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Although the end of my clinical day marks the end of seeing patients, it does not mark the end of my learning process. A trip to the mailbox nightly usually reveals 2 to 3 CME opportunities via magazine subscription or flyers announcing conferences. As a new graduate, it can be difficult to wade through the different opportunities available.
The Journal for the American Academy of Physician Assistants, or JAAPA, as it is better known, is one of the most reliable, steady subscriptions to arrive in my mailbox. JAAPA CME is available through various articles with a breadth of different topics in medicine, from clinical case reviews, to guideline updates that helps me stay current and educated on things I see routinely in practice and some of the more rarer entities I do not directly see.
Today, we will review the JAAPA magazines CME process as well as some recent examples of JAAPA Post Tests.
Membership to the Journal of the American Academy of Physician Assistants
The magazine is published on a monthly basis and delivered to subscribers. A membership in the American Academy of Physician Assistants (AAPA) is all one needs in order to get the JAAPA monthly. One of the perks about the magazine, in my opinion, is that the service offers multiple different articles and case reports every month, all with different backgrounds, from emergency medicine, specialty, and primary care and beyond.
An additional feature that is well put together includes rapid overviews as part of their "quick recertification series", which is a high level, quick reading overview of a topic.
Despite the excellent clinical content and case reports, on some days when I have seen numerous patients and am feeling an element of burnout, JAAPA also offers other topics that are not directly related to clinical patient care.
For example, in the February 2019 issue, there was an article about the FDA and an article regarding "Associations between professional development benefits and PA career satisfaction". Each month, there is usually an article regarding PA legislation, or an article that focuses on an aspect of the professional/developmental side of the physician assistant profession.
What the Journal of the American Academy of Physician Assistants is probably most known for is their CME sections and CME post tests. This consists of two dedicated articles throughout each particular subscription that focuses on a topic with a follow up Post Test to assess the reader's understanding of the material.
In their most recent publishing, JAAPA explored two very different topics, "Cervical spine clearance in adult trauma patients" and "Recognizing, diagnosing, and treating pediatric generalized anxiety disorder". The format of the articles begins by including an abstract summarizing the scope of the article and keywords used throughout. Following this, an introduction to the disorder or topic, prevalence, risk factors, clinical presentation, differential diagnosis, treatments, outlook, and a conclusion to reign in the key points.
The articles are typically between 3 to 5 pages in length and may vary based on the topic. Across the pages include helpful bolded lettering to help the reader prepare for the post test and tables with data, screening tools, or questionnaires to be used with patients. The authors usually are from physician assistant programs throughout the country, or practicing PAs or physicians.
CME Post Test
After review and reading the article, the CME Post Test is immediately listed for rapid review. As discussed above, each issue has two articles, each of which will eventually have 5 clinical review questions for the reader to complete, for a total of 10 questions. The service does an excellent job of making the questions hone in on the key points that are addressed in the article. Whether the reader chooses to review the questions before or after reading, is up to the reader. Referring back to the articles to review is very easy and questions are straightforward, yet still cover the salient points.
Once the questions have been reviewed and completed, the reader must log on to the AAPA Learning Central website in which the post test can be formally completed online. The Post Test must be passed with at least a 70% to earn the 1 hour of Category 1 CME. The website is easy to navigate and a certificate is immediately completed that allows the reader to easily import to their NCCPA account to formally log the CME.
In my opinion, the JAAPA articles and Post Tests are a great way to earn CME. As a practicing family medicine and urgent care provider, I find that each month there is one article that covers a topic I see almost daily and one that I see rarely.
This is helpful to help me improve my skills at one of the more common presentations in my practice, but also covers a topic I may not routinely see which allows me not to lose information I obtained during PA school. The articles are well written, clinically relevant, and the post tests are easy to navigate, allowing me to log my CME in a timely fashion, sometimes even between patients in the office.
Overall, I find that the JAAPA publication is a very good resource overall for physician assistants to routinely accrue CME that allows us to stay current on changing guidelines, both in our practice as well as some of the pertinent legislation and career influencing pieces that are published. A membership assures an opportunity for monthly CME to improve patient care.
American Academy of Physician Assistants website.
February 2019 JAAPA article.


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To: All staff and students
Turnitin is an originality checking tool on students works for proper citation or potential plagiarism running on remote servers provided by Turnitin Company.
There will be a planned maintenance of the Turnitin system in the following period during which all access to Turnitin by teachers and students from the central Moodle system will be suspended:
Date and Time: 5 March, 2016 (Saturday) 23:00 to 6 March, 2016 (Sunday) 03:00
Teachers are encouraged to modify assignment due dates, e.g. several hours after the scheduled maintenance window. Otherwise students would not be able to submit the assignment successfully during the maintenance period. For any enquiries, please send email to eLearningTeam @ hku.hk.
Thank you for your attention and we are sorry for any inconvenience that may cause you.
C.P. Lau
eLearning Team
Information Technology Services

subset: commoncrawl


text:
LONDON — Barclays' security chief is facing an internal investigation over his role in the bank's whistleblowing case, according to a report on the BBC website.
BBC reported that Troels Oerting, the bank's chief security officer and head of information security, was asked by CEO Jes Staley to identify the writer of two anonymous letters about a senior executive hired by Staley.
Oerting, a former senior cybercrime and counter-terrorist director at Europol, contacted US agencies to help him find the source of the letters, according to the report.
"Having been given a copy of the first letter and made aware of the second, Mr. Staley initially requested that the Group Information Security (GIS) team attempt to identify the authors of the letters. Mr Staley considered that the letters were an unfair personal attack on the senior employee."
"Mr. Staley requested that GIS attempt to identify the author of the first letter following which GIS contacted and received assistance from a US law enforcement agency in identifying its author. Mr. Staley was subsequently informed of this and the results from the steps that GIS had taken.
"However, ultimately this attempt by GIS was unsuccessful in identifying the author and no further steps were taken to do so after that."
Both Jes Staley and Barclays are the subject of investigations by the UK's Financial Conduct Authority and Prudential Regulation Authority over the affair, which is being treated as a whistleblowing incident.
After hearing about the incident earlier this year, the board a law firm, Simmons & Simmons, to investigate.
Staley said in a statement: "I have apologised to the Barclays Board, and accepted its conclusion that my personal actions in this matter were errors on my part. I will also accept whatever sanction it deems appropriate."
The board issued a "formal written reprimand" to Staley and will make "a very significant compensation adjustment" to his bonus.
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text: Merriam-Webster dictionary defines Motivation as "a force or influence that causes someone to do something". However, the power of motivation and its ability to be sustained is much more complex and slightly different for each individual. Sustainable motivation is one of the greatest factors in one's ability to achieve a goal or complete a task.Continue reading "Sustainable Motivation and the Power of Passion"


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How To Get a Divorce?
Making the decision to divorce is the most important step in any divorce. It is serious and means that you are ready to end your marriage. This decision can often be clear, while other times not. Although the legal process can be stopped, engaging it can lead to a myriad of charged emotions, broken trust, and other problems. Thus, it is very important that you don't start the divorce process until you are absolutely sure that you want to end your marriage.
If you have decided to initiate the legal divorce process (also referred to as a dissolution of marriage), it is important to have a clear understanding of the process. It is highly recommended that individuals seek the guidance of a licensed family attorney to help them through the process. There are times, though, when the Plaintiff, Respondent or both parties will elect to represent themselves in the divorce process. When this happens, it is referred to as "pro se" or "in pro persona".
Family Laws and Procedures are highly complex. Divorce is also usually a highly charged and emotional process…one that can interfere with an individual's ability to think clearly and maintain their composure. When an individual chooses to represent themselves, it is important to understand that the court will typically not provide any breaks or latitude for not understanding or applying the laws and procedures. Thus, if you miss a deadline to file an important document, miss an opportunity to object, don't respond to an interrogatory or request for disclosure…the court will most likely not provide you with a second chance and in situations where it disrupts process or creates avoidable issues, may find the individual in contempt.
Also Watch:
Although there are similar steps, processes, procedures and laws in the United States, in most circumstances, the laws of your state will be those you are subject to. That said, the following reflects steps commonly associated with the divorce process:
6. Discovery
The parties in the divorce will also have the opportunity to settle their issues, which when possible, is the preferred direction to pursue. Courts encourage parties to settle their difference as they are personal matters and each marriage is different. If settlement isn't reached, the parties are subjected to a judge, who doesn't know the parties, to apply the laws in the manner they feel is best and consistent with laws and procedures. When this happens, the chances of both parties feeling angry, aggravated, and defeated increase substantially. Settling the issues is also recommended as it can save time and money…which will likely be much and expensive…if settlement can't be reached.
Steps involved in the divorce process
The final step in a divorce is the judgment of dissolution and is generally obtained by:
1. True Default (this occurs when a Petition is filed, the other party doesn't respond, there is no signed agreement between the parties, and the court is asked to finalize the divorce).
2. Default with Agreement (this occurs when the parties execute a written document detailing the divorce agreements and ask the court to enter the judgment based upon that agreement).
3. Uncontested (this is where the response/answer is filed and both parties execute a written agreement).
4. Court Hearing (this occurs when the court is asked to make orders in the case and then enters judgment based upon those orders).
Once the court has its direction, the divorce becomes final when the judge signs the judgment and notice of the entry of the judgment is executed and filed by the court.
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Want to have a happier, healthier marriage?
If you feel disconnected or frustrated about the state of your marriage but want to avoid separation and/or divorce, the marriage.com course meant for married couples is an excellent resource to help you overcome the most challenging aspects of being married.


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Jason Bradley Sentenced for Role in Conspiring to Import Drugs from China
Charlottesville, VIRGINIA – United States Attorney Thomas T. Cullen announced today that Jason Bradley, 40, an American citizen who previously lived in Thailand and conspired with others to ship large amounts of controlled substance analogues (also known as "bath salts") from China into the United States for further distribution, has been sentenced to 262 months in prison. Bradley was also ordered to forfeit $464, 875 to the United States.
"These dangerous and highly addictive substances destroy lives," U.S. Attorney Cullen stated today. "When defendants import controlled-substance analogues into our country and feed the addiction of others, we will hold them accountable."
In July 2017, a jury convicted Bradley of four crimes: conspiracy to distribute controlled substance analogues and controlled substances, conspiracy to import drugs, conspiracy to commit money laundering and conspiracy to commit international money laundering. Co-conspirators Deborah Ryba, Ryan Buchanan, and Robert Schroeder all previously pleaded guilty and each was sentenced for their roles in the conspiracy. Co-defendants Edward Taylor and Nayna Taylor went to trial, were convicted, and have likewise been sentenced.
During trial, evidence showed Bradley was responsible for shipping over 100 kilograms of controlled substances and bath salts to co-conspirators in the United States for redistribution and resale. In order to hide the drugs during shipping, Bradley smuggled the substances inside consumer products such as cosmetic fingernail drying lamps, toys, rice cookers and zipper pouches.
Upon arrival in the United States, the drugs were removed from their hiding places by other members of the conspiracy who were operating an Illinois-based company called "Modern Day Prophets," and placed into thousands of smaller packets for redistribution throughout the United States. These smaller packets were falsely labeled as "Hookah Cleaner" and sold in bulk to head shops, gas stations and other similar businesses for resale to drug users.
It was shown that drugs from the conspiracy were distributed in Virginia, California, New York, Pennsylvania, Illinois, Indiana, Texas, Florida, North Carolina, South Carolina and Oregon. Evidence presented at trial also showed that Bradley's drug trafficking organization had been a source of drugs for some of the drug dealers arrested in Operation Log Jam, a 2012 DEA nationwide federal crackdown on synthetic drug dealers.
The investigation of the case was conducted by the Drug Enforcement Administration (DEA), the Internal Revenue Service (IRS), the Department of Homeland Security (DHS), the Federal Bureau of Investigation (FBI), United States Postal Inspection Service (USPIS), Virginia State Police, the RUSH Drug Task Force, Michigan State Police, Shenandoah County Sheriff's Office, and the Burlington Police Department in North Carolina, with valuable assistance from the U.S. Department of State, the U.S. Marshals Service, the Hong Kong Customs. Assistant United States Attorney Grayson A. Hoffman and Special Assistant United States Attorney Kari Munro prosecuted the case for the United States.


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Loaded with pecans, this southern classic will make you beg for seconds. Happy Thanksgiving
Tag Archives: Pastry
Mini Kurtosh Colac – Kürtös Kalács
Kürtös Kalács is a traditional Hungarian pastry that is hollow– the pastry is baked on wooden spit, rolled slowly on an open fire until golden brown.
Nanimo Bars
Nanaimo bars are perfect for summer time sweet cravings; no bake desserts equals cool kitchens!


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🌊Check out these OCEAN & beach VIEWS! ⛱
Amazing Ocean Views from this Pismo Beach home for sale!🌊 COASTAL ACCESS TO THE BEACH! 👙⛱🌞 PISMO BEACH California 🌞🐳Watch whales and dolphins from your living room & front balcony! 🐬🛏 • 4 Bedrooms🚽 • 4 Bathrooms🚙 • Lots of room for parking 🐶 • Private back yard💡 • All the charm from the early 1930🛋 • Living room and Sitting area upstairs😲 • Oversized TWO R2 – 4050 sq ft lots (with option to purchase an additional 4050 sq ft lot)🚶🏽♂ • Walking Distance to shopping and restaurants🏞 • Easy Freeway Access, Close to Parks and OCEAN⛱ • Did we mention it has COASTAL ACCESS TO THE BEACH?? 👙🥘 • 77 restaurants within 5 miles⛳ • 8 Golf courses within 10 miles🌳 • 5 Parks within 10 miles📞 • Call for your private viewing today!For MORE info click here: https://bit.ly/2EeQHJcPlease comment, LIKE 👍and SHARE 🤗with anyone you know that might be looking to buy or sell on the CENTRAL COAST!Kim Renshaw | Realtor📞 805-440-9134📧 firstname.lastname@example.com🖥 KimRenshaw.comPatterson RealtyLic#1460194
Posted by Kim Renshaw – Central Coast Homes on Friday, December 28, 2018
Handsome 1930's Spanish 4Bed/4Bath home w/charming details & 2 car garage. This home is situated on a double lot totaling 8,100 sq ft!
Fantastic wave and beach views where breaching whales & frolicking dolphins can be seen.
Summer sunset view of the green flash can be seen from the balcony. Watch the changing moods & colors of the ocean from the large upstairs living area. Beach view allows you to witness the changing of the tides & people on the beach.
Across the street is a pedestrian "Ocean Access" easement which allows quick access to the public stairway allowing you to enjoy digging your toes in the sand and exploring the nearby sea caves.
Call for your private viewing today!


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Car News
Car News
Car Videos
Car Games
Car Pictures
Toyota car reviews
Toyota news
Toyota Yaris facelift photo gallery
Toyota Yaris facelift picture
Toyota Yaris facelift 2014 wallpaper
Toyota reveals the Yaris facelift for the US. It is exactly like the European version. ... View
2014 Toyota Yaris facelift specs
Buick Enclave
Buick Enclave was introduced only 9 year ago, in 2008.
Ford F-250 XLT Super Duty
One model of Ford F-250 XLT just received an upgrade from TOPO of TS DESIGN. The model in discussion has been shown at SEMA Motor Show last year.
Audi A8 L Chauffeur
Audi introduced the A8 L Chauffeur edition. It will be limited to five units.
McLaren P1 by MSO
MSO upgrades another P1. It belongs to David Kyte.
Mercedes-Benz S63 AMG Coupe
Mansory upgrades the Mercedes-Benz S63 AMG Coupe. It is faster than ever.
Renault KWID
Renault reveals the KWID. It has a big body with a small heart.
300PS MINI JCW by Krumm-Performance
Krumm-Performance upgrades the MINI JCW. The engine and the inside have received considerable updates.
Lamborghini Huracan by VOS
VOS upgrades the Lamborghini Huracan. The entry-level gets a lot of goodies.
Cars pictures
Toyota Yaris
Toyota Yaris Hybrid
Toyota Sai
Toyota Yaris SR
Toyota Yaris Hybrid-R gets detailed
Toyota Yaris Hybrid-R Concept
Toyota Verso S facelift
Toyota Yaris 2007 model
Buick Enclave
Ford F-250 XLT Super Duty
Audi A8 L Chauffeur
McLaren P1 by MSO
Mercedes-Benz S63 AMG Coupe
Renault KWID


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Have you ever tried Indian style scrambled eggs? This is a recipe you will fall in love with. It can be made quickly and easily any time you feel hungry. It's made of scrambled eggs cooked in the bhuna masala of onions and tomatoes. So here it is, a Mumbai style, tasty and spicy Egg Bhurji.
Equipment and Utensils
Nonstick frying pan with the lid
Flat wooden or metal spoon
Large bowl
4 Eggs cracked and whisked with pinch of salt and pepper
120 grams (2 medium) Onions finely chopped
125 grams (2 medium) Tomatoes finely chopped
2 Green Chilies chopped
1 teaspoon Mustard Seeds
½ teaspoon Turmeric Powder
1¾ teaspoon Kashmiri Red Chilly Powder
½ teaspoon Garam Masala Powder
1 teaspoon Salt
1 tablespoon Vegetable Oil
Put oil in a pan and keep it on medium flame.
When oil is hot, add mustard seeds, green chilies and turmeric powder.
After spluttering of mustard seeds, add onions.
Fry onions till they turn brown. It will take 6-7 minutes.
Now add tomatoes and fry for 3-4 minutes until a nice gravy is formed.
Fry for 1-2 minutes, till oil is released from the gravy.
Now add red chili powder, salt and eggs.
Eggs should be fried continually till they get scrambled and absorb the flavors of gravy.
This will take 2-3 minutes.
Now sprinkle some garam masala, check for seasoning.
Egg Bhurji is ready to serve.
Preparation Time: 8 minutes
Cooking Time: 16 minutes
Number of Servings: 2
Nutritional Information
Total Calories: 536.29 Kcal
Fat: 41.96 gm
Protein: 29.19 gm
Carbohydrates: 17.85 gm
Calcium: 236.58 mg


text:
Tour This Home
This property is unavailable for tours on that date. Please select another date.
Just steps from the Upper Provo River is the perfect place to build your dream home. Situated on a Cul-De-Sac with panoramic views of rock cliffs, the Uinta Mountains, and ski runs. Amenities include a Rees Jones designed 18-hole championship golf course ranked among Utah's best, fly fishing, mountain biking trails, 5-stand shooting, fishing ponds, a restaurant and lounge, a ski-in/ski-out lodge in the heart of Park City and more than 4,000 acres of untouched backcountry. The Freestone Lodge offers riverside dining and bar, The Post with swimming pool, hot tub, Outfitter's Center, Fitness Facility, and The Barn featuring a 75-foot swimming pool with a hot tub and winding water slide, surrounded by a stream, pond, great lawn, bocce ball court, paddle tennis pavilion, a modern spa, pizzeria, arts & crafts center, and half-court basketball gym.
Listed by:
Summit Sotheby's - Park Ave


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Arthur C Clarke, Baltimore Bugle-Dispatch, Doug Dorst, Eric Husch, February 3, Jen Heyward, JJ Abrams, Tiny Moons Circling Earth Proposed, V.M. Straka, VM Straka, William S Barton, Wireless World
On the Jen Heward Tumblr blog, we find a copy in the canon of "S" referred to in Fn1, p259 used to solve the Chapter 7 cipher (see Fn5 and Jen's marginalia on p263). Here is a helpful transcript (thanks @CFish6) if you would like to read the obituary.
The obituary is clearly a copy from the original newspaper. The column is oriented at 90-degrees from the newspaper's title and the obituary likely was not on the front page. Something that was on the front page has been cut from view. However, if you look closely, you can discern the title of the lead story in the paper.
Tiny 'Moons' Circling Earth Proposed
The original article, written by William S. Barton, originated in the Los Angeles Times on February 3, 1946 as…
Tiny 'Moons' Circling Earth Proposed
as Long Distance Broadcasting Aid
The topic of this article is, in essence, the birth of the idea of launching satellites into space to allow the interrupted international broadcast of television, telephone, and telegraph communications. This article uncovered its ideas from another article, written a few months earlier by none other than Arthur C. Clarke for the magazine Wireless World.


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PCA-LA 2019 Concours VOLUNTEER Sign-up
PCA - Los Angeles
Registration closed September 10, 2019 6:59 AM on September 10, 2019 6:59 AM PDT Registration ends September 10, 2019 6:59 AM on September 10, 2019 6:59 AM PDT Registration opens August 12, 2019 12:00 PM on August 12, 2019 12:00 PM PDT Registration runs from August 12, 2019 12:00 PM to September 10, 2019 6:59 AM
Are you a Zone 8 Certified Concours judge?
Your help is especially needed — don't use this form, email us at email@example.com
PCA-LA depends on volunteers to make our events a fun time for all of our members; never more so than our annual Concours d'Elegance. For this event we will need volunteers for a few hours on Sunday, Sept 15th.
We need volunteers for the following postions:
- pack goody bags
- assist with load-in (including a volunteer with a truck/minivan to help us move stuff from storage to the Petersen
- set-up
- competitor and display car coordination
- traffic coordination
- merchandise sales
- registration and raffle sales
- membership outreach
- assist with strike and load-out (including a need for truck/minivan)
- general assistance and lunch relief
Click the link below to sign up for a volunteer shift — there will be the opportunity for you to express your selection for work dates and positions.


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Assets panel
The Assets panel is one of the workhorse panels of HeroBlade. In this panel, you can:
- Open the Asset Library
- View, add, or remove assets in the area
- View, add, or remove instances of any asset
- Clone instances
- Copy/paste instance properties
- Move to the position of any instance in the area
- Associate any selected instance with one of the area's room
- Create and copy particle effects
- Change an assets model
- Perform various cleanup tasks:
- Remove assets which have not been instanced in the current area
- Locate any duplicated instances, by room or by area
The title of the group box displays the name of the current room, followed by the assets that have currently been loaded into the area. If an asset is greyed out, it means that a particular asset has been loaded into the area, but there are no instances of that asset in the current Room (though there may or may not still be instances in other rooms of the same area). To see if other instances of a greyed-out asset may exist in other rooms, select a different room name either via the Area panel. The name of the room at the top of the Assets Panel will change, along with the greyed-out status of the various Asset types, as appropriate.
- See also: Exploring an area
All Assets Menu
Right Clicking on All Assets in the Assets Panel will display a Context Menu with the following options:
- Library
- Opens the Asset Library. This is the same as clicking on "Library" in the Transform Toolbar
- Repository
- Opens a File Selector to load an asset from the Repository into the current area (note: This just loads the asset, and does not actually create any instances of the asset)
- Remove Uninstanced Assets
- A special cleanup option, this unloads any assets which do not have current instances in the area
- Select All Instances in Room
- Selects all instances in the Current Room
- Select Duplicates
- Will select all assets with a duplicate position. So if two white boxes are in the exact same location it will select one of them.
Asset Menu
Right Clicking on the name of an Asset in the Assets Panel will display a Context Menu with the following options:
- New Instance
- Creates a new instance of that asset in the current room
- Select All In Room
- Selects all instances of that asset in the current room
- Select All In Area
- Selects all instance of that asset in the current Area
- Remove Asset
- Removes all instances of that asset in the Area
- Replace Selected Instance With This Asset
- Replaces all instances of the right clicked on asset with the currently selected asset
Clicking on an asset name, will display the instances of that asset which exist in the current room. Note that there may be other instances in the area, in different rooms.
Clicking on an instance number, will select that instance. Your viewpoint will not change, and the instance may be in a completely different part of the area, but its properties will still be displayed in the Properties Panel
To go to a selected instance, choose Go to Position in the Instances Menu.
To select multiple instances, Shift-click
Right Clicking on a menu will bring up the context menu options for an instance which are as follows:
- Clone Instance
- Clones the instance to create a new instance with a new ID
- Remove Instance
- Removes the instance
- Copy Properties
- Copies all of the properties on the selected instance
- Paste Properties
- Pastes the properties that are on the clipboard into the selected instance
- GoTo
- Puts the selected instance into focus of the viewport
- Move To Room
- Moves the selected asset to the chosen room
- Library
- Opens the Asset Library
- Repository
- Opens the Repository
- See also: Duplicated instances
Move to Room
This subpanel is not really a way to "move" anything, but does allow you to associate any instance with a different room.
Each area has at least one room. Each instance is associated with one room. An instance's room governs not its physical location, but its visibility from one or more other rooms. Each room has settings, via the Room toolbar, which specify which other rooms it can see into, and which other rooms can see into it.
If an instance is in one room (for example, dungeon), and you wish to have it be associated with a different room (for example, dungeon_doorway), this could be done in a few different ways:
- Really long way
- Delete the instance, change the room that you're in, and re-create the instance
- Relatively long way
- Select the instance, open its Properties panel, and change its room
- Short and easy eay
- Select the instance, and in the "Move to room" section of the Assets panel, choose the new room in the dropdown menu, and click "Move to".
- Note that this method will also work with multiple instances. Whatever is currently selected, will be moved.


text: The Luna Set includes Mid and Low Luna Tuning Forks (210.42 hz & 105.21 hz) plus 8-panel Instructional card.It is widely accepted that the moon rules thewater element. Our bodies are primarily water and naturally responsive to lunar influences. Because of this relationship, the Mid and Low Luna are excellent choices for treating conditionsof fluid retention, sinus and lung congestion, arthritis and chronic joint pain


text:
Randall Library has added over 50 new database subscriptions for the 2018-19 academic year, expanding research resources for UNCW students, faculty and staff. Notable new databases include Westlaw Campus Research, Springer Nature Experiments, and AAS Historical Periodicals Collection.
Browse the list of new databases, or find databases by subject.
- Log in to post comments


text:
As you lounge on great aunt Jenny's sofa, do you ever wonder what made this particular piece of furniture hold up to generations of wear and tear? The answer is top notch construction. It's a challenge to wade through the countless cheap couches on the market today, but you can still find traditionally crafted sofas, made to last. Follow along as we deconstruct the cream of the crop.
Source: Love Your Home
It all starts with the bones. Top notch sofas have frames made of kiln dried wood, reinforced with wooden dowels, metal screws, and wood glue. Lower end frames are made with plywood or pressed wood, held together with staples. A well made frame is the backbone of an heirloom couch.
High quality sofas have jute webbing woven along the 'deck,' or seat base, back, and arms. Individual steel springs are sewn onto this webbing. This combination of webbing and springs provides flexible give when you sit and spring when you rise. Lower end options use elastic webbing and zig zag springs.
Source: Brabbu
Over these springs, you'll find layers of padding to soften the support. Burlap, horsehair, foam and batting are common components. Extra padding is used in areas of high impact, including the fronts of sofa arms and the upper back.
Individual cushions sit on top of the deck and back, creating a layer of sinkable softness. These often have a supportive core of springs or foam, wrapped in a layer of batting. Down feathers on top provide the softest support, while the firm core keeps compression in check.
The best cushions are covered in high end fabric. All natural fabrics, like cotton, wool, silk and linen are classic, durable choices. Synthetic 'high-performance' fabrics are a bit easier to maintain and often stain resistant. Want to save, without sacrificing quality? Choose solid fabrics over patterns. Printed fabrics mean pattern matching at seams, which often requires extra yardage. Solids tend to be timeless, while patterns rise and fall in popularity. You can easily add in the motif of the moment with throw pillows, blankets, and rugs.
Next time you lounge, think of the layers below. All that care in construction make for a piece that lives on. Cheers for quality, comfort, and care!
Now that you know how to select the right sofa for your room, check out our favorite leather sofas!
Why stop at the couch? Check out these holiday decorating tips to make your space a jaw-dropper this season.


text: Vintage romance meets a contemporary perspective as delicate hand-drawn leaves grace creamy white porcelain in the bestselling Arbor Blue collection. This bowl is the perfect size for cereal or ice cream, and brings classic blue and white style to anything you're serving. Dishwasher, microwave and food safe. 6" diameter, 2.5" height.


text:
Simon Stepaniak, a 6-foot-4, 287-pound offensive guard from Ross High School in Hamilton, Ohio, posted on his Twitter account on Saturday that he has committed to Indiana. He is IU's first commitment for the Class of 2015.
Simon Stepaniak had 14 scholarship offers and had a chance at more if he held his decision off until the fall.
The 6-foot-4, 287-pound offensive lineman from Ross High School in Hamilton, Ohio already had an offer from Penn State, Minnesota and Illinois in the Big Ten as well as Cincinnati, Kentucky, Vanderbilt, Wake Forest and Syracuse. Oklahoma, Nebraska, South Carolina and Clemson all had plans to go to Ohio to see him.
But Stepaniak was fond of Indiana from the time the Hoosiers started recruiting him, and decided Saturday on a visit to Bloomington that he didn't want to wait anymore. Stepaniak announced on his Twitter account on Saturday that he had committed, becoming Indiana's first verbal commitment in the Class of 2015.
"He's been in love with Indiana from the get-go," Ross coach Brian Butts said. "They met with him last summer, going into his junior year, and he was just really impressed with the coaching staff. … He just thought the time was right."
Stepaniak is a three-star recruit, rated the No. 38 recruit in the state of Ohio by Rivals.com. He plays left tackle at Ross, but Butts expects him to move inside because his height is not quite what is demanded at the tackle position in college.
Still, Butts thinks he can make a major impact.
"The only thing that kept him from being a five-star kid is he's not 6-7 or 6-8," Butts said. "And he didn't go to a lot of those Rivals camps, so those people didn't get a chance to rate him in person."
Butts said Stepaniak is a perfect fit for the guard spot because he can pull and block out in space. He said Stepaniak runs a 5.0-second 40-yard dash, which allows him to take out defenders in front of ball carriers.
"I think the thing people are most impressed with is the way he comes off the ball," Butts said. "… He's a 290-pound kid who can run as fast as most high school running backs. He's got some wheels on him. He can get to that next level, into the linebackers in the secondary, and he's punishing when he makes blocks. He's got a lot of pancake blocks. He gets his hands on you and rolls his head, and it's pretty impressive."
Butts said that Ross's right tackle from last season, Gavin Peacock, will enroll at IU in the fall as a preferred walk-on. WIth the two of them together on the line, Butts said, Ross had 500 yards of offense in each of the first three games last season.
"He's very efficient," Butts said of Stepaniak. "He doesn't miss assignments. I'm just glad I have him for one more year. I'm going to be pulling my hair out trying to find another one like him."


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According to the Cambridge Dictionary to update is to~
"Make something more modern or suitable for use now by adding new information or changing its design."
That is a lot to live up to, but I'll give it a go!
I live in a continual state of updating, whether personal or professional. I think the key is to keep pressing forwards – a blog post here, a red pen edit there, a finished novel here, another red pen edit there, a new blend of coffee here – coffee, did someone say coffee? I'll admit I am not the best blogger in the world, and as life crowds in my blog gets pushed down the list of 'to do's'. The frequency of my posts leaves a lot to be desired, but like any good cookie will tell you (digital not edible), there is always something going on in the background. Continue reading "Update"


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Kids + Teens
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6 products


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I'm using LauncherX (yes - the best launcher there is ) and I got the following folders set up:
- Main,
My 'home page' - these are my most frequently used programs (see attached screen shot),
- Apps,
Applications that I don't use as frequent but still want to keep around.
- Sys,
These are programs that I call 'system applications' and different from application that performs functions outside of managing my Treo. Examples of applications in this folder is Filez, BackupBuddy and KBLights.
- Relax,
My fun/game folder
- Palm,
This is my folder to put the things that Palm delivered/ROM programs that I simply don't use and don't want to clutter my other folders with. May simply hide this folder actually.
- Trial
Applications that I am still 'trying out' to see if I want to give them a permanent home on my Treo
Would be interested in learning about how others set up their folders


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Loads of Playable Characters Revealed in Mortal Kombat X Story Trailer
After the big news of brutalities making its way into Mortal Kombat X. NetherRealm Studios have released a new story mode trailer and by the looks of it so far, it looks like it picks up exactly after MK9 and explains why beloved characters are not in the series. You can also see that a few more fighters have been revealed like Jacqueline Briggs, daughter of Jax, Takashi Takeda, son of Kenshi and Kung Jin, descendant of Kung Lao. Check out the trailer below and don't forget to stay tuned with Dual Pixels for more news on Mortal Kombat X.


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The intra-party elections of Pakistan Muslim League-Nawaz have come to a conclusion, and it comes as no surprise that Prime Minister Nawaz Sharif retains the position of President within the party (a position he has held since the party's inception). This was hardly ever a contest; only one PML-N lawmaker was brave enough to stand against the older Sharif brother, but for unexplained reasons, his nomination papers were rejected, and our Prime Minister won unopposed.
He was not the only one either; his brother, Chief Minister Shahbaz Sharif was also re-elected as the party's Punjab President unopposed. Judging by the fact that all ten important positions of the party were won with only one candidate for each slot (granting victory by default), the elected representatives of the ruling party do not seem to enjoy contesting elections all that much.
PML-N is led by one man alone; the inclusion of 'Nawaz' in the party's name is a dead giveaway. Voters know what they are getting when they vote for anyone on the PML-N ticket. The representative will have to defer to the wishes of one of the Sharifs if they are to retain their party membership. The Sharif brothers see no reason to relinquish control when no one in the party seems to openly want to oppose them.
But maybe they are mistaking fear for blind loyalty. The reason the rank and file continues to follow the brothers is because they see no other option. Everything PML-N does automatically has the name or face of either Sharif on it. Representatives looking to make a name for themselves cannot do so under their shadow. Nawaz Sharif's daughter has referred to it as 'Brand Nawaz Sharif' and it is easy to see why; everything from foreign policy to the food service in PIA's premium planes is accredited to the Prime Minister. No matter what happens, even senior members of the party such as Chaudhry Nisar and Sartaj Aziz can never hope to take the reins.
And this is exactly why, from top to bottom, the politics of the PML-N (and every other major political party) are completely muddled. Any drive the workers have is drained out of them, through the lack of opportunities to grow or because both Sharifs have the final say on any and everything.
Why does the ruling party even bother with the elections exercise if ten or more of its office bearers are going to get elected unopposed? The answer is simple, because the Election Commission of Pakistan forced them to do so. But this is fooling no one; there is a reason we have seen Nawaz Sharif take the Prime Minister's seat a record three times. The stagnation of politics in the mainstream is a result of the lack of change at the very top of the political ladder. In their quest to accumulate and retain power, the older crop of politicians is causing the demise of politics in the younger generations.


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Image credit: ESA
We've always been big fans of space exploration. We are delighted to announce our new song is going to Mars.
Freaking Mars.
European Space Agency and Roscosmos are working on a mission called ExoMars 2020 that will put a rover on the Mars surface. Part of it is a Czech-made instrument – and we are extremely happy that it will carry our song on its hard drive.
Listen to 'First (Call from Mars)' by Exit Empire here. We made it to celebrate science and space exploration. See what the song consists of below:
Listen to 'First (Call form Mars)' by Exit Empire here
It was fascinating to play with the audio and include real sounds of Martian wind or first gravitational wave ever observed. There are also pictures of the landing location on Mars and the recently captured black hole converted to audio. Lyrics 'Light will come' refer to the Czech analyzer with this song on board coming to Mars to study lightning. We also used typical Czech instruments cimbalom and organ.
We're happy this mission has caught the attention of people all over the world. For the popularization of science, there's a contest determining which one of the audio files on the rover (11 total) will be transmitted back to Earth. The one with the most votes on the landing day will be chosen.
Even just having a song on Mars in its ones-and-zeros form is an incredible feat. The kid in us who always wanted to be an astronaut would never believe us. You can vote here to even make 'First (Call from Mars)' the first-ever song to actually be transmitted from Mars to Earth.
A big thank you to everyone involved in the ESA, Roscomos, Czech Academy of Sciences and Vesmir magazine. Keep looking up!
That's really a great song! 🙂
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Exit Empire is a three-piece band currently based in the Czech Republic founded in 2016 by two brothers and their best friend. About us →
Track us on BandsInTown below to be notified when we announce new shows.


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As caregivers, emotional energy is in short supply. At the same time there are many friends who love us and want to help. Some of them help in good ways, and others, not so much. Before it gets bad, here are some lessons I learned.
- From the beginning you will need to set boundaries with people. If there is interference with health care decisions or lack of boundaries in any way, gently and lovingly draw the line. If you don't you will pay for it later. Big time.
- Don't assume that your best friend or the friend of the family is the ideal help. Sometimes they are and sometimes they are not. Sometimes best friends feel more free to interfere with healthcare decisions. Know your friends and if they are good friends, they will respect when you need some space. Also be careful not to rely on your best friends too much in a way that they feel burnt.
- For those who want to help, oftentimes they just need practical direction. See Dear Friend of a Caregiver.
- Recognize that some friends will not get the same amount of time as before. It's not intentional, it's necessary survival. Your friend probably won't understand but energy for the long-haul is everything. Communicate with them and let them know you still value them, but you are in a season to commit to your loved one.
Personally I feel like dealing with some outside of the family has been one of THE hardest aspects of caregiving. I made the mistake of not setting boundaries early enough, not communicating well enough, not stopping problems before they turned into mountains. Hope you don't make the same mistake.


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Latest posts
Wilhelmus William
We found our meeting with Aman Kapur from LSM Insurance to be very informative. Aman helped us in clarifying all our doubts and in answering all our questions about life insurance. We were presented with several options and one of the options of a multi-layered term policy appeared perfect for us. We were very glad to have even received a rate reduction upon policy approval as opposed to what was initially quoted.We feel strongly that we would refer Aman Kapur's services to people ...Continue reading
Michael Tourangeau
I have known Aman for around 4 to 5 years and have found my interaction with him very delightful. He has expressed genuine care in taking into account mine and my family's insurance needs. In his dealing with us, he has come across not as a sales person but as an individual who cares, who is sensitive towards our financial welfare both as an advisor and as a friend. I would like to have him meet, whenever possible, more people who he could help in their insurance needs! Pastor Michael ...Continue reading
Pastor Doug McClain
From our first meeting, I understood that Aman knows his profession that he represents. He is very thorough and explained the solutions really well in addressing my needs. I found him to be a good person to do business with- very friendly. He relates to people very well and I enjoyed his presence. I would consider Aman to be highly recommendable. Pastor Doug McClainContinue reading
Kumar Sinniah
We got talking to Aman while looking for life insurance. We wanted a detailed insight to the several options available to us. We found Aman very knowledgeable in the subject of insurance. As a broker he could explain the various products and plans to us. More importantly, he also explained the entire process of getting insurance and underwriting to us. He is not pushy or in a hurry to sell anything. He focused on our needs and hence gave us a sense of comfort. We found him very friendly ...Continue reading
Jude Glen Fernandez
I felt very comfortable working with Aman. His knowledge on insurance was very impressive. He explained the options available in detail which made my selection process very easy. I found Aman very friendly. I was very impressed with his demeanor and the patience he showed during the entire process. His follow-up was very effective and timely matching my needs. I would definitely refer him to other people. Jude Glen FernandezContinue reading
Nicole and Vincent Moore
We found Aman a very courteous and a professional person. He was willing to meet us whenever we were available and that meant working around our busy schedules. Over the years as our needs have changed, Aman was able to offer plans matching the changing needs.Continue reading
Deon Scheepers
It was a great pleasure to work with Aman and LSM Insurance. The personal touch really made me feel comfortable with the whole process. We were well-informed and LSM'sfocus on customer service and satisfaction made them the company we wanted to trust with this big decision. Deon ScheepersContinue reading
Carrie Leduc
On Behalf of the Crease Family, we would like to thank Aman Kapur for making this transition very pleasant and easy experience. We found Aman Kapur to be a very knowledgeable and friendly financial advisor and help us with all or questions and concerns. Carrie LeducContinue reading
Stanley and Elizabeth Hmiel
We want to thank Aman for his attentiveness and his committment to customer service. We appreciate his time in guiding us to the right policy. We feel very comfortable with our insurance needs at present. Thanks for the time you spent with us. Stanley and Elizabeth HmielContinue reading
Tom Carey
Aman provided the most attentive and personable service I have experienced from an insurance agent. The bonus was that he was able to get me a rate quote considerably lower than anything else I had been offered. I would definitely use Aman's services again and recommend him to my colleagues and friends. Tom Carey, Guelph, OntarioContinue reading


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|Physio Line
Functional re-education : a modular, functional and safe approach
This range Tech med Tm is the product of know-how accumulated over nearly 20 years in the area of functional re-education, and facilitates the everyday work of each of the centres.
Our machines are appropriate for several pathologies and apply to all morphologies.
For the best re-education, treadmills and ergocycles offer numerous different adjustments, especially at low speeds.
These tools are easy to use, and with their choice of configurations, they offer the highest level of performance on the market.
Discover our range :


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The Warlock's CurseA frightful Dark Warlock who has long threatened the peace has issued a threat: unless the world of magic bends to his will, he will cast a spell that will plunge the land into darkness forever! The shadows are already beginning to descend. The one wand powerful enough to cast a counter-curse has been hidden away by the Warlock. You have tracked it down to this magical cottage and must now contend with the Warlock's protective enchantments and puzzles. Do you have what it takes to retrieve the wand and save the world? You only have one hour before it is too late!
$28.00 per adult
$14.00 per Children 12-under
Plan to arrive 15 Minutes prior to your scheduled event! Each participant must complete our waiver before playing.


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How Much Does It Cost To Defend A Will?
You may think that defending a Will is likely to be costly and this may discourage you from making an enquiry, however there are funding options open to you and they are worth exploring.
You should also remember that we offer you a risk free, no obligation initial consultation so we can discuss your situation with you in detail and offer you advice on how you can proceed. This initial consultation is completely free of charge and even if you decide not to take things any further, you have not lost a penny.
What Options Are Available To Fund The Defence Of A Will?
The options open to you are a Conditional Fee Agreement, or private funding.
A Conditional Fee Agreement or CFA is more common known as a 'No Win No Fee' Agreement. This means that if you do not win, then you do not pay any legal costs to us. You will need to purchase an insurance policy to protect yourself from your opponent's legal costs in the event you lose though.
However if you win, you will be able to claim most of your legal costs from the losing party. Due to changes in the law in April 2013, you cannot now recover all of your legal costs and you may need to contribute. This should not stop you from defending the Will or estate though.
In the circumstances of the defence of an Estate, a win is defined as safeguarding the estate or defeating the claim against the Will partially or in full.
A Conditional Fee Agreement is a good option for you as it protects you against any legal costs should you lose your case.
Private funding is where you would pay us an hourly rate, but this not an option for many people. If you are successful and win, you should be able to claim these costs back from the losing party, but if you lose, you will also be liable for the other party's costs too.
Why Choose HH Legal?
We will NEVER turn anyone away due to their inability to pay and we are happy to settle with you at the conclusion of your claim. Most of our costs will probably be able to be claimed back from the losing party.
Our experienced and specialist team of Wills and Probate solicitors will do all we can to bring the defence of the estate to as swift a conclusion as possible.


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We answer some more AMA's including how authors do their own promo and outside insight about Street Teams. Then Kat & Claribel interview Nafiza Azad, the author of Morris Award Finalist Novel, Candle and the Flame. We talk about her experience learning creative writing in school, getting her agent, and what it felt like to find out she was a Morris Award Finalist!
Bio: Nafiza Azad was born in Fiji and spent the first seventeen years of her life as a self-styled Pacific Islander. Now she identifies as an Indo-Fijian Muslim Canadian, which means she is often navigating multiple identities. Nafiza has a love for languages and currently speaks four. She holds a Master of Arts degree in Children's Literature from the University of British Columbia and co-runs The Book Wars (thebookwars.ca), a website dedicated to all things children's literature. Nafiza currently lives in British Columbia with her family.
Follow Nafiza: Twitter | Instagram
YALSA announces 2020 William C. Morris Award finalists
Follow Claribel Ortega online: Twitter | Instagram | Youtube
Follow Kat Cho online: Twitter| Instagram | YouTube
Order Kat's debut, WICKED FOX!
Podcast: Play in new window | Download
Subscribe to Write or Die: Apple Podcasts | Android | Email | Google Podcasts | Stitcher | Spotify | RSS | More


text: Anne-Magriet Schoeman is the Managing Director of Mercer, a company specialising in general human resources management with specific emphasis on remuneration management. She specialises in the Africa division conducting local national surveys in 18 sub-Saharan countries. Anne-Magriet has been involved in the development of South African and international conditions of employment, remuneration structures and systems mainly in the construction industry, assisting companies from feasibility to implementing these systems. She has developed various computerised systems supporting the international businesses of her clients. With a finance, HR, information technology and legal background, and 15 years work experience across the full HR value chain, she is currently investing her time to improve the efficiencies of the company in the survey arena.


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8341 Santaluz Village Green East - Amazing mini mansion & true one-of-a-kind Santaluz casita with panoramic golf course views!
Join us for an open house this Sunday, April 27 from 1-4p at this amazing MINI MANSION! This is truly a one-of-a-kind, incredibly upgraded Santaluz casita with panoramic GOLF COURSE views. Formerly owned by one of the premier builders in Rancho Santa Fe history, this home has the craftsmanship typically found in homes $3M and up. Walking distance to the club and situated on the first fairway of the Santaluz golf course overlooking the mountain, as well as exposure to the lake, this is a ONCE IN A DECADE OFFERING!


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LONDON — Britain's statistical authority, the ONS, has created an insightful if slightly depressing tool that allows people to calculate just how much poorer they will be by the end of the year thanks to the Brexit-driven inflation seen in the year since the referendum.
Since the vote, inflation in the UK has surged to its highest level since the summer of 2013, reaching 2.9% at the latest reading earlier in June. That inflation has been triggered almost entirely by the sharp fall in the value of the pound, which has crashed from a value of 1.48 against the dollar prior to the referendum, to around $US1.27 now.
Prices are now rising across the board thanks to the fall in the pound seen since last summer's referendum, with food prices increasing particularly rapidly.
At the same time, however, wage growth remains subdued, with wages increasing by 2.1% including bonuses, and by 1.7% excluding bonuses at the ONS' last update.
That combination adds up to the average real wage for the average British worker actually falling.
Bank of England Governor Mark Carney nailed the problem during a press conference in May, saying: "This is going to be a more challenging time for British households over the course of this year, real income growth — to use our terminology — will be negative. To use theirs [layman's] wages won't keep up with prices for the goods and services they consume."
The ONS' calculator, which is embedded below, is pretty straightforward. Input your salary, click "Submit" and see how much poorer Brexit's first round impacts will make you.
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Fall on the Blue River in Colorado with fish feeding on proteins before spawning. The best season for fly fihsing? Probably.
You see those guys, Willis and Sean, walking to the river at the wee hours of the morning. That means they woke up pretty early, probably had a quick breakfast than drove in the night and walked to the river at dawn. It's always a strange feeling, a mixture of excitement to go fishing and a pain to get up early, very early. But when you'll see where they fly fish and when you'll see the trout they catch, you'll surely be ok for a very early start to be there too!


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Tamilnadu MRB Admit CardDear aspirants welcome to all job finders. A Notification For Asst. Surgeon Openings Call Letter has issued by Tamilnadu Medical
Services Recruitment Board (MRB). Now applicants will be able to download Tamilnadu MRB Admit Card. Hey guys to come true this dream start finding admit card after submit duly filled online Application Form for TNMRB Recruitment. This hall ticket will allow the contenders to appear in exam and then in interview to be the part of this organization.
Tamilnadu Medical Services Recruitment Board (MRB) has offered vacancies for the post of Assistant Surgeon. So to hire the applicants successfully, it is necessary to recruit the appliers by measuring their ability through selection stages. Appliers possess enough knowledge must Download TNMRB Exam Hall Ticket for a given post. In the following section all details are given in easy way. Our team made this web page to published job details for all aspirants.
TNMRB Exam Hall Ticket detailsOther details are uncovered in below section of the web page. This part of post will carry to applicants till direct link to get call letter easily.
Selection Method: Selection of the willing applicants will be based on their performance given in interview/ Test.
Importance of Call letter: Admit card/ Call Letter is the non-volatile document by which job seekers will be recognised as candidates to be appear in exam. All the job hunters will be able their examination admit card 15 days before from exam date till day of exam.
Information in Hall Ticket: Hey job grabbers before go to this test/ interview all of you must come to know the timings and date of selection rounds. The most important Info in call letter is Test centre where candidates will have to appear to sit in the exam.
Steps To Download TNMRB Exam Hall TicketApplicants need to visit the content shown below to get this document:
- First of all applicants need to log-on to official site of Tamilnadu Medical Services Recruitment Board (MRB) that is www.mrb.tn.gov.in.
- Then Find the link as" Assistant Surgeon Admit Card″ and enter on it.
- Enter your Registration Number and Date of Birth and submit it,
- Then your admit card will be appear on screen within a few moments.
- Save it and take print out for future use.
Important Dates:
- Starting Date to download Hall Ticket: Will be available soon
- Date of Examination: as soon as possible
Reminder: For more details related to activate link of TNMRB Admit Card applicants need to visit Official Link.
Carry On Guys!!
Take a Look on Below Table


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Please help this man find his wife!
A Texas Husband went to the sheriff's department to report that his wife was missing. Husband: My wife is missing. She went shopping yesterday and has not come home… Sergeant: What is her height? Husband: Gee, I'm not sure. A little over five-feet tall.


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For six years, Matt Stadelman and his co-founders had pushed retirement savings to the bottom of their to-do list, as they plowed any spare cash into growing their St. Paul, Minnesota-based business, Jet Construction & Remodeling. "I was so focused on the present," he recalls. "When we finally put together a retirement plan for our staff, the light bulb went off: We should be taking care of ourselves, too."
On some level, Stadelman thought he had been saving for retirement--by building up a business he hoped to one day sell. But when that time came, in 2007, the sale price was far lower than he'd hoped--or planned--for. And Stadelman, who now advises other entrepreneurs as a partner at Navalign Wealth Partners in Los Angeles, warns that he sees many others repeating his mistake: More than a third of business owners have no retirement savings plan in place, according to a 2017 Manta survey of about 2,000 entrepreneurs. Nearly one in five of those surveyed are banking on funding their retirement by selling their business--which isn't always a safe bet.
"I think, as entrepreneurs, we're so optimistic that things are going to work out, if we just work our asses off," says Emily Lonigro, founder of the Chicago-based design studio LimeRed. "But at some point, it was like: I have to save."
1. Reap immediate benefits.
People struggle to save for some point in the far-off future because we have a natural tendency to prioritize the here and now. But there can be short-term benefits to socking away retirement savings this year: "If you're investing in a pretax retirement plan and you're in the 30 percent tax bracket, every dollar you put in is like investing $1.30," because those savings lower your immediate taxable income, says Steve Beninati, a vice president at RBC Wealth Management in New York City.
"Establishing a retirement plan also creates your own small bank," he says. With an IRA, for instance, you can borrow against your own savings--without penalty--as long as the funds are returned within 60 days. With a 401(k), you can often take a longer self-loan (to cover anything from payroll to buying a car) and make repayments with interest. Beninati also points out that lenders look favorably on potential borrowers with retirement savings, "because they like to see other assets beyond what's in the business checking account," he says. That's true whether you're trying to refinance your home or applying for more business funding.
2. Treat it like Netflix.
As soon as he made one purchase for his business, Rai-mon Barnes started thinking about the next. "For years, I was stuck in this perpetual motion, chasing whatever was going to take my business to the next level," says the founder of CodeSwitch Marketing. "Retirement savings was not even a thought." But when an old friend chided him for not having savings (despite having a family), Barnes decided to get serious. "It was so daunting to look at an empty account. The only way I could act was to start really small," he says. So he did, at first putting away $50 a month.
Automating such payments can mean the difference between empty intentions and a fat portfolio, says Stadelman. "Most people wouldn't consider skipping the bill for Netflix or their cellphone," he says. "You have to find a way to make saving as mindless as paying those bills."
Automatic monthly contributions to his savings plan also helped Barnes better handle his cash flow. Most of his revenue, he says, comes in lump sums from project-based work, "and if you're not catching up on bills when that check comes in, you're trying to save for the next bill or the next thing your business needs to scale." Adding to his savings as if he were just paying another utility bill meant he didn't have to rely on willpower (or debate reinvestment versus retirement) every time one of those big payments came in.
3. Call in a pro.
Does it make more sense to open an IRA or a SEP-IRA? If you start a company 401(k), do you have to include all employees in the plan--and offer the same match? If your business has an accountant, she should be able to guide you to a plan that maximizes your tax benefits while staying on Uncle Sam's good side. If there isn't an accountant, says Barnes, enlist a financial adviser to help you look at how your savings might affect not just your business this year, but your entire financial picture. Barnes eventually upped his monthly contributions to $800 after meeting with a planner who showed him how his midlife start would impact his projections.
Beninati also steers clients away from what he says is a common trap for entrepreneurs: investing too heavily in the sector and companies they're most familiar with. "If you own a tech business, you're more likely to invest in tech," he says. "But there's no better piece of advice than to diversify."


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Opus Virtual Offices
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How Kratom Proves Beneficial in Weight Loss?
Nowadays the biggest health concern faced by people is obesity. Everyone who is obese or overweight wishes to be healthy but because of struggles of it, everyone cannot achieve his goals. Even the people who have normal weight like to remain fit. There is good news for the people who are worried about their health and more astonishingly this is a natural method so people do not need to be worried about the side effects. And the name of this one and only natural ingredient is Kratom. It significantly reduces the factors that contribute to obesity, and that is why this is recommended for overweight and obese people. This natural remedy is must consider rather than the diets and supplements available in the market for excessive prices.
Undoubtedly, there are many numbers of prescription medicines available in the market that help weight loss also, billions of trendy diets promise fast weight loss, but these diets and medications are never safe. Since weight loss wants devotion and reliable effort, people desire to take on any method that may be trouble-free. This pursuit for easy fat loss enthuses them to try new things which may become uneasy efforts, but of no use. The name of this supplement is "Kratom". It has multiple health benefits with pain relief and increased energy are two of the most popular ones. It can be proved beneficial for all those who struggle with weight loss.
How Does it Work?
Kratom works to reduce weight through both, directly and indirectly, ways, which make it fairly exclusive as compared to many other supplements available for weight loss. Some of these factors include appetite suppression, craving reduction, both directly and indirectly through its increased power when used on an empty stomach. Using Kratom for weight loss is an astonishingly effective technique, and if done in the right way, we are sure you will see good results. The factors that can dramatically contribute to how effective Kratom is for losing weight are:
1. It Increases Motivation as well as focus levels, For the people who lack motivation, use of Kratom can play an imperative roll on their body and mind. Due to Kratom and its cognitive effect, it can help the individuals who for whom it is hard to focus on the day to day activities. The individuals who want to shed extra pounds of weight, Kratom can help them by increasing their focus and encouraging them enough to go to the gym, to do exercise and work out with reliability.
2. Because Kratom is an Anti-Inflammatory it helps consumers to cope up with various forms of inflammation in the body which helps the people who are looking for losing weight. When someone tries to lose weight, he gets muscle soreness and joint pains because of the response of the body to the 'trauma'. And by using kratom this inflammation process can be lessened. Kratom helps to deal with inflammation in the body and so one can recover faster. This means one can get his butt back in the gym sooner and can burn calories on a more reliable basis.
3. It Helps to Boosts Energy levels in the body. For the people who feel tired all the time from the work and a busy schedule, Kratom strains can help them by giving them enough boost and kick to their life. This energy boost can help them to do day to day activities and perform gym exercises with greater concentration.
4. It Helps to Improve Sleep, for the individuals who have sleep deficiency and who find it hard to lose weight. It is a fact that Weight loss is directly linked with sleep as well. While one sleep his body keeps functioning and burns fat as well. Kratom can help give you a good night's sleep via sedative effects which help to fall asleep.
5. It Can Suppress Appetite, intake of Kratom leads to a decline in appetite and it proves helpful to control desires for various types of food. Kratom strains are known for their capability to stop craving and hunger for needless food which is helpful when losing weight.
How to Consume Kratom?
It a great supplement to consume either before or after the workout. One can consume it as per his choice because each has its own benefits that are:
✅ Benefits of Consuming Kratom before Workout:
The individuals who love to do exercise and know how important proper nutrition is and diet for them usually like to intake Kratom before a workout. Undoubtedly, a proper diet plan is necessary to lose weight but carrying out your workouts on a daily basis is as necessary as a diet plan. It gets harder to work out on a regular basis but Kratom strains may help with this, Kratom strains provide energy and motivational boost that help to get butt moving.
✅ Benefits of Consuming Kratom after Workout:
Kratom also helps to deal with post work out flaws such as Pain, energy levels, inflammation, motivation, and sleep. The individuals who struggle to sleep Kratom help them with that. Post work out drinks is as important as pre-workout drinks and adding Kratom to the post-workout is great for recovery.
Is it Safe to Consume Kratom?
Not like many of the risky diet pills that are going around, Kratom is completely natural and can have other useful effects on health. Even, Studies done on Kratom has suggested that Kratom is as safe but can be addictive as coffee, yet it has wide various positive effects. As long as a consumer of Kratom maintain a healthy diet, nourish his body with high-quality nutrients, and get proper sleep, he will have no issues with Kratom. Even, if it seems one's appetite. One thing that one should keep in mind before start consuming Kratom is that it is safe only if one is taking low doses. Though higher doses, you can make oneself feel sicker.
Suggested Dosage for Consuming Kratom:
Dosage is another important factor to consider when it comes to weight loss. Though, the suitable dosage can vary from person to person because every individual has a unique genetic makeup. Usually, the best dosage for weight loss is "modest", nevertheless, testing it out yourself is compulsory to get the best results. Below is a basic guide to dosage.
➢ Low – 1 to 2 grams
➢ Modest – 2 to 5 grams
➢ High – 5 to 7 grams
The best recommendation is, to begin with fairly low when trying out Kratom for the first time. This will help to avoid taking it in more than required amount and will also give a decent idea of what the perfect dosages is.
Where to Buy Kratom?
An important thing to consider when using Kratom is to ensure that what you are using Kratom of top quality. Make sure to buy kratom from trusted sellers only. One who can answer your queries has a good policy on product returns and has good feedback from the commune.
All in all, Kratom and its products offer stimulant and sedative consequences depending on the strain and use case. It can even curb out with the appetite and help to stop cravings, but the latent effects of this herb do not end here it has many more benefits than that. The people who are looking for a natural supplement product, Kratom is an immense option because of its herbal nature. Kratom products can be bought from any health shop in the form of liquid, powder, capsules etcetera. Kratom has gained popularity thorough proofs shown in international news in regards to its health benefits but it's sure to consult with your physician before using Kratom. An overdose of this herb can cause serious problems and some minor side effects can lead to problems such as upset stomach and fatigue.
Overall though, Kratom is an all-around supplement that if used correctly, can offer an array of health benefits, particularly to those who are looking to lose weight.


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What would you prefer to advertise? Affiliate marketing isn't any stranger on the Web, and definitely no stranger to network marketers and posting promoting continues to be a successful technique to boost your internet business or weblog. Internet online affiliate marketing offers a phenomenal prospect for those who don't have a lot of start-up money or possibly a ton of your time to place collectively a large campaign. Internet affiliate marketing has some very excellent positive aspects which include things like no product or service of your respective possess, no stock, no shipping or overhead and no real gross sales power. For the service provider it could even be an affordable and helpful internet marketing strategy joemoblog.
Exactly what are Affiliate Applications?
Generally speaking affiliate courses are advertising courses provided by internet advertisers or retailers that recruit site house owners and bloggers. The merchants give banner ads, links and buttons for site house owners to place on their own web page to market the merchant's products. In turn, the web site proprietor or blogger will obtain a referral payment or fee when a purchaser buys an item that is definitely delivered through an affiliate website link. A person from the commonest kinds of affiliate one-way links are pay out for every click on (PPC – Pay back For every Click on) having said that, ever more now are intertwined with e-mail and articles advertising.
The Products:
If you are seeking an associates program you will discover some stuff you will need to take into consideration ahead of picking which firm you're gonna get arms with. The product or service really should be 1 of top quality may also be a service. So long as it is really an item feasible services and it offers anything of price to the purchaser.
There are various sorts of payment strategies developed into affiliate internet marketing packages, and one of these might be a residual plan. Nonetheless, not all affiliate internet marketing programs have residual applications crafted into them. If you're able to locate a single with residual funds, then that might be the best way to go. Even so, you will find some that actually offer you a appreciably higher fee level that could make up to the lack of the residual money. You will find also other individuals that supply a multilevel advertising construction of payment. Now if you're accustomed to multilevel marketing than which might be an avenue that you would select to look at.
But ahead of jumping into any multilevel marketing and advertising application, you ought to read up on it and do an intensive analysis. The last factor you need to do is leap into an associates program that is going to be a significant squander of time.
Deciding upon an Affiliate program:
Back again in 1994 there weren't really several affiliate courses to pick from and many of them ended up revolved all around offensive material web-sites. Currently, affiliate programs have a very bigger conventional and it can be a new strategy for carrying out enterprise. There are actually many firms that have affiliate marketing online applications lime Amazon, website hosting corporations, domain title registrars, and digital sites, Apple iTunes, little bit defender, panda stability, Laptop health and fitness increase, Fee Junction, eBay Lover Network, Google AdSense, VistaPrint along with the record goes on and on.
You will find an associates program for nearly anything at all you need to provide. It truly is a fantastic concept to market something that may be relevant in your internet site, giving you have a single. Not every person that symptoms up for an affiliate program contains a site to run it via. You will find some that actually generate articles or blog posts and immediate the URLs for their affiliate program.
Becoming an Affiliate:
Should you desire to turn out to be an affiliate it can be not that hard. You merely visit the website of alternative and look for their affiliate backlink plan. Commonly what will occur is you'll sign up and have a novel affiliate ID alongside with some banners and one-way links. You then area these in your web-site so that your opportunity audience can click on on people links which when they invest in, you might obtain a fee. Because you signed up for an associates program doesn't mean that you're really planning to travel traffic to your internet site. You continue to have to have to perform a little something about driving visitors to your site or affiliate backlink like publish persuasive content and develop into an expert in your subject. These content articles can be placed on article databases and therefore are a positive strategy for driving visitors to your site or affiliate website link.
Everything you Need to Search for:
Whenever you buy groceries for an affiliate program, seek to hunt for substantial affiliate commissions, extended cookies and of course you'd probably want to receive a wonderful conversion level. Two-tier programs which have a similar composition to be a multilevel marketing business and may be pretty worthwhile. These corporations that get paid billions in multilevel marketing and immediate income is corporations like Amway that has been in enterprise for fifty three several years, Nu Pores and skin begun in 1984 and Nature's Sunshine begun in 1972 so multilevel advertising has actually been all around for a few time. Residual affiliate packages is unquestionably the way in which to go. You keep on to make income on that visitor thirty day period after month. The benefit listed here is usually that finally your income begin accumulating exactly where you might be generating much more and much more income instead of the person sale the place you might have to continuously earn money to stay on the very same amount.


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Kerrville Oral & Maxillofacial Surgery
Dr. James D. Lussier is a board certified Oral & Maxillofacial Surgeon. He lives and practices full-time in Kerrville, Texas.
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Dental Implants
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For more information about dental implants or to schedule a consultation, please contact us.


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Reimagine Customer Data for Insurance
To strengthen their competitive position against insurance company incumbents and digital start ups, insurance executives like you are being asked to lead a transformational shift from being product-centric to being customer-centric and drive hyper-personalization across touch points. But it's not easy to drive change in a complex organization with multiple lines of business, pressures to reduce services costs, and the challenges of complying with rigorous regulations.
To manage through these challenges, innovative insurance companies around the globe count on Reltio because we deliver the connected customer data that powers customer-centric businesses. With Reltio Connected Customer 360, your insurance organization can deliver hyper-personalized and connected experiences—across all touch points, accelerate digital product innovation, while controlling costs and simplifying compliance with regulations.
Customer-centric Experiences Don't Happen
without Connected Customer Data
To gain a competitive advantage in the insurance sector, it's vital for you to make the shift to-customer centricity . Client expectations are increasing, so strengthening client relationships by delivering personalized experiences and offering differentiated services is a must. However, to do this, you need to fully leverage the power of customer data.
Quite simply, you can't meet these objectives if you're stuck with disconnected and disjointed customer data and legacy master data management (MDM) systems . You're left without the business agility, enterprise scale and insight-ready data you need to bring big ideas to life.
Is siloed customer data or a legacy MDM system holding you back?
Failing to provide connected visibility of clients and brokers, which limits your organization's ability to successfully shift to customer-centricity.
Restricting access to connected customer data to drive digital innovation and to lower the cost of services.
Missing the complete and accurate client data you need to feed machine learning and artificial intelligence platforms, which compromises your results.
Struggling to comply with regulations, reporting requirements and privacy laws, which exposes your organization to significant risks and penalties.
"We want to better understand our customers, who they are and how they interact with us, so we can better segment our customers and sell them the right product at the right time. Good quality and enriched customer data allows us to create a better customer experience."
– Enterprise Architect, at Beazley
Reltio Delivers Connected Customer Data
to Power Winning Client Experiences
Chief data officers, chief information officers and sales leaders at innovative insurance organizations trust Reltio. We deliver the capabilities you need to manage all your client, broker product, and market data. With the Reltio SaaS platform, you can effectively manage the data you need, whether it originated in internal applications, third-party data feeds, omnichannel transactions, interactions or social media.
Organize Your Data for Customer-centricity
Maximize the Value
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Complete, Unified Client and Broker
Reltio Connected Customer 360 enables your teams to incorporate a broad range of data, including client information, policy details, vehicle or property reports, geographical surveys, credit ratings, police reports and client feedback
Powerful Client Profiling and Segmentation
With Reltio Connected Customer 360, you can do real-time segmentation to identify populations and target services most effectively. Leverage algorithms that segment populations based on profiles, sentiments, preferences and behaviors to fuel digital innovation
Visualization of Complex Relationships
Connected graph technology combined with analytics helps you better understand households, build custom hierarchies and measure product penetration in your enterprise accounts
Connected Data Powers Real-time Decision Making
Get actionable recommendations for claims management, fraud detection, underwriting, policy management and regulatory compliance. Deliver targeted insights into churn propensity, lifetime value and abandonment rates
How Reltio Can Help
- Personalize experiences. Gain unprecedented insights into clients' and brokers' relationships, behaviors, histories and preferences, so your organization can consistently deliver personalized experiences including broker and direct-to-consumer engagement.
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- Simplify compliance. Simplify compliance with emerging privacy laws and regulations.


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Study Analyzes Power Options and Issues for All Types of Small Cells
AUSTIN, TX--(Marketwired - August 06, 2015) - The demand for high quality data services on LTE networks continues to grow as mobile subscribers increasingly use their smartphones and tablets to watch mobile video, stream audio and update social media sites. As this usage increases, mobile operators are evolving their radio access network (RAN) to augment the coverage and capacity of their networks. These dense heterogeneous networks (het-nets) include many types of small cells -- indoor small cells (picocells), Wi-Fi, outdoor small cells (metrocells), Distributed Antenna Systems (DAS), and Remote Radio Heads (RRHs).
Mobile operators must consider many factors when determining the location of the small cells in their het-net. As part of these considerations, the mobile operator must ensure that a steady power source is available and must answer several questions regarding power. Does the small cell require AC or DC power? How much power is required? What power is available at the site? Will backup power be required?
In its most recent market study, iGR, a market research consultancy focused on the wireless and mobile industry, has sought to answer these questions by providing a detailed analysis of the power requirements of various small cells, as well as the types of power solutions that are currently available and being deployed.
"Providing power is one of the major issues that must be considered when deploying small cells," said Ian Gillott, president and founder of iGR. "Although other topics, such as location and type of backhaul, often get first consideration, providing a reliable and cost-effective power source is essential for a successful small cell deployment."
iGR's new market study, AC/DC Power Solutions: The Forgotten Small Cell Requirement, provides an analysis of the power requirements of various small cells, details the types of power systems that are available, and discusses the issues considered when choosing a power source.
The following key questions are addressed in the new research study:
The information in this market study will be valuable for:
The new report can be purchased and downloaded directly from iGR's website at www.iGR-inc.com.
About iGR
iGR is a market strategy consultancy focused on the wireless and mobile communications industry. Founded by Ian Gillott, one of the wireless industry's leading analysts, in late 2000 as iGillottResearch, iGR is now in its fifteenth year of operation. iGR continuously researches emerging and existent technologies, technology industries, and consumer markets. We use our detailed research to offer a range of services to help companies improve their position in the marketplace, clearly define their future direction, and ultimately improve their bottom line.
iGR researches a range of wireless and mobile products and technologies, including: smartphones; tablets; mobile wearable devices; connected cars; mobile applications; bandwidth demand and use; small cell and het-net architectures; mobile EPC and RAN virtualization; DAS; LTE; VoLTE; IMS; NFC; GSM/GPRS/UMTS/HSPA; CDMA 1x/EV-DO; iDEN; SIP; macro-, pico- and femtocells; mobile backhaul; WiFi and WiFi offload; and SIM and UICC.
A more complete profile of the company can be found at www.igr-inc.com.
Contact Information:
Contact iGR
Ian Gillott
(512) 263-5682


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As accusations of discrimination, sexual harassment, and wrongful termination are on the rise, we'll help protect your assets and reputation in case this happens to your family.
Protection in the CourtroomThis coverage helps defray the defense costs you may incur as a result of allegations of discrimination, sexual harassment, or wrongful termination.*
Maintain Your ReputationThis coverage helps reimburse the expense of hiring firms that can assist with damage control surrounding allegations as well as secure your residence(s) and family members from media intrusions.


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Nico Nico
From Nico Nico. Girl's long sleeve shirt dress in a deep indigo denim. Exaggerated asymmetrical hem and button closure that runs the length of the dress.
- From Nico Nico Autumn/Winter 2017 collection
- Toddler and girl's dress
- Heavyweight cotton in Indigo
- Long sleeves with button cuffs
- Banded collar
- Front pocket at chest
- Rounded asymmetrical hem
- Generously cut
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Bulk Filter Material.Save money by cutting your own filter pads and sheets to fit most popular brands of filters, skimmers & pump pre-filters. Sold by the square foot. Choose the density and thickness you require and enter the number of square feet you require.
Maximum width is 6'.
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We were friends. Every night, I went to sleep, not thinking of consequences. But one fine morning (nah, I'm kidding, it wasn't fine), I found that the cat's scratch was right underneath my eyelid. I ignored it. The following morning, the scratch had made itself at home. I stared at its presence. Words on flesh. The cat's constant purring was too close for comfort, and just when I thought I could hold her close, it pawed at my face, clumsily perhaps, but nevertheless, there it was, a scar had formed. On my face. Just in case I tried to forget. I am still me, except for the scar she carved. But the cat is still a fine creature, demanding of attention, willing to reciprocate every once in awhile, moody, loving, and unpredictable. Would she have scratched if she cared "enough"? Can you measure a concept as vague and as fleeting as affection/love?
After a long day, when all I want to do is drop my guard, she climbs onto my lap and stares at me. Anticipating. Waiting. Inquiring. Greeted by silence, she meows and purrs as though we have no history. I don't recall the words, it's hard enough when we speak different languages. I can only touch the now scabrous skin. Each night it digs itself further into me.


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The Year 8 Options Evening will be held on Thursday 23 January 2020 from 7.00 pm in the Great Hall.
Hard-copies of the GCSE Options Booklet 2020 and the GCSE Option Form 2020 will be provided to students on the night.
The evening will provide an introduction to KS4 and include important information on how Year 8 students should make their choices for 2020-21. The main introduction will be followed by individual presentations by the options subjects. Downloadable links of these presentations will be published below, following the Options Evening. There will also be an opportunity during the evening for informal discussions with senior staff.
A timetable will be published for each form group to plan the order of your sessions. Please note your son is expected to wear full school uniform.
Deadline for the return of completed Options forms is Monday 16th March 2020.
|GCSE Grading System
|GCSE Options Evening: Art & Design Presentation 2020/21
|GCSE Options Evening: Computer Science Presentation 2020/21
|GCSE Options Evening: DT Presentation 2020/21
|GCSE Options Evening: Geography Presentation - 2020/21
|GCSE Options Evening: History 2020/21 (see Booklet)
|GCSE Options Evening: Latin Presentation 2020/21
|GCSE Options Evening: MFL Presentation 2020/21
|GCSE Options Evening: Music Presentation 2020/21


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Our Contractors are trained and certified in mitigation, repair, cleanup, restoration and reconstruction services for your home and business throughout the SLC, Ogden, and Davis County, Utah areas. Whether your water, mold, or fire damage of your home or business is a large or small disaster, our contractors can help. We are also intimately familiar with the insurance industry and will work closely with all insurance carriers to ensure that a fair settlement is reached for the most smooth and efficient process possible.
What You Don't Know About Smoke Damage CAN Hurt You, Your Family
Smoke Damage Threatens Health. Period. There is no debate. Smoke is simply tiny particles and vapor released in [...]Read more


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