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Fantasy Football Competition
To celebrate the return of the Premier League we are running a Carry Out Fantasy Football league for 20 lucky customers this weekend! Whoever tops the league on Game week 3 will win a €30 Carry Out voucher! The first 20 people to comment below with their team name will be entered into the league.
Acceptance of Terms and Conditions
•This promotion is open to entry to individuals over the age of 18 and who reside in the Republic of Ireland and have no affiliation with Carry Out or any of their affiliated companies
•Entry into this promotion is deemed to be a full and unconditional acceptance by the applicant of the terms and conditions of this promotion
•By agreeing to these terms and conditions, entrant agrees that their personal details can be used by Carry Out purely for the purposes of this competition and no other purpose
•Carry Out has relied on the accuracy and truth of such representations and warranties in allowing you to enter the competition. Should Carry Out or its agents become aware of any fraud, deceit or similar action undertaken in connection with the competition or otherwise, or any act or omission which might have (In Carry Outs opinion) an adverse effect on the competition, Carry Out reserves the right to forfeit your place in the competition (without giving any reason and without notice)
Prize Details
•Only one entrant per person is allowed
•Only one prize can be won.
•The prize will be sent out up to 30 days after the winner is announced if otherwise started – e.g the prize is customisable
•There is no cash alternative.
•Carry Out are the promoters
•Offer stands as stated; prize is non-transferable. No cash alternative or alternative prize to the prize will be provided however the promoter reserves the right to replace any prize with an alternative offer of equal value, definition of value and amount of merchandise is at the promoter's discretion
•The promoter reserves the right to withdraw or amend this promotion in the event of any unforeseen circumstances beyond its control
•Neither the promoter nor any of its associated companies shall be liable to any entrant for any cancellation or delay affecting this promotion and the promoter does not accept any liability for any loss or damage incurred or responsibility for any claim as a result of acceptance of the prize
•This promotion is in no way sponsored, endorsed or administered by, or associated with Facebook. You are providing your information to Carry Out and not to Facebook
Conditions of Entry
•Entrants are required to comment with their Fantasy team name.
•If the fantasy team name is changed or different when the league commences, the entrant will be disqualified.
•Any team in the league that is not entered via the Facebook page will be disqualified
•The entry code cannot be sent to any other person without Carry Out's consent.
•Carry Out reserves the right to require proof of age and evidence to verify the identity of an entrant at any time and may use any reasonable channels and methods available to carry out checks of any details provided by the entrant
•Use of a false name or address by a competition entrant will disqualify you from receiving any prize
•An entrant's personal data will only be held for the purposes of this promotion and delivering the prize and will not be used for any other purpose without the entrants expressed permission
Winner Selection
•Competition closes when the first 20 entrants are in the league.
•The team on the top of the table after gameweek 6 wins the €30 Carry Out voucher.
•Winner will be contacted by Carry Out via Facebook on the Monday after gameweek 6.
•The winners name will be posted on the Competition Terms and Conditions within 28 days of the closing date and available upon request – [email protected]
•If prize is left unclaimed for a week proceeding initial contact, prize will be redrawn
By entering and participating, entrant agrees to hold harmless, defend and indemnify Facebook and Carry Out from and against any and all claims, demands, liability, damages or causes of action (however named or described), losses, costs or expenses, with respect to or arising out of or related to (i) entrant's participation in the competition, or (ii) entrant's participation in any Prize related activities, acceptance of a Prize and/or use or misuse of a Prize (including, without limitation, any property loss, damage, personal injury or death caused to any person(s)
How to Enter
The first 20 people to comment below with their fantasy team name will be entered into the league. We will send a private message to the lucky players with the entry code. Best of luck! Click here to view our page
8 Replies to "Fantasy Football Competition"
Lovren an evelator
Hardly Athletic
Fizzio Atheltico
The Beano's
Obi Wan Bissaka
Water Bandits
Eleven Prize Eejits


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A few weeks ago I spotted a 30-something female in a convenient store parking lot using a wire coat hanger to attempt to unlock a Honda CRV. People lock themselves out of their vehicles all the time so I thought I'd stop and see if I could assist.
I approached the woman and asked her what's going on. Instead of telling me she locked herself out of her vehicle, she started weaving this incoherent tale about how this isn't her SUV, someone else drove it here, she was just the passenger and she doesn't even know the person who drove the vehicle, etcetera. I ran the plates and sure enough the vehicle was stolen the day before.
Throughout my interaction, I observed that this woman was missing her teeth. You know, her dentures. I took one look inside the vehicle and there, in the middle console, sat this perp's set of chompers. Case closed.
Method of Extraction: Butane
Form: Wax
Type: Indica-Dominant Hybrid (60% / 40%)
Genotype: Kandy Kush = OG Kush X Train Wreck
Original Breeder is DNA Genetics. This strain is part of their 'Reserva Privada' collection.
Cultivator: Cresco Labs
Purchase Date: 01/18/2017
Net Weight: 1g
Purchase Price: $50, tax included
NOTE: I do not identify dispensaries in my reviews. However, if you want to know the shop that's offering this pricing, I will provide it to anyone who requests it.
Delivery Method Used(s): Glass dab rig with a quartz nail
Cannabinoids Profile: THCa 78.67%; THC 2.75%; CBDa 0%; CBD 0% (ACT Labs)
TIP: To learn how you can use this cannabinoids data to better your health, see the Cannabinoids Library page.
Physical Characteristics: This sample was a soft, medium-yellow, rectangular piece of wax. It was pliable but did not crumble when used. I would describe the consistency as fudge-like.
Terpene Experience: In its intact state, this wax emitted citrus lemon, anise and sweet notes. When dabbed, this sample tasted almost exclusively of pungent lemon. I detected hardly any of the sweet component often associated with this flower.
TIP: To learn all about terpenes, see the Terpenes Library page.
Effects: For me, this one started out by providing a dose of cerebral euphoria that slowly morphed into a relaxing body high. The effects were unexpectedly more cerebral and intense than I had expected. It was kind of a Jekyll-Hyde set of effects for this reviewer.
Duration of Effects: 2+ hours
May Help With: Helped with mood. May also help with mild body and muscle pain, appetite, anxiety, nausea, depression (and more).
Rating: 3/5
An acceptable wax version of the flower form, though it didn't express much of the candy side.
NOTE: For details about this 1-5 Rating Scale, click here.
Don't believe the good officer? Then click here.
And remember, the next time you turn around, turn around again ...'cause I'll be there.
-Officer Dick Downey, Badge #710
Case: Kandy Kush (wax)
File Date: 01/24/2017
Case No: 0088

subset: commoncrawl


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Swiss close case against son of Equatorial Guinea leader
Swiss prosecutors say they have closed an investigation into the son of the president of Equatorial Guinea and two other people
BERLIN -- Swiss prosecutors say they have closed an investigation involving the son of the president of Equatorial Guinea and two other people.
Geneva prosecutors opened the probe on suspicions of money laundering and mismanagement of public assets in 2016. They seized 25 cars in Geneva and a yacht in the Netherlands.
They said Thursday they decided to close the case against Teodoro Obiang and the other two and to release the yacht after Equatorial Guinea agreed to pay Geneva authorities 1.3 million francs ($1.3 million), "notably to cover procedural costs." The prosecutors said the cars would be sold and the proceeds directed to a social program in Equatorial Guinea.
They cited rules that allow prosecutors to close cases in which the person under investigation has done everything expectable to repair any damage from alleged actions.


text: The Apu Trilogy is one of the most beloved films in cinema history and The Immortals get the chance to start it with the poverty coming-of-age film, Pather Panchali. Then they get their taste of European history with an album by John Cale. They dive into what it means to be a drug song with Sister Morphine by Marianne Faithfull–not The Rolling Stones. Then Austin is too enthusiastic about a spy drama called The Sandbaggers. MOSTE POPULAR ENTRIES EVER!!!!Continue reading


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Amalgamator – CSN Copernicus
Copernicus is ideal for amalgam mixing as well as mixing some types of cement capsules.
The amalgam mixing is performed through a satellite like motion generated by the combination of two different kinds of rotations.
A revolutionary unit for the completely renewed structure, vertically shaped, as well as for the external design, characterised by extremely compact dimensions and remarkable steadiness.
The original cap holder system eliminates the problems caused by traditional fork shape holders: the cap can be inserted and removed with one hand only.
The timer, besides programming the mixing time, activates the stopwatch that shows on the display the elapsing time from the end of the mixing thus allowing the operator to check how much time is available to complete the procedures.


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Anti-Eating Face Mask Not more declining diet programs! Only band this steel cage to your head and stuffing your face with biscuits might be not possible. Breathing and talking can be tough also however a little price to pay for a trimmer waistline. As a reward, the item increases because the face mask for a Hannibal Lector costume. While trademarked in 1982 this product never actually became popular, possibly as there only aren't enough sadomasochists in the world nowadays.
What should you do once your child needs a lot of clean air however you can't walk out of the house? Put your baby inside a cage shoddily attached with a wide open home window obviously. Trademarked in the United States in 1922 and well-known in 1930's London, the child cage was designed for city people whose children weren't receiving sufficient clean air, sunlight and fractured skulls.
3- Spray-On Hair
Middle-of-the-night advertisements get suggested hair in a can for many years, making a claim by using a fast spray each hairless places and several years go away. Practicing, but, the dark dirt is just slightly much better than colouring your head with a Sharpie marker. And unless you've had a fume hood with 360 degrees of plastic material to the floor, your bathrooms may be like the soot-covered body of an 18th Century chimney attract.
4- The Firebox
Believe pushing the flames alarm is a enjoyable joke? Not really after this 1938 device, which contains your hand before the law enforcement appear, is involved. Although the creation can prevent the naughty youngster, furthermore, it kills the brave guy who's pulling the dang thing cause there's an actual high inferno. Talk about having one for the team!
5- The Ford Pinto
The Ford Pinto Made by Ford from 1971 to 1980 this subcompact vehicle provided quality relaxation and sufficient efficiency at a affordable cost. There were only one caution: if rear-ended the vehicle might increase into fire. Because a remember to strengthen the rear might price $121 million and the possible payment to sufferers was approximated at $50 million, Ford made a decision to go out of the fiery fuel issue alone and also allow their clients burn off.
An herbicide utilized by the U.S. through the Vietnam Battle, Agent Orange was made to burn from the heavy forest cover to be able to place enemy soldiers below. Although the composite provided its expected objective, scientists forgot to understand that people contact with the chemical resulted in a lot of dangerous health problems such as cancer and childbirth problems. Hundreds of thousands of Vietnamese people and a few of our own soldiers were suffering from this main medical oops.
7- Subprime Mortgage
When interests rates decreased in 2004 banks began providing these extremely high-risk financial loans to individuals with less-than-stellar credit backgrounds. When these types of property owners in serious arrears on their repayments, the effect became a wave of property foreclosures which delivered our economy into the most terrible economic decline since The Great Depression. Cause the bread lines!
8- Clippy
This kind of dynamic digital document clip arrived pre-installed in Microsoft Office bundles from 1997-2003. While created to be a useful office assistant, Clippy verified each uncomfortable and also assumptive, appearing unprompted with statements like "Hey! It looks like you're writing a letter!" The irksome character came ire from customers and was finally given the pink slip, but not before being parodied on "The Simpsons", "Family Guy", and "Drawn Together", to name a few.
9- AutoTune
Although this digital pitch-correction formula may be used tastefully, it almost never is, resulting in tracks where the real performing has been sliced, mixed and refined nearly completely out of the song. C-3PO, WALL-E and Rosie from "The Jetsons" may as well sing today's pop, rap and hip hop because the real sounds of artists like T-Pain, Ke$ha and Kanye are nearly not possible to choose of any provided tune.
10-The Parachute Jacket
German inventor Franz Reichelt was so self-confident in his 1912 parachute jacket that he jumped off the Eiffel Tower to test and check it out. His hubris was unluckily unfounded and he fell to this death in front of an audience of horrified onlookers. Franz Reichelt had placed several cameras to capture the potentially incredible but eventually deadly feat, making him the 1st of many idiots-think Jackass-to film himself performing something extremely dumb


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Join us along with our community partner, Chuck Jones Creativity Center, in the classroom. Chuck Jones is the famous artist known for creating many of the Looney Tunes cartoon characters, such as Bugs Bunny, Daffy Duck, Porky Pig, Roadrunner and the Wile E. Coyote…
Category: Academic
2018_2019 Registration
For the 2018-2019 Academic Year, there will be multiple options for participating in our campus programs. This year we are introducing two Track options, a Track 12 & a Track 16, that are applicable to all students to accommodate different time frames on campus. Each Track is explained in more detail below. Please see the School Calendar for specific starting, break, and finishing dates.
Meet the Movement Teacher
Kaelie joined Nashville Ballet as a second company member where she danced corps roles in company productions including Paul Vasterling's Swan Lake and The Nutcracker. Kaelie also dance the principal role of Anne in Gina Patterson's Anne Frank while on tour with the second company in Kentucky. Kaelie found her passion for teaching through Nashville Ballet's Community Outreach Program where she often performed and taught movement to under privileged children all across Tennessee and surrounding states.
Through the benefits of dance students grow in balance, flexibility and body conditioning.
Are you ready to participate with BEE?
Check out how your student can participate next school year in either our cohesive program or individual class days by paying your fees to get started and learn more!
We Moved!
We have moved to a new location! If you are looking for our HIVE or Arts Teach programs, we are expanding them at Orange County Music and Dance. Come and see us soon at….
What if your child loved going to school?
What if your child loved going to school? Sound like a fantasy? It's not. It is our mission to find your child's passions and help them translate that in to an actual career. We think that children, who are given the chance to discover their passions early in life, will embrace learning to an extent most parents only dream of…
Six types of curriculum
Now that you are thinking through your educational philosophy and understanding more about your students learning preferences, now let's think through curriculum.
Per Dr. Sherri L Wynn, Ed.D. author of How to Pick the Right Teaching Strategy for Children and Teens, (pg 24) the world seems to have accepted the tem curriculum as an all-inclusive name for whatever content is being taught, I believe it's important to create categories of curriculum according to type rather than subject matter.
I know for most moms starting into their journey of home education, their first concern is usually what curriculum to buy. My hope is that this process is enlightening you to the facts that "content" can be instructed many different ways and you can do it in such a way that your child thrives.
Dr. Wynn helps us think through categories of curriculum according to a type rather than subject matter…
Worldview or philospohy
As you consider what is most important for your educational journey, Dr. Wynn takes us through a process of thinking about:
What is real?
What is true?
What is of value?
Why do I think this is important to consider? Speaking from my own experience when I first started homeschooling, the key question was – how important is the worldview of the curriculum to me? After 20 plus years in the homeschool community, knowing the struggle to finding the "right" support group or the "right curriculum", I realize the wisdom of what Dr. Wynn states in her book (page 20)….
Discovering a passion oriented education
Come and join us on Sunday, February 12, 2017 from 7:30 pm – 9:30 pm for a fun, engaging workshop and presentation.
We believe that you are looking into another teaching strategy because you see the creativity in your child and want to help them pursue an education that fuels their passion. What if you could plan an educational journey that fulfilled all of the "subjects" as well as developed your students passion? …
Teachers wanted
B.E.E. is seeking teachers!
SCIENCE and HISTORY INSTRUCTORS WANTED
We are seeking individuals that are knowledgeable and passionate about teaching…


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Professor Roberts wins Dixon Ryan Fox Manuscript Prize
We are pleased to announce that Dr. Kyle Roberts recently won the 2015 Dixon Ryan Fox Manuscript Prize for his latest work, titled Evangelical Gotham: Religion and the Making of New York City, 1783–1860 (University of Chicago Press, forthcoming fall 2016). The award was presented by the Fenimore Art Museum last week. Way to go, Kyle!


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No products
US avalanche survival products: avalanche transceivers, shovels, probes... Famous for robust, easy to use and low consumption technology, based on LED's displays. One of its slogans is: "When ease of use matters most".
Born in 2006 in Chamonix-Mont Blanc by the freeriders Bruno Compagnet and Camille Jaccoux. Their skis are awesome in performance and design. All you may expect on a freeride ski.
Italian manufactured of high quality waxes and tools for ski and snowboard repair and maintenance.
Official supplier of some national teams like: Alpine, Para-Alpine and Ski Cross Canada, Italian Winter Sports Federation, Norwegian Ski Team, Sweden Ski Team, Russian Cross Country Ski Teamn and others.
Contour has been among the leading manufacturers of adhesive climbing skins for ski-touring since it was founded in 1978.
One of the most important world wide manufacturers for diamond files for sharpening skis and snowboard edges.
Dynafit is a leading manufacturer in ski touring and running lightweight super good quality products. In 1975 revolutionized the world of ski touring creating the Dynafit binding that today has become a standard.
The inscription "ICECUT Vallorbe swiss product" has always been synonymous of good guide files for sharpening in the world of skiing and snowboarding. You know it when you have one of its products in your hands... Professionalism all four sides.
United Kingdom running and trail running shoes manufacturer. Inov-8 concept of running is minimalist, based on the natural foot and body biomechanics and not in cushioning.
Spanish manufacturer on running gear and thermal layers offering top quality at reasonable price. Everyday with more presence on competitions and supporting athletes.
Swiss manufacturer of mountain clothing and equipment since 1862. A first global brand that has earned the trust of the most experienced mountaineers.
Wax for ski and snowboard made 100 % on organic sources. Solid nzero waxes are 100 % free from toxic fumes and liquid waxes are 100 % free from hidrocarbon sources taking care of the base or the skis or snowboard.


text: Name: 925 Sterling Silver Charm Beads Fit Original Bracelet Pendants DIY Accessories Jewelry Material: 100% 925 Sterling Silver , If no , 10 Times Refund !! 1 To protect the sterling silver items, we add only one free velvet jewelry bag (box only for earrings) for each parcel. If you need more, please contact us to buy them. 2 We always provide free jewelry bags or box with logo. If you are dropship buyer, please contact us and we will provide the package without logo for you.


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The Tri-Cities Chamber of Commerce committees oversee various aspects of Chamber business and meet on a regular or occasional basis depending on the nature of the committee.
Economic Development
Researching and supporting methods of and issues surrounding business in the Tri-Cities.
Chair: Randy Webster
Seeking and securing business education topics, speakers, and opportunities for Chamber members.
Chair: Mary Vellani
Planning and organizing the Tri-Cities Chamber eight signature events.
Chair: Celia Chiang
Oversees the financial status of the organization.
Chair: Ryan Whittle
Oversees the organizational structure of the organization.
Chair: Daniel Richardson
Government Relations
Standing committee of the Board with executive authority over government relations, public policy, and advocacy at the Chamber.
Chair: Peter Kobayashi
Supporting Chamber members and discussing ideas and issues regarding membership.
Chair: Shannon Mitchell
Young Professionals
Guides the direction of the Tri-Cities Young Professionals program.
Chair: Jenifer Wright
Women in Business
Advocating, motivating, strengthening, encouraging, and developing female talent and leadership in the organization.
Chair: Jennifer McKinnon


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The western half of Arkansas is home to two very different mountain ranges: the Ouachitas and the Ozarks. The Ozark Mountains consist of a series of plateaus that run south to north and are full of caves, sinkholes, springs, and other interesting geologic features. The Ozarks are also rugged and remote, with many streams and rivers. The Ouachita mountain range is covered with a mix of pine and hardwood forests and is made up mostly of sandstone and shale, and the range runs from east to west. Both the Ozarks and the Ouachitas are very popular recreation destinations and offer excellent hiking, biking, wildlife watching, camping, fishing, and much more. The highest mountain in Arkansas is Mount Magazine in the Ouachita Mountains, at 2,753 feet. CDC information for travelers. Hours/availability may have changed.
1.Mount Magazine
2.Mount Nebo
3.Ouachita Mountains
4.Rich Mountain
5.Shinall Mountain
6.Sugarloaf Mountain
6 Most Beautiful Mountains in Arkansas
- Mount Magazine, Photo: Courtesy of Zack Frank - Fotolia.com
- Mount Nebo, Photo: Courtesy of Zack Frank - Fotolia.com
- Ouachita Mountains, Photo: Courtesy of pimmimemom - Fotolia.com
- Rich Mountain, Photo: Courtesy of munst64804 - Fotolia.com
- Shinall Mountain, Photo: Courtesy of Scott Strickland - Fotolia.com
- Sugarloaf Mountain, Photo: Courtesy of Madelyn - Fotolia.com
- Cover Photo: Courtesy of Zack Frank - Fotolia.com


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Politics & Government
Please Give Every City of Dallas Department a Superhero Mascot
Meet Captain Codey.
By Alex Macon Published in FrontBurner May 22, 2018 4:07 pm
His name is CAPTAIN CODEY, because he's from the DEPARTMENT OF CODE COMPLIANCE. And unlike those chumps in The Avengers, he is REAL, and REALLY DEDICATED to "inspecting both residential and commercial properties for violations that may threaten the general public's safety." When was the last time Iron Man flagged somebody for illegal dumping?


text: OFFERING HOMELESS AN OPPORTUNITY TO GET BACK TO WORK JOIN US FOR OUR 7TH ANNUAL FOOD ON FOOT FUNDRAISER SATURDAY, NOVEMER 4, 2017, 9AM - 3PM Hillside Chevron 24505 Hawthorne Blvd. at Newton, in Torrance, CA Dedicated to providing the poor and homeless of Los Angeles with nutritious meals, clothing, and assistance in the transition to employment and life off the streets. FREE Signature Hand Car Wash with your tax-deductible donation. $20, $50, $100 donations ... read more


text: Welcome to Scrapy Tips from the Pros! In this monthly column, we share a few tricks and hacks to help speed up your web scraping activities. As the lead Scrapy maintainers, we've run into every obstacle you can imagine so don't worry, you're in great hands. Feel free to reach out to us on Twitter or Facebook with any suggestions for future topics.


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Earlier this year, we announced that the Modern Studies Association (MSA) had set a new membership record. This announcement clearly encouraged colleagues the length and breadth of Scotland to join the MSA to ensure that our voice is heard at all levels of the Scottish education system.
This much welcomed rally of support brought down our website, meaning delayed membership applications and a non-functioning Members' Area. Since then, our website administrator, Scott Campbell, has been hard at work, and the problem has now been resolved. In order to be GDPR compliant though, previous Members' Area accounts have been deactivated, meaning members are invited to create their own accounts via the 'Join' page on our website.
Thank you to all members for your patience as we worked to resolve this issue and provide the best website possible for our 600 members. You can create your own account through the 'Join' page on our website.
Congratulations to Roisin Craig, a pupil at Stewarton Academy, who achieved the highest mark in Scotland in the SQA Higher Modern Studies exam. Roisin was presented with a certificate from the Modern Studies Educational Trust by her class teacher Ms MacGlade and Head Teacher Mrs Hegarty.
Congratulations to Phoebe O'Toole who achieved the highest mark in the SQA 2018 Higher Modern Studies exam. Phoebe was presented with a certificate from the Modern Studies Educational Trust by her class teachers. Phoebe was one of nine pupils across the country who scored full marks in the Higher Modern Studies exam.
The Modern Studies Association (MSA) is proud to announce that as of today (31 August), we have surpassed what was our highest membership level on record.
As of this update's publication, the MSA has over 450 members – all of whom are current Modern Studies Teachers, working in schools the length and breadth of Scotland.
Founded in 1971, the MSA aims to provide Modern Studies Teachers with advice, collaboration, support and opportunities to participate in CPD events, membership of the MSA is completely free.
Once signed up, MSA members can expect to receive regular news updates, invitations to CPD events such as Annual Conference and a login to a Members' Area with hundreds of ready-to-use resources.
Anybody wishing to join the MSA can do so by clicking this link and filling in the form.
Welcome to the brand new website of the Modern Studies Association.
We hope that you enjoy our new look. It has been specially designed to work better across all devices. The new website also features a brand new Member's Login – with each member of the MSA to receive their own unique login in due course.
The Modern Studies Association is a national organisation aimed at working collaboratively to share resources and good practice across all of Scotland's Modern Studies departments.
The organisation – which is open and free for every Modern Studies teacher to join – also lobbies policy makers to ensure that the Modern Studies curriculum is fit for purpose.
Through surveys, National Conference and our online Members service, the Modern Studies Association aims to ensure that the voice of Modern Studies teachers up and down the length and breadth of Scotland is heard clearly.


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So apparently, Avante lost his log in info. Hasn't posted under that alias in 5 days. Same with aj3292
I still say Avante is not smart enough to successfully run an alt. He has a very distinctive way of posting and outs himself on the first one or two posts. Except for spamming the board, there was nothing about aj3292 that seemed Avante-ish to me.
There are currently 1 users browsing this thread. (0 members and 1 guests)


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Gaggia Brera Bean to Cup Coffee Machine Review 2019
After a recent trip to Italy (where the coffee is AMAZING), I decided that it was time to buy a serious coffee maker that would let me make all of the "long" coffee drinks that I love. (By "long" coffee drinks, I am referring to latte, cafe con leche, and cappuccino). Here at home, those drinks require a trip to Starbucks and a $5 outlay every time. And, coffee-holic that I am, one cup is never enough! So I began to do my research and came up with a few options, the frontrunner was the Gaggia Brera.
Things to Consider Before Buying a Coffee Machine
There are a lot of things to consider before buying a coffee machine.
Do I really need one?
This one depends on your lifestyle, not to mention your tastes. If you prefer a shot of espresso in the morning, rather than a long coffee drink, you would be best served by a stovetop espresso maker. These are inexpensive (actually downright cheap) and take up very little room, not to mention the fact that they make the BEST espresso. Better than any machine. As well, if you only want the occasional long coffee drink, you could supplement your stovetop espresso maker with an inexpensive milk frother, which you can easily tuck into a kitchen cupboard when not in use.
Do I have the countertop real estate for one?
Countertop coffee machines take up space. They all have different footprints, but they are yet another appliance that will live in full sight. And even if you do choose to put yours away between uses, it will take up a fair amount of cupboard space.
Full-service coffee machines can be pricey, ranging from hundreds to thousands. Will you use it enough to justify the cost?
Functionality and Maintenance?
What are your favorite coffee drinks, and does the model that you are looking at make those particular drinks? The other (and I think the most important consideration of all) is how easily does the machine clean up. Some of the machines that I've seen have reservoirs for milk (which means tubing that carries the milk to the frother). Stale milk is, simply put, disgusting. Consider how difficult the machine is to keep clean because you will need to clean it between (almost) every use.
The Gaggia Brera
The Gaggia Brera makes Italian espresso at the push of a button With its Pannarello wand, you can easily froth milk for lattes and cappuccino. It brews coffee from beans or ground coffee, and you can easily customize your brew with an adjustable brew strength setting. You can also control the coarseness of the coffee grind. The Brera is an attractive appliance, with stainless steel panels on the front and a compact footprint.
Features & Benefits of the Gaggia Brera Espresso Machine
For a mid-priced coffee machine, the Gaggia Brera has an awful lot to offer! This is a great option if you don't have an enormous budget – high-end espresso machines can cost thousands of dollars. It is well made and despite the number of plastic parts, should last several years before any of the parts need to be replaced.
Stainless Steel – This sleek machine has the look of a much more expensive machine with stainless steel front panels and drip tray. The sides and control knob, it should be noted are plastic.
Easy access – everything that you need to access is on the front of the machine. This includes the dregs drawer, the water tank, and the drip tray. This allows for easy access, and (more importantly), easy cleaning! Water is loaded to the left of the spout, coffee beans are loaded on top, and waste grounds come out on the right. The removable parts make cleaning a breeze.
Panarello Wand for frothing milk – The panarello wand on the front of the machine makes quick work of frothing milk for lattes and cappuccinos. The wand also dispenses hot water (very hot, indeed) for tea and cafe americano. For daily use, the steam wand only needs to be wiped with a damp cloth. For more thorough cleaning (once or twice a week if you use the machine daily), it is a bit more time consuming, as the wand comes into several pieces and is not dishwasher safe, so it needs to be washed by hand.
Rapid steam technology – The water for this machine gets hot, and fast! One note is that when the machine is turned on, it self-flushes, so it isn't a bad idea to keep a cup under the spout to catch the waste water. The Brera also boasts two separate boilers, on for brewing coffee, the other for making steam, so there is no awkward toggling between the two as with some other models.
The LED illuminated display is easy to see, and the push button controls are well marked and easy to use. The controls on this unit include an adjustment for coffee grind (thanks to a 1400 watt motor), coffee strength (light, medium, and strong), and separate buttons for espresso and cafe americano. The control panel includes a cleaning notification indicator, letting you know when the machine needs to be descaled. Descaling needs to be done a couple of times a year, and requires Gaggia's descaling solution (which is not included with the machine). It is a hands-on operation that takes about 40 minutes of your full attention. Not a difficult task, but a time consuming one.
High quality coffee beverages – This machine makes a very good shot of espresso, but really excels in making drinks with frothed milk. The panarello wand incorporates air into the steamed milk and gives it a great texture with tightly packed air bubbles.
One nice feature of the Gaggia Brera is its pre-infusion brew system. Once the beans have been ground, they are tamped and pre-soaked before the brew cycle begins. This helps to extract more flavor from the beans.
The Gaggia Brera is a small machine, taking up only a 15.5" by 10" patch of countertop. It's height is 11.5" (which is well shorter than the height of most kitchen upper cabinets), and it weighs in at 19 pounds, so it is easy to move.
The downside to the compactness of the Brera is that the machine accommodates cups from 3.25" to 4.5" tall. The narrowness of the drip tray does make it difficult to fit a bulky cup or mug under the spout. As well, the water tank is on the small side, only accommodating 4 to 5 espresso shots before needing to be refilled.
The Gaggia Brera is energy efficient, entering standby mode after an hour of inactivity. This feature is not strictly necessary, as the machine can easily be turned off after making a cup of coffee – the quick steam feature allows coffee to be made within a couple of minutes of being turned on.
The Brera also offers a four stage water filtration system, filtering the water before the brew cycle starts, offering fresher, cleaner tasting coffee.
Other Bean to Cup Coffee Machines
There are several semiautomatic machines in this mid-priced category.
Sage Barista Express Espresso Machine
The Sage Barista Express is comparably priced to the Gaggia Brera. Known for their solid, beautifully designed kitchen appliances, Sage has made a sturdy entry into this market segment. This coffee maker boasts a 1600 watt heating system. It automatically adjusts the water temperature to ensure consistent brewing results. The bean hopper is sealed (to maintain freshness) and holds ½ lb of coffee. The conical burr grinder is made of stainless steel. In addition to the generously sized bean hopper, the water tank holds 2 litres of water, minimizing tank refills.
DeLonghi Compact Automatic Cappuccino, Latte, and Espresso Machine
This machine, by DeLonghi, is a bit more expensive than the Gaggia Brera. It is also a fairly small unit, boasting a 1250 watt motor, and its own water filtration system. It brews coffee with a time-release function which saturates the coffee grounds a little bit at a time to extract more flavour. DeLonghi claims that maintenance on this machine requires half the time of its competitors. Like the Gaggia, it also has an energy-saving switch.
Our Verdict
On the whole, the Gaggia Brera is a great machine for a mid-range automatic espresso maker. The design is well thought out, and the use of plastic components keeps the price down. It is easy to use, and while time consuming, the cleaning/descaling process is easy.
Over time, the plastic components may need to be replaced. The only downside to this machine is that the espresso is good, but not fantastic. It makes a great base for lattes and cappuccinos, so if espresso is your go-to drink, you are better served by buying an inexpensive manual espresso maker. If long coffee drinks are your poison, then this is the machine for you!
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Gaggia Brera Bean to Cup Coffee Machine Review 2019
The Gaggia Brera makes Italian espresso at the push of a button With its Pannarello wand, you can easily froth milk for lattes and cappuccino. It brews coffee from beans or ground coffee, and you can easily customize your brew with an adjustable brew strength setting.


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Available 24 hours a day...
We wouldn't want you left in the dark!
Available 24 hours a day...
We wouldn't want you left in the dark!
Free Phone: 0333 023 3145
Free Phone: 0333 023 3145
Hogan Electrical are available to help you with any electrical emergency you may have. Our contractors are available 24 hours a day, and can be with you in 30-90 minutes!
Weekdays Monday - Friday
Call outs within 20 miles of office postcode - 1st hr £75 then £30 an hr.
Weekend Saturday - Sunday
Call outs within 20 miles of office postcode - 1st hr £100 then £30 an hr.
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Speak with an expert from our team! Free Phone: 0333 023 3145
Local PART P Electrical Contractors Available 24/7!
Local PART P Electrical Contractors Available 24/7!
Browse our services below
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In any emergency an engineer will be with you to resolve the problem within 30-90 minutes. Our engineers will tell you the cause of the fault and explain how they're going to resolve it!
We wont charge you for a call out within working hours, so you wont be charged with any unnecessary charges or fees!
Be assured that all of our work is approved by all major insurance companies!
Get your work priced without spending a penny!
Why Hogan Electrical?
Why Hogan Electrical?
Hogan Electrical is a local established business, carrying out all electrical services. Specializing and inspiring to save energy where possible!
At Hogan Electrical, we take pride in every project, taking the time to fully understand your electrical needs. We're passionate, qualified and skilled in our trade, working hard to ensure your safety and satisfaction, every time. Our after care service will also make sure your question's are answered and you're making the most out of your investment.
Available to help you with any electrical emergency! Our contractors are available 24 hours a day, and will be with you in 30-90 minutes!
Call for a free evaluation! Free Phone: 0333 023 3145
Call for a free evaluation! Free Phone: 0333 023 3145
Really pleased with the service provided by Hogans Electrical.
My Grandad needed his house rewiring, we were concerned how this may effect him due to having dementia. However we shouldn't have worried the lads were kind, considerate and put him at ease.
Having been messed around by some other companies Hogans were efficient and hard working from start to finish.
I highly recommend Hogan Electrical
Gemma Digweed
Gemma Digweed
I called Hogan Electrical to give me a price to hard wire the internet around our house.
Jack came out within 48 hours to give me a price and then duly did the work within a fortnight of me contacting them.
I found Jack and his team to be efficient, conscientious and very tidy.
I would have no hesitation in using them again or recommending them to others.
Tarnya Sherwood
Tarnya Sherwood
Very pleased with the work carried out by Jack and the team. They came on the day requested to fit in with other sub contractors did the work and cleaned up exceptionally well. Will use them again when we need an electrician and would not hesitate to recommend them.
Chris Birch
Chris Birch


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Meeting Minutes – May 2014
Mash Meeting – 05.22.14
Call to Order: 7:08 p.m.
Officers: Alisa, Denise, Jorge
Waived reading of the minutes.
Treasurer's report: Denise: we have $
-Summer Solstice Party:
Daddy Brews @ NOON June 28th
-Hogtown Comp Gainesville: This Weekend
-First Coast Cup: July 25 &26
Entry Window TBD- Entry Cap 600
-Meadllenium: Central Florida Homebrewers
June 21- Winter Springs, FL
Entry window Open- June 14
-Walk on the Wild Side: June 7
Sour ale only
Entry Window Open Until June 2nd
-PSA by JORGE FORS: BRING MASH GLASSES TO MTGS AND DO NOT USE DADDY BREWS GLASSWARE
-Miami Brewing Co (Shnebly): Homebrew & Tasting Expo
Mash Participation?
-Josh Hubner: Cicerone Certification
-Homebrew & Yoga June 17 @ Daddy Brews (featured on NPR): Come get bendy & then get bent
Educational Session: Matt Waldron: Porters
BotY Results:
3. Ryan Lapete – Brown Porter
2. Moe – Robust Porter
1. Dave Kirsten – Baltic Porter


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Slane Castle, June 8th 2019
After almost a decade, Metallica made a triumphant return to Irish shores to play what is always one of the most prestigious gigs of the Summer – the annual Slane Castle concert. Following in the footsteps of Thin Lizzy, Queen, Guns and Roses, and numerous other rock legends, the metal icons apparently juggled some other tour dates in order to do this show.
Due to the journey from Dublin, I missed the first couple of support acts, but got there in time to see Belfast punk legends, Stiff Little Fingers, who were excellent. However, much of the crowd, particularly further back in the venue, didn't seem to be engaging with them, preferring instead to drink and chat.
By the time Swedish rockers, Ghost took to the stage though, people seemed to be far more in the mood, and from their opening song, Ashes, they had the crowds attention.
Personally I loved Dance Macabre, but everyone seemed to have their own favourite, and I'm sure they made a few new fans that day. They put on an amazingly theatrical show, only let down by the fact that it was still bright, so you didn't get the full benefit of their effects. However, this was an impressive debut on these shores, and no doubt they will be back headlining their own gig in all their glory.
But this day was all about the main men – Metallica. Together an astonishing 38 years, they have a reputation as an impressive live band, and having seen them several times in the past, I knew they wouldn't disappoint.
I had read a preview claiming that this wouldn't really be a family day out, unlike previous Slane gigs, due to the metal heavy line up. However, I saw many families with children enjoying the day, so that theory was rather moot. Aside from that, the crowd was very much a mix of die-hard fans, and those who just fancied the idea of attending Slane to say they were there. Given that Metallica's music is targeting a very specific audience, I'm not sure what these people thought of the actual gig, but I am hoping they enjoyed it.
The fans certainly did. Opening with the title track from their latest album, Hardwired, lead singer, James Hetfield, promised us a mix of old and new stuff, and they didn't disappoint. They played a truly eclectic set list, designed to give an overview of their epic career. As always when they play Ireland, their cover of Whiskey in the Jar was included to roars of appreciation. And Robert Tujillo's version of Wild Rover was definitely one of those "you had to be there" moments!
Other than these Irish epics, the biggest cheers were reserved for the classic material. The Unforgiven, Master of Puppets, and Seek & Destroy, all garnered huge roars of appreciation. Their encore, which included one of their most mainstream songs, Nothing Else Matters, as well as Enter Sandman, was a fitting end to a fabulous gig.
The whole thing was set off nicely by amazing graphics on the screens, and massively impressive pyrotechnics and fireworks. With a lesser band, these may have overshadowed the show, but Metallica have this stadium rock lark down to a tee.
Hopefully they don't leave it so long to come back to Ireland again, although it will be hard for them to top this show.
Set List:
1. Hardwired 2. The Memory Remains 3. Ride the Lightning 4. Whiskey in the Jar (cover) 5. The Unforgiven 6. Now That We're Dead 7. Moth Into Flame 8. Sad but True 9. Halo on Fire (followed by Kirk & Rob's solos incl. The Wild Rover, ManUNkind, & Orion) 10. Frantic 11. One 12. Master of Puppets 13. For Whom the Bell Tolls 14. Creeping Death 15. Seek & Destroy
Encore: 16. Spit Out the Bone 17. Nothing Else Matters 18. Enter Sandman (with 'The Frayed Ends of Sanity' outro)


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(Private) AST-2, VOC 2019
This is a Private AST-2 course for the Varsity Outdoor Club
The foundation of avalanche safety is terrain, and our unique format gets you exploring terrain in 4 alpine locations including the Duffey Lake region, Whistler, Blackcomb and Seymour. Taught by Professional Members of the Canadian Avalanche Association and industry experts, our AST-2 is designed for skiers and boarders seeking adventures that require travel in Challenging or Complex Terrain.
- Private VOC AST-2: $495. + GST based on a minimum group of size of 6 students
Included in Canada West Mountain School AST-2 courses:
4 days of AST-2 course instruction by Professional Members of the CAA
AST-2 Certificate at completion of course
CAA Rite in the Rain Field Book "Decision Making in Avalanche Terrain"
Course student handouts and reference materials
Use of Snow Science kit (thermometer, screen, loupe, etc)
Ongoing free consultation services from Canada West Mountain School
Avalanche Safety Equipment rentals
$40. (optional, Avi gear can be supplied by student)
CWMS Rentals Include: Transceiver, G3 Shovel and G3 Probe for all days of the course
Backcountry lift access fee
$62. x 2 - for two days of Lift Access required on Whistler or Blackcomb(not applicable for students with existing lift passes). Backcountry lift access for two field-days on Whistler/Blackcomb is required for all students and is not included in course fee
PLEASE NOTE: a third day of lift access may be required based on snow and weather conditions affecting other backcountry locations.
Dates for AST-2 VOC Private, conducted over 2 weekends:
March 16-17 and March 23-24, 2019
Please note that the first day of the AST-2 Advanced Avalanche course includes a morning theory session conducted in North Vancouver, BC and may include an afternoon field session conducted on Mt Seymour.
- The Canada West AST-2 Avalanche Skills course is for skiers and boarders who seek out adventures that require travel in Challenging or Complex Terrain. This course is designed to enable students with a solid understanding of Avalanche Safety principles to build on their existing knowledge.
The primary focus will be on a developing and implementing a system for assessing and evaluating potential avalanche slopes in the backcountry in regards to the hazard that they present. This is not meant to be a forecasting course, nor a course that dwells on the scientific collection and recording of snowpack and weather observations. Rather, the course will emphasize the practical collection and analysis of relevant data that an average backcountry skier would be able to use as the basis for making their decisions regarding travel in avalanche terrain.
The instruction is split between classroom Theory sessions and practical Field sessions, which are held at a variety of locations to experience different snowpack's and conditions.
- The first morning class session will start at 08:15 in our Classroom located at #240-400 Brooksbank Ave, North Vancouver (1 block up from MEC), unless other arrangements are made at the time of registration. For the Vancouver-based courses, the Day-1 afternoon field sessions are typically held in the backcountry behind Mount Seymour, though this may change and is dependent on weather and snow conditions.
Whistler-based AST-2 courses will start at the Whistler Village Inn and Suites. only specific course are designated as Whistler-based.
At these class session you will also receive instructions for the specific meeting points for the remaining field days of your course, as these locations will be decided based on current conditions.
Students are reminded to plan to arrive 10-15 minutes early to the course sessions, to allow for traffic delays, poor road conditions, parking, etc. The field sessions will start promptly at the times indicated - latecomers will risk missing the field sessions as once the group has departed there are no options to join them in the field at a later time.Canada West Mountain School main office & classroom
240-400 Brooksbank Ave, North Vancouver (1 block up from MEC)
All Instructors on our AST-2 Avalanche courses are Professional Members of the CAA (Canadian Avalanche Association) and hold Level II Professional Certification with the CAA. Additionally, Canada West Mountain School staff are dedicated educators who are experienced in teaching these skills and conducting well run, professional courses.
All CWMS staff also attend regular Industry training and have advanced 1st aid training, and many of the Instructors in our Avalanche Training program are also professional Guides certified through the ACMG (Association of Canadian Mountain Guides).
Visit Guides and Instructors Page for complete details and background on each of our Guide Team.
- This course is designed to enable students with a solid understanding of Avalanche Safety basic principles to build on their existing knowledge.
The primary focus will be on a developing and implementing a system for assessing and evaluating potential avalanche slopes in the backcountry in regards to the hazard that they present. This is not meant to be a forecasting course, nor a course that dwells on the scientific collection and recording of snowpack and weather observations. Rather, the course will emphasize the practical collection and analysis of relevant data that an average backcountry skier would be able to use as the basis for making their decisions regarding travel in avalanche terrain.
One 5 hour classroom theory session is held on the first day of the course.The afternoon of Day-1 is a short practical field session. The following 3 days are held at held at a variety of locations to experience different snowpack's and conditions. Each field session will be preceded with a 1 hour morning theory session and a 1 hour afternoon follow up class session.Learning outcomes for the Canada West Mountain School AST-2 program:
- - Develop a systematic approach towards evaluating snow stability and hazard which includes collection of weather, snowpack and terrain information.
- - Be able to recognize safe terrain and routes in avalanche terrain, and know methods of avoiding hazardous regions.
- - Understand snow avalanche mechanics, including: correlation of weather to snowpack, layering, effects of temperatures, principles of slab failure, leading causes of instabilities and forces involved in avalanches.
- - Learn methods of observing, collecting and recording information in the field through activities such as: hasty-pits; observations of avalanche activity, wind loading, snow distribution and depth; snow testing; weather observations; and, terrain assessment.
- - To know how and when to perform a variety of shear tests, such as: pole test, compression test, burp, ski cutting, Rutschblock; and, to know how to relate each test to the overall "picture".
- - To be able to perform self-rescue procedures and protocols, including multiple transceiver searches.
Here is a link to the Gear List -Canada West Mountain School Avalanche Course Gear List
You will require an Avalanche Safety kit (avalanche transceiver, collapsible avalanche shovel, and a probe). In addition, everyone needs to be fully prepared for a day out in winter backcountry conditions. Canada West Mountain School has Avalanche Safety Kits available for rent, please book this at time of registration as they are often booked out by the time the course runs.
Proper backcountry touring skis and climbing skins are required for all field sessions; or, a split-board and climbing skins.
Questions about Avalanche Skills Training 2 (AST-2) course
Do I need to bring special gear?
What happens if the weather is not good?
Where are the AST-2 courses conducted?
Review these documents, and bring completed Waiver and Medical Forms to your program:
Canada West Mountain School Medical Disclosure Form - CWMS MEDICAL form
Canada West Mountain School Waiver & Assumption of Risk - CWMS Waiver
Refund and Transfers policies - Refund Policy


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Enjoy an endearingly luxurious look with this sublime cocktail ring. The ring boasts a gorgeous cushion cut blue topaz surrounded by a halo of 24 round cut white sapphires.
blue topaz checkerboard cut, approx. 9ct.
blue topaz 12x12mm (0.47 x 0.47 in.)
24 round cut white sapphires, 2mm ⦰, totalling to 1.3cts
ring top dimension: L. 1.7cm, W. 1.7cm ( L. 0.66 in., W. 0.66 in.)
available in 18k white gold vermeil and 18k white gold
please note that carat weight might slightly vary as each creation is handmade
Pair with the Barcelona topaz and white sapphires studs to complete the glamorous look!


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super saiyan aura sprites
Aura sprites. Super Saiyan Aura I made
Super Saiyan Aura Test After Effects. 0:16. Early Aura Effect, from almost a
Aura sprites. Super Saiyan Aura I made. My first Sprites Sheet EVER!
Dragonball Revival- V2 - Aura Request
I had a little trouble with the big yellow aura on the far right,
goku-gohan i vegeta sprites
Long Hair Base - Ultra Super Saiyan
Super Saiyan Aura Test After Effects. 0:16. Early Aura Effect, from almost a
Going Super Saiyan gives the saiyan a huge power boost along with golden
In sprites such as kaioken and giji ssj, you must have a costant aura on
Note: the sprites are not in the right place, so you should put it right,
way more cocky. His highest form is SSJ2 but he coudl go SSJ3 if he
this pack includes normal and super saiyan Gohan
Special Effects Test with Kent and his own version of a Super Saiyan Aura. Super Saiyan Aura creation not depicted acurately.
Super Saiyan Aura Test After Effects. Super Saiyan Aura Test After Effects. 0:16. Early Aura Effect, from almost a year old.
Super Saiyan? Look, I know that Super Sonic was directly inspired by the
because I wanted to get some suggestions on how to improve my sprites.
aura http://img149.imageshack.us/img149/7659/dibujofbdfpk3.
Super Saiyan Aura I made
Super Saiyan Goku vs Freeza and it will end after the battle with Cell. Super Saiyan 3 Gotenks Sprite Pack!
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January 13, 2018 Update
Good morning. Following yesterday's brutal temperature drops and freezing rain, we accumulated 9+ cm overnight. Our tractors were all dispatched this morning at 6 am, and will be around to clean laneways today. Remember, you can check our live GPS to see tractor locations, as well as click the orange "online dispatch" button should you need assistance. Thanks, and have a great day!
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Stoneham, ME Commercial Real Estate - Office, Warehouses, and Retail Space
Rofo researches and displays commercial real estate listings from top brokerage firms and landlords in Stoneham, ME making it easier to find available commercial space and compare current asking rental rates. In Stoneham, ME there are currently 1 real estate professionals to help you find the right space for you. Filter your search below and get free advice from recommended brokers in Stoneham, ME.
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Cold Brook Trail is for lease in Stoneham, ME.
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314 Horseshoe Pond Rd is a multi-family property for lease in Stoneham, ME. The property currently has 1 multi-family space for lease and is marketed by CBC Corporate.
We invite you to explore this modern home designed by Award Winning Merrill Elam Architects set among the trees with a birds eye view of Horseshoe...
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Management Ownership and Firm Compensation Policy: Evidence from Converting Savings and Loan Associations
Carter, Richard B., Stover, Roger D., Financial Management
The distinction between mutual and stock savings and loan associations has permitted consideration of various facets of the owner-manager conflict. One such facet, expense preference, refers to the tendency of managers to spend more on prequisities than profit-maximizing would dictate. Both theoretical (Deshmukh, Greenbaum, and Thakor [5], Fama and Jensen [8], and Rasmussen [24]) and empirical (Verbrugge and Jahera [27], and Akella and Greenbaum [1]) research suggest the existence of expense preference behavior among mutual savings and loan association (SLA) management when compared with that of stock firms. However, Morck, Shleifer, and Vishny [19] find that the managers of nonfinancial stock firms are not necessarily value-maximizing within a certain range of managerial ownership of the firm. Therefore, the presumed lack of expense preference behavior among stock SLAs may be incorrect for all levels of management ownership.
This study examines a select sample of stock savings and loan associations that have recently converted from mutual ownership as a test of a relatively uncontaminated change in ownership structure on managerial behavior. Such behavior is quantified in terms of employee compensation because of the broad use of that measure in previous studies of financial institutions. (1) The exclusive examination of the compensation of SLAs avoids any interindustry influences. Both Krueger and Summers [14] and Kole [13] have raised questions regarding interindustry effects on traditional measures of managerial behavior, particularly the findings of Morck, Shleifer, and Vishny [19]. To assess differential changes in expense preference behavior for the stock SLAs, employee compensation and certain control variables are examined relative to a matched sample of SLAs remaining mutual in the same market. Further, external factors potentially affecting the level of expense preference such as market concentration (Edwards [7], Hannan and Mavinga [10], James [11], and Verbrugge and Jahera [27]), board of directors' composition (Brickley and James [3], and Morck, Shleifer, and Vishny [19]), and the market for corporate control (James [11]) are explicitly considered.
Our results relating employee compensation, as an example of expense preference behavior, and management ownership are consistent with the Morck, Shleifer and Vishny [19] conclusions concerning overall firm value. We employ a switching regression model which avoids the arbitrary switching points of Morck, et al[19]. Our findings suggest a negative relationship between compensation and management ownership at both low and high levels of ownership with a positive relationship occurring in the middle range. None of the external factors examined altered these conclusions. The conclusions also provide potentially useful information for the regulation of the conversion process. In particular, the results suggest that it may be advantageous to control management's purchase of a converting firm's common stock to avoid the tendency toward expense preference behavior.
The paper progresses as follows. Section I provides a background of the previous research in expense preference behavior and management ownership, with particular reference to stock versus mutual SLAs. The sample and empirical methodology are presented in Section II. Section III contains the results, and Section IV the summary and conclusions.
I. Organizational Form, Expense
Preference Behavior and Ownership
Previous research relating to the mutual form of organization has documented the existence of expense preference behavior on the part of management. (2) In their review of earlier studies of mutual SLAs, Verbrugge and Jahera [27] found that these organizations tended to exhibit higher operating expenses, higher personnel expenditures, lower profitability, and less risky portfolios than comparable stock institutions. Further, they found the expense preference tendency in their study of California SLAs and, separately, in the SLAs in other states. …


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— Nicole Buchanan is leaving Seattle-based non-profit coding bootcamp Ada Developers Academy, where she was executive director. Christine Martin, partner and founder at The Valtas Group, will serve as the interim director. Ada offers an intensive, tuition-fre…
From a laundry folding machine to an automatic pet feeder, here are five gadgets dreamed up to help you banish those boring household chores.
A revamped fitness regime in a healthy space with the latest gadgets, equipment, wearables and clothing may just be what you need to kick-start your 2019.
7 Interesting Alexa Commands Komando What to expect at CES 2019: from smart speakers to intelligent toilets Financial Times All the new Google Assistant products from CES 2019 CNET Amazon-Google rivalry is going to heat up even more during the biggest gadget …
The North Face has taken the wraps off of a new material called Futurelight that it says is the most waterproof, breathable, and eco-friendly fabric ever created. So breathable, in fact, that it reportedly eliminates condensation in a jacket or tent altogethe…
This holiday season it turns out it's not just Santa who knows "who's been naughty or nice." That's because some parents give the gift of high-tech gadgets that can actually track, monitor and record children. Mireya Villarreal reports.
Gadgets: Voice-activated gadgets will dominate CES. Will they sell? – The Australian Financial Review
Voice-activated gadgets will dominate CES. Will they sell? The Australian Financial Review With few standout categories or technologies in 2019, CES is primed to get weird Android Central Ahead of CES, Apple touts 'what happens on your iPhone, stays on your i…
Looking to control your HomeKit-enabled home with your Mac? Here's how! It's hard to not have any smart tech in your home these days. Smart home tech is fairly ubiquitous, and most of us have some form of it in the house. Many of these products also utilize A…
BikeYoke has a host of small gadgets that it's rolled out at the end of the year. Here's a rundown. The post New BikeYoke smart gadgets appeared first on Mountain Bike Review.
Spend a decent amount of time in arcades, and you'll inevitably hear musings about 'playing close to the code'. It's an abstract notion that might not stand up to detailed analysis, but it captures what makes true arcade game forms so compelling. To play clos…


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Being interviewed is a pleasant change from doing the interview, especially when this was done by none other than TJ Walker. So if you want to know more about Indezine, and the way I work, you can hear TJ's special podcast that we feature this week. We also have Sunni Brown, the famous doodler in world talking about her upcoming keynote session at the Presentation Summit later this month. Do read what she says, even if you won't attend the conference! We have a guest column featuring Arnout Drenthel from the Netherlands, who explores 6 Reasons Why Your PowerPoint Presentations (Still) Look Boring.
In the Tutorials section, PowerPoint 2010 users can find out more about the New, Print, Save, Help, and Program options within Backstage view. Finally, do not miss the new press releases and templates of this week.
Read Indezine's PowerPoint and Presenting News.


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ULIP: Your Goal based Savings
ULIP is also popularly known as the goal based savings. It acts like the catalyst to fulfil significant goal projected savings and investment. It could as big or as small as child education, buying luxury goods, sponsoring house pay, etc. These saving options focus on timely and orderly investments. It's an insurance cum investment for better future planning. A policyholder can choose to either pay annually or monthly. A nominal amount is payable to secure one's life insurance plan, so on and so forth. The residual amount is invested in the mutual fund plans.
The capital markets are linearly linked to the ULIP investments and estimated based on the numbers on board.
What is essentially a Unit Linked Insurance Plan?
A well packaged insurance plan which grants the privilege to earn returns from mutual channels too. It provides the risk cover and the opportunity to invest in any number of qualified investments such as stocks, bonds or mutual funds. A balanced mix of risk and reward has been put together to ensure protection part is taken care of, according to specific needs and choices.
Of course, the investments made are in tune with the capital markets, the risk factor is fully borne by the insurance policy holder. The investment needs to be made with the risk appetite and needs borne in mind.
Another important factor would be the future requirement of funds and what proportion to allocate into the unit linked investment options. All purposes can be served with these investment options. Brands like HDFC have a lot to offer with insurance cover and investment avenues. The primary focus being on retirement planning, physical and mental health, child education and marriage purposes.
Which category of investors should choose ULIP?
- The ones who steadily want to check on their investments
Unit linked insurance plans provides the policyholders with the benefit to track their funds vigilantly. One is also allowed to change investment plans as and when required with varying risk-return profiles.
- Individuals with a long term investment projection
ULIPs are well suited to individuals for comparatively longer span of time.
- Individuals that changing risk parameters
Across the varying risk projections, the equity and debt ratio changes any moment. The equity component varies to a large extent from zero to a maximum of 100%.Hence, one can make an intelligent mix of investment funds starting from risk-averse investors to those investors who have a strong risk appetite.
- Investors must lie within all life stages
ULIP (Unit linked investment) provides the flexibility for a set of varied plans depending on the various stages of the investor. This category offers plans depending upon the life stage you are in and the needs and financial pocket at a point.
How is the structure set-up done?
In the Unit Linked Plans (ULIP), the payable premium is put out in the investment funds picked up by you, deducting the allocation charges for managing funds, policy administration and insurance cover from the funds by nullifying a few units.
The exact value is arrived at by dividing the total value of the funds by the number of units.
Advantages of Unit Linked Investment Plans
- Market linked returns
Unit linked investments provide you that chance to be rewarded in return by investment in market linked units. The premiums get translated into market returns, Money is invested in different market instruments i.e. debt and equity instruments in varying degrees.
- Savings, Investment & Life Coverage- All in One
To reiterate, Unit linked plans have a lot to offer. It is a well packaged unit of savings, investment and life cover too. Therefore, there's an opportunity to invest in market plans for higher returns. This type of investment also helps in promoting an improved habit of saving and investing which is critical for wealth accumulation over a longer span of time.
- Flexibility
Unit linked Investments have a wider scope for more flexible offerings. Following can be seen to be distinct as listed:
- The choice to switch between the investment plans to match varying needs.
- There's the facility to back out from the investment funds, subject to changes of all sorts.
- Option to add premium additions to enable additional investment in the ongoing plan (over and above the regular premium) subject to terms and conditions.
Servicing a Unit Linked Investment Plan
- Single Premium
The policy holder is required to pay the entire amount in a shot at the beginning of the policy only.
- Regular Premium over intervals (annually, semi-annually or monthly)
The policyholder has to make payments at pre-decided intervals i.e. annually, semiannually or monthly, depending upon the premium payment tenure.
- of Paying Years
This purely will depend on the policy term that has been booked. Mostly, the policy term and the number of paying years are in perfect sync. Some term policies give the option to choose the number of paying years.
Category of Charges:
In the following way, the different charges can be categorized towards the cost of benefits and administration services:
- Administration charges
A small fee is charged for administrating the individual policy on a monthly basis. Administration charges can be significantly lowered with less number of units and cancelling a few unused ones.
- Fund management charges
This charge is pertaining to the maintenance expenses for meeting overhauling of the fund. This is charged as a percentage of the fund value and is subtracted before arriving at the NAV (Net Asset Value) of the fund.
- Switch charges
Switching between funds made easy now. One can switch often between investments to suit varied whims and fancies. In a year, a fixed number of changes can only be made possible and without any exorbitant charges. With the passage of time, every switch will be charged. These charges are subtracted by cancelling the unused units from the funds picked up by you.
- Surrender charges
This is the charge for prior encashment of chosen units. It is charged as a percentage of the fund corpus and depends on tenure of the policy in the year of surrender.
- Mortality Charges
Mortality is charged on the age, and amount of insurance cover, provided towards providing a death cover to the insured.
- Premium Allocation Charge
This is levied based on the premium received and the years of the policy. A fixed percentage of the premium and usually a higher rate is charged in the initial years of a policy. This switch will eventually be a single or regular premium. Also the size of the premium, premium frequency and payment mode can vary.
- Partial Withdrawal Charges
A big amount is certainly helpful where the fund after the lapse of three years of the policy term and is subjected to predetermined conditions. Also, these withdrawals are subjected to charges as well, as charted in respective policy document.
Switching Options for ULIP Plans
Most funds under ULIP offer the option to switch between funds. This is a great opportunity for many you may want to switch between equity and debt funds, in times when there is market volatility or interest rate fluctuations. At times, changes in your financial standing, liabilities or risk profile may also require that you change your investments accordingly.
Rules for Withdrawals ULIP Plan
Making withdrawals from the fund corpus can be certainly be felt difficult in most cases. One can withdraw money partially after a specific period of time. Again subject to a partial withdrawal charge. The withdrawal amount should be at least the lowest of the minimum prescribed withdrawal amount and the fund corpus must not fall below the minimum fund base.
The full amount of the policy can be withdrawn subject to the surrender charges as prescribed.
The brand new ULIP rules and regulations are improving customer value and perception. It's just an improvisation to bring about changes in the scenario and make things more concrete from the functionality perspective. In the year 2010, IRDA came forward to streamline and introduce down tighter guidelines to in effect transparency in charges and capping of expensive trading per se.
Tax Benefit of ULIP
– Like insurance premiums and tax-saving mutual funds, ULIPs too offer a tax benefit up to Rs 1.5 lakh under Section 80C of Income Tax Act, 1961
– For ULIPs purchased before 01-Apr-12, premium should be less than 20% of sum assured, and less than 10% of the sum assured if purchased after 01-Apr-12
– Minimum lock-in period for ULIP is 5 years v/s 3 years in a tax saving mutual fund. Returns on maturity from ULIPs are tax free as well
– If the ULIP is surrendered before maturity, there are no tax benefits and previously claimed tax benefits will be reversed-


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Giftalove Reviews for Karwachauth Best Sellers
Very cute gift hamper!
This hamper is very cute and nice so I have ordered this for my boyfriend.Giftalove's Customer on 13 Feb 2020, 12:00 AM
Literally a cute gift hamper!
Very cute and sweet gift and is also delivered on time!Giftalove's Customer on 10 Feb 2020, 12:00 AM
Perfect gift!
This gift is indeed a perfect one as it has everything that can make a girl happy and that is why I have ordered this for my girlfriend!Giftalove's Customer on 08 Feb 2020, 12:00 AM
Awesome experience with GiftaLove Team!
I had ordered one "The Joy of Love" gift from Giftalove and was extremely happy to send it to my loved one. I was bit surprised about the delivery and courteous staff who delivered the order with care. They had delivered the gift with punctuality. The gift was 100% similar to that of the product shown on the website. The flowers were fresh and neat. Good care was given to package and delivery. Thanks!ASWIN JENO J G on 29 Jan 2020, 06:26 PMDelivered at: ChennaiOccasion : Thankyou
Just loved it.......
Thank you so much... For delivery such a good quality cake n fresh flowers on my sister anniversary...Shivi test on 29 Jan 2020, 06:24 PMDelivered at: Delhi
Very nice product
The product that was delivered was of very nice quality. Thanks for such amazing product!Giftalove's Customer on 25 Nov 2019, 12:00 AM
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This cake is not only beautiful but also very yummy. I bought this cake for the celebration of my friend and everyone in the party love the cake. It was fresh and lip-smacking. Thank you so much giftalove for best cake. And, once again thank you so much for delivering it on-time !!Giftalove's Customer on 12 Oct 2019, 12:00 AM
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Great service
On time delivery with satisfied servicePradnya Salve on 17 Sep 2019, 10:10 AMDelivered at: MumbaiOccasion : Birthday
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Hey giftalove thank thank so much!! I order it for the birthday of my gf and I took midnight delivery. At the time of placing order, I was little tensioned because it was my first shopping experience with your site. Now, I am very happy because you delivered it as per promise time and everything in the combo was perfect!!Giftalove's Customer on 15 Sep 2019, 12:00 AM
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Quick and fast
Delivery right before schedule, Quick and fastDON DSOUZA on 11 Sep 2019, 04:49 PMDelivered at: MangaloreOccasion : Birthday
Timely delivery, good experienceTapas kumar Mandal on 10 Sep 2019, 09:47 AMDelivered at: DelhiOccasion : Birthday
Very nice and innovative!
This is one of the best gifts I have ordered till now. The teddy bear was also of good quality and so were the flowers. I love this hamper. My wife wife loves this a lot! Thanks to you and your team for such a gift!Giftalove's Customer on 10 Sep 2019, 12:00 AM
Very nice
Very niceApoorvarohan,Ankitatul,Poojavnish,Preetiashish on 09 Sep 2019, 03:47 PMDelivered at: LucknowOccasion : Birthday
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The quality of the product and was delivered in a quick timeRO on 03 Sep 2019, 09:14 AMDelivered at: MumbaiOccasion : Sorry
Worth the money!!
It was timely - delivered as promised -flowers were fresh itseems !! thanks !! I will come back and strongly recommend!Arafath on 02 Sep 2019, 12:04 PMDelivered at: ChennaiOccasion : Congratulations
Very nice product quality!
I just love this product. The plant received was in good quality and id fresh. Also, the packaging was up to the mark. Overall, satisfied with the order!Giftalove's Customer on 25 Aug 2019, 12:00 AM


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LE Has Been Released!
Finally the new Limited Edition has been released!
And here we go...
Well what can I say? It's not too bad is it? I personally prefer the outfits on the second floor better than the ones on the first. And yes, there are only two floors to this edition. I think it's for the best really because I always thought that having more than two floors is a little bit too much, and you end up losing track of all the items in the release.
Did you get a chance to buy anything?
What are your favourites in this collection?
What do you think?
Megzio98 ♡


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News Ticker
Iranian president Hassan Rouhani says the country will not abandon its nuclear rights, including uranium enrichment, a day after a fresh round of talks with world powers.
"There are red lines that must not be crossed," Mr Rouhani told the conservative-dominated parliament in remarks quoted by the ISNA news agency on Sunday.
"The rights of the Iranian nation and our national interests are a red line. So are nuclear rights under the framework of international regulations, which include enrichment on Iranian soil."
His remarks came a day after intensive negotiations with world powers - despite making progress - failed to produce a long-elusive deal that would curb Iran's nuclear activities in exchange for sanctions relief.
Hopes had soared after top world diplomats rushed to Geneva to join the talks, but then faded as cracks began to appear among world powers when France raised concerns reportedly over the heavy water reactor being built at Arak.
The P5+1 group in the talks - Britain, China, France, Russia and the United States plus Germany - suspects that Iran's atomic ambitions are aimed at developing nuclear weapons, despite repeated denials from Iran.
At least a year away from becoming operational, the Arak facility would theoretically provide Iran with a second route to an atomic bomb by producing plutonium as a by-product.
Iran says it has no intention of extracting plutonium from Arak's irradiated fuel, while its chief negotiator and foreign minister Mohammad Javad Zarif did not rule out further talks in Geneva over the issue.
"The heavy water [project] is after all part of Iran's nuclear program, and we are supposed to discuss it," Mr Zarif told Iranian journalists in Geneva when asked about the Arak reactor, ISNA reported.
"We insist on our [nuclear] rights and technology but at the same time we are prepared to remove concerns of the other parties," he said, adding that Iran "does not want anyone to think we seek weapons through enrichment or the heavy water" facility.
In Tehran, meanwhile, Mr Rouhani asked for the backing of parliament as his negotiators prepare for a new round of talks scheduled in Geneva for November 20.


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Heathcote cricket just weeks awayBy Andrew Johnston
HEATHCOTE will begin its Northern United Cricket Association season on October 12 on the road against Colbinabbin.
The Saints missed the finals in the 2018-19 season, just 12 months after a stunning late season run saw them claim the competition's premiership in 2017-18.
This season the Saints will be on the hunt for a top four finish in the six-team competition, as they look to make a premiership stand.
The team will play its opening home game on October 19 when they take on Bagshot at Barrack Reserve.
The team will play through until December 21, before briefly breaking for Christmas.
Action resumes on January 11, with the final round of regular season play seeing the Saints face Goornong at Barrack Reserve on February 8.
Play will continue in the competition until the grand final on February 29.


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Thomas da Luz Duque will join and assume leadership over the digital branch of Mediaplus (Serviceplan Group). He started his carrier in 2011 at Superdry Europe after which he switched to Ogilvy & Social Lab in 2014. In 2017, he became head of the digital department at 20Something. He will be supported bij Mélanie Morales Morales (also ex 20 Something) who will fulfill the role of Digital Operations Expert. With this we ensure the successful conclusion of our digital campaigns.
By engaging these 2 new profiles we want to show our desire to bring in expertise on marketing aimed at millennials as well as stay on top of new trend regarding media integration.


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the Policlinic Leptir students presented project "Thyroid Gland 2"
On Monday, May 25, 2014 Leptir Polyclinic hosted the School for Nursing
Vrapče, School of Contemporary Dance Ane Maletic and the School for Nursing
Mlinarska on the occasion of the World Day of thyroid disease.
The meeting began with a pleasant welcome for students and mentors
associates in project. In the Lecture Hall students presented their project
''Štitnjača 2'' ("Thyroid Gland 2")to the guests and employees of the Polyclinic
Leptir. After that students had the opportunity to listen a lecture on new
products for compensation of iodine in the body.
At the end oft he students exchange, students and their mentors
agreed on the further course of collecting data using questionnaires and a new
meeting to be held in september, at the beginning of the school year 2014./2015.
Natalija Šnidarić


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Kenosha community holds vigil for children killed over weekend
A community is trying to heal after police say a mother killed her two young children.
Police found the children drugged and suffocated in their home over the weekend.
Their mother, Lucia Hernandez-Alvarez, is in jail on a $5 million cash bond.
Monday night, people went to pray for the intercession of the Blessed Virgin Mary on behalf of the family.
A family friend said it's difficult to understand what happened.
Rosalinda Gutierrez led family, friends, and strangers in prayers as a community mourned the murders of 1-year-old Javier and 3-year-old Alicia Hernandez.
"I appreciate all these people who are here to support us with this tragedy," Gutierrez said.
Gutierrez said called herself a close family friend struggling to understand why the toddlers' mother is now accused of killing her little boy and girl.
"Yeah, it's hard. It's hard, you know, to understand what happened, but nobody can judge, only God," Gutierrez said.
She said family and friends will continue to hold vigil until the children's bodies are returned by police.
"Well, now, I guess they take it day by day, and wait right now to do the funeral for the kids," Gutierrez said.
Gutierrez said there's one thing everyone can continue to do.
"To pray for the family," Gutierrez said.
The family is asking for help to cover the cost of the funerals. If anyone would like to donate, they have a GoFundMe page.


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Contact Us
Tuan Le, B. Comm
Phone 613-562-2010 ext. 223
Upon graduation from the University of Ottawa with a Bachelor of Administration, Tuan joined the CGA program and is now entering his fifth level. Tuan also intends to obtain his CA designation in due course. Before joining OHCD, Tuan held senior finance positions with private and not for profit organizations. Tuan's work includes audit, review and compilation engagements, controllership services and corporate and personal tax preparation. Tuan also served as Treasurer for a local church. When not engaged in his work and studies, Tuan can be found biking or living dangerously on local ski hills with his wife and three children.


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With anticipation building for the television premiere of the annual Victoria's Secret fashion show, ESSENCE has a first-look at what you can expect before you tune-in.
VS beauties Jasmine Tookes, Iesha Hodges and Cheyenne Maya Carty took a quick pause to chat with ESSENCE just before they hit the stage for the big show.
A California native, Tookes is a seasoned VS Angel and has modeled around the world for a range of major brands including Burberry, Moschino, Balmain, Marc Jacobs and Louis Vuitton. She's also one of three Black models to have worn the million-dollar Victoria's Secret Fantasy Bra. Speaking on her years of modeling as a VS Angel, Tookes had inspiring words to offer.
"Growing up I looked up to Tyra Banks, and if she can do it, I can do it," she told ESSENCE. "This is good for young girls to see."
Jasmine Tookes models in the 2018 Victoria's Secret Fashion Show (Photo by Axelle/Bauer-Griffin/FilmMagic)
Hodges hails from Brooklyn, New York and although she's modeled for global brands like Oscar de la Renta, Christian Cowan and Miu Miu and has been one of the few Black models to appear in a Miu Miu advertising campaign,she admits to being a bit of a tomboy growing up with no interest in fashion.
"To be from Brooklyn and to look like this, it blows my mind. It doesn't feel real. Anything is possible… it's the right time," she said of her first VS experience.
Iesha Hodges makes her debut in the 2018 Victoria's Secret Fashion Show. (Photo by Dimitrios Kambouris/Getty Images for Victoria's Secret)
British-born Carty literally skated her way to success, having been discovered four years ago while roller skating with family and friends in London's Victoria Park. Reflecting on making her debut for VS, Carty describes the experience as something of a dream.
"Being hand-picked for the show has been completely overwhelming," she said. "It's been like a dream come true."
Cheyenne Maya Carty celebrates her debut on the 2018 Victoria's Secret Fashion Show runway. (Photo by Noam Galai/Getty Images)
Tonight, the world will see Carty and Hodges make their Victoria's Secret fashion show debut, while Tookes will take the lead as the runway veteran. Watch all of our exclusive 'My Fashion Story' videos to find out more about Tookes, Hodges and Carty, and their journeys through the fashion world.
Stay tuned on ESSENCE.com for more exclusive Victoria's Secret fashion show coverage, including a recap of the big show airing today at 10:00 PM (ET), on ABC.


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Get Well Flowers
|Coastal Carolina Hospital
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|(843) 784-8000
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|(843) 815-5599
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|350 Fording Island Road, Suite 200 Bluffton, SC. 29910
|(843) 757-0123
|Adult Day Care Of Ridgeland
|Po Box 459 Ridgeland, SC. 29936
|(843) 726-6077
|Low Country General Hospital
|Po Box 400 Ridgeland, SC. 29936
|(843) 717-3300
|Ridgeland Nursing Ctr
|Po Box 1570 Ridgeland, SC. 29936
|(843) 726-5581
Let COASTAL FLORIST of Hardeeville, SC help you send get well wishes to your friend or loved one. Show them how much you care with a floral arrangement or customized get well gift. A basket filled with snacks, bath products, unique jewelry and accessories, or a favorite stuffed animal is a great and easy way to cheer up a loved one. Top off your personalized gift with a fun balloon bouquet. Wanting something a little more traditional? There is no better or more simple way to remind someone that you're thinking of them than with get well flowers. Place your order online or call to customize a gift for that special someone. Let us be the ones to help you wish a loved one "get well soon."


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Alexander McQueen - Fall 2013
I always fall for masks on collections; there's a very particular feeling I get when I see how designers compliment their outfits with masks. The transparent masks in this collection make me think of the models as if they were some sort of human flasks, like if everything was contained in that thin layer of transparent plastic. The prints were fantastic, the details are very entertaining to analyze. One of my favorite collections so far.


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Yesterday we began to shift our focus outward from the local system. Today we will continue this shift by installing Firefox and modifying some of its settings. Browser security and privacy settings play a big role in how easily websites can track you. Firefox gives you the maximum flexibility to control these settings to your benefit. It also has one other huge benefit that other browsers do not, and we will discuss this tomorrow.
Adjust Firefox Settings for Security
Difficulty: Easy
Active Time: 10 Minutes
What it Protects You From: Online tracking
The first step in this process is to download Firefox if you do not already use it. Next, install the program on your computer. Once it is up and running, open "Preferences". To access Preferences click on the "hamburger icon" in the upper left of the interface. The Preferences menu will have eight tabs listed down the left-hand side of your screen. This tutorial will go through the ones that make the biggest impact to security and privacy.
Firefox General Settings
There are a couple of important settings under the General tab. The first is to ensure that Firefox always checks to see if it is the default browser. The default browser is the one that will be opened when you click a link, so the default should be your most private and secure browser. Next, select your default file download location. I recommend choosing an encrypted location. If your entire hard drive is encrypted this is less important, but you should still choose your location carefully. My default download location is a large VeraCrypt volume.
Firefox Search Settings
Use a search engine that doesn't track you. Change the default to DuckDuckGo.
Firefox Privacy Settings
This is where most of the real work will happen to increase browser security and privacy. First, under Tracking, uncheck the box labeled "Request that sites not track you". Though checking this box would allow Firefox to send a Do Not Track request to websites, the sites you visit have no obligation to honor this request. I do NOT recommend that you leave the Tracking Protection box checked.
Next, go to the History section. The changes made here are incredibly important. After modifying these settings, Firefox will not save anything between browsing sessions. This makes it much more difficult for sites to track your browsing behavior, and minimizes the browsing history that is stored locally on your computer. Under "Firefox will:" drop-down, select "Use custom settings for history". This will allow you to choose exactly what Firefox "remembers" or purges when you close it. Choose the settings that mirror those shown in the image below.
Finally, click the "Settings" outlined in red in the above image. This will open an additional dialogue allowing you to choose specific items to be purged when you close Firefox. I recommend that you check all of these options as shown below.
Firefox Security Settings
Set up these settings to mirror the image shown below. Ensure to check "Warn me when sites attempt to install add-ons" (add-ons will be discussed tomorrow). Uncheck both "Block reported attack sites" and "Block reported web forgeries". Both of these protections require that your browsing data be available to Mozilla for review. I do not feel that this is in the best interest of your privacy.
Next, uncheck "Remember logins for sites" and "Use a master password". Because we now use a password manager it is unnecessary for Firefox (or any other browser) to remember our logins. Firefox does not store this information securely. If you have used this feature in the past you may wish to click "Saved Logins" button. This will allow you to view these logins and migrate them into your password manager. Once you have done so, delete all of them from Firefox.
Firefox Advanced Settings
Under the Advanced settings, click the "Data Choices" tab. Each of the three options under this tab allow data to be shared with Mozilla. To be fair, I trust Mozilla as much as I trust any internet service or product (read: I'm still as careful as I can be). I recommend that you uncheck all three options here.
Today you have taken huge steps to increase your internet browser security and privacy. Over the next two days we will take some additional steps to increase this even further, making you much more secure and private online.