[Must Read] Before You Choose Debt Consolidation Secured Loans ...

There are usually a number of financial management options that can be explored when people are in debt. Common financial management options include debt consolidation secured loans (DCSL) or debt management plans (DMP) etc. The best one really depends on your actual finance circumstances and also how much debts (or better called them uncontrollable arrears) you are really in.

Perhaps the best way to assess this problem is to be honest 100% with yourself. Get all your paperwork out and list your financial obligations one by one. At this stage, do not miss any item out just because you feel capable of handling that one with ease. The art of dealing with debts is to look at the whole picture and deal with it all in an open, honest, and a critical way in order to choose the best vehicle to manage or eventually get out of financial troubles.

Whatever financial management option you choose to get out of debts, you must be fully committed to it. For example, an IVA or voluntary agreement usually works around a five-year plan. Therefore, you must be committed to the related consolidation terms and conditions for five years to get out of financial troubles.

It should be aware that, on the other hand, a debt consolidation secured loan can be set up from five up to thirty years. The important factor with such kind of secured loan is to feel comfortable with monthly repayments and that you can commit to this payment without leaving yourself short. If you do leave yourself financially short, you will end up creeping back into financial troubles. It is because if you borrow bits here and there, you will then just go back to stage one (uncontrollable arrear). In such case, we believe that you should spread your loan repayments for as long as it takes, thus making sure the monthly repayment is honestly affordable and controllable. This way you can begin a fresh with your finances only concerning yourself with one monthly repayment and never letting yourself get into financial troubles again.

When taking out a debt consolidation secured loan you must really see this as a fresh start, a new beginning of your financial life so once the secured loan is complete, you should cut up all those credit cards. When other secured loan adverts and applications come through the door, you must rip them up. However, before we go into additional consolidation details, you should look carefully at all the available options you can consider to get yourself out of financial troubles to ensure that a right decision is made.

(i) Debt Consolidation Secured Loans (DCSL)

By definition, a Debt Consolidation Secured Loan (DCSL) is a way of merging all your financial obligations into one simple monthly payment. This monthly repayment is often a lot lower than you will be paying for all your financial obligations at that moment. Anyone would be happy with lower monthly repayments after consolidation. As mentioned earlier, you can spread your loan repayments over a longer period and often the borrowing interest rate is lower, often a lot lower! Do be aware though that if your secured loan stays over a longer period, you will be paying interests for longer duration and so the overall actual loan repayment could be larger in certain consolidation circumstances.

An IVA or voluntary agreement is known as a step before bankruptcy. It will affect your credit rating for some time and therefore we believe this method should be explored only if a secured loan or other debt management plans are financially unavailable. An IVA is an official debt repayment plan that, in most cases can reduce the interests you are paying for your secured loans, sometimes can even freeze your financial obligations. That said, IVA can sometimes reduce the total amount of debts that you owe after consolidation. An IVA may also give a certain level of legal protection from the companies that you owe money to.

(ii) Debt Management Plans (DMP)

By definition, Debt Management Plans (DMP) are an informal process of negotiating with your creditors. Again, these management plans can freeze or reduce the interests that you need to pay for. Your creditors may also offer extensions on your debt repayment terms or periods of time your financial obligation is spread over. As a result, these management plans can sometimes involve writing off some of the financial obligations you have.

It should be aware however that this type of management plans too can effect your credit history and thus your credit rating. Usually these plans also offer service providers hefty fees written in to your repayment terms. These fees, on some occasions, just increase the amount of money you owed dramatically. Be careful that these fees may also been hidden from customers who concentrate only on monthly repayment of debt management plans.

In all, you have to be away of any uncontrollable debt, by making use of either debt consolidation secured loans (DCSL) or debt management plans (DMP). However, always remember to read the related terms and conditions carefully or else you will go into another financial troubles again.

Source: http://financialsgroup.blogspot.com/2012/10/must-read-choose-debt-consolidation-secured-loans-management-plans.html

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Hemorrhoid Treatments ? Health & Fitness

Richard asks…Hemorrhoid treatments?I?m pretty sure I have a hemorrhoid but it doesn?t bleed and it doesn?t itch/burn. But it is a bump and it?s been there for awhile. It doesn?t bother me so I haven?t done anything about it but now I heard that it can get worse if you don?t treat it. So what works best to treat it? Prep H or something? answers:You don?t need to treat your haemorrhoid until it is painful, as treatment is to use a pessary to shrink an internal haemorrhoid and a cream to shrink

Click here for best cure for hemorrhoids

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Source: http://healthfitnessbloginfo.wordpress.com/2012/10/09/hemorrhoid-treatments/

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Marshwood Times: A New Way to Conquer Health and Fitness ...

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A New Way to Conquer Health and Fitness: Freshman Wellness

By: Joab Aubert

Out with the old and in with the new. ?Gym and health classes at Marshwood High School are combined this year into ?Freshman Wellness? with the hope of exposing students to healthy choices mixed with physical activity. We?re ?integrating health so it relates with physical activity,? said Mrs. Jennifer Webb, MHS guidance counselor. ?Health class and one semester of MHS?s ?gym requirement are now completed at the same time.

Thanks to Mrs. Tarnya Fegan, MHS?s previous wellness counselor, and Mr. Paul Mehlhorn, Marshwood principal, the curriculum for this course was created. ?Students no longer take a whole year of gym freshman year then half a year of health sophomore year. The wellness course is completed by the end of freshman year, and students get to choose a one semester gym elective to meet the 1.5 credit requirement.

Mr. Mehlhorn made it clear that students need to be exposed to healthy living at a younger age. ?Students need physical activity to keep the body strong, along with knowing how to keep their body in good condition for a healthier lifestyle.

The wellness class also teaches students about healthy food choices, healthy living, and what to do in certain situations such as when depression strikes, or how to avoid substance abuse. Mr. Mehlhorn explained that ?the class is all about ?increasing [student] awareness.? Students need to know what options they have to eat healthier and where they can go when feeling down, stressed, or overwhelmed.
??
The wellness class has created an environment where each student can pick his or her own fitness path. Students now have opportunities to choose classes that best suit. Creating more classes for the students allow more exposure to different pathways to health.

Mr. Mehlhorn said, ?every person has a physically fit plan that works for them.? ?To get their final gym credit, students don't have to be stuck in a gym class including competitive team games if it simply doesn?t match their preferences. Instead, students can pick something that suits them better and allows for more participation whether it be fit for life, weight training, or team games.

Freshman Wellness has increased the amount of gym electives that can be chosen by students. There shouldn?t be any worries about picking another class that counts for a half gym credit. Because of the wellness class, several new gym electives, such as Team Games, have been created in order to serve student interest. The goal wasn?t to make it harder for someone to choose their gym class; more options were created in attempt to catch everyone?s eye. Students will be able to pick the class that makes them feel the most comfortable with their surroundings.

We ?wish it was brought in when we were freshmen,? agreed seniors Cody Dutra and Andrew Purgiel. The new class structure caught their attention because it gets the health requirement ?out of the way? freshman year. Both like the idea of the change because it clears up space in a sophomore?s schedule. These seniors noted that, ?kids end up taking another gym credit anyways,? so the ?hassle? of having to find another gym class isn?t as bad as it seems. ?Many juniors and seniors already choose to take another gym elective for fun.

Freshman Wellness has created a medium for fitness that can meet the needs of many students. This class has created new opportunities for students to explore and discover healthy lifestyles. Freshman Wellness is a new improvement to our school and is a change that was definitely worth making.

?

Source: http://marshwoodtimes.blogspot.com/2012/10/a-new-way-to-conquer-health-and-fitness.html

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Scientists discover gene 'bursting' plays key role in protein production

ScienceDaily (Oct. 8, 2012) ? Scientists at the Gladstone Institutes have mapped the precise frequency by which genes get turned on across the human genome, providing new insight into the most fundamental of cellular processes -- and revealing new clues as to what happens when this process goes awry.

In a study being published this week online in the Proceedings of the National Academy of Sciences, Gladstone Investigator Leor Weinberger, PhD, and his research team describe how a gene's on-and-off switching -- called "bursting" -- is the predominant method by which genes make proteins. By gaining an understanding of this underlying mechanism, this discovery has the potential to vastly help researchers learn what happens at the molecular level when this mechanism is disrupted -- such as in cancer or when exposed to a particular drug.

The manufacture, or synthesis, of proteins takes place inside every cell. DNA and genes -- which house the instructions for making proteins -- are stored within the nucleus of each cell. When a gene is switched on, those instructions are transcribed as a copy onto RNA, another type of genetic material that then directs the protein synthesis. Proteins perform a variety of functions within the cell -- from the breaking down and digesting fats to resisting foreign invaders, such as bacteria or viruses. The timing and frequency with which a particular protein is synthesized is crucial to maintaining the health of the cell.

"Much like flicking on a light switch, genes get 'switched on' at specific intervals to initiate the fundamental biological process of protein synthesis," said Dr. Weinberger, who is also an associate professor at the University of California, San Francisco (UCSF), with which Gladstone is affiliated. "Until recently, the process was thought to be continuous -- once a gene is switched on, it stays on, churning out protein products at a steady pace like a garden hose. But recently, some studies have suggested the opposite -- that DNA produces RNA molecules in rapid-fire 'staccato' bursts. We decided to investigate how common this rapid-fire bursting was across the genome."

In laboratory experiments, Dr. Weinberger and his team inserted a green fluorescent protein, or "vector," into the DNA of Jurkat T lymphocytes -- a type of white blood cell that helps maintain a healthy human immune system. From this they generated new cells in which the vector was integrated into any one of thousands of gene segments -- with each segment glowing green when it was activated, or "switched on." This allowed the researchers to see exactly how gene activation occurred across the entire human genome.

"Our analysis reveals support for the "bursting" hypothesis -- the genes acted as a sort of strobe light -- transcribing RNA in rapid-fire bursts," said Roy Dar, PhD, a Gladstone postdoctoral fellow and one of the paper's lead authors. "We observed that the bursting frequency increases until, over time, it reaches a particular threshold. At that point higher protein levels are reached by increasing the size of the bursts, eventually coming to a halt when no more protein product is needed. These results are a huge step towards understanding the basic molecular mechanism behind gene regulation."

"Dr. Weinberger and colleagues have shown that there is a single rule governing the behavior of all genes in the genome. Their findings in human cells complement and extend similar findings made recently in other organisms," said Arjun Raj, PhD, assistant professor of bioengineering at the University of Pennsylvania and an expert in imaging single molecules within cells.

The team believes that this new-found understanding of this fundamental biological process -- that genomic bursts account for the majority of instances of protein production -- holds clues to discovering how the disruption of these bursts could be harmful.

"For example, in certain cancers, genes may be switched on at the wrong times, eventually leading to the formation of tumors," said Brandon Razooky, a Gladstone and UCSF graduate student and the paper's other lead author. "This is also a good example of how the basic science being performed here at Gladstone provides a solid foundation with which to prevent, treat and ultimately cure some of the world's most devastating diseases."

Michael Simpson, PhD, from the Oak Ridge National Laboratory Center for Nanophase Materials Sciences, is also a senior author on this paper. Funding came from a variety of sources, including the NIH Director's Common Fund Program (through the NIH Director's New Innovator Award Program), the National Science Foundation's Graduate Research Fellowship Program, the US Department of Energy, the Pew Scholars Program in the Biomedical Sciences, and the Alfred P. Sloan Foundation.

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Story Source:

The above story is reprinted from materials provided by Gladstone Institutes.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.


Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/~3/Zvk-vMQeZso/121008161848.htm

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Scientists discover gene 'bursting' plays key role in protein production

Tuesday, October 9, 2012

Scientists at the Gladstone Institutes have mapped the precise frequency by which genes get turned on across the human genome, providing new insight into the most fundamental of cellular processes?and revealing new clues as to what happens when this process goes awry.

In a study being published this week online in the Proceedings of the National Academy of Sciences, Gladstone Investigator Leor Weinberger, PhD, and his research team describe how a gene's on-and-off switching?called "bursting"?is the predominant method by which genes make proteins. By gaining an understanding of this underlying mechanism, this discovery has the potential to vastly help researchers learn what happens at the molecular level when this mechanism is disrupted?such as in cancer or when exposed to a particular drug.

The manufacture, or synthesis, of proteins takes place inside every cell. DNA and genes?which house the instructions for making proteins?are stored within the nucleus of each cell. When a gene is switched on, those instructions are transcribed as a copy onto RNA, another type of genetic material that then directs the protein synthesis. Proteins perform a variety of functions within the cell?from the breaking down and digesting fats to resisting foreign invaders, such as bacteria or viruses. The timing and frequency with which a particular protein is synthesized is crucial to maintaining the health of the cell.

"Much like flicking on a light switch, genes get 'switched on' at specific intervals to initiate the fundamental biological process of protein synthesis," said Dr. Weinberger, who is also an associate professor at the University of California, San Francisco (UCSF), with which Gladstone is affiliated. "Until recently, the process was thought to be continuous?once a gene is switched on, it stays on, churning out protein products at a steady pace like a garden hose. But recently, some studies have suggested the opposite?that DNA produces RNA molecules in rapid-fire 'staccato' bursts. We decided to investigate how common this rapid-fire bursting was across the genome."

In laboratory experiments, Dr. Weinberger and his team inserted a green fluorescent protein, or "vector," into the DNA of Jurkat T lymphocytes?a type of white blood cell that helps maintain a healthy human immune system. From this they generated new cells in which the vector was integrated into any one of thousands of gene segments?with each segment glowing green when it was activated, or "switched on." This allowed the researchers to see exactly how gene activation occurred across the entire human genome.

"Our analysis reveals support for the "bursting" hypothesis?the genes acted as a sort of strobe light?transcribing RNA in rapid-fire bursts," said Roy Dar, PhD, a Gladstone postdoctoral fellow and one of the paper's lead authors. "We observed that the bursting frequency increases until, over time, it reaches a particular threshold. At that point higher protein levels are reached by increasing the size of the bursts, eventually coming to a halt when no more protein product is needed. These results are a huge step towards understanding the basic molecular mechanism behind gene regulation."

"Dr. Weinberger and colleagues have shown that there is a single rule governing the behavior of all genes in the genome. Their findings in human cells complement and extend similar findings made recently in other organisms," said Arjun Raj, PhD, assistant professor of bioengineering at the University of Pennsylvania and an expert in imaging single molecules within cells.

The team believes that this new-found understanding of this fundamental biological process?that genomic bursts account for the majority of instances of protein production?holds clues to discovering how the disruption of these bursts could be harmful.

"For example, in certain cancers, genes may be switched on at the wrong times, eventually leading to the formation of tumors," said Brandon Razooky, a Gladstone and UCSF graduate student and the paper's other lead author. "This is also a good example of how the basic science being performed here at Gladstone provides a solid foundation with which to prevent, treat and ultimately cure some of the world's most devastating diseases."

###

Gladstone Institutes: http://www.gladstone.ucsf.edu

Thanks to Gladstone Institutes for this article.

This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.

This press release has been viewed 19 time(s).

Source: http://www.labspaces.net/124268/Scientists_discover_gene__bursting__plays_key_role_in_protein_production_

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Know More about Heart Disease Symptoms in Detail | ArticlePDQ.com

Earlier people who are very aged or people who are in 50s use to have heart related diseases but nowadays in this advanced era, any human being can be affected by heart diseases. Heart disease occurs anytime to anybody in anyplace. Even though we reside in this modern era, where technology is reaching sky, advance medicine have been discovered and with advance technology any heart diseases can be treated with latest equipment but still heart disease is a thing which is impossible to prevent. But that doesn?t mean there is no treatment or solution to it. It is essential to be alert and cautious and know in detail about heart related diseases. Before knowing how to prevent or cure it is important that you first know what its symptoms are? Heart disease symptoms are the one from which heart related disease is confirmed. The symptoms indicate heart disease types and there is wide variety of manners. Heart disease is related to a lot of diverse disorders; hence it should be sorted accordingly. They are Cardiovascular Disease, Cardiomyopathy, Heart Arrhythmia, Heart infections and other noticeable symptoms.

The following is explained below:

- Cardiovascular Disease

This is one of the lethal symptoms of heart disease. Its symptoms usually do not show up until it?s a life-threatening condition and its ailment goes unnoticed till its final stage. Because of this, blood vessels get blocked and it reduces adequate blood flow to your organs and other tissues. The symptoms of this include chest pain, shortness of breath and a number of less noticeable effects in the limbs.

- Cardiomyopathy

It happens when there is an unnatural thickening of heart muscle. The symptoms are sudden breathlessness, fatigue, swelling of lower legs and feet, abdominal bloating, dizziness and irregular heartbeats. Because of the cardiac muscles increasing inability to supply extremities with a proper amount of blood this all happens.

- Heart Arrhythmia

Heart Arrhythmia happens when there is an abnormal electrical activity in the heart. Sometimes it may result in cardiac arrest. It happens due to body?s changing supply of blood because heart rate fluctuation. Its symptoms are racing heartbeats, slow heartbeats, dizziness, shortness of breath and pain in the chest. Such symptoms lead to lethal heart disease symptoms.

- Heart Defects

This is one of the defects which are already present from birth. Sometimes it is noticed right after birth soon but sometimes it goes unnoticed for many years and noticeable before it is noticeable. The symptoms of this heart defects depends upon two factors when are noticeable earlier and when they are noticeable after many years. The symptoms of hearts defects when they are noticed early cyanosis, which turns the skin blue or pale gray, Shortness of breath, insufficient weight gain by an infant, swelling in the legs and abdomen and also around ocular cavities. The symptoms of heart defects when they are noticed after many years are short of breath during exertion, swelling of Hands, ankles and feet due to increase in fluids in those areas.

- Heart Infections

Heart Infections are said to be of three types or kinds. They are pericarditis, myocarditis and endocarditis. Pericarditis is an infection of the pericardium. It is a tissue which surrounds the heart muscles. Myocarditis is the one which affects the middle layer of muscle in the heart walls. Endocarditis affects the interior tissues of the heart, together with those that represent valves and chambers.

- Other Noticeable symptoms

Noticeable heart disease symptoms are some like those which easily noticeable. The symptoms include fainting, heart murmurs, swelling in the feet or ankles, thoracic discomfort, shortness of breath and fatigue.

Lidia Kilroy who is in the health and wellness industry for many years has launched a website with a view to educate users or people about heart disease symptoms and she personally recommends consulting doctor before it?s too late. The best way to deal with heart disease symptoms is to detect as early as possible. For more information simply visit here to acquire adequate info regarding heart related disease.

Lidia Kilroy has been in the health and wellness industry for several years and has recently been given the opportunity to develop a website about heart disease and the dangers involved in it. This website outlines the Heart Disease Symptoms as well as gives you advices to decrease most risks.

Source: http://articlepdq.com/health-fitness/know-more-about-heart-disease-symptoms-in-detail/

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Maternal depression affects language development in babies

ScienceDaily (Oct. 8, 2012) ? Maternal depression and a common class of antidepressants can alter a crucial period of language development in babies, according to a new study by researchers at the University of British Columbia, Harvard University and the Child & Family Research Institute (CFRI) at BC Children's Hospital.

Published today in the Proceedings of the National Academy of Sciences, the study finds that treatment of maternal depression with serotonin reuptake inhibitors (SRIs) can accelerate babies' ability to attune to the sounds and sights of their native language, while maternal depression untreated by SRIs may prolong the period of tuning.

"This study is among the first to show how maternal depression and its treatment can change the timing of language development in babies," says Prof. Janet Werker of UBC's Dept. of Psychology, the study's senior author. "At this point, we do not know if accelerating or delaying these milestones in development has lasting consequences on later language acquisition, or if alternate developmental pathways exist. We aim to explore these and other important questions in future studies."

The study followed three groups of mothers -- one being treated for depression with SRIs, one with depression not taking antidepressants and one with no symptoms of depression. By measuring changes in heart rate and eye movement to sounds and video images of native and non-native languages, the researchers calculated the language development of babies at three intervals, including six and 10 months of age. Researchers also studied how the heart rates of unborn babies responded to languages at the age of 36 weeks in the uterus.

"The findings highlight the importance of environmental factors on infant development and put us in a better position to support not only optimal language development in children but also maternal well-being," says Werker, who adds that treatment of maternal depression is crucial. "We also hope to explore more classes of antidepressants to determine if they have similar or different impacts on early childhood development."

High resolution photos of Werker (reading to children) and co-author Tim Oberlander are available upon request.

Background

"These findings once again remind us that poor mental health during pregnancy is a major public health issue for mothers and their infants," says co-author Dr. Tim Oberlander, a professor of developmental pediatrics at UBC and CFRI. "Non-treatment is never an option. While some infants might be at risk, others may benefit from mother's treatment with an antidepressant during their pregnancy. At this stage we are just not sure why some but not all infants are affected in the same way. It is really important that pregnant women discuss all treatment options with their physicians or midwives."

Previous research by Werker has found that during the first months of life, babies rapidly attune to the language sounds they hear and the sights they see (movements in the face that accompany talking) of their native languages. After this foundational period of language recognition, babies begin focusing on acquiring their native tongues and effectively ignore other languages.

The current study suggests that this key developmental period -- which typically ends between the ages of eight and nine months -- can be accelerated or delayed, in some cases by several months. In another recent study, Werker has found that this development period lasts longer for babies in bilingual households than in monolingual babies, particularly for the face recognition aspects of speech.

The maternal depression and language acquisition study was co-authored by UBC post-doctoral fellow Whitney Weikum at CFRI, Tim Oberlander of CFRI, UBC's Dept. of Pediatrics and BC Children's Hospital, and Takao Hensch, a professor of neurology at Harvard University.

This program of research was funded by agencies including the Human Frontiers Research Program (HFSP), the Canadian Institutes for Advanced Research (CIFAR), the Michael Smith Foundation, and the Canadian Institutes of Health Research (CIHR), the Social Science and Humanities Research Council of Canada (SSHRC) and the Natural Sciences and Engineering Research Council of Canada (NSERC).

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The above story is reprinted from materials provided by University of British Columbia.

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Journal Reference:

  1. Whitney M. Weikum, Tim F. Oberlander, Takao K. Hensch, and Janet F. Werker. Biological Embedding of Early Social Adversity: From Fruit Flies to Kindergartners Sackler Colloquium: Prenatal exposure to antidepressants and depressed maternal mood alter trajectory of infant speech perception. Proceedings of the National Academy of Sciences, 2012; DOI: 10.1073/pnas.1121263109

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/most_popular/~3/HFpBxsZoBy0/121008161846.htm

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YouTube Expands Original Content With New European Channels

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Source: http://news.yahoo.com/youtube-expands-original-content-european-channels-072135113.html

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7th Annual Gravenhurst Wharf 3 on 3 Pond Hockey Tournament ...

7th Annual Gravenhurst Wharf 3 0n 3 Pond Hockey Tournament
Lake Muskoka
Gravenhurst, Ontario
February 8 ? 10, 2013

Divisions:? Competitive, Recreational, Over 35

Details:
1. All games are 30 minutes in length consisting of two 15-minute periods with a 5-minute break in
between.
2. Ice rink surface size for all divisions will be 50? x 75 (approx)
3. No slap shots allowed.
4. Team registration form must have a minimum of four players on the roster, with a maximum of six in
total. Games are 3-on-3 format with no goalies.
5. Nets are reduced in size; standard opening of the net is 5 feet wide by 10 inches high.
6. There are no overtime periods in round robin play.
7. Playoff ties will result in two on two for 3 minutes. Team with most goals will win. There is no sudden
death. If tie remains after the 3 minutes overtime period, game will proceed with no time limit, and
first team to score will be declared the winner.
8. Round robin games will begin Friday, Feb 8th. (not all teams start on Friday night)
9. Round robin tie breaking procedures to determine the higher positioned team in the standings will be
as follows:
1. The team with the best win/loss record in the games between the teams involved
2. The team with the greatest point spread between the teams involved, (points/goals for, minus
points/goals against)
3. The team with the greatest positive point spread (i.e. points/goals for, minus points/goals
against) in the games played between them and the team in the next highest position in the
standings. (E.g. If still tied for second, would use games played against team in the fourth
positions. Continue sequentially.)
4. If a tie still persists, a coin toss determines the higher ranked team.
10. No officials in the round robin format. Our tournament is based on fair play and respect of others.

Need Accommodations for this Event??CLICK HERE

When crossing the US/CANADA border:
Click
here.

Official Hockey Tournament Website: www.onthepondcanada.com

Please note that hockey tournament details are subject to change. Always visit the official hockey tournament website for the most up to date tournament information.

Source: http://adultsportshockeytournaments.com/7th-annual-gravenhurst-wharf-3-0n-3-pond-hockey-tournament-gravenhurst-ontario?utm_source=rss&utm_medium=rss&utm_campaign=7th-annual-gravenhurst-wharf-3-0n-3-pond-hockey-tournament-gravenhurst-ontario

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Senior Pass Sale This Week ? Wesleying

Hey Class of 2013, remember when you voted the handsome devil David Shor ?13, featured above, as your Class President? This week, he?s writing in to remind you to pick up your Senior Pass and consider making a contribution to SWAG, the Seniors of Wesleyan Annual Gift. Seniors should remember that the Senior Gift contributes to a financial aid scholarship that will be awarded to an incoming Wesleyan freshman next year. The Class of 2013 has a goal of 92% participation and $15,000 raised. Here?s the important info, worded far more coherently than his initial write-up:

Senior events are a tremendous opportunity to enjoy the company of your entire class, from your best friend to your freshman year hallmate who always bumped the best jams. They are a chance to truly enhance the memories of senior year that you will cherish for years to come after graduation. Don?t miss out on these great events. You will regret it. More information about the passes, their sale, and the Senior Gift after the jump.

Passes will be on sale all this week during lunch, from roughly 12 to 1 p.m., and during the evening from 8 to 9 p.m. in Olin. Shor ?13 makes special mention that passes will not be sold on Friday night ?because it?s Fall Break, and that would be ridiculous.? Full passes include 5 events (2 in the Fall, November 9th and December 3rd, and 3 in the Spring) and cost $150, while half passes include 3 events (Winter Formal, Senior Outing during Senior Week, and Semi-Formal during Senior Week) and cost $100. You can pay with cash, check, or student account. There will be a limited number of individual passes and guest passes, so we encourage students to take advantage of the different passes. Individual tickets will be priced between $40 and $50. The food is going to be ?THE DANKEST,? and the surprises will be a blast.

The Senior Gift provides graduating seniors with the opportunity to provide a future Wesleyan student with a financial aid scholarship to attend one of the finest institutions of higher education in the country. Gifts can be made with your Senior Pass purchase by check, cash, or student account. After that, gifts can be made online (give.wesleyan.edu). Students can also donate an hour or more of your work paycheck directly to the SWAG scholarship. Seniors who make a gift of $100 or more will be included in Wesleyan?s Leadership Giving Society, the GOLD Donor Associates. Membership includes invitations to donor receptions and networking events. Gifts can be made in monthly installments throughout the year. Contact Melody Oliphant ?13 (moliphant@wes) or Stephanie McQueen (smcqueen@wes) with any questions about gifts to SWAG.

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Source: http://wesleying.org/2012/10/08/senior-pass-sale-this-week/?utm_source=rss&utm_medium=rss&utm_campaign=senior-pass-sale-this-week

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