've spent their summer vacation thus far at the Prairie Skate 2011 Figure Skating Competition in Virden at the brand-new Virden Multi Purpose Recreational Facility last weekend.

Madison McCallum competed in three events, tying for second in the Category D women jumps with 110 points, ending up sixth in the novice women free skate with 42.71 points and finishing seventh in the novice women short program with 24.59 points.

As well, Devon Borody had a second-place showing in the juvenile women free skate. scoring 25.09, just behind Moosomin's Casey McCormac, who notched 25.84.

Lastly, competing in two of the deeper pools of competition, Alexa Hulme was 23rd in pre-novice women short program with 17.24 points and 37th in the free skate with 24.33 points.

McCallum said that she was happy with her overall performance, but being the first competition with new routines, picked out areas to work on as well.

"I'm happy with where I am now, because I know that there are many things I can improve on for the upcoming competitions," said McCallum. "I know that I'm not at my max right now, and there's lots of room for improvement."

McCallum said among the areas she hopes to improve are the consistency of her jumps. She added that at practice on Monday, she's already started to make adjustments based on the weekend.

"We changed some of my spins around, so they should be better and more consistent," said McCallum. "They should be better.

"I want to, overall, improve my skating, my performance, and the experience for the audience."

McCallum said that she tried to keep her expectations reasonable considering where she is in the season.

"I set a bar for myself to achieve past, and I feel that I performed my programs well," said McCallum. "It was the first competition of the year, so I feel that not everything was perfect, but I'm very satisfied with the way that I performed."

McCallum felt that her skating was effective in both of her new programs, which she was glad to compete with for the first time.

"I just really wanted to put them out there, and perform them, and skate them like I've been training," said McCallum. "I'm very happy and felt that that was a very strong part of my weekend."

McCallum said that she's been working on the new programs in April, though the originals don't necessary look exactly like what was performed over the weekend.

"Lots of changes have been made, but I've been training them very hard all summer," said McCallum, who has been training in Brandon all summer, skating four or five days each week.

McCallum said that she did get some rest between the end of the 2010-11 season and the kickoff of this current campaign, taking a few weeks off.

"I feel ready to keep training hard," said McCallum.

McCallum plans to keep the same programs all through the year, and at the end of the season, will review them to see if she wants to keep the programs or try something new. There's plenty of work that goes into a new routine, though.

"From year-to-year, there are always changes in the world of figure skating," said McCallum. "We always have to incorporate those things into my new program.

"We get new music. We have to allow space for my skating to improve and grow in my program, and then I keep adding more difficult things."

McCallum said that one element she's working on for this year's program is the triple jump.

Meanwhile, Borody said that she enjoyed herself at the competition, and was happy with how she perfomed.

"(My favourite part was) landing my jumps," said Borody.

Borody added that she felt coach MaryAnne Penner was proud of her after the skate.

sports@cpheraldleader.com

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Source: http://www.portagedailygraphic.com/ArticleDisplay.aspx?e=3249606

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Goethals.org ? Criminal Lawyer

Posted By shaggy on August 9, 2011

Criminal Lawyer

re you or someone you know in search of a skillful and experienced Oshawa criminal lawyer? In Canada, criminal law is a very complex branch of the law and encompasses crimes ranging from fraud to homicide. In most instances, the legal reprimand for such heinous offenses is quite stern. Anyone charged with, or accused of, a criminal offense has an immediate need for the assistance of criminal lawyers Oshawa. Canadian law is held in very high regards and therefore criminal offenses and the laws surrounding them should not be taken lightly. The ability of the accused to ascertain quality legal representation early on has a direct effect on the outcome of the legal proceedings.

From the moment the police initiate contact it is imperative for the individuals directly involved to contact an Oshawa criminal lawyer. It is best to avoid the mindset that criminal lawyers Oshawa are incapable in any way of providing assistance when needed. There is a stigma surrounding criminal lawyers portraying them as seedy and greedy individuals. However, this barrier should be broken as a good criminal lawyer may be the only thing standing between you and a life in prison.

Society operates on an ?innocent until proven guilty? premise; however, this may not always seem like the case in court. An Oshawa criminal lawyer is fully capable of developing a winning defense strategy and will ensure that your rights are protected infront of the courts.? There is a strong belief that individuals will be released if they have not committed a crime, however, throughout history there have been many reports of individuals being wrongly imprisoned for years for many different reasons. Therefore, it is essential to work with only the best criminal lawyers Oshawa to avoid unnecessary or impractical legal repercussions.

Beginning the search for an Oshawa criminal lawyer may seem like a daunting and tedious task, however, those charged with a crime should not let their fears stand in the way of securing quality legal representation. Unless this is not your first time needing the help of a criminal lawyer, it is only normal that you would experience feeling of confusion when looking through the lengthy list of criminal lawyers Oshawa.

There are many avenues that can be taken when commencing the search for a criminal lawyer, the most common for most people being to look online. There is an influx of informational websites available to assist people in finding out legal information and setting up consultations with criminal defense lawyers throughout the region. The Internet is also a great place to source for reviews and background information on lawyers and the firms they work for. A simple Google search for criminal lawyers Oshawa is sure to net a wealth of responses.

Resource Box

Beginning the search for an Oshawa criminal lawyer may seem like a daunting and tedious task, however, those charged with a crime should not let their fears stand in the way of securing quality legal representation. Unless this is not your first time needing the help of a criminal lawyer, it is only normal that you would experience feeling of confusion when looking through the lengthy list of criminal lawyers Oshawa.

Criminal Barrister

In most situations it is wise to hire a Toronto Criminal Lawyer as early on in the legal process as possible. Working with Toronto Criminal Lawyers as early as possible may be the deciding factor as to whether criminal charges are laid or not and will ultimately play a role in the likelihood of the defendant being released prior to the completion of the legal case. During the investigative stage a Toronto Criminal Lawyer may be capable of influencing the decision to lay a criminal charge. In the event that the decision to lay a charge has already been made, Toronto Criminal Lawyers are skillful in negotiating their client?s release. However, for those defendants who must be held pending a bail hearing, legal representation will be necessary to bargain the terms and conditions of release on bail. It is the role of a qualified lawyer to assist their clients in understanding their rights and obligations under the law. In the Canadian Criminal Justice System there are very few procedures that have as great an impact on the criminal process than a bail hearing. Bail hearings are used to conclude whether or not an individual being charged with a criminal offense should be release or held pending trial. The results of this hearing play a momentous role on the remainder of the case and can be used to gauge elements such as: the Toronto Criminal Lawyers ability to adequately prepare the case for court, the ability of both parties to bargain and the defendants ability to hire a Toronto Criminal Lawyer to represent their defense. Contracting a Toronto Criminal Lawyer for bail hearing representation will greatly enhance the individual being charged likelihood of being released and help to ensure that the conditions of release are considered reasonable under the law. Toronto Criminal Lawyers are experienced in combing through the facts of the charge, understanding the components of the law and presenting a convincing argument to the courts. Once release has been granted, and the conditions explained, a defendant will be given a first appearance date. Obtaining a Toronto Criminal Lawyer prior to this date will have a considerable impact on the ability of the accused to establish a strong defense. Toronto Criminal Lawyers are educated in the steps necessary to establish a strong defense before their clients ever step foot into a court room. Regardless of the nature of the crime, a criminal charge is serious and can have a tremendous effect on an individual?s personal and professional life even if they are found not to be guilty. Being deemed guilty of a crime will result in various problems such as a fine, criminal record, deportation, a jail sentence and even the loss of family and friends. For these reasons, and many more, it is important to select the most capable and qualified Toronto Criminal Lawyer. Resource Box In most situations it is wise to hire a Toronto Criminal Lawyer as early on in the legal process as possible. Working with Toronto Criminal Lawyers as early as possible may be the deciding factor as to whether criminal charges are laid or not and will ultimately play a role in the likelihood of the defendant being released prior to the completion of the legal case.

Source: http://www.goethals.org/criminal-lawyer/

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Auto Financing Calculator | Self Improvement Articles and Tips

An auto financing calculator can help you with the car buying decision. The tool not only provides estimates, but it also enables you to compare between various loan payment options. Depending on the borrowed amount and the term, you can learn the monthly rate and the corresponding interest. A good auto financing calculator further includes special fields for extra payments, regardless if these are monthly, yearly or a one-time extra payment.

The total loan amount is calculated taking into account the possible cash rebate, the trade in and the down payment you make. For the amortization schedule and the analysis of various loan types you have to use another calculator feature, changing the details in the required fields. The calculation of the amount you need to finance is based on the sales price of the car, the sales taxes, the destination charge, the down payment and the trade-in value of an older car.

Depending on the type of auto financing calculator you use, it is possible to create graphs to see the variations of the monthly payment and the total amount of interest depending on the down payment, the different interest rates and the number of payments. It is a good idea to use a complex tool that also includes instructions. Some tools are available in the form of spreadsheets with a software support. Yet, keep in mind that there are limitations too as there is no technical support for customized spreadsheets and special calculations.

In case you need to compare lease vs. buying, you have to turn to special auto financing calculator options such as those available on Cars.com or Microsoft.com. In case you receive a lower interest rate or a cash rebate from the manufacturer, you need to use an auto financing calculator that allows you to specify this. An advanced tool will enable comparisons between the loan conditions with and without rebate. This kind of information best suits the prospecting client who needs facts to make the decision for a purchase.

You can also find amortization formulas and all sorts of other advanced calculating tools online. They provide you with the right means to get estimates and understand the implications of car financing on the short and long term. You should not apply for a car loan before going through everything in detail; it takes indeed a bit of time and effort, but the outcome is worth striving for.

Related posts:

  1. Car Financing Calculator
  2. Auto Financing For Bad Credit
  3. Financing Calculator
  4. What A Debt Consolidation Calculator Can Do For You
  5. Car Financing
  6. Boat Financing
  7. Financing Bad Credit Home Loans
  8. Medical Financing
  9. Pool Financing
  10. Motorcycle Financing
  11. Renovation Financing
  12. Computer Financing
  13. The Importance Of A Tax Rebate Calculator
  14. Home Financing
  15. Dad Credit Motorcycle Financing

Source: http://www.e-self-help.com/auto-financing-calculator/

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[OOC] Echoes of Lovecraft

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Jessica Alba Spy Kids Blog

Jessica Alba Spy Kids Blog

I want to start this post off by thanking iVillage for the opportunity to guest blog on your site for my "Diary of a Spy Mom" blog series. I am writing a few entries about the film and the parallels to my own life as a working (and very pregnant!) mother. Hope you enjoy these.

Spy Kids: All the Time in the World in 4D (which opens on Aug. 19) is my first foray into a true family film. I wanted to do something my 3-year-old daughter Honor could watch. On top of that, the opportunity came to me at a perfect time in my life from a thematic point of view, something I think many moms reading iVillage can relate to: the idea that we're stretched so thin in our daily lives as mothers and how to achieve balance -- if there is such a thing, LOL.

While shooting Machete, our second film together, director Robert Rodriguez came up with the idea of a new Spy Kids film. We discussed, among other things, the challenges of going back to work after having a child, which is very much a theme for my retired Spy Kids mom character. But Robert will credit Honor's exploding diaper on the set of Machete as having really sparked the lightbulb for the return of the Spy Kids series, LOL. After that incident, he began to write my role for a new film and a new set of spy kids, played amazingly by newcomers Mason Cook and Rowan Blanchard.

Trying to work, be a mom and wife and do it all perfectly with a smile is tough as heck. In fact, it feels nearly impossible sometimes. As much as I try to prepare and have everything planned out, there are moments where I haven't packed enough outfits, toys, snacks, pacifiers, burp cloths or some other necessity to avoid baby meltdown. And Honor will vomit, poop, pee or some combination, and I'll only have one diaper left. I'll make do with a diaper and a blanket, but I feel like I look like a bad mom. No matter how prepared you are as a mom I've found that you're always going to make mistakes. And most crushingly, I always feel like I should be doing more.

We had a lot of fun incorporating some of these themes into Spy Kids. (My character) Marissa is a first-time mother with two stepkids who are very critical of her and a husband she barely gets to see because he's always working. She tries desperately to please them all. I think she's relatable to moms who are trying to do it all and want it to seem like everything is going according to plan.  ;)

One of my favorite scenes was shooting the action sequence where I'm on my last mission before retiring to be a full-time mom. I'm full term and going into labor in the midst of a chase sequence where I have to save the world -- ONE LAST TIME -- before throwing in the towel. It's obviously silly and light and not showing the "real" side of active labor, but I got a kick out of waddling around with a big (fake) belly, kicking butt.

Check back on Monday for Jessica's next blog entry about balancing life as a working mom.

Watch the trailer for Spy Kids: All The Time in the World below:

Source: http://www.ivillage.com/jessica-alba-spy-kids-blog/1-a-370157

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Don't Bet that Horse On The Following Race! | Article Tavern

[unable to retrieve full-text content]One of the oldest sports in America that has got better's hooked is horseracing. There isn't any doubt in my mind that a lot of people find joy and excitement by watching the race. On the other hand, there are others ...

Source: http://articletavern.com/recreation-sports/horse-racing/dont-bet-that-horse-on-the-following-race

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US ONLINE GAMING LAW 2011 | Conferences, Events and Publications

The race to legalize online gaming to the US is on. The economic potential is huge, with daily news centered on Iowa, New Jersey, California and Nevada. The Black Friday indictments has hit the industry hard; however the continuing battle to bring legalized online gaming to the United States steamrolls ahead, with a bill to authorize internet poker in Nevada announced shortly afterwards, and Senator Lesniak planning to introduce a new and improved bill. With frequent announcements, lobbying and collaborations between the industry and its regulators, it seems only a matter of time before a new chapter is written in US Legislation. When legalization of online gaming occurs the opportunities will be massive, and the legal maze intricate and complex.

There is no doubt that this is an exciting time for the gaming industry, and this brings big commercial opportunities. Market entrance strategies for European operators entering the US market and vice versa are on the tip of everyone?s tongue, and vicarious liability looks certain to be the one subject where the whole industry will be looking at with anticipation and intrepidation. Taxation could be a billion dollar opportunity for the US in times of economic difficulty, and the impact on land based casino?s of legalized online gaming is a hot and contentious topic in Las Vegas and Atlantic City.

US Online Gaming Law 2011 is a one of a kind event; in fact this is the first event focusing 100% on the legal and regulatory aspects of online gaming in the US. Comprising of upto-the-minute panel discussions with industry CEO?s, Presidents, and General Counsel this event will uncover and examine the important questions such as:

? What opportunities exist for American internet gaming operators to enter the European market and vice versa?

? Where do the very latest developments leave the operators with regards to their potential for a new customer base and revenue stream?

? To what extent can the technologies we have in the igaming industry be used to reduce costs?

? Caesars-888, Wynn-Pokerstars, Fertittas-Full Tilt: what?s the likelihood that regulators will approve doing business with operators who took online bets from the US?

? What are the best strategies to provide B2B services as well as exploiting brands through JV?s with US licensed operators to maximize potential profits?









Article source: http://www.americanconference.com/2012/637/us-online-gaming-law-2011/

Tags: CLE, Legal conferences, Legal Events

This entry was posted on Friday, August 5th, 2011 at 4:11 AM and is filed under Legal Conferences. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

Source: http://www.americanconference.com/blog/index.php/us-online-gaming-law-2011/

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Personal Finance Insight ? Blog Archive ? What are the Tax ...

Retirees exceptionally like annuities since annuities can assure them an income for lifetime. However some retirees will die before beginning their annuity or receiving all their guaranteed annuity benefits. Their beneficiaries will then receive those benefits. This article clarifies how those beneficiaries are taxed on those benefits.

Retirees often hold their annuities as deferred annuities as a back-up for those later retirement years when they?ll commence annuity payments only when other retirement income falters or when savings become depleted. However if they die before beginning their annuity, the designated annuity beneficiary will have to pay tax on all or a part of those benefits. The same is fair for annuities that have begun their payouts however those payments are guaranteed for some term of years beyond which the annuitant?s owner died.

Annuities that are made within a administration regulated qualified plot are called qualified annuities. All the owner?s contributions to them are deductible, so all the annuities earnings and contributions will be taxed as ordinary income no affair who receives those annuity payouts.

However most annuities are nonqualified. In this condition the contributions owners made to them are not deductible (i.e. they are after tax contributions). These contributions will never be taxed by anyone; they constitute the ?tax basis? of their annuity investment contract.

However all nonqualified annuity earnings are tax-deferred. This helps the annuity investment to annually compound quicker since part of those earnings is not taxed away each year so it can participate in prospect growth. However those tax-deferred earnings will eventually be taxed upon withdrawal ? by either the owner or his beneficiary.

*Annuitant?s (owner?s) taxation:

If a partial withdrawal is made, the IRS demands that all earnings come outside first before the any untaxed contribution (i.e. the basis) comes outside. So these withdrawals ? as extended as there are earnings within the annuity ? are completely taxable as income.

However under regular monthly payments ? as when the annuity is ?annuitized? ? a part of each payment is not taxed however treated as a giveback of your contributions (i.e. your tax basis) while the remaining part is treated as earnings ? and taxed as income. This is one of the tax benefits of annuitization payments. An exclusion ratio is the ratio of the monthly annuity payout that?s not taxed. It?s calculated for you by the insurance corporation.

Under a lifetime annuity, it?s imaginable that an annuity owner will live beyond his lifetime expectancy and receive enough payments to have recovered all his contributions (i.e. his tax basis). When that occurs, all of each subsequent payment is fully taxed as earnings ? i.e. there?s no longer an exclusion ratio.

*Beneficiary?s taxation:

After-tax contributions made by the deceased owner will remain untaxed when received by the beneficiary as I mentioned above. And of direction, all those tax-deferred earnings within the annuity will be taxed as ordinary income to the beneficiary.

Usually, if the annuitant had begun receiving lifetime payments, no benefits would be left for a beneficiary. However if the contract called for a fixed term guaranteed payments, the beneficiary would received those remaining payments of that fixed term taxed at the deceased?s exclusion ratio.

If the annuity owner died before beginning annuitization of his annuity ? so the annuity was still a ?deferred annuity?- provision may be made to give the beneficiary either a lump sum distribution of the deferred annuity or a series of payments. For the lump sum payment, the beneficiary would only pay tax on the earnings part.

However if he takes a series of guaranteed payments instead of a lumpsum, the beneficiary would not be required to pay taxes on any of the payments until the deceased owner?s contribution were fully received. So the annuity?s basis would presume to be withdrawn first. Any payments beyond that would be fully taxed as ordinary income.

A beneficiary who earns a substantial income already can lose a abundance of that taxable part of the annuity as he?s it pushes him into a higher tax bracket. That?s why a lump sum distribution may be exceptionally terrible for him.

Shane Flait helps you with your financial legal, tax, and retirement goals.
Get his FREE report on Managing Your Retirement =>
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Source: http://personalfinanceinsight.info/2011/08/what-are-the-tax-consequences-to-the-beneficiary-of-my-annuity/

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