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Policy Submissions
FAIR in the Media
About Us
December 2019
FAIR Focus: Top 12 Newsletter Issues of 2019
Top 12 Newsletter Issues of 2019
1) DSC Mutual Funds and Trailing Commissions
We again called on governments and regulators to proceed with regulations to prohibit the sale of Mutual Funds with DSC (Deferred Sales Charges). The Canadian Securities Administrators (CSA), the umbrella organization of Canada's provincial and territorial securities regulators, has proposed a ban but it is yet to be implemented. We also supported the CSA efforts to amend regulations to prohibit Mutual Funds from charging imbedded trailing commissions when the mutual funds are purchased at a discount broker. See the summary in our
January Newsletter
As a follow up ~
the CSA announced on December 19
that all jurisdictions except Ontario are moving forward in 2020 with regulatory amendments to ban up front sales commissions, which will apply to DSCs and associated redemption fees. All jurisdictions, including Ontario, will ban trailing commissions paid to dealers that do not provide investment advice, such as discount brokers.
See our
press release
2) Beat the Bank, by Larry Bates
We featured the work of Larry Bates, retired capital markets executive and member of FAIR Canada's Board of Directors in our
March Newsletter
. In a financial system traditionally dominated by the six big Canadian banks, these institutions - and by extension the entire Canadian financial industry - occupy a position of paternalistic authority that too many individual investors respect unquestioningly. The industry brilliantly capitalizes on the combination of poor understanding of fees, deep loyalty, and misplaced trust by charging Canadians the highest mutual fund fees in the world. Bay Street fees continue to quietly strip away 50 percent or more of the lifetime investment gains of millions of Canadians. That's right, 50 percent or more! There are three key elements to "Simply Successful Investing", educate yourself, take a long term view, and manage your costs carefully.
3) Why Penalize Millions of Canadian Investors?
Not shying away from controversy when it sees unfairness for shareholders, FAIR Canada wrote on the policy reasons to support the use of deferred prosecution agreements in appropriate cases where a corporation with public shareholders is charged with responsibility for criminal misconduct committed by its executives or employees. Using SNC-Lavalin as an example, we argued that innocent shareholders of a corporation who have no knowledge, control or responsibility for managing the conduct of the corporations executives or employees can end up paying a disproportionate share of the costs when prosecutors refuse to negotiate a deferred prosecution agreement (DPA) with the corporation. A DPA could achieve all the same criminal penalties as can be imposed at trial and with significant savings of resources of the government.
The Canadian shareholders SNC-Lavalin lost $1 billion the day it was announced the prosecutor would not negotiate a deferred prosecution agreement with the company.
And we note the prosecutors have now settled the case by entering into a plea bargain agreement that imposes the same sanctions as would have been imposed under a DPA. The shareholders may well ask, "where do I get my money back?" See our
April Newsletter
press release
for more.
4) Watering Down a Weak Enforcement Regime
FAIR Canada opposed the proposals from the securities industry self-regulatory organization, the Investment Industry Regulatory Organization of Canada (IIROC), to introduce "alternative" disciplinary proceedings. To achieve greater efficiency (meaning clear up the backlog of old cases and close enforcement files quickly to save dealer members from paying for more resources for enforcement) IIROC proposed to create a "minor contravention program", to be used in cases of "limited or no harm" to clients or other market participants. There would be no public record of the details of the offence and they would not name the offender. Why? How is this consistent with IIROC's stated vision to be known for its "integrity, transparency and balanced solutions"? IIROC also proposes an Early Resolution Offer policy where it would offer steep discounts on penalties in return for early settlements. Sounds like a fire sale policy and, unlike regulators in the US, there's no requirement that investors harmed by the misconduct be compensated. Again, we ask why? We've called on the CSA to intervene (see our
August Newsletter
). So far there's been no response from IIROC other than to say they are considering the comments they received.
Fund Facts - Bear Markets Eliminated by Mutual Funds and Regulators
We also called on regulators to address the consequences of flaws in the way mutual fund firms are permitted to calculate and disclose their risk ratings in Fund Facts. Mutual funds are entering Alice in Wonderland: they are being rated as less risky when real risk (as retail investors understand risk) increases. Risk ratings look at the performance in the last 10 years. As of 2019, "poof" the Great Financial Crisis has ceased to exist. No real bear market in the last 10 years which of course means that bear markets (which on average happen every 3-5 years) have been eliminated by regulatory fiat. See our
August Newsletter
6) Celebrating Stephen Jarislowsky
We celebrated Stephen Jarislowsky on the occasion of his 94th birthday this past
Stephen Jarislowsky is a founding director of FAIR Canada and has been a champion of investors rights in Canada for decades. He also helped to found the Canadian Coalition for Good Governance and Institute for Governance of Private and Public Organizations. He built one of the most successful money management firms in Canada, Jarislowsky Fraser. Stephen has served on the board of many listed companies over the years. He has been one of Canada's leading philanthropists for many years. The Jarislowsky Foundation has endowed 35 Chairs in Canadian universities and other organizations. Mr. Jarislowsky retired from the FAIR Canada Board of Directors at the end of September.
7) Regulatory Burden Reduction and a National Securities Portal
we featured FAIR Canada's comments to the OSC on the Burden Reduction Initiative, which was created in support of the Ontario government's Open for Business Action Plan. FAIR Canada supports the concept of better regulation. As part of our submission and as featured in an opinion editorial from FAIR Canada published in
September by the Globe & Mail,
we proposed an initiative to scrap the conflict-ridden national securities regulator project that has been staggering along for over 10 years, in favour of a more pragmatic and beneficial national securities portal operated by a private technology service provider owned by the CSA members.
The portal would be a stakeholder friendly, holistic and modernized database, filing and information system to replace outdated IT systems and platforms like SEDI, SEDAR and NRD.
an initiative would benefit registrants, companies and investors addressing fragmented, outdated, complicated and inconsistent systems. It would also go a long way towards
ing the decades old conflict over a national regulator that has drained government and regulatory resources away from many other pressing issues.
8) Welcome Client
After over a decade of advocacy by FAIR Canada and other investor protection advocates to reform the law, the CSA has passed sweeping and potentially fundamental regulatory reforms to address the securities industry's inadequate management of conflicts inherent in the current client-investment advisor relationship due to the manner in which investment advisors are compensated for selling investment products. It's a well known fact that in the securities industry the investment advice given to clients has been, in many instances, self-serving. The Client Focused Reforms i
is a collaborative approach to shifting away from a "buyer beware" traditional disclosure regime to one that does more to mitigate risk.The reforms come into force at the end of the year, with a two-year phased transition period. Much work remains to be done and the devil will be in the details. See the
October Newsletter
9) Insiders and Automatic Share Disposition Plans
We wrote to the CSA and the AMF earlier in the year (see our
June Press Release
) regarding concerns about insider trading and reporting of trades by insiders at Bombardier Inc. pursuant to what's called an "automatic share disposition plan" (ASDP), which are supposed to be arms length administered programs for insiders to sell their shares. The securities regulators grant exemption orders to permit the insiders to participate in these plans. However, the regulators do not have a consistent approach across Canada and there appears to be inadequate protections to ensure the plans are administered in a fair and equitable manner subject to consistent, objective controls to prevent gaming the system.
The exemptions open the door to insider trading and deprive investors of transparency by not requiring timely reporting of trades.
The CSA has responded by announcing it is conducting a review of the regime currently in place and it will not be granting any additional exemptions in the meanwhile. We eagerly await the results. See our
November Newsletter
10) Securities Dealers Use Client Agreements to Avoid Regulatory Obligations to Clients
IIROC issued a Guidance Note this October that was striking in many ways including its sweeping condemnation of securities dealers business practices that abuse individual investors. IIROC found that its members have been using client agreements that seek to limit or avoid any liability by the dealer for providing clients with inadequate and harmful investment advice, and for any harm resulting from outsourced services used by the investment dealer. Dealers are required by law to be responsible for both. IIROC states that the use of these agreements by dealers is a violation its rules and is considered by the CSA members to be a breach of securities law. What is the regulator doing? Its "encouraging" dealers to repaper their clients agreements! That's it. There's no deadline. There's no required communication to clients expressing mea culpa. There are no enforcement proceedings. Apparently, no-one is being held accountable. How many client complaints were denied or limited by dealers relying on these abusive and illegal agreements? Is this IIROC's interpretation of reducing regulatory burden? FAIR Canada has questioned IIROC and is seeking answers. See our
November Newsletter
11) The Slow Death of OBSI as a Banking Ombudsman
We are strong supporters of OBSI, the only true ombudsman service in Canada for customer complaints with banks and investment dealers. OBSI investigates consumer complaints independently and recommends appropriate settlements. But it has been abandoned by several of the big banks who instead offer up a captive third party service that they call an ombudsman but is not. The federal government, which regulates banks, has failed to step in. Fortunately, the Canadian Securities Administrators, with leadership from the OSC on the matter, have refused to permit the same thing to happen for clients of investment dealers who are still able to use OBSI services to help resolve their complaints.
FAIR Canada calls on the federal government to either require all banks to use OBSI or legislate a mandatory banking ombudsman for banks.
See our
November Newsletter
and our
op-ed published by Investment Executive
for more.
12) Investor Protection Clinic at Osgoode Hall Law School
In our
December Newsletter
we congratulated all those responsible for the amazing work being done by the law students at the Investor Protection Clinic at Osgoode Hall Law School. The IPC provides free legal services to help investors who cannot afford a lawyer get compensation for losses due to misconduct in the handling of their investments by their investment dealer or advisor. FAIR Canada co-founded the IPC at Osgoode two years ago with seed funding provided by the Law Foundation of Ontario and a cy-prés award from a court-approved settlement of a securities class action lawsuit.
FAIR Canada in the News
Why are Canadian authorities passing on an alleged case of foreign bribery in China?
Vancouver Courier
December 17, 2019
Graeme Wood
Canadian authorities appear to have taken a hands-off approach to an alleged
case of foreign bribery
of a Chinese government official on the part of a Vancouver-based energy company that trades on the Toronto Stock Exchange.
Support FAIR Canada by Subscribing to our Newsletter
FAIR Canada calls on all Canadians
who value investor protections, shareholders rights, fairness and integrity of the capital markets to express their support for FAIR Canada and its mission, to show your support by subscribing to this newsletter and to help us reach more Canadians by asking your friends and colleagues to
To donate, click
Want to know more about FAIR Canada?
Who is FAIR Canada and what does FAIR Canada do? Find out more about us
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FAIR Canada | 647-256-6690 |
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Suite 400
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text: Travel Tips And Advice You Can Use! Travel is a hobby for a and some business necessity for others. But regardless of your reason for getting from one place to another, there are ways to make it easier and more pleasant, and ways for it to bring stress into your life. Try these great tips for making travel time into a more enjoyable time. Be creative if you're purchasing souvenirs as gifts while traveling. You can use a local newspaper as gift wrap to give it a special touch. If the newspaper is in a foreign language or has photographs, this works especially well. Other low-cost souvenir gifts, include matchbooks, coasters and clean napkins. As an important safety measure before leaving on a trip one should always tell a close friend or family member when they plan on returning and any other key information about the trip. By doing this one is guaranteeing that someone will know something is wrong when nobody shows up on the expected date. Try to eat something very mild during the meal prior to your plane ride. You don't want to feel nauseous or have to use the bathroom numerous times during the flight. A piece of toast for breakfast or a cup of soup for lunch would be a great option. A great travel tip is to shop around online for the best hotel deal. There are plenty of sites such as Priceline.com, where you can find and book the best hotel deal. Sites like these are great because they include all of the information in one place instead of you having to go looking for it all. Be aware of people pretending to be officials in a foreign country. You should never give anyone your original passport no matter who they purport to be. Alternatively, you could end up stranded in a strange land. Make sure you walk with them if they want to take you in. Do not get into a vehicle with someone that you do not know. During the trip, post to the social media networks all about where you are and the sites you are seeing. These posts not only let friends and family know you are safe, they also can be used to come up with great destination recommendations! You may be surprised how many of your friends have inside information on places to go and important sites to see. When traveling by airplane it is crucial to arrive early. You will have to find a place to park, wait in long lines at security checkpoints, and there's always the possibility that the airline oversold the flight. When using the airlines, always give your self lots of extra time. When you travel make sure you take a travel-size bottle of Febreeze or similar product in your handbag. The person who sat in the seat of thebus and plane, or train before you may not have had time to shower before sitting down for a long flight. Avoid spending your trip smelling the previous passenger's body odor by spraying your seat with Febreeze. 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You should look over the car and if you see any defects make sure it is noted on the agreement. When it comes to exchanging your currency, it is all about location. Do not be a last minute currency exchanger running through the airport to get and try your foreign money. Airports can be a very costly source of currency exchange, and the rates may not be to your advantage. Exchanging should be one of the early things you do in your planning, as it also secures the money you intend for foreign spending. One of the best ways to save money on airline travel is to be flexible. If you are willing to fly out a day or so earlier or later than your original plan, or choose another airport other than your first choice, you could save yourself some money. Sometimes airlines offer specials you just need to be flexible enough to take advantage of them. You can save some resources if you can remain flexible with your travel schedule and plans. When you plan to take an extensive travel time and own a home, it may be in your best interest to rent out your home to make sure it is well kept while you are gone. This will ensure that bills are paid, utilities still on, and not make you lose money while you travel. If emergency oxygen deploys while you are on a plane with your child, place your mask on first. Parents will instinctively want to help their child first, but if your brain is starved of oxygen you could be rendered useless and put both your and you child in danger. When traveling, it helps to dress the part. You don't need to replace your entire wardrobe, but dressing to fit in may make your experience more pleasant. Looking like a tourist by wearing destination T-shirts or other "relaxed" clothes will make you stand out and potentially more vulnerable. Unless you're on a beach, dress casually but still nicely. While packing, try to keep your belongings as light as possible to reduce the amount of tension on your back. The last thing that you will want is to have to transport heavy bags from one place to another with items that you do not need. Stay practical to optimize your traveling experience. If you are able to put into place the tips and advice we have given you here in this article, there should be much less that can go wrong and put a damper on your traveling adventure, though we can't promise you that nothing will go wrong on your next vacation. Bon voyage! 卡式台胞證照片辦理申請過期費用臺胞證台灣居民來往大陸通行證 清潔公司台北新北推薦費用居家清潔打掃冷氣 徵信公司徵信社推薦討債抓奸費用外遇找人離婚征信社尋人欠債抓姦抓猴跑路 台北植牙牙醫診所牙科新北費用假牙牙套牙橋 台北隆乳醫美微整形隆鼻美白針診所玻尿酸音波拉皮墊下巴肉毒桿菌雙眼皮自體脂肪隆乳 新北外燴餐盒台北茶會點心餐飲推薦外烩 近視雷射眼科診所白內障手術散光 室內設計裝潢翻新居家客廳裝修老屋設計圖室內設計師 會計師事務所成立營業商工商業公司登記記帳士 安養院安養中心長照2.0護理之家養老院失智症 漏水屋頂抓漏防水費用壁癌 消滅蟑螂老鼠防治消毒滅蟑公司蜘蛛跳蚤除蟲果蠅白蟻紅火蟻


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Just retired, returning to golf after a short break of 40 years and looking for some professional advice and tutoring. James Sawford is one of the pros at Redbourn Golf Club where I signed up for one of his group lessons. After that first lesson, I came out feeling that here was someone who listened and seemed to understand exactly what it was that I needed.
The grip, the stance, the balance were quickly identified and sorted. Individual lessons followed soon after. James has a nice relaxed way with him with a lovely dash of humour; but behind that is a very precise and knowledgeable eye.
He very quickly picked up on my personality and disposition, and gently moved me towards adapting the best approach for my physique. His explanations are clear and rational; always enthusiastic with just that hint of challenge to improve. I always come out of a lesson with the understanding as to why the ball behaved the way it did, and how exactly to correct it.
At my age I have no pretentions to becoming a scratch golfer. I just enjoy my golf. My handicap is gradually improving and as I play, I feel a growing confidence in being able to read the course, determine the tactic and choose the right club and stroke to play. All thanks to James, the consummate professional.


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Somehow I'm getting the feeling that we're beginning to think of around-the-world and other long distance adventure travel as something to be endured. As something that's hard to do, and miserable and lonely and even expensive. I'm sure there is no hidden agenda to discourage people from trying motorcycle adventure travel, but sometimes it almost seems like it. That is so wrong.
Yes, I've been miserable out on the road. Sure I have. But I look at it this way: I have a comfortable, settled existence now with friends and a nice house, but I also have major depression. I didn't have any kind of depression when I was sitting in a two-man tent with a week-long sandstorm howling through the Sahara outside. I was pissed off, and getting really tired of playing Mastermind with Mrs Bear, but not depressed.
All right, I know that clinical depression is quite different from just feeling depressed, but I'm sure you take my point.
And here's the thing: out on the road, I have felt transcendent joy sitting on a sand dune in Central Australia, looking at the amazingly bright, sharp stars. Who knew that the stars are coloured? They're not just points of more or less white light, the way they look in the city. Get out there where there is no industry or any other veiling of the night air, and they are all the colours of the rainbow!
Did you know that from the top of a seaside cliff in Norway, the ocean can look just like a huge sheet of burnished steel? That's not a metaphor; it really did look like a vast steel plain stretching to the horizon when I looked at it from that lookout in, was it Alesund? On that same morning, the tiny Rose Church had made me, a dyed-in-the-wool non-believer, feel the almost physical impact of the faith of the people who had built this gem.
I climbed the mud battlements of the desert city of Bam in Iran before the earthquake levelled it, and found myself drawn back to a time when the bells of tired caravans sounded across the endless-seeming sand. Don't get me started on climbing to the head of one of the Buddhas at Bamiyan, now destroyed by the strutting fools of the Taliban. I know I shouldn't have climbed up there, just as I now know that I shouldn't have climbed Uluru in my home country.
But I did it, and it stopped my breath and made me feel more than just one small human being.
Back in Afghanistan, I've chatted over tea with a village schoolteacher although we didn't know a single word of each other's language. It's enlightening how much you can convey by tone of voice, the use of your hands and facial expressions and a few names – "Russians!" – thumbs down. Wave hand upwards, then stab it down a few times and go "pew, pew" and get raised open hands and a fearful expression in return. Yes, he knew of aerial attacks.
Is it something about tea? We stopped at a farmhouse in Turkey, near Silifke, to ask whether we could camp on the family's land. Instead we were invited in, given tea and fed and entertained with stories of the family's attempts to renovate a Roman bathhouse in their banana plantation, and the father's time in Germany as a taxi driver. I do have a few words of Turkish, but he spoke a lot more German. We were allocated a bed, and in the morning we got a guided tour of the bathhouse.
Sure, on that same trip I scratched my ankle on some limestone climbing down to a beautiful and empty beach, and got a blood infection which had me shivering so hard for a couple of nights that you could have run a generator off me. That's life.
What I'm trying to do here is not boast of the things I've experienced, but to stimulate other travelers' memories. What have you done that you could never have managed if you hadn't been out there on the long road? Whom did you meet and will never forget? Did you have a transcendent moment somewhere, and will you be kind enough to share it with the rest of us? Plenty of room below.
Different experiences strike those magic notes with different people. A friend of mine spent a full moon's night sitting in front of the Acropolis above Athens (before serious security, when you could still do such things) and felt himself transported back to Plato's Greece. Which reminds me of the time Charlie and I rolled across the ridge above Trabzon where Xenophon's soldiers must have reached the Black Sea after wandering the Anatolian highlands, and broke down and cried "Thalatta! Thalatta!"
The sea, the sea.
On your travels, what was your "sea"?
Photos: The Bear


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Brown Velvet Rose Cakes
Theresa Chu
Recipe type:
Brown velvet rose cakes are the result of a traditional red velvet cake made without the red colouring. It tastes every bit as good though!
1¼ cup canola oil
1 cup buttermilk
2 eggs at room temperature
2 tbsp liquid food colouring
1 tsp white wine vinegar
1 tsp vanilla extract
2 tbsp coffee extract
2½ cup all-purpose flour
1¼ cup sugar
1 tsp baking soda
¾ tsp fine salt
1 tbsp cocoa powder
Preheat oven to 350ºF with a rack centered in the middle.
Using a standing mixer, combine oil, buttermilk, eggs, food colouring, vinegar, vanilla and coffee extract. Beat on medium speed for 1 minute.
In a medium bowl sift together flour, baking soda, salt, cocoa powder and sugar.
With the mixer on low, add dry ingredients to the batter ½ cup at a time. Add slowly so that the mixture does not form lumps.
Lightly grease the pan and pour batter into each cavity till they are ⅔ full.
Bake until inserted toothpick comes out clean, about 20 minutes.
If frosting, cool completely first.
Recipe by
Delicacious | A Food Blog
at http://www.delicacious.com/brown-velvet-rose-cakes/


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209 Waldegrave Road, Teddington, TW11 8LX.
The Waldegrave Arms is a pub offering a variety of food and beverages. The Waldegrave Arms is based in Waldegrave Road, London - see map for location of Waldegrave Road.
Telephone: 020 89771288
The Waldegrave Arms are listed in the bar section here:
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The Waldegrave Arms is in Waldegrave Road, London. You can view a list of neighbouring businesses by going to the Waldegrave Road page.
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This map shows the approximate location of The Waldegrave Arms in Waldegrave Road.
Note: the pin is positioned at the postcode centre, and may not correspond with the precise location of 209 Waldegrave Road.


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Frederick M. Bodington Jr., 82, Little Compton
Frederick M. Bodington Jr., a born and bred Little Compton Swamp Yankee, passed away Saturday, November 2, 2019, at Charlton Memorial Hospital, surrounded by his family. He was 82. Fred was …
Frederick M. Bodington Jr., 82, Little Compton
Frederick M. Bodington Jr., a born and bred Little Compton Swamp Yankee, passed away Saturday, November 2, 2019, at Charlton Memorial Hospital, surrounded by his family. He was 82. Fred was particularly proud of the fact that he lived in Little Compton for 80 out of his 82 years. He was the son of the late Frederick M. and Julia (Mason) Bodington.
Fred was a graduate of Monson Academy. He later attended Colby College in Maine and graduated from Wentworth Institute of Technology in 1958. At his 50th reunion from Wentworth he received an Honorary Bachelor of Science degree in recognition of his dedication and support for the Institute,
In 1960 he married the love of his life, Muriel (Burns). They would have celebrated their 60th wedding anniversary this coming May. Together they have three children, Frederick M. III (Ted) and his wife Peggy, Russell O. and his wife Karen, and Marsha Berube and her husband David. He also leaves seven grandchildren, four great granddaughters and many nieces and nephews.
Fred never met someone he couldn't talk to; Sunday mornings he and Muriel would walk up to the Commons Lunch for breakfast where he would catch up with town news. In the spring and fall he would work in the yard, and tried valiantly to keep the squirrels from the bird feeders. For many years he and Muriel could be seen driving around town in a series of convertibles, top down, with the "hat" in plain view.
Summertime saw Fred and family boating and waterskiing on the Westport or Taunton Rivers. Well into his 70s, he could be seen skiing behind the boat, patched up ski vest, and the "hat" turned backwards so it wouldn't fly off. He also liked a good game of golf where he generally had no trouble outshooting his sons.
Just as Fred never met a person he couldn't talk to, he never met a glass of red wine he didn't like, or a piece of dessert he could turn down. When asked at the holidays whether he would like cake or pie, his usual answer was "yes." He was famous for helping his grandchildren clean their plates, especially if there was dessert left on it.
He was a tireless worker, well known in the area as the service engineer for Burns Tools where he worked for over 50 years. Prior to that he worked for the New England Butt Company in Providence and Continental Screw in Rochester, New York. He also served in the Rhode Island National Guard. Fred was a member of the Little Compton United Congregational Church, Briggs Beach and a jack of all trades.
His passing has left a hole in our hearts that cannot be filled.
Memorial service to which relatives and friends are invited will be Thursday, Nov. 7, at the Little Compton United Congregational Church at 11 a.m.
Calling hours will be Wednesday at the Potter Funeral Home, 81 Reed Rd., Westport, from 5-8 p.m. Interment will be private.
In lieu of flowers, memorial donations may be made to the Wellness Center, 115 East Main Rd., Little Compton, RI 02837.
For directions or to sign the online guestbook, please visit www.potterfuneralservice.com.


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Professional service, cozy accommodations and a delicious breakfast featuring our famous waffles await at our hotel in Lakewood, WA. Amenities include free WiFi, free hot breakfast, free parking and guest laundry facilities. Guest rooms feature microwaves and refrigerators, premium bedding, work desks, flat-screen TVs and coffee makers. Enjoy easy access to destinations like American Lake Park, Lakewold Gardens, Fort Steilacoom Park, Lakewood Towne Center, Lakewood Playhouse and the Farrells Marsh Wildlife Area. Book today. No Pets Allowed
Business center
Amenities· Complimentary full american breakfast
· Elevators
· Exercise gym
· Free high speed internet connection
· Free parking
· Ice machine
· Microwave
· Microwave
· Non-smoking
· Onsite laundry
· Outdoor parking
· Refrigerator
· Vending machines
Room InformationHandicap room, Coffee/Tea maker, Desk, Hairdryer, Kitchenette
Miscellaneous Information
· American Dollars is the native currency.
· Check in time is 3:00 PM
· Check out time is 11:00 AM
· 57 rooms.
· 0 suites.
· 5 floors.
Guarantee Policy
Cancellation Policy
Reservations not cancelled by deadline will be charged 1 night's stay, or full amount of stay for reservations requiring prepayment.
Restaurant InformationOSJ International Restaurant El Toro Mexican Rest-Cantina Thong Thai Pizza Casa El Pulgarcito Pizza Pizazz KC Burkie Dennys El Antojo Lakewood Mare Sol Restaurant KKO KKO Chicken Restaurant Taqueria El Sabroso McDonalds Moon Rise Cafe House of Mandoo Applebees Grill and Bar The Fan Club Sports Bar
Area Attractions- SEATTLE-TACOMA INTL
- Lakewold Gardens
- Lakewood Towne Center
- Lakewood Playhouse
- American Lake Park
- S Puget Sound Wildlife Area
- Farrells Marsh Wildlife Area
- Fort Steliacoom Park
- Pierce College Science Dome
- Sunny Side Beach Park


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DeVinnia Moore
Living in the Ledge Staff Reporter
As Michigan continues its economic recovery, small businesses still struggle to survive. Grand Ledge offers many businesses that have managed to survive some of the toughest economic times.
Some of the local businesses in Grand Ledge such as MacDowell's, About the Home, Sophia's House of Pancakes and more have managed to stay in business even after Michigan's big economic issues back in 2008 and 2009.
This upcoming June will be five years in business for the women's clothing store Big Purple Bloomers. The shop in downtown Grand Ledge is owned by Marilyn Sample. Sample's granddaughter, Cassey Stornat, said Sample loves being in Grand Ledge.
"My grandmother would not relocate because she loves the small-town feeling," said Stornat.
Diane Smith said it is important for businesses in a small town to follow certain patterns. Smith is a Michigan State University Extension educator who has expert roles in sustainable community, business development and economic development. Smith said local businesses should be relatable to the community.
"Staying in touch with the community is important for businesses in small towns," said Smith. "Showing their support for the community."
Stornat said when events such as craft days, are going on downtown, the store gets a lot of traffic.
Smith said a company's biggest downfall in a small town would be depending on local traffic to increase sales. Stornat said that is not the case for Big Purple Bloomers.
"We are located between two restaurants; most of our traffic depends on their customers, waiting for food," said Stornat.
Smith said a company should also try selling beyond just its local community. Times are changing and it is a business owner's duty to keep up with technology.
Big Purple Bloomers does not have an online shop; however, Stornat said their customers come back because of the unique things the store offers.
"I believe our business does well because our customers know they can't find our merchandise in the bigger cities," said Stornat.
"Customer loyalty is what small towns are all about," said Smith. "Creating those personal relations and experiences to bring customers coming back."
Said Nick Waligora: "I still drive 30 minutes out just to get Sophia's House of Pancakes, or go down and just shop," Waligora lived in Grand Ledge for three years before moving to East Lansing.
To get started with business ownership in Grand Ledge, visit the Small Business Development Center.


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Lesley Gore epitomized the sound of American pop in the early-to-mid 1960s with hits like "It's My Party" and its answer/follow-up, "Judy's Turn to Cry." For my money, there may never have been a greater one-two punch in pop than that pair, produced by Quincy Jones and arranged by Claus Ogerman. But where was the teen pop queen by the Summer of Love? The U.K.'s Ace label answers that question with the June release of Magic Colors: The Lost Album with Bonus Tracks 1967-1969, unearthing a lost LP and a full complement of bonus tracks.
"It's My Party" and "Judy's Turn to Cry" were just the start of a remarkable career for the 16-year old from Tenafly, New Jersey, and the Gore/Jones/Ogerman triumvirate continued turning out one smash after another. "You Don't Own Me" remains a striking anthem today while gems like the sunny "That's the Way Boys Are" and Ellie Greenwich and Jeff Barry's "Look of Love" and sophisticated "Maybe I Know" are as infectious today as they were in 1964. Gore withstood the British Invasion and appeared in The TAMI Show alongside such leading lights as James Brown, The Beach Boys and The Rolling Stones . She made a guest appearance on screens big (Ski Party) and small (Batman). Gore was still a chart presence in 1965, when she introduced a song by a young New York musician, arranger and rehearsal pianist named Marvin Hamlisch. "Sunshine, Lollipops and Roses" was co-written by Hamlisch and Howard Liebling, and the upbeat, exultant track became another big hit for Gore and the first of many for Hamlisch, hitting No. 11 on the American charts.
But despite continuing to record impressive material by impressive talent (including Carole Bayer Sager and Toni Wine, Van McCoy, Jack Nitzsche and Russ Titelman), the hits slowed down. Gore teamed with other producers – Shelby Singleton and Nitzsche – for the first time. It took Bob Crewe, though, to restore Lesley's fortunes with another Marvin Hamlisch song. The evocative "California Nights," with its widescreen soundscape, hit No. 16 in early 1967, proving Gore's staying power. But Crewe's next single for Lesley, the stunningly gorgeous "Summer and Sandy," stalled at No. 67. Mercury sent producer Steve Douglas (famed for his work as part of the Los Angeles Wrecking Crew) to work with Lesley, and if "Brink of Disaster" thankfully didn't live up to its name, it only made it as far as No. 82 late in 1967.
But "Brink" was scheduled to be part of one of Gore's most tantalizing lost projects, an LP scheduled for release as Mercury SR-61148 entitled Magic Colors, after a psychedelic song penned by Neil Sedaka and Howard Greenfield. While all ten of the LP's tracks have been released (four of them premiered on Bear Family's exhaustive box set It's My Party! compiling Lesley's entire Mercury output), Ace brings them together on a single disc for the very first time, together with fifteen bonus tracks, all from 1967-1969. Magic Colors: The Lost Album with Bonus Tracks 1967-1969 features a virtual "Who's Who" of 1960s American pop music. Consider this: songs by Sedaka and Greenfield, Hamlisch and Liebling, Barry Mann and Cynthia Weil, Allan Gordon and Gary Bonner, Gary Geld and Peter Udell, Kenneth Gamble and Leon Huff, Laura Nyro and Thom Bell; productions by Steve Douglas as well as Herb Bernstein and Gamble and Huff.
Finally, Gore fans will be able to hear Magic Colors in its musical splendor as it was originally scheduled for release. Hit the jump for the run-down on its contents plus full track listing with discographical annotation.
Magic Colors kicks off with a memorable song by the renowned New York team of Barry Mann and Cynthia Weil. "It's A Happening World" found the songwriters perfectly in tune with the California pop scene and was also recorded by The Tokens. It squarely places the album in 1967, and invites listeners to "come along with me, you can be as young as you want to be!" The sparkling track features the best of the Wrecking Crew: Hal Blaine (drums), Lyle Ritz (guitar), Mike Deasy (bass), Larry Knechtel (piano), Ray Pohlman (guitar). The very same October 1967 session yielded an unusual track from Neil Sedaka and Howard Greenfield's pen. "Magic Colors" may have been atypical fare for the team, but Sedaka was acutely aware of the changing music marketplace and sought during the period between his RCA years and Rocket comeback to expand his musical horizons. "Magic Colors" is a psych-pop track with a splendid baroque arrangement: "Where are all the magic colors that used to light my way? I must find those rainbows of yesterday." Gore delivered a strong, confident lead over the dramatic track; both "Magic Colors" and "Happening World" are highlighted by Association-styled backing vocal harmonies that will excite any sunshine pop enthusiast.
Lesley and brother Michael Gore contributed "Where Can I Go" to Magic Colors, and to Steve Douglas' productions of "Brink of Disaster" and its B-side, "On a Day Like Today," were slated for inclusion on the LP as well. Teddy Randazzo was tapped for the string-laden Vietnam-era ballad "You Brought Me Silver Bells," a far cry from the Jay Livingston and Ray Evans holiday song! Jack Nitzsche arranged this track for Douglas along with two more, all recorded at the same August 1967 session at United Recorders, "I'm Fallin' Down" and "He Won't See the Light." Two very familiar covers also made the cut for the would-be LP, "How Can I Be Sure" and "To Sir with Love."
Ace has expanded the original Magic Colors line-up with fifteen bonus tracks of various vintage, starting with Bob Crewe's ambitious production of "Summer and Sandy." These tracks represent virtually every song cut by Gore at Mercury from the "Summer" session of April 1967 through her final July 1969 date with Paul Leka (The Lemon Pipers' "Green Tambourine"). "Small Talk" is an intoxicating Bonner and Gordon song which was also performed by Claudine Longet with Andy Williams, Harpers Bizarre and Gary Lewis. Sedaka and Greenfield return with "Summer Symphony," a worthy follow-up to "Magic Colors" that also was criminally unheard at the time of its release. A final visit (at the time, at least) to Marvin Hamlisch's songbook produced "One by One," and Gary Geld and Peter Udell ("Sealed with a Kiss," "Hurting Each Other") penned "I Can't Make It Without You," also recorded by Gene Pitney. There's also a tantalizing glimpse of a largely-unexplored direction for Gore with the inclusion of three smoothly soulful tracks produced in New York City by Philadelphia's best. Kenny Gamble and Leon Huff produced "Look The Other Way," "Take Good Care of My Heart" and "I'll Be Standing By" on Lesley in October 1968, with Thom Bell and Bobby Martin providing the arrangements. Bell, already an accomplished songwriter, co-wrote the first two songs.
Perhaps the most interesting of the bonus tracks is Lesley's take on Laura Nyro's "Wedding Bell Blues." Lesley recalled to writer Dawn Eden, "My brother MichaeI and I were just made for Laura Nyro, and I would continually bring Quincy [Jones] songs of hers that I wanted to record. Finally, I brought in the most benign of all her songs…then the 5th Dimension literally pre-empted us; they must have put their record out two days before we were ready with ours." Despite a customarily winning vocal from Lesley that evinces her passion for Nyro's music, the Paul Leka production couldn't compete with Bones Howe and Bob Alcivar's work for Marilyn McCoo and company. "Wedding Bell Blues," backed by Hamlisch and Liebling's "One by One," was Lesley Gore's final single for Mercury.
All told, Lesley Gore amassed 19 hits on the American Top 100 and ranks second only to Brenda Lee among top-selling American female vocalists between 1963 and 1967. Magic Colors is a perfect way to reacquaint yourself with her still-vibrant talent. The album is set for release on the Ace label on June 27 in the U.K. and July 12 on American shores.
Lesley Gore, Magic Colors: The Lost Album with Bonus Tracks 1967-1969 (Ace, 2011) (Amazon U.S. / Amazon U.K.)
- It's A Happening World (Mercury single 72759-B, 1967)
- Magic Colors (Mercury single 72759-A, 1967)
- Where Can I Go (Mercury single 72842-B, 1968)
- Brink Of Disaster (Mercury single 72726-A, 1967)
- On A Day Like Today (Mercury single 72726-B, 1967)
- I'm Fallin' Down (Version 2; previous version issued on Mercury single 72683-B, 1967)
- You Sent Me Silver Bells (Mercury single 72892-B, 1969)
- He Won't See The Light
- How Can I Be Sure
- To Sir With Love
- Summer And Sandy (Mercury single 72683-A, 1967)
- Small Talk (Mercury single 72787-A, 1968)
- Say What You See (Mercury single 72787-B, 1968)
- He Gives Me Love (La La La) (Mercury single 72819-A, 1968)
- Brand New Me (Mercury single 72819-B, 1968)
- I Can't Make It Without You (Mercury single 72842-A, 1968)
- Look The Other Way (Mercury single 72867-B, 1968)
- Take Good Care (Of My Heart) (Mercury single 72892-A, 1969)
- I'll Be Standing By (Mercury single 72867-A, 1968)
- Ride A Tall White Horse
- 98.6 / Lazy Day (Mercury single 72931-B, 1969)
- Summer Symphony (Mercury single 72931-A, 1969)
- All Cried Out
- One By One (Mercury single 72969-B, 1969)
- Wedding Bell Blues (Mercury single 72969-A, 1969)
Tracks 1-10 scheduled for Magic Colors, Mercury LP SR 61148, 1967
Tracks 6, 8-10, 20, 23 first appeared on It's My Party!, Bear Family BCD 15742, 1994


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Author-- cornerofmadness
series -- manga
Disclaimer -- Arakawa owns them, not I
Rating -- PG-13
Characters/Pairing --Riza, Roy, hints of UST
Timeline/Spoilers -- set during the Ishbalan war
Word Count -- 708
Warning -- none
Summary -- Even the flames can't warm her
Author's Note -- Riza wanted this prompt the moment I saw it. Thanks to evil_little_dog for the edits and the title help. It was written for fma_fic_contest' 'firelight prompt. It won third. (see the banner on my LJ at the link)
She could see the flicker of firelight in the distance
cross posted


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HONOLULU, Hawaii (HawaiiNewsNow) - A drier and more stable airmass should be moving over the islands for the weekend and into the first half of next week, which means we should have more sunshine during the day and just a few light showers for windward areas at night. Trade winds will slow down a little during the weekend, but a new area of high pressure could bring locally windy conditions Monday and Tuesday.
Surf for north and west shores has fallen below advisory levels. The next large northwest swell is forecast to build late Sunday into Monday and peak Monday night, very close to warning levels. East shore waves will be a bit higher, especially for Kauai and Oahu, due to a short-period north-northeast swell, but waves should remain below advisory heights. A small craft advisory will remain posted overnight for Hawaiian coastal waters, except for waters leeward of Maui.
Copyright 2019 Hawaii News Now. All rights reserved.


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In this global pandemic one of the best things we can do is continue to "love our neighbors as ourselves" (Mark 12:31) This is the time to check on your neighbors and help meet any needs you're able to. Check on your friends from school and work. Give people a call that may be spending time in isolation completely alone. Be on mission where ever you go and remember that you are the body of Christ (1 Corinthians 12:27). Seek out ways to care for and love those around you so that the love of Christ may be known to the ends of the earth.
Here are some practical ways we are seeking to care for the community at large.
Food and Supply Donations
The Winter Park Housing Authority is a non-profit organization that owns and operates affordable housing for low income seniors, individuals, and families in the city limits of Winter Park. They own 6 properties in Winter Park, housing over 700 residents. While they are always collecting food and supply donations to help their residents, they are in particular need at this time.
Some of the needed items include:
-Non-perishable food items
-Household cleaning items
-Paper products
-Personal care items
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Attn: Tarena Grant
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Thank you for stopping by lilacgrovegifts.com today. If you've landed on this page you either have questions about your order or you're looking for a way to get in touch with us.
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The Sleeping Beauty
Event Date/Time
7:30 pm - 10:00 pm
Event Location
Civic Theatre - Invercargill,
88 Tay Street,
Event Details
Royal New Zealand Ballet presents the Ryman Healthcare Season of The Sleeping Beauty
…in an enchanted kingdom, a princess was born. Blessed by fairies, Aurora grew into a beautiful young woman, protected by everyone who loved her from the evil beyond the castle walls. On her 16th birthday, Aurora's world was shattered by the malevolent Carabosse, but, saved from certain death by the kindly Lilac Fairy, she and her kingdom slept for a hundred years, until woken by a brave and handsome prince. Restored to life and health, Aurora and her prince ruled over the kingdom with wisdom and kindness, in a happy golden age of love and beauty.
The Sleeping Beauty is the quintessential classical ballet. The grandest of fairy tales, luxuriating in Tchaikovsky's gorgeous orchestral score, it spills over with fairies, woodland sprites, handsome princes and, at its heart, an enchanting princess. This new Sleeping Beauty will unfurl like a fragrant summer rose, with all the radiance and joy that any ballet lover, young or old, could wish for.
For Christmas 2020, we are delighted to present a magical new production by Australian choreographer Danielle Rowe, with beautiful traditional costumes designed by Spanish dancer-turned-designer Dores Andre and sets by master designer Howard C Jones, creator of the RNZB's much-loved production of Giselle.
All the hallmarks of the fairy tale classic will feature, including the iconic Rose Adagio in Act I and a spectacular wedding celebration, with grand pas de deux, in Act III.
Share the joy of a timeless classic with the young and young at heart next Christmas.
An allocated seating event at the Civic Theatre, 88 Tay Street, Invercargill.
For all enquiries please contact the ICC Booking Office, 101 Esk Street, Invercargill, Phone (03) 211 1692.
Children – Suitable for school-aged children from 5-17 years.
Concessions – Applies to Senior Citizens, Tertiary Students and the Unwaged. ID may be requested upon entry so please ensure you have this with you.
Group Bookings – Discounts available for groups of 6+ adults/children, or 20+ adults/children and school groups (teacher/student radio 1:9; applies to secondary, primary and intermediate schools, early childhood centres, home-schools and special education schools). For all inquiries and bookings please contact the ICC Booking Office – not available online.
Subscriptions – Book two or more ballets (Invercargill and one other city eg. Dunedin) at the same time and save. Contact Royal New Zealand Ballet directly for all subscription inquiries and bookings.
Free Carers/Companions accompanying Wheelchair/Disability Patrons – Accompanying carers or companions can attend this performance for free. This applies to any person in a wheelchair, or with a disability. In particular, we recommend purchasing wheelchair spaces early to avoid disappointment. Please note that there is no lift access to the Gallery.
Warm Up, Curtain Up! 6.20pm – Watch the Royal New Zealand Ballet dancers warm up for their evening performance. General admission. Gold coin donation.
Door Sales
Theatre doors open one hour prior to the performance start time for Box Office ticket sales (subject to availability).
Show Running Time – 2 hours 30 minutes (including intermission) approximately.
Intermission – Drinks and snacks will be available to purchase pre-show and during intermission.
Photography & Filming
The use of cameras/videos and other recording devices is not permitted.
Pickup Tickets – Internet or phone purchased pick-up tickets will be available for collection from the ICC Booking Office after 2.30pm the day following your purchase (on business working days). Any uncollected tickets, or tickets purchased for pick-up on the day of the event, can be collected from the venue in the hour before the event commences.
Dress Circle (centre seats Row A – G)
Front Stalls (centre seats Row B – K)
Back Stalls (centre seats Row L – M)
A Reserve:
Dress Circle (outside seats Row A – G, plus centre seats Row H)
Front Stalls (Row A plus outside seats to Row K)
Back Stalls (far outside seats from Row L – M, plus centre seats from Row N – Q)
B Reserve:
Dress Circle (far outside seats from Row A – H, plus Row J)
Back Stalls (far outside seats from Row M – Q, plus Rows R – S)
IMPORTANT – Tickets to all events at this venue must be purchased from TICKETDIRECT or TICKET ROCKET or an affiliated local agency. Tickets purchased through a third party or unauthorised seller will result in your tickets being void and access into the event being restricted.
Event Categories
Organiser Details
Event LinksVisit Event Website
Visit Event Facebook Page
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I feel like you hold something greater
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We say goodbye.
Author Notes: well, hey there. its been a long time coming :) i hope everything's ok. if nobody told you this today, you're amazing. keep it up, champ. i'll see you around.
Recommend Reviews (1) Write a ReviewReport


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ASHIYA Funiculus Umbilicalis Whitening Serum 5ml/0.17oz
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Lord Browne: How leaders can bounce back from catastrophe
The former chief executive of BP on the mistakes leading up to his resignation and the lessons of that traumatic experienceMatt Scott
After more than 40 years at BP, John Browne, The Lord Browne of Madingley, resigned from his position as CEO of the oil giant in 2007 after what he describes frankly as a series of "errors and mistakes".
Ultimately, at a super injunction hearing aimed at keeping his homosexuality out of the national press, Lord Browne lied about how he met his former boyfriend. After the injunction failed and the truth came out, he decided to resign from one of the most high-profile roles in global business.
"I was determined to stay in the closet against almost all practicality," he said as part of the CMI Bouncing Back series of events. "I was living two lives until they crashed together. I made a lot of mistakes in that and sacrificed a lot of things and have had to play catch-up with my personal life.
"It was wrong [to hide my sexuality] because part of being a leader is to demonstrate that being different and inclusion is really important. If you are hiding away such an important thing, then it diminishes you as a leader."
Reflecting on the consequences of his experiences, Lord Browne urged more leaders to be open about their sexuality. He cited Apple's chief executive Tim Cook as an example of how a business leader can benefit by coming out, however late they choose to do so.
Before Cook came out, Lord Browne said, it seemed as if he was "walking on eggshells". Now that his sexuality is no longer a secret, he is able to be much more direct and honest with his comment.
"When you restrain yourself, it's a great, great burden."
Browne added that, "If you look around the world for an openly gay CEO there is only one. Tim Cook is the only openly gay CEO in the Fortune 500 and statistically I would say that it is improbable [that he is the only gay CEO]."
Falling back on a support network
To get over the shock of his public outing and subsequent resignation, Lord Browne relied heavily on friends.
"There was a large set of my friends who wrote letters to the newspapers in my support and were always calling me and writing to me," he said. "There were large numbers of people who expressed their support, both privately and publicly."
He was also supported by total strangers. "When I was in the street walking around people would come up to me and say, 'I want to shake your hand and say, I'm with you.' I thought that was a remarkable sign of human compassion and consideration."
In bouncing back from these traumatic experiences, Lord Browne drew on lessons he learned from his mother, who was an Auschwitz survivor.
"When you asked her about her life, she would say: 'Well I've had several lives. I had a life until 1944 in Hungary and I enjoyed that a lot, and then I had a life from 1945 when I met your father and then I had a life with you'.
"When you asked what happened with the missing piece, she said: 'That wasn't a life'.
"She said: 'We never talk about it, we only go forward." The future is the only thing that matters, the past is not important if it gets you down. You have to look forward the whole time."
"The answer was to build the future, and do it in tiny steps," he concluded.
The future of leadership
Modern chief executives come under much greater scrutiny from stakeholders and the media than ever before, said Lord Browne. This means it's more important than ever, when running a business in the public eye, to handle relationships properly.
"When I started in business almost 50 years ago, chief executives and chairmen were treated with some respect and were treated as figures of authority who could define things for the nation," he said. "That's not the case now – they are much more exposed to a daily torrent of comment, criticism and observation.
"That makes it much more important, therefore, to handle your relationship with all aspects of society in a constructive way."
Hear from other leaders who have bounced back from adversity, including the man who brought down Barings Bank, Nick Leeson, and the entrepreneur and former Conservative London mayoral candidate Ivan Massow, here
Press & Media Enquiries
For more information or to request interviews, contact CMI's Press Team on 020 7421 2705 or email email@example.com
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A 35-page zine about the making of ISOLA, and the colouring of ISOLA, illustrated and compiled by me! (ISOLA's colourist)
The printed versions (separated into 2 books) will be printed in limited quantities and sold at conventions only so this gives you the chance to read it if we can't see you in person!
This zine isn't a "How-to colour comics" per se but more of how the colouring in ISOLA is achieved . I hope this is useful for anyone looking for inspiration!!
<3 miss sassypants <Michele>
www.msassyk.com | @msassyk <--Have a peek for occasional process shots as the comics get made :)
What is ISOLA?
A lavish new fantasy series from acclaimed storytellers BRENDEN FLETCHER (New York Times bestselling author of Batgirl of Burnside) and KARL KERSCHL (Eisner Award-winning artist of Gotham Academy and The Abominable Charles Christopher).
Collects issues 1 through 7 of the ongoing series from Image Comics.
Recommended for fans of Studio Ghibli and the work of Hayao Miyazaki.
www.isola.ca | @isolacomic
www.karlkerschl.com | @karlkerschl (Creator)
www.brendenfletcher.com | @.brendenfletcher (Creator)
https://adityab.net | @adityab (Letterer)
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