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I won't be at UTMB this year, Trofeo Kima is happening the same weekend in Italy and I wouldn't miss this high octane extreme event for anything, especially when it only happens every other 2 years.
But UTMB has a stellar line up this year. It's going to be a cracking race.
Just in case you didn't know, UTMB is a 170km circular journey that starts and finishes in Chamonix passing through France, Italy and Switzerland with 10,000+ meters of vertical gain on non-technical trails. In 2014 Francois D'Haene of France set the men's course record 20:11:44 and the female course record is held by Rory Bosio (USA) who ran 22:37:26 in 2013. Rory in the process ranked in the top-10 overall that year!
Recently, UTMB has hit the headlines after a top 10 finisher in the 2015 race, Gonzalo Calisto, was tested and found positive for EPO. This came to light in June when the IAAF added Calisto's suspension to its website. However, UTMB were not notified of this positive test? In recent weeks and months, many investigations have been made and you can read them all on this website HERE. Ultimately, this positive test has raised alarm bells and certain aspects of the testing and notification procedure need to change. I hope UTMB will have testing once again this year and they provide data and information to the media.
Racing for the main starts on Friday August 26th at 1800hrs local time and it looks like a great weekend of weather is in store for spectators, it may be a little hot for the runners. Please also remember that many other events happen in and around the UTMB, the PTL, TDS and CCC.
Luis Alberto Hernando is in a good place! He is a new Dad, has raced less and when he has raced he has been in top form. A repeat win at Transvulcania and dominant performance at the Skyrunning World Championships for a gold medal and world title and suddenly you begin to see everything clicking into place. Luis dropped from the 2014 UTMB and then came back, one year later to place 2nd. Luis does always race from the front and hard, he tempered this in 2015 but it still may well be his achilles heel in 2016? I hope not, Luis would be a popular champion!
David Laney third at UTMB and 8th at Western States in 2015 are two very significant performances and bode well for a great 2016 UTMB. What doesn't bode well is the most recent 20+ hour finish at Western States. It leaves a huge question mark on David's current physical and mental ability to take on the big dance in Chamonix.
Andy Symonds for me is the dark horse. It's his first 100 miler and that is a huge disadvantage. But Andy knows how to race, prepares meticulously and I know he's fired up for this race. In the past he has often played 2nd fiddle at the big races but a podium at Transgrancanaria, a victory at Lavaredo and 2nd (silver) behind Luis at the Skyrunning World Championships tells me that the time is right for the Brit who lives in France. Listen to the podcast here.
Zach Miller is relatively easy to write about… we will see one of two performances: 1. An all guns blazing early race that potentially will open up a gap that he extends and holds on to take the biggest victory of his life! 2. As 1 but a major blow up that sees him lose the lead and drop substantial places or a resulting DNF. Think Max King at Leadville.
Didrik Hermansen is a potential revelation in Chamonix and I do believe that he can win. I said that at Western States after I saw his run and victory at Transgrancanaria. He didn't disappoint in the USA and he placed 2nd at WSER. UTMB is a different playground but this guy can run and hike – he is going to need all those skills in France, Italy and Switzerland. Listen to the podcast here.
Jason Schlarb was fourth at UTMB in 2014, won Run Rabbit Run, completed Marathon des Sables. skied the Hardrock 100 course, won the Hardrock 100 with Kilian Jornet and here he is, in Chamonix, looking to do an epic double – you know what, I think he can do it! I'm not sure that he will have those extra percentages for victory, Hardrock may well have but pay to that. But I do see a potential top 5 and even the podium if the stars align. Listen to the podcast with him here.
Gediminas Grinius 5th at UTMB in 2014 and what followed was quite a rise in the sport of ultra-running. Gediminas has an interesting back story of post-traumatic stress and it is running that helped. When you have been to hell, pain in an ultra is nothing. It's worth remembering that this guy can dig deep. A win at Transgrancanaria, a win at UTMF and a string of top 2nd places certainly elevate GG for a top UTMB place. Listen to the podcast here.
Tofol Castanyer won CCC and was 2nd at UTMB in 2014. He has a string of top performances and results but his recent form seems a question mark. On paper, he's a podium contender but I said that last year and he didn't finish. We will have to see?
Ryan Sandes had a tough 2015 and has patiently come back in 2016 with a 3rd place in Tararwera and 4th place in Australia at the Ultra Trail. Ryan never likes to race a great deal preferring to train and prepare meticulously for key events. He has done that in the past, Western States for example only to not race at the 11th hour due to injury or illness. Apart from FKT records, Ryan's career highlights are his win at Transgrancanaria and top results at UTMF and WSER. Ryan has been in Chamonix for some time training and I hope he will arrive at the line fresh. He has all the potential to shake up the podium. Listen to the podcast here.
Fabien Antolinus is an under the radar runner who is known in France and not many other places. A top consistent performer at Templiers and the Ice Trail Tarentaise, Fabien backed this up last year with a 6th place finish at UTMB behind a doping Gonzalo Calisto, so, he finished 5th really. I see a potential repeat performance.
Miguel Heras could win, could finish in the top 10, may not start and if he does start, may not finish. Yes, Miguel is a class act when the stars align but neither he or us can predict when this will happen. A highlight for sure was his UTMB 2nd behind Xavier Thevenard in 2013.
Javier Dominguez just had a great run at the Skyrunning World Championships with 3rd place behind Luis Alberto and Andy Symonds. He also placed 3rd at Lavaredo. Although he will be in the mix he is potentially a top 5-10 finisher.
Julien Chorier has the long game, strength and persistence for a top UTMB performance. I've seen him time and time again grind out great results. His victory at Ronda dels Cims a few years back is still one of the most dominant performances of running I have seen. Julien has backed that up at Western States, Hardrock, Diagonale des Fous, UTMF and of course UTMB. His best UTMB was 3rd in 2008 and in 2013 he finished 6th.
Paul Giblin for me is a dark horse. Last year he missed UTMB and compensated with focusing on Western States in 2016, he placed 5th. That's one of the UK's best performances at the race. He's a runner and the 10,000m of vertical may go against his natural abilities but don't rule him out! Listen to the podcast here.
You have to draw a line somewhere but we also need to consider, Diego Pazoz who has illuminated several races in 2016, most notably victory at the Eiger Ultra Trail and Mont-Blanc 80km.
He could be a huge surprise as could Stephan Hugenschmidt from Germany who has had many notable results.
Zdenek Kris finished 9th at Ultra Perineu in 2015 and recently placed 5th at the Skyrunning World Championships.
Two Frenchmen, Arnaud Lejeune who was 2nd at UTMF in 2015 and Thomas Lorblanchet who has wins at Leadville and 4th at Western States will also mix things up.
Ryan Smith, Pau Bartolo, Jez Bragg, Aurelian Collet, Ludovic Pommeret, Armand Teixeira, Jordi Bes and Bertrand Collomb-Patton all have top 10 and certainly top 20 potential.
Needless to say there is a whole stack of other male talent that have experienced UTMB before somewhere in and around the top 50. Any of these runners who could make a breakthrough performance and venture into the high ranking top 20's or even top 10. It's what makes the race so interesting.
Rory Bosio holds the course record at UTMB – nuff said! Any lady that finishes in the top-10 overall rocks. But where has Rory been since her repeat victory in 2014? Well, believe it or not, she was filming a reality TV show… really, Rory is an actress! In 2015 she won the Atacama Extreme but other than that she has been relatively low key when racing. UTMB performances are backed up by 2nd, 4th and 5th at Western States so Rory needs no other boosting. I do wonder though if she is in the 'A' game frame of mind of 2013 and 2014? We will find out…
Caroline Chaverot for me is the lady that will win UTMB 2016. Caroline is a machine who smiles from beginning to end and her performances over the last 18-24 months have blown me away. She does race a great deal and I think that went against her at UTMB in 2015 when she DNF'd. This year though I have noticed a difference… she obliterated the Transgrancanaria course, she obliterated the MUT in Madeira and she became Skyrunning World Champion at the Buff Epic Trail – 2016 is Caroline's UTMB year!
Nuria Picas has twice finished 2nd and I would normally talk Nuria up as the winner. Last year she dropped early and since has had very mixed performances. I do believe she has the UTWT curse of running and winning too many races in a short period of time which has left her drained. I have seen this in 2016 at Transgrancanaria and most recently at the Buff Epic Trail. Of course, Nuria may well have been savvy and kept her powder dry for Chamonix – I hope so! *August 24th, Nuria will unfortunately not run the 2016 edition due to an injury.
Magdalena Boulet will be there or thereabouts but for me, this course will not allow enough running which is Magda's strength. No doubt she will be in the mix, her 2nd at CCC proved that but 170k and 10,000m is a big difference to CCC or Western States. Listen to the podcast here.
Uxue Fraille will be out of the mix early on and keep going and produce a solid finish. Uxue's success is all about pacing and finishing. She lets the other ladies race and fade and then she sweeps them up in the final 1/3rd. Last year she placed 2nd at UTMB and she won UTMF.
Jasmin Paris is one lady who may well win UTMB one day. I'd love to say that 2016 will be the year but I don't think it will happen. Jasmin runs a great deal and therefore rarely 'peaks' for any one race. This is sometimes a good thing but also a bad thing. Although Jasmin can run long, this will be her first big 100+ miler and the Chamonix experience may well overwhelm her. This year she blitzed the Bob Graham Round FKT to a new level and a week after getting married took bronze medal at the Skyrunning World Championships and then won Tromso SkyRace. Personally, I feel Jasmin's forte and skill set will be best suited to the Skyrunner courses where her fell and mountain running background really shines. She will do well at UTMB but this year will be a learning curve. Don't get me wrong though, top 5 and certainly top 3 is possible. Listen to the podcast here.
Andrea Huser like Jasmin is a non-stop racer and for me always lacks that extra 5-10% when required due to a constant element of fatigue. Her string of top 2nd and 3rd places for me confirm this. In this 2016 field, Andrea can better her 2014 7th and potentially will make the top 5 and may even challenge the podium but I don't see a victory.
Fernanda Maciel is a another runner who mixes many sports, races regularly and is always in and around the action. Like Andrea Huser, I see her in the mix but not taking the top slot. If we look at recent results, the consistency is there – 4th at UTMB in 2010, 3rd at MDS, 3rd at Lavaredo 2016 and a string of other podium places at UTWT races. * Fernanda will not run 23rd August. News from her doctors: "They said I was in an advanced stage of injuries to my kidneys caused by my last 2 long races due to dehydration I suffered during the races. Now my blood tests from last friday done here in Chamonix seem normal but not 100% recovered, and of course I am thinking of the UTMB on friday… I'm really sad because they only told me it today!"
Emilie Lecomte has the long game, strength and tenacity for a 170km race but she lacks the speed of many of the other ladies. A top 10 is an almost guaranteed and as other ladies fade, we can expect Emilie to move up.
Francesca Canepa and Emilie Lecomte in many ways are similar runners and Francesca has a strong history with UTMB and Tor des Geants. On her day, she can be up there and in the mix. Recently her form has been questionable.
Amy Sproston has won Hurt 100 and placed 2nd at Western States. For me, Amy is a runner but then again, Hurt has some gnarly terrain on those 20-mile loops, so, is this the year that Amy puts UTMB demons to rest? Her history is not good with the race – three starts and only one finish when she placed 8th.
Aliza Lapierre is potentially the USA's top contender behind Rory Bosio. Her list of results in all varieties of races bodes well for a solid UTMB. But at really specific races, Transgrancanaria for example the mountainous terrain has caused her to struggle a little. Aliza like to run and although UTMB has plenty of that, it also has plenty of hands-on-knee action.
Larisa Dannis likes a running race and like many of the American ladies the increased vertical causes an issue. On paper though, she has the racing pedigree for a top performance. you don't get 2nd at Western States by accident.
Ester Alves is a good friend and races too much (sorry Ester). One day, Ester will pick a race and prepare meticulously for it and then excel. I saw this earlier this year when she won and dominated The Coastal Challenge in Costa Rica. I think what worked there was it was the first race of the season and she could therefore be specific over the winter. What has followed is a string of races in many varied locations with a list of good results but no stand out results! Ester placed 8th at the 2014 UTMB so the potential is there!
Gemma Arenas I know well in the Skyrunning circles but this will be her first 100 and it's a tough one with strong competition. It will be a learning curve.
Like in the men's race, curve balls will swing in and we can expect to see these ladies' mixing it up, Silke Koester, Nicky Spinks, Sally McRae, Sarah Willis, Sophie Grant, Frederica Boifava, Joelle Vaught, Alissa St. Laurent and Manu Vilaseca amongst others.
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Any vehicle model around for a while, no matter the form factor, has one thing in common with its peers: Model Bloat. Take the Camaro — 37 model years after inception, it's 827 pounds heavier.
Over the years and decades, most car and truck models tend to get heavier and heavier. Some of the weight gain comes from safety enhancements such as big brakes, side impact beams, airbags, and the like, and many models just get wider and longer with each successive generation. Consumer demand has made once-optional features such as air conditioning, power windows, thumpin' sound systems, etc. into necessities, and that adds even more weight — all of which affects performance and fuel economy.
We'll be looking at the effects of Model Bloat on such perennial best-sellers as the Honda Civic, Ford F-150, and Volkswagen Golf in the near future… but today it's time to put the legendary Camaro on the scales!
In the graph above, we see the inexorable progress of Model Bloat within each generation of the GM F-Body. The very first Camaro, in 1967, weighed just 2,920 pounds (we're using weights for V8 cars, as stated in the Standard Catalog Of American Cars), and that was the first and only time you could get a V8 Camaro that weighed under the ton-and-a-half mark.
The first-generation Camaro, made during the 1967-69 model years, was mechanically quite similar to the compact Chevrolet Nova. It had a simple leaf-spring rear suspension and (in most cases) four-wheel-drum brakes, handled in true 60s door-handle-scraping style, and had an interior that would be considered intolerably spartan in even the cheapest entry-level GM car today.
The second generation Camaro (1970-1981) kept the same basic chassis setup as its predecessor, but was a bit larger in all dimensions, with more sound-deadening insulation and other comfort enhancements. Weight was up a couple of hundred pounds at first, but then federally-mandated 5 MPH crash bumpers and side-impact protection showed up in 1974; by 1975, a V8 Camaro scaled in a 3,532 pounds, more than a quarter-ton above the weight of the first-gen car.
Then GM totally redesigned the F-Body, and the third-generation (1982-1992) Camaro dropped 367 pounds. Sure, the new lightweight unibody was a little flimsy (don't open the doors when you've got one end up on jackstands!), but it had coil springs in the rear and- as the Malaise Era wound down- fuel injection up front. Still, Model Bloat had its way with the third-gen Camaro; by its final year, it punished the pavement with a porcine 3,384 pounds.
The General wasn't too worried about weight for the fourth-generation Camaro (1993-2002), and even with plastic body panels it still debuted at pretty much the same weight as the third-gen car. Power was way up, though, and buyers could roar out of the showroom in a genuine 13-second quarter-miler for dirt cheap. Weight continued to creep up, peaking at 3,577 pounds in '02 and finally eclipsing the mark set by the 1975 model. (Photo source: CarPW.com)
And now the Camaro is back, and it's a bruiser at 3,737 pounds. It's loaded to the gunwales with luxury features that would leave a time-traveling '67 Camaro driver in awe, engine power makes even the hairiest 60s big-blocks look weak, it's got the slab sides and small windows that make focus-group participants feel safe from street crime… and it weighs 132 pounds more than the 1967 Chevrolet Caprice hardtop. Such is Model Bloat.


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Finance Minister Michael Noonan has said that Ireland has successfully concluded the sixth review of the programme with the EU Commission, the ECB and the IMF.
Mr Noonan said the country has continued to achieve all of the targets, in line with each of the five previous reviews.
Over 100 actions have now been completed under the programme and over 70% of the available funds have been drawn down.
He told a press briefing today there was ''nothing on horizon that would require a mini-budget''.
Mr Noonan said a deal has been reached on the strategic direction for Permanent TSB. A restructuring plan will be submitted to the EU by June.
He said stress tests on Irish banks due to take place in November will not now take place until next spring in line with the rest of Europe, because the Troika now believes the banking system here is normalising.
Minister for Expenditure & Reform Brendan Howlin said the Troika has agreed a higher proportion of the proceeds from the sale of State assets will be used to support jobs. He added that the exact amount has yet to be finalised.
''I welcome the acknowledgement of our Troika partners of the importance of the growth agenda to the overall success of the programme,'' he added.
The review assessed in detail fiscal developments in the country, the economic outlook, progress on commitments on the restructuring of the financial sector and structural reform.
Fianna Fáil has accused the Government of relying on inflation to achieve its budgetary targets, rather than on real economic activity.
Finance Spokesperson Michael McGrath said that while the growth forecast for this year was to be reduced, he believed the forecasts for 2013 and beyond were also too optimistic.
The next Troika review is due in July.
IMF says considerable challenges remain
The IMF, EU and ECB said that the country's fiscal consolidation efforts remain on track this year, but warned that considerable challenges remain.
In a statement, the European Commission, European Central Bank and International Monetary Fund left their forecasts for growth this year unchanged at around 0.5%.
"Overall, strong policy efforts by the Irish authorities, together with the support of Ireland's partners, will be needed to achieve the goals of the programme in these challenging circumstances," the Troika said in joint statement.
The statement said that market confidence in Ireland's policies has improved; contributing to some stabilisation in Irish bond spreads, although they remain elevated.
It said the general deficit - excluding the cost of supporting the banks - is now estimated at 9.4% of GDP, which is well within the programme ceiling of 10.6%.
''The budget is on track for achieving the 2012 deficit ceiling of 8.6% of GDP,'' the statement added.
The Troika said that ongoing work to restore the health of the country's banking system is critical to enabling a recovery in the domestic demand.
It noted that efforts to strengthen the quality of bank assets are intensifying through strategies for dealing with mortgage and SME loan arrears.
It added that the personal insolvency reform will further facilitate the resolution of unsustainable debts.
Approval of the conclusion of this review is scheduled to make another tranche of funds available for the country. The IMF will give another €1.4bn, while €2.3bn will come from the EU.
The IMF has said that Ireland's implementation of the programme remains strong and market confidence in Ireland's programme has improved.
The head of the Ireland mission for the IMF, Craig Beaumont, was speaking to journalists on a conference call in the US.
Mr Beaumont told the conference call that while recent developments might be showing some signs of positive underlying trends, domestic demand is still weak and unemployment high.
On the promissory notes, the IMF says it is working on a strategy that would enhance the ability of Ireland to get back to the markets but Mr Beaumont did not outline a time scale for this.


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Lt. Garlin Murl Conner left the U.S. Army as the second-most decorated soldier during World War II, earning four Silver Stars, four Bronze Stars, seven Purple Hearts and the Distinguished Service Cross for his actions during 28 straight months in combat.
But despite backing from congressmen, senators, military veterans and historians, he never received the Medal of Honor, the nation's highest military distinction, awarded for life-risking acts of valor above and beyond the call of duty.
Now a federal judge in Kentucky has ended his widow's 17-year quest to see that her husband received the medal.
U.S. District Judge Thomas B. Russell, in an 11-page opinion issued late Tuesday, said a technicality will prevent Pauline Conner of Albany, Ky., from continuing her campaign on behalf of her husband, who died in 1998. Russell concluded that Pauline Conner waited too long to present new evidence to the U.S. Army Board of Correction of Military Records, which rejected her bid to alter her husband's service record.
Russell praised Conner's "extraordinary courage and patriotic service," but said there was nothing he could do for the family.
"Dismissing this claim as required by technical limitations in no way diminishes Lt. Conner's exemplary service and sacrifice," Russell wrote.
Richard Chilton, a former Green Beret and amateur military historian who has researched Conner's service, said Conner deserves the Medal of Honor. Chilton pledged to get resolutions from lawmakers and veterans' groups in all 50 states in an attempt to get Congress to act on Conner's behalf.
"I want to make sure they can't walk away from this," Chilton told The Associated Press on Wednesday. "He's a man worthy of this."
Roughly 3,400 people have received the Medal of Honor since it was created in 1861, including actor Audie Murphy, the most decorated U.S. soldier in World War II. Murphy fought in the same areas as Conner and went on to star in dozens of Hollywood films, most of them Westerns and war epics.
Conner served with the 3rd Infantry Division, which fought in France and Europe in 1945. The Army in 2001 named Eagle Base in Bosnia-Herzegovina after Conner, who died in 1998 in Clinton County, Ky., where he lived after his fighting days and served 17 years as president of the Clinton County Farm Bureau.
"He was a real hero," said attorney Donald Todd of Lexington, who represents Conner's family.
Conner's citation for the Distinguished Service Cross states that on Jan. 24, 1945, near Houssen, France, he slipped away from a military hospital with a hip wound to rejoin his unit rather than return home to Kentucky and unreeled a telephone wire, plunged into a shallow ditch in front of the battle line and directed multiple rounds of fire for three hours as German troops continued their offensive, sometimes getting within five yards of Conner's position.
The board first rejected Conner's application in 1997 on its merits and turned away an appeal in June 2000, saying at the time no new evidence warranted a hearing or a new decoration despite more than a dozen letters of support for Conner.
In the years that followed, lawmakers in Kentucky, Tennessee and three other states passed resolutions backing the effort to see Conner receive the Medal of Honor. After Chilton found three eyewitness accounts to Conner's deeds in 2006, Pauline Conner resubmitted the case to the board in 2008 — two years after the statute of limitations expired.
A bipartisan group of current and former members of Congress has backed Conner's application in the past, including retired Sen. Bob Dole, a Kansas Republican and World War II veteran; retired Sen. Wendell Ford, a Democrat from Kentucky; current Senate Minority Leader Mitch McConnell of Kentucky; and Whitfield, who represents Conner's home town near the Tennessee line. Noted World War II historian Steven Ambrose, who died in 2002, wrote in November 2000 to support Conner's application, saying his actions were "far above the call of duty."
The review board remained unmoved by Conner's submission.
"The most recent information received 22 December 2008 is not new evidence and does not warrant granting an exception to the above cited regulation and a formal hearing," wrote Conrad V. Meyer, the director of the Army Board for Correction of Military Records on Feb. 9, 2009.
While the military board has upgraded other recipients of the Distinguished Service Cross to a Medal of Honor, the action is rare. As of 2012, the last year available, 178 Distinguished Service Crosses had been elevated to Medal of Honor status out of 13,000 issued since 1917. Military policy dictates that the first decoration must be re-examined, re-justified and then re-evaluated with new evidence before any action can be taken.
The military can also conduct a review at the behest of Congress.
In February, the Pentagon announced that President Barack Obama will bestow the Medal of Honor on 24 other veterans after a decade-long congressionally mandated review of minorities who may have been passed over for it because of prejudices. The unusual mass ceremony, scheduled for Tuesday, will honor veterans — most of Hispanic or Jewish heritage — who already had been recognized with the Distinguished Service Cross.
Conner's commander in World War II, retired Maj. Gen. Lloyd B. Ramsey of Salem, Va., filed an affidavit saying Conner's work, while injured, provided valuable intelligence.
"There is no doubt that Lt. Conner should have been awarded the Medal of Honor for his actions," Ramsey wrote. "One of the most disappointing regrets of my career is not having the Medal of Honor awarded to the most outstanding soldier I've ever had the privilege of commanding."
Conner's fellow soldiers also filed affidavits crediting Conner with helping not only save the lives of fellow soldiers but being key to defeating the Germans in the battle.
Retired Lt. Harold Wigetman, a member of the 3rd Battalion, 7th Infantry, said that between the artillery strikes Conner called in and spray from his own machine gun, he killed at least 50 German soldiers and wounded twice as many.
"His heroic and entirely voluntary act saved our battalion," Wigetman wrote. "If he hadn't done what he did, we would have had to fight for our lives."


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HDD Pictures of Bathroom Tiles for Small Bathroom
1Small bathroom needs bathroom tiles which are suitable. You cannot carelessly install bathroom tiles with the ones you like but the design is not suitable for your small bathroom. The process of choosing bathroom tiles for a small bathroom is not easy, but this will help you with designs and ideas. Ready?
Suitable Bathroom Tiles Ideas for Small SpaceSmall bathroom needs something to make it appear larger. So, it also depends on your bathroom tiles. One bathroom tiles idea for a small bathroom is installing bathroom tiles with bright colors. White can be the right choice. White will make your floor appear larger and more spacious. Also, it makes the room brighter. Brighter room will give larger feel effect to all small room including small bathroom. The other idea of bathroom tiles for small bathroom is installing chess bathroom tiles. You must be familiar with chess. Chess has black and white color combination. Yes, you can have chess bathroom tiles as it will make the floor feel comfy and larger. The combination or white and color will not bore your small bathroom. When you enter, there is a feeling or traditional and modern in your small bathroom. You are going to love this bathroom tiles for small bathroom idea.
Pictures of Bathroom tiles ideas plus bathroom flooring ideas plus ceramic tile plus all tiles is created to be the inspiration of for you. This image was published on December 15, 2017 and published by Stephanie Ruth this is fall into the category Bathroom, the size of image is 736 x 844 and this post has 47 related images. If you have any questions please Contact Us. Hope it could inspire you, our beloved reader in shaadi-invite.com, back to article please click Bathroom Tiles for Small Bathroom.Here we have 47 great photos about Bathroom Tiles for Small Bathroom. We hope you enjoyed it and if you want to download the pictures in high quality, simply just click the image and you will be redirected to the download page of Bathroom Tiles for Small Bathroom.


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Posted by Editor on 11/28/02
Cycling BC News - Athletes and Coaches
Courtesy CBC
The High Performance Committee operating under Cycling BC would like to notify Junior Men and Women (Under 24) of the following 2003 Race Projects.
Tour de l'Abitibi, July 21-27
Junior Men (6 riders)
Located in and around the township of Val-d'Or, Quebec, the Tour de L'Abitibi is perhaps the largest and most prestigious Junior Men's stage race in North America. Attracting teams from as far away as Holland and Japan, last year's roster boasted teams from seven countries, five provinces and two states. The eight-stage event covers a prologue, several road races, criterium and even a team time trail.
Columbia Plateau Stage Race, May 2 - 4
Women Under 24 (4 riders)
Known for it's challenging terrain and hot weather, the Columbia Plateau Stage Race, located in northeastern Oregon, is a three-day, four-stage event, unique due to its point-to-point format. Growing yearly, the stage race attracts many of the west coast's best teams.
Selection Events:
Look for selection events and training camp dates to be released in the late winter.
Note: To be eligible, Junior Men must race in Category 3. Women must race in the 1-3 Category.
Upon release of selection events, points will be distributed to the top ten finishers as follows:
10, 8, 7, 6, 5, 4, 3, 2, 1, 1
Rider Selection:
Men - 3 based on points, 3 based on High Performance Committee selection
Women - 2 based on points, 2 based on High Performance Committee selection
Questions can be directed to Allan Prazsky, Provincial Coach, at email@example.com or via phone at (604) 737-3137.
Cycling BC will be able to provide partial funding for these projects. The exact amount is yet to be determined. All selected athletes will be informed as budgeting is finalized.
Coaches Needed
The High Performance Committee is calling all licenced certified coaches interested in volunteering for one of the following two projects.
Interested applicants must submit resumes, highlighting coaching experience, team project experience, and NCCP certification level. Resumes can be forwarded to Allan Prazsky, firstname.lastname@example.com prior to December 12th.
The ideal candidates will have several years of related experience in coaching and team building.
All submitted resumes will be reviewed by the High Performance Committee, with hopes to finalize the selection no later than the end of January, allowing selected coaches sufficient opportunity to prepare for selection evaluation, and formalize athlete training programs.
Questions or resumes may be directed to Allan Prazsky, Provincial Coach, via email at email@example.com or (604) 737-3137.
U of T Mountain Bike Team Honoured
Courtesy David Wright
To celebrate the University of Toronto's Mountain Bike Team's 2002 Provincial Championship in the University Cup series, the school had a special banner raising ceremony.
Along with 4 other UofT Varsity teams who also won provincial championship titles the mountain bike team's banner was proudly displayed in the university's athletic centre.
Although not an official OUA sport yet, mountain biking has made an impressive breakthrough on the Ontario University sports scene. Most universities now have mountain bike race clubs and a bid is underway to receive official OUA status. Bruce Kidd, Dean of Athletics at UofT fully supports the team and is pushing for the inclusion of more sports being available to university students.
David Wright, the Chairperson of the Ontario University Mountain Bike Race Council (OUMRC) is confident that the sport will only keep growing and participation is continuing to rise, specifically women in the sport.
Team Captain Antonia Gawel gave a great speech at the ceremony saying that she was very proud of her team-mates and looks forward to next year's season.
More information about the UofT Mountain Bike Team: mtnbike.sa.utoronto.ca
|Return to Canadian Cyclist homepage | Back to Top


text:
Change happens quickly in the NFL, but the shifting winds in Cleveland are extreme even by professional football standards.
Two weeks after ESPN's Bob Holtzman reported that Browns players expect Brian Hoyer to be named the starter "well before" the third preseason game, safety Donte Whitner tells Peter King of The MMQB that the locker room is split "50-50" on Hoyer versus Johnny Manziel.
This comes just days after Bleacher Report's Mike Freeman noted the same split between veterans and young players in the Browns' locker room.
A team source now tells Holtzman that Manziel is actually ahead in the competition after showing a live arm and trademark playmaking ability outside the pocket in Saturday's preseason opener.
Another source told The Plain Dealer's Mary Kay Cabot that Manziel has "the momentum and the superior talent." The Browns have been pleased with the rookie's leadership and progress since camp opened, per Cabot.
These reports come on the heels of news from NFL Media's Dan Hellie that Manziel will start the second preseason game against the Washington Redskins on Aug. 18.
Speaking on a conference call Sunday, coach Mike Pettinedisputed the notion that Manziel has moved ahead of Hoyer, but added that the rookie "has made a lot of improvements."
Having previously stated that he would like to name a starter before the third preseason game, Pettine now says that plan is "not 1,000 percent etched in stone."
Nothing has been decided in this competition. But it's starting to look like Dick LeBeau might have been on to something with last week's prediction.
*The latest Around The League Podcast answers every question about preseason action that you were too afraid to ask. *


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AIME Average Indexed Monthly Earnings
The dollar amount used to calculate your Social Security benefit if you attained age 62 or became disabled (or died) after 1978. To arrive at your AIME, we adjust your actual past earnings using an "average wage index," so you won't lose the value of your past earnings (when money was worth more) in relation to your more recent earnings. If you attained age 62 or became disabled (or died) before 1978, we use Average Monthly Earnings (AME).
AME (Average Monthly Earnings)
For Variable Annuities only. An annuity's subaccount price per share during the accumulation phase. An AUV is the net asset value after income and capital gains have been included and subaccount management expenses have been subtracted. Many insurance companies keep daily charts for the tracking of AUV's and also offer performance summary sheets.
Appeal (Appeal Rights)
You will receive a letter of explanation whenever Social Security makes a decision regarding your eligibility for Social Security or Supplemental Security Income (SSI) benefits. If you disagree with the decision, you have the right to appeal (ask us to review your case). If our decision was wrong, we'll change it.
Application for Benefits
To receive Social Security benefits, Supplemental Security Income (SSI) payments, or Medicare, you must complete and sign an application. You can apply for retirement, disability, Medicare and spouse's benefits online, in person at a local Social Security Office, or by telephone at 1-800-772-1213. The TTY number is 1-800-325-0778.
Application for a Social Security Card
The application form you need to complete to obtain a Social Security number, or a replacement card. For more information see Get or Replace a Social Security Card.
Auto cost-of-living benefit increase
The annual increase in benefits, effective for December, reflecting the increase, if any, in the cost of living. A benefit increase is applicable only after a beneficiary becomes eligible for benefits. In general, the benefit increase equals the percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) measured from the third quarter of the previous year to the third quarter of the current year. If there is no increase in the CPI-W, there is no cost-of-living benefit increase.
Auxiliary Benefits
Monthly benefits payable to a spouse or child of a retired or disabled worker, or to a survivor of a deceased worker.
An administrative determination that an individual is entitled to receive a specified type of OASDI benefit. Awards can represent not only new entrants to the benefit rolls but also persons already on the rolls who become entitled to a different type of benefit. Awards usually result in the immediate payment of benefits, although payments may be deferred or withheld depending on the individual's particular circumstances.
Baby Boom
The period from the end of World War II (1946) through 1965 marked by unusually high birth rates.
Baptismal Certificate
An official religious record of your birth or baptism. In some situations we can use a baptismal certificate to establish your age.
Base Years
A worker's (wage earner's) base years for computing Social Security benefits are the years after 1950 up to the year of entitlement to retirement or disability insurance benefits. For a survivor's claim, the base years include the year of the worker's death.
Bend Points
The dollar amounts defining the AIME or PIA brackets in the benefit formulas.
A person who has been awarded benefits on the basis of his or her own or another's earnings record. The benefits may be either in current-payment status or withheld.
Benefit Payments
The amounts disbursed for OASI and DI benefits by the Department of the Treasury.
Benefit Verification Letter
An official letter from Social Security that verifies the amount an individual receives each month in Social Security benefits and/or Supplemental Security Income (SSI) payments. These letters are normally issued following a request from a person receiving benefits or his/her authorized representative.
Social Security pays five types of benefits:
- Retirement
- Disability
- Family (dependents)
- Survivors
- Medicare
The retirement, family (dependents), survivor and disability programs pay monthly cash benefits, and Medicare provides medical coverage.
You can get the following reduced monthly benefits before reaching full retirement age:
- Retirement benefits at age 62 through the month before your reach Full Retirement Age;
- Husband's or wife's benefits at age 62 through the month before you reach full retirement age, provided no child of your spouse either under age 18 or disabled and entitled to benefits is in your care;
- Widow's or widower's benefits beginning at any time from age 50 through the month before you reach full retirement age;
- Widow's or widower's benefits, if your spouse received a retirement benefit before full retirement age;
- Disability benefits received after a reduced retirement benefit; or
- Retirement or disability benefits received after a reduced widow's or widower's benefit. This applies only if you were born before 1928.
Birth Certificate (Original)
The record maintained by a governmental entity such as a state, county, parish, city, or borough that documents your birth. For additional information on obtaining a birth certificate see the NCHS – Alphabetical List.
We use the term "Child" to include your biological child or any other child who can inherit your personal property under State law or who meets certain specific requirements under the Social Security Act; such as:
- a legally adopted child,
- an equitably adopted child,
- a stepchild, or
- a grandchild.
Cost of Living Adjustment (COLA)
Social Security benefits and Supplemental Security Income (SSI) payments may be automatically increased each year to keep pace with increases in the cost-of-living (inflation).
Computation Years
Computation years are the years with highest earnings selected from the "base years." We add total earnings in the computation years and divide by the number of months in those years to get the AME or the AIME. (We use your 35 highest years of earnings to compute your retirement benefits.)
Covered Earnings
Earnings in employment covered by the OASDI program.
Covered Employment
All employment for which earnings are creditable for Social Security purposes. The program covers almost all employment. Some exceptions are:
- Self-employed workers earning less than $400 in a calendar year.
- State and local government employees whose employer has not elected to be covered under Social Security and who are participating in an employer-provided pension plans.
- Current Federal civilian workers hired before 1984 who have not elected to be covered.
Covered Worker
A person who has earnings creditable for Social Security purposes based on services for wages in covered employment or income from covered self-employment.
CPI-Indexed Dollars
Amounts adjusted by the CPI to the value of the dollar in a particular year.
CPI-W (Consumer Price Index)
An index prepared by the U. S. Department of Labor that charts the rise in costs for selected goods and services. This index is used to compute Cost of living adjustments.
Creditable Earnings
Wage or self-employment earnings posted to a worker's earnings record. Such earnings determine eligibility for benefits and the amount of benefits on that worker's record. The contribution and benefit base is the maximum amount of creditable earnings for each worker in a calendar year.
Credits (Social Security Credits)
Previously called "Quarters of Coverage." As you work and pay taxes, you earn credits that count toward your eligibility for future Social Security benefits. You can earn a maximum of four credits each year. Most people need 40 credits to qualify for benefits. Younger people need fewer credits to qualify for disability or survivors benefits.
For more information read: How You Earn Credits (05-10072).
Current Dollars
Amounts expressed in nominal dollars with no adjustment for inflationary changes in the value of the dollar over time.
Currently Insured Status
Amounts expressed in nominal dollars with no adjustment for inflationary changes in the value of the dollar over time.
Current-Payment Status
Amounts expressed in nominal dollars with no adjustment for inflationary changes in the value of the dollar over time.
Decision Notice (Award Letter or Denial Letter)
When you apply for Social Security, we decide if you will receive benefits. We send you an official letter explaining our decision and, if benefits are payable, we tell you the amount you will get each month.
Delayed Retirement Credits (DRC)
Social Security benefits are increased by a certain percentage (depending on date of birth) if a person delays taking retirement benefits beyond full retirement age.
The benefit increase no longer applies after age 70, even if the person continues to delay taking benefits.
Dependent Benefits
See Family Benefits.
Direct Deposit
The standard way to receive Social Security benefits and Supplemental Security Income (SSI). Your money is sent electronically to an account in a financial institution (bank, trust company, savings and loan association, brokerage agency or credit union). For more information see Social Security Direct Deposit.
Disability Benefits
You can get disability benefits if you:
- are under full retirement age
- have enough Social Security credits and
- have a severe medical impairment (physical or mental) that's expected to prevent you from doing "substantial" work for a year or more, or have a condition that is expected to result in death.
Documents (Proofs)
Forms and papers such as birth certificates, marriage certificates, W2 forms, tax returns, deeds, etc., submitted by individuals applying for benefits and services. We can accept only originals or copies certified by the agency that has the original document.
Early Retirement
You can start getting Social Security retirement benefits as early as age 62, but your benefit amount will be less than you would have gotten if you waited until your full retirement age.
If you take retirement benefits early, your benefit will remain permanently reduced, based on the number of months you received benefits before you reached full retirement age.
Early Retirement Age
Age 62.
Earnings Record (lifetime record of earnings)
A chronological history of the amount of money you earned each year during your working lifetime. The credits you earned remain on your Social Security record even when you change jobs or have no earnings.
Earnings Test
The provision requiring the withholding of benefits if beneficiaries under normal retirement age have earnings in excess of certain exempt amounts.
Evidence (Proofs)
"Proofs." The documents you must submit to support a factor of entitlement or payment amount. The people in your Social Security office can explain what evidence is required to establish entitlement and help you to get it.
Excess Wages
Wages in excess of the contribution and benefit base on which a worker initially makes payroll tax contributions, usually as a result of working for more than one employer during a year. Employee payroll taxes on excess wages are refundable to affected employees, while the employer taxes are not refundable.
Family Benefits (Dependent Benefits)
When you're eligible for retirement or disability benefits, the following people may receive benefits on your record:
- spouse if he or she is at least 62 years old (or any age but caring for an entitled child under age 16 or disabled)
- children if they are unmarried and under age 18, or under age 19 and a full-time elementary or secondary student
- children age 18 or older but disabled before age 22
- ex-spouses age 62 or older
Family Maximum
The maximum amount of benefits payable to an entire family on any one worker's record.
Federal Insurance Contributions Act (FICA)
Provision authorizing payroll taxes on the wages of employed persons to provide for Old-Age, Survivors, and Disability Insurance, and for Hospital Insurance. Workers and their employers generally pay the tax in equal amounts.
FICA Tax
FICA stands for "Federal Insurance Contributions Act." It's the tax withheld from your salary or self-employment income that funds the Social Security and Medicare programs.
Full Retirement Age
The age at which a person may first become entitled to full or unreduced benefits based on age.
For workers and spouses born in 1938 or later and widows/widowers born in 1940 or later, the full retirement age increases gradually from age 65 until it reaches age 67 for
- Workers and spouses in the year 2027
- Widows and widowers in the year 2029
This increase affects the amount of the reduction for persons who begin receiving reduced benefits.
Health Insurance (Medicare)
The federal health insurance program for:
- people 65 years of age or older
- certain younger people with disabilities
- people with permanent kidney failure with dialysis or a transplant, sometimes called ESRD (End-Stage Renal Disease)
An increase in the general price level of goods and services.
Insured Status
If you worked and earned enough Social Security credits to be eligible for retirement or disability benefits or enable your dependents to be eligible for benefits due to your retirement, disability, or death, you have insured status.
A payment in exchange for the use of money during a specified period.
Lawful Alien Status
People admitted to the U.S. who are granted permanent authorization to work by the United States Citizenship and Immigration Services (USCIS) (formerly INS) or admitted to the U.S. on a temporary basis with USCIS or INS authorization to work.
Life Expectancy
Average remaining number of years expected prior to death.
Lifetime Earnings "Earnings Record"
A chronological history of the amount of money you earned each year during your working lifetime. The credits you earned remain on your Social Security record even when you change jobs or have no earnings.
Lump Sum Death Payment
A one-time payment of $255 paid in addition to any monthly survivors benefits that are due. This benefit is paid only to your widow/widower or minor children.
Maximum Earnings
The maximum amount of earnings we can count in any calendar year when computing your Social Security benefit.
A joint federal and state program that helps with medical costs for people with low incomes and limited resources.
Medicaid programs vary from state to state, but most health care costs are covered if you qualify for both Medicare and Medicaid.
Month of Election
This usually applies to retirement claims. In certain situations, you can choose the month in which your benefits will start.
Normal Retirement Age
See Full Retirement Age
Number Holder
See Wage Earner.
Nutrition Assistance Programs
The U. S. Department of Agriculture program that helps needy families buy food.
OASDI (Old Age Survivors and Disability Insurance)
The Social Security programs that provide monthly cash benefits to you and your dependents when you retire, to your surviving dependents, and to disabled workers and their dependents.
Old-Law Base
Amount the contribution and benefit base would have been if the 1977 amendments had not provided for ad hoc increases. The Social Security Amendments of 1972 provided for automatic annual indexing of the contribution and benefit base. The Social Security Amendments of 1977 provided for ad hoc increases to the bases for 1979 81, with subsequent bases updated in accordance with the normal indexing procedure.
Payment Dates for Social Security Benefits
If you applied for Social Security benefits before May 1, 1997, your payments usually are dated and delivered on the 3rd of the month following the month for which the payment is due. For example, payments for January are delivered on February 3rd.
If the 3rd of the month is a Saturday, Sunday or Federal holiday, your payments are dated and delivered on the first day before the 3rd of the month which is not a Saturday, Sunday or Federal holiday. For example, if the 3rd is a Saturday or Sunday, payments are delivered on the preceding Friday.
If you filed for Social Security benefits May 1, 1997, or later, you are assigned one of three new payment days based on date of birth:
- Born: 1st through the 10th of the month – Delivered: Second Wednesday of the month
- Born: 11th through 20th of the month – Delivered: Third Wednesday of the month
- Born: 21st through end of the month – Delivered: Fourth Wednesday of the month
If your scheduled Wednesday payment day is a Federal holiday, we'll send your payment on the preceding day that is not a Federal legal holiday.
Payment Dates for Supplemental Security Income (SSI) Payments
SSI payments are usually dated and delivered on the first day of the month for which they are due. However, if the first falls on a Saturday, Sunday or Federal holiday, they are dated and delivered on the first day preceding the first of the month which is not a Saturday, Sunday or Federal holiday.
PIA (Primary Insurance Amount)
The monthly amount payable if you are a retired worker who begins receiving benefits at full retirement age or if you're disabled and have never received a retirement benefit reduced for age.
Present Value
The equivalent value, at the present time, of a future stream of payments (either income or cost). The present value of a future stream of payments may be thought of as the lumpsum amount that, if invested today, together with interest earnings would be just enough to meet each of the payments as they fell due. Present values are used widely in calculations involving financial transactions over long periods of time to account for the time value of money (interest). Present-value calculations for this report use the effective yield on trust fund assets.
Protective Filing Date
The date you first contact us about filing for benefits. It may be used to establish an earlier application date than when we receive your signed application.
Reduction Months
Months beginning with the first month you're entitled to reduced benefits up to, but not including, the month in which you reach full retirement age.
Representative Payee
If you receive Social Security benefits or Supplemental Security Income (SSI) and become unable to handle your own financial affairs, we (after a careful investigation) appoint a relative, a friend, or an interested party to handle your Social Security matters.
Representative payees are required to maintain complete accounting records and periodically provide reports to Social Security. For additional information see Representative Payee Program.
Retirement Age – Full Benefits
Full retirement age was 65 for many years. However, beginning with the year 2000 (for workers and spouses born in 1938 or later, or widows or widowers born in 1940 or later), the retirement age increases gradually from age 65 until it reaches age 67 in the year 2022.
Retirement Age – Minimum
The minimum age for retirement-age 62 for workers, and age 60 for widows or widowers. You can choose a reduced benefit anytime before you reach full retirement age
Retirement Earnings Test
If you receive monthly Social Security benefits before your full retirement age and work, your earnings from wages and/or self-employment cannot exceed a certain amount without reducing your monthly benefits.
Retirement Eligibility Age
The age, currently age 62, at which a fully insured individual first becomes eligible to receive retired-worker benefits.
Retroactive Benefits (Back Pay)
Monthly benefits that you may be entitled to before the month you actually apply, if you meet the requirements
Retirement Benefit
Money that is payable to you upon retirement if you have enough Social Security credits.
Self-Employment Income
You are self-employed if you operate a trade, business or profession, either individually or as a partner, and have net earnings of $400 or more in a taxable year.
Social Security
Social Security is based on a simple concept: While you work, you pay taxes into the Social Security system, and when you retire or become disabled, you, your spouse and your dependent children receive monthly benefits that are based on your reported earnings. Also, your survivors can collect benefits if you die.
Social Security Number (Social Security Card)
Your first and continuous link with Social Security is your nine-digit Social Security Number. It helps us to maintain an accurate record of your wages or self-employment earnings that are covered under the Social Security Act, and to monitor your record once you start getting Social Security benefits.
Social Security Office
Your local Social Security office is the place where you can:
- apply for a Social Security number
- check on your earnings record
- apply for Social Security benefits, Supplemental Security Income (SSI), and hospital insurance (Medicare) protection
- enroll for medical insurance
- get help applying for food stamps and
- learn everything you need to know about your rights and obligations under the Social Security law
There is no charge for any of our services. You can also call our toll-free telephone number, 1-800-772-1213, to receive all these services. Our TTY number is 1-800-325-0778. This toll-free telephone number service is available from 7 a.m. to 7 p.m. any business day. All calls are confidential.
You are the spouse of the worker if, when he or she applied for benefits:
- you and the worker were married
- you would have the status of a husband or a wife for that person's personal property if they had no will
- you went through a marriage ceremony in good faith, which would have been valid except for a legal impediment
Supplemental Security Income (SSI)
A federal supplemental income program funded by general tax revenues (not Social Security taxes). It helps aged, blind, and disabled people who have limited income and resources by providing monthly cash payments to meet basic needs for food, clothing, and shelter.
Survivors Benefits
Benefits based on your record (if you should die) are paid to your:
- widow/widower age 60 or older, 50 or older if disabled, or any age if caring for a child under age 16 or disabled before age 22
- children, if they are unmarried and under age 18, under 19 but still in school, or 18 or older but disabled before age 22
- parents if you provided at least one-half of their support
An ex-spouse could also be eligible for a widow/widower's benefit on your record. A special one-time lump sum payment of $255 may be made to your spouse or minor children.
Taxable Earnings
Wages or self-employment income, in employment covered by the OASDI or HI programs, that are under the applicable annual maximum taxable limit. For 1994 and later, no maximum taxable limit applies to the HI program.
Taxable Self-Employment Income
The maximum amount of net earnings from self-employment by an earner which, when added to any taxable wages, does not exceed the contribution and benefit base. For HI beginning in 1994, all net earnings from self-employment.
Taxation of Benefits
Beginning in 1984, Federal law subjected up to 50 percent of an individual's or a couple's OASDI benefits to Federal income taxation under certain circumstances. Treasury allocates the revenue derived from this provision to the OASI and DI Trust Funds on the basis of the income taxes paid on the benefits from each fund. Beginning in 1994, the law increased the maximum percentage from 50 percent to 85 percent. The HI Trust Fund receives the additional tax revenue resulting from the increase to 85 percent.
Cessation of payment because the beneficiary is no longer entitled to receive a specific type of benefit.
Wage Earner
A person who earns Social Security credits while working for wages or self-employment income. Sometimes referred to as the "Number Holder" or "Worker."
All payment for services performed for an employer. Wages do not have to be cash. The cash value of all compensation paid to an employee in any form other than cash is also considered wages, unless the form of payment is specifically not covered under the Social Security Act
You are the widow/widower of the worker if, at the time the insured person died:
- you and the worker were validly married
- you would have the status of a husband or a wife for that person's personal property if he or she had no will
- you went through a marriage ceremony in good faith that would have been valid except for a legal impediment
The minimum age for widows benefits is 60, or 50 if disabled.
Lump Sum Death Payment
A one-time payment of $255 paid in addition to any monthly survivors benefits that are due. This benefit is paid only to your widow/widower or minor children.


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At any given moment, across the United States, people are waking up the morning after their sixty-second birthdays, and after their morning coffee they log into the Social Security website to sign-up for their benefits. Sadly, this simple, logical action may be one of the biggest financial mistakes they make, and may cost many of these people hundreds of thousands of dollars over their lifetimes.
Well, it may have something to do with the fact that the official Social Security Handbook contains no less than 2,728 separate rules governing social security benefits. Let's put it another way. In a recent book on Social Security planning published for financial professionals, over 40 percent of the book is devoted to a discussion of various Social Security strategies for couples! Many more pages are devoted to discussions of strategies that are designed for singles and non-traditional couples.
In an environment where there are 2,728 rules, it shouldn't surprise you to learn that there are many choices. One you probably already know about: deciding whether to begin collecting Social Security at age 62, and start receiving money then, or to wait perhaps to age 70 and collect more money later. But matters are much more complicated than that. Singles, couples, and "non-traditional" couples (where one spouse may be much younger or older than the other, where there is a great disparity in incomes between the spouses, etc.) all have different issues and one couple's (or single's) issues are not at all likely to be like another's.
My job is to help you devise a Social Security strategy that takes your unique circumstances into account and, in combination with your other resources (savings, investments, pension, etc.), will give you the best possible retirement.
You may have received financial and retirement planning advice from a financial advisor, an insurance agent, or even a "family banker." None of these individuals are charitable institutions – in many cases, their advice includes recommendations on the purchases of insurance policies, annuities, stocks, etc., for which they receive a commission as do I when I sell these instruments. In my own case, I found that I could not offer the best possible service to my clients without becoming an expert on Social Security, as well. Obviously, no commissions are paid on this portion of my business. It is something I choose to do to provide the best, most complete, retirement planning services I can. Like my colleagues, I am not a charitable institution, either.
When should you start planning your strategy?
Social Security is an important part of your total retirement/estate planning strategy. I suggest that you should start planning for the part Social Security will play in your strategy when you first think "I really ought to put something aside for retirement." Is twenty too early? Not at all, if you intend to embark on the execution of a disciplined, life-long retirement strategy. Is sixty-two too late? No; but it has been my experience that the options available to you will become fewer as you grow older. The earlier you begin planning, the more choices you will have. In this context, "choices" means "more opportunities to maximize returns." I find that I can contribute most when people are between the ages of 30 and 50. Though I can and have helped older people make the best choices for them, it remains a fact that the number of choices available to them are fewer. And Social Security is like any other investment: as your circumstances change (income, marital status, children, age, health), you should re-evaluate your plan in light of your new circumstances, just as you would with any other investment.


text: When the 9\/11 attacks occurred, Americans flooded the Internet to seek news and feel connected. Danny Lewin was a tech entrepreneur who had developed algorithms to ensure the Web wouldn't crash from high traffic. He was also the first victim on Sept. 11. Molly Knight-Raskin joins Ray Suarez to discuss her new book about Lewin.


text:
|Place of Origin:
|Brand Name:
|Minimum Order Quantity:
|1 set
|Packaging Details:
|container packaging
|Supply Ability:
|Two machines per month
|Corrugated Sheet Length:
|Corrugated Sheet Width:
|Molding Efficiency:
|3 Pieces / Minute
|Total Weight:
|Ripple Pitch Error:
|± 0.2(mm)
|Reinforcement Slot Number:
|≤ 2
|High Light:
radiator fin forming machine,
profile sheet making machine
As a common power system power transmission and transformation equipment, the transformer is mainly composed of a core, a winding and a fuel tank. During the working process of the transformer, since the iron core and the winding generate a large amount of heat, thus heat dissipation is required, and the main function of the oil tank is to dissipate heat. The transformer fuel tank has a tubular fuel tank, a flat oil tank and a corrugated oil tank. In contrast, the corrugated oil tank has better heat dissipation effect and therefore has a good application prospect.
Durable practical equipment for producing transformers
Forming machine consists of decoiler, coil car, fin forming machine, hydraulic system, electrical control system.
Function : including materials guidance, feeding, position guidance, materials pushing, front pack, rear pack, edge folding, shearing and of parts collection.
Machine is nice in outlooks, rational in structure and easy in operation
Machine is renowned for hydraulic driving, automatic control, low noise, stable running and human-computer dialogue display. The computer unit in the machine can perform the processes of shearing, forming and edge folding at one stroke according to data input.
Machine has been proven for lasting performance, reliable quality, high efficiency and easy operation.
Technical Parameters
|Sheet Thickness
|Corrugated Sheet Length
|Corrugated Sheet Width
|Corrugated Sheet Height
|Corrugated Sheet Pitch
|Reinforcement Slot Number
|≤ 2
|Reinforcing Rib Length
|≤ Corrugated Sheet Width-16 mm
|Non-perpendicular deviation of corrugated sheet from its base surface
|≤ 1% of wave height
|Ripple Pitch Error
|± 0.2(mm)
|Molding Efficiency
|3 pieces / minute
|Total Weight
Elegant apperance
Reasonable price
Easy operation
Good quality: We have a professional designer and experienced engineer team
Contact Person: Jacky Liao


text:
Delivered in church on October 31, 2010*
By 1528 at the latest Martin Luther had written the hymn "A Mighty Fortress Is Our God", number 68 in our hymn book, as a homily on Psalm 46. The words to this hymn always turn my thoughts to Luther's experience in taking refuge in the mighty Wartburg fortress at Eisenach in the German principality of Thuringia in 1521. We can imagine Luther reflecting on his isolation while sequestered in that fortress, in disguise as a knight for his own protection, as he later penned the words.I am grateful that we sang this hymn today as our intermediate hymn — it was no coincidence. Nearly five hundred years ago, on October 31, 1517, the eve of All Saints' Day, Martin Luther conspicuously nailed his 95 theses to a church door in Wittenberg. These 95 points identified significant ways in which Luther believed that the Christianity of his day (represented by the Roman Catholic Church) had deviated from the early Christian church originally established by Jesus Christ and developed by the New Testament apostles, particularly Paul. The recent invention of the printing press a few decades earlier facilitated the unprecedentedly rapid dissemination of Luther's theses not only throughout Germany but the rest of Europe as well, unintentionally provoking accusations of heresy and eventually Luther's excommunication in January 1521.
Luther's reformist religious ideas quickly became a political matter as powerful members of the German nobility embraced his teachings and took him under their protection following the excommunication. The Protestant Reformation began to form out of Luther's ideas, especially his tracts and essays written in response to criticisms of his reformist ideas.
The stakes were high for Luther and others in speaking their conscience on these religious matters. Luther's refuge in the Wartburg fortress very likely saved his life following the Edict of Worms issued by Charles V, the Holy Roman Emperor, in May 1521. The fortress dominates the top of a 1,230 foot cliff and is all but impregnable from three sides because of its perch upon this massive rock. This strategic position provided relative safety from those who intended Luther harm. It was during this time in the Wartburg that Luther translated the New Testament from Greek into German, which in a certain sense laid some of the groundwork for the Restoration of the Gospel through Joseph Smith hundreds of years later because it had the effect of making the common people more intimately engaged with the scriptures in their own personal lives. But we also know from his letters that Luther endured some of his darkest times while in hiding in the Wartburg fortress. He described the experience as being his own personal desert.
Based on this description, it seems that the isolation and threat of danger under which Luther resided for nearly a year in the Wartburg became what we could perhaps describe as a "dark night of the soul" for Luther. The "dark night of the soul" has long been a recognized part of our spiritual journey in the Christian tradition. The concept appears to have been given this name by St. John of the Cross in the Sixteenth Century. But we are familiar with the Savior's own dark night of the soul in Gethsemane and on the Cross. Gethsemane was a prelude when he pleaded with the Father that the cup might be taken from him and received the support of angels. Later, on the Cross, he was left without such support and revealed his sense of abandonment as he cried "My God, my God, why hast thou forsaken me?" in the culminating event of the Atonement.
Christ atoned for us so that we will not have to suffer for our own sins if we accept his sacrifice through faith and repentance and signal this faith and repentance through receiving the ordinance of baptism by immersion for the remission of sins. His divine nature made the crisis he experienced during the atoning sacrifice unique to him alone. But it seems that in our own spiritual journey through life each of us inevitably will face a dark night of the soul that is perhaps also unique to each of us, based on our own unique perceptions of the world around us and our experiences.
If a dark night of the soul (or multiple dark nights of the soul) is indeed a necessary part of our individualized spiritual journey toward a closer, more permanent union with God and eventual exaltation as joint-heirs with Christ, perhaps the reason is that if we have not become acquainted with or come to grips with our own fallen, unfixable and corrupted nature, we cannot claim to have truly felt Christ's grace, either.
We find evidence of this in the writings of Nephi, one of the greatest of the Book of Mormon prophets. In the "Psalm of Nephi", Nephi describes this experience as follows:
17 Nevertheless, notwithstanding the great goodness of the Lord, in showing me his great and marvelous works, my heart exclaimeth: O wretched man that I am! Yea, my heart sorroweth because of my flesh; my soul grieveth because of mine iniquities.
18 I am encompassed about, because of the temptations and the sins which do so easily beset me.
19 And when I desire to rejoice, my heart groaneth because of my sins; nevertheless, I know in whom I have trusted.
20 My God hath been my support; he hath led me through mine afflictions in the wilderness; and he hath preserved me upon the waters of the great deep.
21 He hath filled me with his love, even unto the consuming of my flesh.
25 And upon the wings of his Spirit hath my body been carried away upon exceedingly high mountains. And mine eyes have beheld great things, yea, even too great for man; therefore I was bidden that I should not write them.
34 O Lord, I have trusted in thee, and I will trust in thee forever. I will not put my trust in the arm of flesh; for I know that cursed is he that putteth his trust in the arm of flesh. Yea, cursed is he that putteth his trust in man or maketh flesh his arm.
35 Yea, I know that God will give liberally to him that asketh. Yea, my God will give me, if I ask not amiss; therefore I will lift up my voice unto thee; yea, I will cry unto thee, my God, the rock of my righteousness. Behold, my voice shall forever ascend up unto thee, my rock and mine everlasting God. Amen. (2 Nephi 4:17-21; 25; 34-35)
Nephi describes how the Spirit has carried him to the heights of mountains from the depths of this realization and he mentions trusting in God as his rock. Martin Luther found similar strength in a dark time by trusting in Christ's Atonement as he focused on translating the New Testament while safely ensconced on the rock of the Wartburg.
Another of the greatest figures in the Book of Mormon, King Benjamin, touched on this realization of his own nothingness in his notable speech to his people:
25 And now I ask, can ye say aught of yourselves? I answer you, Nay. Ye cannot say that ye are even as much as the dust of the earth; yet ye were created of the dust of the earth; but behold, it belongeth to him who created you.
26 And I, even I, whom ye call your king, am no better than ye yourselves are; for I am also of the dust. And ye behold that I am old, and am about to yield up this mortal frame to its mother earth. (Mosiah 2:25-26)
Like Nephi, King Benjamin also identifies the solution to the implications of this realization in the same sermon:
17 And moreover, I say unto you, that there shall be no other name given nor any other way nor means whereby salvation can come unto the children of men, only in and through the name of Christ, the Lord Omnipotent. (Mosiah 3:17, emphasis added)
We should perhaps emulate the response of King Benjamin's people who, when they heard this speech, responded as follows:
2 And they had viewed themselves in their own carnal state, even less than the dust of the earth. And they all cried aloud with one voice, saying: O have mercy, and apply the atoning blood of Christ that we may receive forgiveness of our sins, and our hearts may be purified; for we believe in Jesus Christ, the Son of God, who created heaven and earth, and all things; who shall come down among the children of men. (Mosiah 4:2)
I believe this reaction shows us the way forward when we encounter our own dark night of the soul. Do we cry, "O have mercy, and apply the atoning blood of Christ that I may receive forgiveness of my sins, and my heart may be purified; for I believe in Jesus Christ, the Son of God, who created heaven and earth, and all things"? Too often we do not take that next step when we are brought as low as the dust of the earth.
Thousands of years earlier, Moses had learned the same lesson in his Epiphany (which followed his own dark night of the soul) as recorded in the Pearl of Great Price:
9 And the presence of God withdrew from Moses, that his glory was not upon Moses; and Moses was left unto himself. And as he was left unto himself, he fell unto the earth.
10 And it came to pass that it was for the space of many hours before Moses did again receive his natural strength like unto man; and he said unto himself: Now, for this cause I know that man is nothing, which thing I never had supposed. (Moses 1:9-10)
Following this realization, Moses turned to the Lord and received power to overcome this dark night of the soul as well as revelations of great knowledge.
Finally, to bookend this set of examples, we look from the early example of Moses to the late example of Joseph Smith, who experienced spiritual darkness as he pondered which church to join. His experience is recorded in his History in the Pearl of Great Price.
15 After I had retired to the place where I had previously designed to go, having looked around me, and finding myself alone, I kneeled down and began to offer up the desires of my heart to God. I had scarcely done so, when immediately I was seized upon by some power which entirely overcame me, and had such an astonishing influence over me as to bind my tongue so that I could not speak. Thick darkness gathered around me, and it seemed to me for a time as if I were doomed to sudden destruction.
16 But, exerting all my powers to call upon God to deliver me out of the power of this enemy which had seized upon me, and at the very moment when I was ready to sink into despair and abandon myself to destruction—not to an imaginary ruin, but to the power of some actual being from the unseen world, who had such marvelous power as I had never before felt in any being—just at this moment of great alarm, I saw a pillar of light exactly over my head, above the brightness of the sun, which descended gradually until it fell upon me.
17 It no sooner appeared than I found myself delivered from the enemy which held me bound. When the light rested upon me I saw two Personages, whose brightness and glory defy all description, standing above me in the air. One of them spake unto me, calling me by name and said, pointing to the other—This is My Beloved Son. Hear Him! (Joseph Smith–History 1:15-17)
Interestingly, the work of Martin Luther and other Reformers led inexorably to this moment when Joseph Smith faced his own religious crisis and, in simple childlike faith, followed the injunction of James in seeking guidance directly from God. As a result of his First Vision and the prophetic work that Joseph Smith would be called to do, he would face many more such crises in his life, turning each time to the "rock of our Redeemer, who is Christ, the Son of God" to build his foundation (Helaman 5:12). Like Martin Luther before him, Joseph Smith continually found security and protection in the Atonement of Jesus Christ, a mighty Rock upon which to build an impregnable fortress of faith.
Luther felt as though he was in his own personal desert while in refuge in the Wartburg fortress. The imposing and massive rock upon which the fortress stands offered protection against those who meant him harm. While sheltered there, he pondered the Atonement as he translated the New Testament. In another desert, the children of Israel wandered in despair, seeking the water necessary to sustain their life. Moses saved them by striking a mighty rock, from which water miraculously flowed, saving their lives. This straightforward teaching about the living waters offered by the Gospel of Jesus Christ remains an inspiration for us today. We must look to the Atonement of Jesus Christ when we are in our own personal deserts in our lives or when we face the inevitable long, dark night of the soul in our personal spiritual journeys. In both cases it is a time when we come to a realization of our own nothingness before God. When we wander in our own personal deserts, like Martin Luther in the Wartburg fortress or the Children of Israel during their 40 year sojourn, we must seek the living waters spoken of by Christ in his discussion with the Samaritan woman at the well in John 4:13-14, as Brother S. discussed in his talk. When we find ourselves in our long, dark night of the soul — a time when we lack wisdom like Joseph Smith and are looking for God's guiding light — we should ask of God, believing, trusting, or, failing that, merely hoping, that he does indeed give to all his children liberally without reprove, as promised by James, as we heard from Sister M. in her talk. When we do so, we have the promise of the Lord Jesus Christ himself, as recorded by Matthew and read by M. [a primary child], that when we ask, it shall be given us, when we seek, we shall find, and when we knock, it shall be opened unto us (Matthew 7:7-12).
My testimony is that God will not give us a rock when we ask for bread. But I have experienced the living waters that he can and does cause to flow from the rock. May we never hew out for ourselves broken cisterns that hold no water, forsaking the fountain of living waters offered by the Atonement of Jesus Christ, as admonished by the prophet Jeremiah (Jeremiah 2:13). Rather, may we look to Jesus Christ himself, the well of living waters, and be healed and sanctified by his grace.
* Thanks to Rebecca J., Mark Brown and Brad Kramer for some of their thoughts over the last couple of weeks that contributed to and inspired the approach I have taken in this talk.


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Pam Spaulding, blogmistress of Pam's House Blend, is an inspiration to all citizen journalists. Carrying a day job, living with chronic pain and disability, Pam tirelessly advocates for fairness and equal rights. Pam lives with her wife in North Carolina, they are an interracial couple. Pam campaigned, along with individuals, organizations and churches, against Amendment One– a law that bans all unions, gay or straight, except traditional marriage. This will affect straight couples when it comes to such rights as visitation in the hospital. It might just foul things up enough to discomfort the average North Carolinian.
About a year ago I heard Maggie Gallagher of NOM (National Organization for Marriage) testify in the Rhode Island State House that we should put marriage equality to a popular vote. Putting the rights of a minority to a majority vote is almost a guarantee that those rights will be denied, as we see in North Carolina.
Pam links here to the day after Amendment One…
Rev. Jasmine Beach-Ferrara, Executive Director of the Campaign for Southern Equality is ready to roll with an equality action following the results of today's primary. Its WE DO Campaign involves LGBT couples in Southern communities requesting – and being denied – marriage licenses in order to call for full equality under federal law and to resist unjust state laws. During these actions clergy, family and friends stand with them. She shares her feelings about passage of Amendment One.
This is a hard night. As I sit in Wilson, N.C. I'm thinking most about the LGBT youth across the state who, for months now, have been hearing increasingly vitriolic messages that they are less than. My heart is heavy for them, and heavy with the news that Amendment One has passed.
But that's not all that I feel. Looking forward, I feel deeply hopeful about what is possible – tomorrow and in the years to come. This hope comes from knowing people like you and from knowing that we are building a new southern equality movement that, I truly believe, can accelerate the path to full federal equality.
We can't change the results of this vote, but we can determine what comes next. Tomorrow when kids across the state wake up, I want them to know that this story isn't over.
Follow the link above if you want to know what is happening nationwide.
I hope to get Pam's autograph at NetRoots Nation. She is always worth reading. You can visit the Blend here.
I'll probably be hearing more about this in church. The Unitarian Universalist Association has a campaign for human rights called, Standing on the Side of Love.


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With different online surveys and research figuring out the efficiency of a certain company as being a main means for internet marketers to operate income and productiveness, men and women from the procurement office or those sensible in purchasing place of work equipments and components essential in the industry are being affected by the best way to really find the correct place of work equipment before effectiveness and productiveness issues grow to be problems.
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1. Know what you require
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You may also try out considering the amount of operate you have using a distinct place of work unit. For instance, for computer printers, it is advisable to buy a weighty-task, multifunctional printing device thinking about the particular jobs your employees should produce.
2. Look at your area
Not all the major points will invariably look nice, specifically if you have limited work place. It does not really subject in case your business office instrument is probably the most contemporary services on the planet. As long as it does not impede work circulation across the location and does not block website traffic stream within the vicinity, your business device is going to be fine.
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For ease and faster deals, it is possible to choose on the internet acquisitions. Nevertheless, it is actually greatest that you just take all the required preventive measures to avoid being victimized by fraud or identity theft. It really is greatest that you simply make sure the maximum type of safety within the web site you may have dealings with. Be wary of offering private data straight away. If you feel that the purchase details will not be that very clear for your needs, speak to the supplier's customer satisfaction right away or personally check out their office to have the discrepancies or false impression settled.
These are just some of the many recommendations you could find on the internet or through some buddies and fellow workers that will help you pick the best tool for your personal place of work and organization. Embracing all possible direction to assist you to get to a functional choice will not only do well for you enterprise but most importantly in your budget.
Inspired by: ezinearticles


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Anderson Cooper | BIO
AC360° Anchor
The ice sheet that blankets the largest island in the world holds about 630,000 miles of ice. But NASA estimated in 2005 that the ice sheet was losing about 200 gigatons per year – roughly 200 times more than the amount of water Los Angeles uses every year.
At a research camp on the ice sheet, scientists say temperatures are up 2.7 degrees Fahrenheit in the past 30 years, more than double the global average. The researchers at Swiss Camp are studying how fast the ice is melting and the way it is changing locally and what impact that will have on the world.
Filed under: Environmental issues • Planet in Peril
When people hear about the "Planet in Peril" the first thing they think about is the Greenhouse Gases and Climate Change. Something it's sure about that! "The Planet in Peril" that is.
Yet, where is the proof, the smoking gun, that this is all directly related to man and not a result of normal global climate change throughout time.
Anderson Cooper goes beyond the headlines to tell stories from many points of view, so you can make up your own mind about the news. Tune in weeknights at 8 and 10 ET on CNN.
Questions or comments? Send an email
Want to know more? Go behind the scenes with AC361°


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Whatever your strategic communications challenge, this simple, 8-step process can improve your chances of success.
1. The Business Target
What is your organisation trying to achieve?
Start by defining your end goal as a quantifiable, time-bound objective:
Increase sales revenue by 11% to $500,000 by end Q3
Increase readership to 5,000 unique subscribers by December 31st
Raise $10,000 in charitable donations by October 12th
Note that if your business target changes, you need to change the rest of your strategy too – which means starting this whole process again.
2. The Behaviour Change
What do you want people to do differently?
Understanding which change in behaviour will contribute most towards your business target helps you to prioritise your efforts on activities that will deliver disproportionately greater returns.
No matter what your brand's situation, the behaviour objective will always be one (and only one) of the following:
Penetration: encourage people to try or buy the brand for the first time;
Frequency: encourage people to use or buy the brand more often;
Weight: encourage people to use or buy more of the brand every time they use or buy it.
Note that repeat purchase falls within frequency.
3. The Audience
Who do you need to influence in order to bring about the behaviour change?
A person who doesn't know your brand will respond to your communications in a very different way to someone who has been a loyal fan for many years.
For this reason, your audience is defined by your behaviour change objective, and is not a pre-determined input.
In keeping with the strategic principle of focusing your resources where they can deliver the greatest returns, you need to identify those people who will play the most influential role in determining whether you can achieve your behaviour change objective.
Think about this carefully – the most influential audience may not always include your consumers.
There will be times when friends or colleagues of your consumers; celebrities; regulators; social activists; or even your own rivals are more important.
No matter who it is, though – even if it's corporate procurement – audiences are always people.
4. The Attitude Challenge
What does your audience think or believe now that stops them from behaving in the way you'd like?
If you want to influence people's attitudes, you've got to understand their existing perceptions.
Audiences often share one key attitude that stops many of them from behaving in the way you'd like.
This can be as simple as them not knowing your brand exists, or it can be a more complex perception that your brand is only relevant to certain situations.
It can also be the result of perceptions about your competitors, so it's critical to research these as well.
Speak to your audience and find out as much as you can about their attitudes and beliefs; the better you understand them, the easier it will be to address the challenge.
5. The News
What will you tell the audience to inspire them to re-evaluate the attitude challenge?
When you know what people think now, and what you'd prefer them to think as a result of your communications, you can craft a message that helps people to see an alternative perspective.
It's best to start this step by identifying its end: what would you like the audience to think instead?
It's important to note that this 'message' is not an advertising tagline or a slogan; it's merely what you'd like people to think as a consequence of experiencing your communication.
6. Times and Places
Where and when will your news be most relevant to your audience?
This step is all about balancing reach and resonance.
Reach determines how many people in your audience experience your news.
Resonance identifies the times and places where that news will have the greatest impact on them.
Communications need both elements to succeed.
The best way to approach this step is to think about as many different aspects of your audience's life as you can, and then identify the times and places within that where your news will have most relevance.
It's important not to limit your thinking to conventional 'media': you can use literally anything as a communication channel, so long as it delivers your news to your audience.
7. Action
What is the most effective way to bring your news to life in each of these times and places?
How will you deliver your news in each communication channel?
No matter which times and places you use, it's critical that you identify a communications proposition for each activity.
A communications proposition is the benefit that the audience receives simply by engaging with your communication.
This can be as straightforward as entertainment or useful information, but you must always conceive it from the audience's perspective; ask yourself, "why would they care?"
Making each activity worthy of conversation helps amplify your reach at no extra cost to you.
However, activities that inspire audience sharing require more powerful communications propositions: in addition to delivering individual relevance, you need to identify a reason why people would be interested in sharing the news with others as well.
When approaching this step, it pays to spend a lot of time understanding the why, rather than merely focusing on how to create the what.
8. Learn and Improve
What worked well, and what could you do better next time?
Measurements need to be relevant to your objectives.
Metrics such as 'advertising awareness' and 'audience reach' will only tell you part of the story.
A much more reliable approach is to identify whether you've influenced the audience's attitudes in the way you had intended.
The process for doing this is very straightforward:
Before you begin any of your communications activities, measure the strength of the attitude challenge amongst the audience.
Then, once you have started to communicate, conduct the same measurement again, but add an extra question that identifies whether the respondent has experienced any of the communications.
Those people who have not experienced the campaign become the control group, allowing you to quantify the impact of each activity by measuring the difference in results compared to those people who have experienced the campaign.
Measurement on its own is worthless, though; it's what you do with the findings that delivers value.
Use them to identify channels and activities that could have been improved, as well as those that worked very well.
You can then use these findings to improve all your subsequent communications.
Now that you've completed all 8 steps, there's a good chance you'll have delivered your business targets.
In which case, it's time to…
Rinse and Repeat
Good luck!
If you have any questions about this process, please feel free to send them to me on twitter via @eskimon, or post them in the comments section below.