Look at that adorable little face! Can anything warm your heart as quickly and completely as the tiny soft body of a puppy. any puppy? Their little bodies nuzzle right up to you. Their little eyes melt your heart in a second. Who doesn want a puppy? How wonderful they are; unconditional love, unlimited cuteness, too adorable for words. This article was not intended to discourage you, but rather to help you prepare for this new addition and make sure this is the right decision for your family. There are several things to consider as your family discusses the possibility of getting a puppy. 1. The first thing is that every puppy becomes a dog within 1 2 years depending on the breed. You have up to 2 years of puppydom and up to another 13 or so years of adult dog. So don think about how a puppy will affect the family. Think about how a DOG will affect the family; a much bigger, not quite so cute, likely not well trained dog. So before you go looking for a puppy, spend some time with adult dogs of the breed you chosen and see if you still interested. 2. The second thing to consider is the expense of having a dog. Costs will vary depending on the size, the breed, and the health of the dog. There the initial cost of your new pet. A truly responsible dog owner will NOT support puppy mills. Watch for future articles about puppy mills. It suffices to say that puppy mills exist only because people buy the puppies. No customers, no business, no more torturing and abusing dogs. So you either get your puppy from a reliable breeder or from a rescue shelter. There will be a cost associated regardless of which you choose. Most rescue shelters charge approximately $500 regardless of the breed. Rescue shelters are non profit. This fee pays for food and vet bills to spay or neuter our furry friends. Occasionally dogs require surgery or other medical attention. You can see that this figure is by no means an absolute. The purchase price from a breeder will vary depending on the breed of dog and the breeder. So many of the costs are dependent on the decisions you make. Will you use a dog crate for house training or when no one is home? What sources will you use for training; books, videos, training lessons, a combination of all three? Will you provide your pet with just a bowl on the floor or a water fountain which constantly circulates the water ensuring your dog has fresh water at all times. You could spend up to $2,000 in your first year for basic essentials; licence, collar, dog walking leash (perhaps a couple of different kinds), water bowl, food bowl, food, toys, dog bed, grooming equipment, dog crate, gates and fences for the yard, vet bills (puppies need check ups, dental checks and vaccinations just like your children did), flea treatments, heart worm medication, some dogs require professional grooming every 6 8 weeks, any behaviour training supplies. After the first year, depending on your dogs health, you can expect to spend between $500 and $2,500 each year for basic maintenance; again this amount has a lot to do with the breed of dog you chosen. This does not include additional carpet/furniture cleaning as a result of inevitable pet "accidents". There is also the cost of replacing "doggie chewed" items like children toys, nic nacs, shoes, wallets, purses, pillows, bedding, and other items your dog naughtily entertained him/herself with. This also does not include medical emergencies like your dog eating chocolate, or aspirins, or other poisonous items, or any accidental injuries that may occur. 3. Next, examine your lifestyle. Dogs are incredibly social animals. Your dog, just like your children, will require large amounts of quality time. (No wonder people get their pets confused with their children. There are so many similarities.) It irresponsible to bring a dog into your family and then leave him/her alone for 10 hours every day. Think about how many hours will your pooch be left alone each day? Remember to include after school or work activities like baseball, soccer, hockey, karate, ballet, tennis, overtime work hours, etc. in your "away" time. How many people are in the family? What age are your children? Toddlers or smaller children may not be a good combination with a larger, more aggressive dog. Puppies have little bladders and need to go out about every 1 to 2 hours; adult dogs at least 3 times a day. That just a "potty" out. Your dog will also need exercise. All dogs need exercise! Think in terms of 30 to 60 minutes each day for all dogs. Beyond that you need to take your specific pet into consideration for additional exercise needs. Ignoring this means that your dog will be bored and may start behaving badly. How much more exercise depends on the breed. Border Collies, Jack Russells, Doberman Pinschers, Labrador Retrievers, English Springer Spaniels, Boxers, Irish Setters, and Huskies, typically herding dogs to name a few require at least an hour of vigorous exercise at least twice each day. Many dogs require mental stimulation in addition to the physical. This is playtime and training time and it equally important as physical exercise. Time. time. time. If you can commit to this for your dog, you will want to consider a breed that is less demanding. Shih Tzus, Pugs, Poodles, Basset Hounds, and Beagles require much less of an exercise commitment. Will your children be able to help you walk the dog each day? Will they be able to handle a large dog or perhaps a smaller dog would be more suited to your family? Or perhaps this isn the right time for a dog. I cannot impress upon you enough how important it is to seriously consider these points before making a decision. Think of this as important a decision as having a baby. You can "try it out and see if it works". If it doesn "oh well" and do away with it. It not fair to you or your family, and it not fair to the dog. Perhaps you reading this and logically thinking "She right. I don have the time, or the money." But still your heart is yearning for a dog. There is a solution. Offer to babysit someone else dog while they go away on vacation. If that works out well, try fostering a dog. Fostering means that you will care for a "rescued" dog until a forever home can be found. Because this is a temporary situation, once your "charge" is placed, you can choose not to take any more, if you decide that having a dog is not the right thing for your family. This is a great way to "test the waters"; to see if your family is truly ready for the responsibility of having a dog. You learn a lot about training and how to deal with dogs and at the same time you are offering a tremendous service to our wonderful canine companions. 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If you want to make an offer, PM THE OWNER. It not hard. If you offering to cop for someone, indicate it for retail plus PayPal fees or the comment will be removed. We try hard to keep this place TOTALLY free of buying and selling. There are dozens of places to sell your kicks. Please try there. No posts or comments advertising/linking sites selling fakes. You be banned. No posts asking where to buy fakes. You will be banned. Discuss fakes somewhere else. This sub wants NOTHING to do with fakes No blog spamming. If everyone one of your posts is a link to your blog, you might be banned. No advertising your business in posts or in comments. Consult with the mods about promotional offers. No posts about bots. Don ask for them. Don post links to them. You will be banned. No posting direct links to social media accounts that aren yours. If the account belongs to a celebrity or very well known public figure then its OK. This is determined at the mods discretion. No posting personal information of any kind. close this windowyou'll need to or register to do thatcreate a new accountall it takes is a username and password Women Nike Free Run 4.0 V2 Stealth Reflective Silver Volt,Secretary of State John Kerry exhorted leaders on both sides Thursday to "lead" and to do so now to prevent the negotiations from collapsing. In Algeria for strategic security talks after traveling to the Mideast twice in the past 10 days to rescue the peace process, Kerry called it a "critical moment" for the peace process and vowed to continue his efforts "no matter what." But he added there are limits to what the Obama administration can do to push the parties together and said it would be a "tragedy" if the talks failed. In unusually blunt terms, Kerry made his impatience clear although he allowed that he could not force Israeli Prime Minister Benjamin Netanyahu or Palestinian President Mahmoud Abbas to continue the talks, let alone actually resolve the long running conflict. "You can facilitate, you can push, you can nudge, but the parties themselves have to make fundamental decisions and compromises," he said. "The leaders have to lead and they have to be able to see a moment when it's there." He recalled the old adage that you can lead a horse to water but can't make it drink. "Now is the time to drink," Kerry said. "The leaders need to know that." Later during a visit to a Nike store for a youth soccer event, Kerry half joked that he was tempted to use the company's slogan "Just Do It" in his recent discussions with Abbas and Netanyahu. "But," he added wryly, "I don't know if that would have worked so well." At a news conference with Algeria's foreign minister, Kerry told reporters he planned to talk with both leaders Thursday afternoon. mediators huddled with Israeli and Palestinian negotiators in Jerusalem overnight. But there is a still a gap and that gap will have to be closed and closed very soon," Kerry said. Kerry has spent much of the last two weeks frantically trying to keep the peace talks from breaking down. He saw Netanyahu in Israel on Monday and Abbas last week in Jordan, but cancelled a third trip to the region on Wednesday after the Palestinians said they would seek greater United Nations recognition over Israeli objections. Abbas announced the move after Israel refused to release a group of Palestinian prisoners it had earlier agreed to free. Both actions run counter to the agreement the two sides reached last year to negotiate a settlement by the end of April. Despite eight months of talks, there have been few, if any, tangible signs of progress. Confronted with the deadlock, Kerry and his team have incrementally lowered the bar for success of the talks from a comprehensive peace deal to a framework for an agreement and are now trying merely to keep the two sides talking beyond the initial target date. Kerry said both Netanyahu and Abbas have told him they remain committed to talks. He said the current disagreements were over "process" rather than "the fundamental substance of a final status agreement."
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It will not go any further with anything else that has to do with image. A wardrobe stylist is also given a budget to just go ahead and buy everything that the person or the people in the shooting is going to need so if it is for a movie she is given a budget to go ahead and find every piece of clothing that she would need for the set and if it is for private client of course she will do the personal shopping most of the time with the client, she will take the client and try on different styles, clothing so she can just go ahead and see how the whole wardrobe is going to come up together. So aside of actually putting the clothes together at the set or at the house of the person they just go ahead and buy everything that they need including accessories, shoes, and everything else they are going to need for the actual, you know, impression. Women Nike Free Run 4.0 V2 Stealth Reflective Silver Volt 5, 2012 /CNW Telbec/ Laurentian Bank of Canada reported net income of $140.5 million or $4.98 diluted per share for the year ended October 31, 2012, compared with $123.7 million or $4.65 diluted per share in 2011. Return on common shareholders' equity was 12.1% for the year ended October 31, 2012, compared with 12.2% for the same period in 2011. Return on common shareholders' equity was 14.2% compared with 9.9% for the fourth quarter of 2011 and 10.1% for the third quarter of 2012. Excluding adjusting items, net income was up 8% year over year to $36.2 or $1.17 diluted per share for the fourth quarter of 2012 and up 3% quarter over quarter. Adjusted return on common shareholders' equity was 10.9% for the fourth quarter of 2012. Commenting on the Bank's financial results for 2012, Rjean Robitaille, President and Chief Executive Officer, mentioned: "We successfully improved our earnings year over year and, in so doing, reached record profitability in a challenging retail banking and low interest rate environment, recording the eighth consecutive year of rising earnings per share. As net interest margins continued to be pressured throughout the year, sustained organic growth in loan and deposit volumes combined with the Bank's acquisitions of the MRS Companies2 and AGF Trust Company (AGF Trust) generated strong revenue growth. The excellent credit quality of the Bank's loan portfolio also contributed to our good performance. In the midst of persistent economic uncertainty, we will continue to prudently invest in various initiatives in our business lines, while closely controlling costs, with a constant focus on profitable growth to optimize the deployment of our shareholders' equity." On the integration of the MRS Companies and AGF Trust, Mr. Robitaille added: "As significant milestones of the system conversion and client integration process of the MRS Companies are now achieved, we remain focused on materializing the full potential from this strategic transaction. Our efforts now gradually turn to the integration of the AGF Trust business in order to optimize the benefits for the Bank and for our clients." Mr. Robitaille concluded: "In this difficult and uncertain environment, we remain committed to enhancing value for our shareholders and we are confident in our ability to maintain our progress. I am therefore pleased to announce that the Board of Directors has approved an increase in our quarterly common share dividend of $0.02 to $0.49 per share."International Financial Reporting Standards (IFRS) are the generally accepted accounting principles (GAAP) for Canadian publicly accountable enterprises for years beginning on or after January 2011. The Bank implemented IFRS as its financial reporting framework on November 2011. Transition to IFRS occurred as at November and required restatement of the Bank's 2011 comparative information from the previous Canadian GAAP (CGAAP) basis to the new IFRS basis. Additional information on the impact from the transition is available in the Bank's 2012 Annual Report, in the notes to the annual consolidated financial statements and in the Supplementary Information reported for the fourth quarter of 2012. Forward looking statements include, but are not limited to, statements regarding the Bank's business plan and financial objectives. The forward looking statements contained in this document are used to assist the Bank's security holders and financial analysts in obtaining a better understanding of the Bank's financial position and the results of operations as at and for the periods ended on the dates presented and may not be appropriate for other purposes. Forward looking statements typically use the conditional, as well as words such as prospects, believe, estimate, forecast, project, expect, anticipate, plan, may, should, could and would, or the negative of these terms, variations thereof or similar terminology. By their very nature, forward looking statements are based on assumptions and involve inherent risks and uncertainties, both general and specific in nature. It is therefore possible that the forecasts, projections and other forward looking statements will not be achieved or will prove to be inaccurate. Although the Bank believes that the expectations reflected in these forward looking statements are reasonable, it can give no assurance that these expectations will prove to have been correct. The pro forma impact of Basel III on regulatory capital ratios is based on the Bank's interpretation of the proposed rules announced by the Basel Committee on Banking Supervision (BCBS) and related requirements of the Office of the Superintendent of Financial Institutions Canada (OSFI). Changes to the interpretation of Basel III rules may impact the Bank's analysis. The Bank cautions readers against placing undue reliance on forward looking statements when making decisions, as the actual results could differ considerably from the opinions, plans, objectives, expectations, forecasts, estimates and intentions expressed in such forward looking statements due to various material factors. Among other things, these factors include capital market activity, changes in government monetary, fiscal and economic policies, changes in interest rates, inflation levels and general economic conditions, legislative and regulatory developments, competition, credit ratings, scarcity of human resources and technological environment. The Bank further cautions that the foregoing list of factors is not exhaustive. With respect to the anticipated benefits from the acquisitions of the MRS Companies and AGF Trust and the Bank's statements with regards to these transactions being accretive to earnings, such factors also include, but are not limited to: the fact that synergies may not be realized in the time frame anticipated; the ability to promptly and effectively integrate the businesses; reputational risks and the reaction of B2B Bank's or MRS Companies' and AGF Trust's customers to the transaction; and diversion of management time on acquisition related issues.
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