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Investor Mortgages
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With a growing population comes development and consolidation, making investing in real estate a potentially lucrative venture. The right investment can generate income and provide significant profit when the property value increases. Your strategy should be backed by a financial product that suits your goals and needs, whether you are looking to purchase your first investment property or adding to an established portfolio. In every case, Karista Mortgage has a solution for you.
Find The Home You Love And We'll Do The Rest.
We keep things simple with fast, hassle free service. No hard sells. No obligation. Just the best rates around and fee-free advice.
Identify growth opportunities
Property values have grown all over Canada, but there are always fluctuations in local and regional markets. Identifying 'hot-spots' is easy, but the timing of your investment is also important, and no one can guarantee 100% certainty of making a profit. However, there are a few clues that successful investors look for:
- Areas in the early stages of gentrification
- Increasing property values in surrounding suburbs
- High-demand areas with limited housing stock
- Rising rents in popular areas
- Local infrastructure improvements
Karista's Mortgage experts can take an objective look at any investment property you might be interested in. We can help you evaluate a property's profitability and then provide lending solutions that suit your needs.
How can I compare investment home mortgages?
There are a lot of processes involved when considering the purchase of an investment property. Finding a suitable loan product is essential, and your attention will also be diverted to studying the market, understanding your personal objectives, and making an honest appraisal of your financial situation.
With so much information requiring simultaneous understanding, it makes good sense to research your potential with the assistance of a Karista Mortgage adviser. We offer both fixed rate and variable rate investment home loans that are matched with your needs. Our investment home loans are famous for low interest rates, money-saving features, flexibility and a targeted solutions-based approach.
Why Choose Karista Mortgage?
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Expert lenders you can trust without the mortgage jargon
Helping Canadians achieve homeownership since 2003
Innovative approach that saves you time & money
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See Our Videos
Watch our educational videos to help you make the right decision
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Contact Details
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Connect with one of our Mortgage Strategy Managers and get a personalised discussion to explore your mortgage options.
Come By Our Office! (by appointment only)
Address: #269 – 5489 Byrne Road
Burnaby, BC. V5J 3J1
Phone: 604-436-4600
Fax: 604-343-7100
When you arrive at Riverway Business Park, proceed to the rear building facing the golf course. We are located half-way down the building at Suite Number 269.


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Paper and Gratitude
Does paper really grow on trees?
Yes it does but it is still not easy to come by.
The children at Rising Lotus go through so many supplies.
This stack of beat up notebooks belongs to just one child
and it is only for part of one semester.
Keep in mind, there are 13 children here.
The supplies are not only expensive but also difficult to get to the children.
In order for us to get these supplies at a cheaper rate
we have to go into town and find a wholesaler.
Once we acquire the supplies we then have the long hike to get it all back to Rising Lotus.
The bus from the city doesn't go all the way to the front door,
so we have to carry everything up the side of the mountain.
It's a beautiful view which makes the breaks that we have to take well worth it.
But, we are still hauling notebooks up a mountainside.
Now, imagine repeating this same process
for nearly every supply the children need.
As you are thinking about what you are grateful for this Thanksgiving,
I hope you'll add "convenience" to the list.
The luxury of anything you need being just a Target store away.
I never realized how much I could learn to appreciate a simple notebook.
– Metha
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subset: commoncrawl


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Topping my to do list this time of year is the task of writing thank you notes for all the lovely presents I received! Thankfully (ha!) my dear cousin Chelsea gave me these beautiful Kate Spade thank you notes which makes it that much easier to check off the list. With quips like "you shouldn't have, but I'm so glad you did" and "how did you know?", these newest additions to my stationery collection make saying merci that much merrier.
3 thoughts on "You've Done It Again"
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ooh i love these!
stop by and enter my GIVEAWAY:
awww, how cute!! I love Kate Spade : )
Kate always does it, isn't it 🙂 lovely notes!


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Farug had asked last weekend if I had any sword patterns that he could practice by himself at home with his bokuto.
I general you can take any iaido kata and practice it with a bokuto. And, you are certainly welcome to do them standing rather then sitting or squatting, and decompose them as much as you wish. That's what I have always done. That and just practising the basic cuts over and over.
Anyway, I had come across a series of videos that I think would be useful if you wanted to do pattern practice at home.
This link shows the the "Japanese Sword 101" videos that Sensei Dana Abbott has produced.It's a kind of promotional material for his site "Learn the Sword".
I think most of the patterns are made up of kata from the Seitei set and Toyama Ryu (which i know next to nothing about. Anyway, sword is sword.
Here's a couple vids. You can find more in the above link.
Blog >


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Utah Proves to be Too Much For Gophers
The University of Minnesota men's basketball team came up short against Utah on Friday night.
Minnesota fell behind early in the first half, and by the break trailed 39-33. Their luck changed in the second half, as Utah committed five turnovers on five straight possessions.
The Gophers outscored the Utes 36-34 in the second half, but it was not enough to reclaim the lead. Minnesota fell 73-69.
Daniel Oturu led the team in scoring with 21 points. Marcus Carr and Gabe Kalscheur also hit double digits, putting up 15 and 13 respectively.
The loss marks the third straight for the Gophers. They fall to 1-3 overall and will return home on Thursday to host Central Michigan. Tip-off is at 7:00 p.m.


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Joseph Schonblum
With an extensive history in culinary arts, customer service and sales, Joseph joins Property.ca with extraordinary drive and a passion for excellence. This Toronto native makes buying and selling homes exciting because he has genuine love for the city, especially King and Queen West, all the way to Leslieville. With some background in finance and experience in listing properties, Joseph loves working with people to acquire the home they've been dreaming of.
Joseph Schonblum is a great guy to have in your corner for any real estate transaction. He truly tries his best to work in your best interest. He is knowledgeable, responds quickly, and has a great network. I wasn't even a client, at the time, but was in immediate need for advice and help, and Joseph stepped right up even taking time on a holiday weekend to review an agreement and reach out to his network for advice. Amazing customer service! Would highly recommend.-Shirley


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Address: Marble St. 5, London, UK
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Living, as we do, very close to the Bay of Fundy which boasts the highest (and the lowest) tides in the world, twice a day we are able to walk far out along the bottom of the sea bed to the edge of the receding water. It is a strange feeling, knowing that within a few short hours the water will be many feet, even meters above our heads as we walk out on the hard sea bottom. It is a constantly shifting underwater landscape, with the perpetual motion of the waves sculpting the sand and rocks into new formations twice a day, every day. The movement of the water doesn't allow for anything but buried sea creatures and crabs to remain for long. It gives a clean sweep, every 12.5 hours. Here it looks as if the sand has taken the form of the receding waves themselves. This is Kingsport Beach, about 10 minutes from where we live.
45 Responses
+Diana Brown it is and
peopletourists ride it in zodiacs for fun!
+Ellie Kennard that's very interesting Ellie – what an amazing place. The bore must be quite something to watch!
+Shelly Gunderson thank you so much. It was unusual even for here.
+Diana Brown thanks Diana. Our tides can be as high as 56 feet , as high as 5 storey building. http://bayoffundytourism.com
It can get pretty muddy at times though.
That's very cool! I have only ever witnessed a tide in Cape Cod Maine as a kid. Don't remember it being so textured or layered. Beautiful!
+SHOGO YOSHIDA thank you!
That's a great shot and your description is so interesting Ellie. How wonderful to be able to walk out at low tide. We live near Morecambe Bay, with has very high and low tides, but quick sands make it too dangerous to walk out. We enjoy the stunning sunsets instead.
Very interesting the data it provides. Great photo friend.
+Bev Potter you had a lovely day for it if it was the same as here! Next time maybe you can make it to the bay.
+Ellie Kennard we were at Parlee Beach yesterday with my son, daughter in law and 5 grandkids. We were going to go to the Bay of Fundy to see the low and high tides but ran out of time.
+Kitten KaboodleInc thanks so much!
+Ellie Kennard beautiful tones and scene Ellie!
You are well come madame, thanks full to your riplaye it's honer for me, and also you prof that I was right+
Thanks +Mohammad Rafique
If I say some trueth that painter is beutyfull morethan
Picture, but hold """""" somewhere I feel that both are really nice .
+Christina Lihani it's unique, for sure, if a little unnerving is you think about it too much. At least for me it is!
+amaral filho Amaral thanks!
Lugar lundoo
Wow! That's fascinating!
+Ellie Kennard You're most welcome, Ellie! I'm wishing you happy weekend, my friend!
+Dorota Dylka thanks very much! Lots of space indeed as the movement of the water doesn't allow for anything to remain for long! A clean sweep, twice a day, every day.
lots of space… lovely subtle colours… nice!
+Ellie Kennard You are most welcome, our pleasure!
+patrick tracey thank you!
Thanks a lot +Sumit Sen
Yes , strange, isn't it. +Lynn David Newton? It's stony or rocky in places and very muddy in others. This section is just heard sand worth occasional sink holes. Not too cold water, though, as by the time it had come all the way back in across that hot sand it gets pretty warm.
Thank you. +Chandler L. Walker and. +Landscape Photography for the comment and the reshare. It's much appreciated.
Thanks Linda. We did have a great walk and will have more, I'm sure. +Linda Jess
Thank you. +Cynthia Carden Gibson
Thanks a lot +Willie Scott and it would be great to see you here one day.
+Susan Gabriel thanks!
+Christine Bichler it is a fascinating experience and best appreciated when you live close by. Those with live web cams now, anyone can watch it.
Thanks so much. +Sonali Dalal
Thank you, very much +David A Fishel
Thanks +Lisa s – hope you are well!
+Photo Mania Canada and. +Giselle Savoie and +Mark HELM thank you!! Have a great day yourselves.
+Photo Mania Global I am honoured and thrilled to have my photo selected to be shared on your page. Thank you so much +Igor Schevchenko
Dear +Ellie Kennard
Congratulations! Your wonderful photograph has been selected through +Photo Mania Canada to be displayed at +Photo Mania Global ! You're cordially invited to visit us at +Photo Mania Global and check out the daily selection of the very best photographs from all over the world shared at our Photo Mania country pages!
+Igor Schevchenko is wishing you a lovely day! 🙂
Great capture and another location added to my list of places to visit!
Beautiful image, +Ellie Kennard!!
Great shot Ellie you really captured how it looked. Was glad to have been there to share it with you. Will do it again soon
Such stark contrast of the earth to the blue sky. It is amazing to think waters will cover this area soon. +Ellie Kennard, it is my pleasure to share this beautiful photo with the +Landscape Photography page. Thank you for sharing with the #LandscapePhotography theme!
Extraordinary. I would have expected it to be much more rocky. Instead, it appears to be sandy. When I lived in Maine, I lived a couple hundred yards from the ocean coast and walked down to look almost every day. It was very rocky. In the time I lived there I was once able to get out in that water and swim in it for a few minutes. It never got warm. And my feet stood on rocks. (I'm a good swimmer, but didn't go out above my head.)
What a beautiful image, Ellie!! Thank you for sharing your world!
Lovely capture!
Beautiful and nice i like it lovely
Congratulation +Ellie Kennard your photograph has been selected to be displayed at +Photo Mania Canada #photomaniacanada. Thank you for sharing your fantastic work us!
Have a great day! 🙂
+Giselle Savoie and +Mark HELM
Beautiful photo!
What a wonderful photo!!
Amazing !!
awesome, I didn't know that you live in this region, I remember I was somewhere at the Bay of Fundy when I visited Canada many years ago, I guess it was at a tourist spot, many people walked around, but it was very interesting to watch the boats moving with the tide!
Beautiful ♡
+Shawn Reynard – I am a little awed each time, to be honest. It is a strange feeling.
It is indeed, +Robert Britton
It is nice to take full advantage of your environment
Wow.. Amazing to see such a sight +Ellie Kennard


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Why I'm here: I've seen first-hand that there is no more basic need than water.
What I love about my work: Connecting with our supporters who are touched by our mission, and connecting with the villagers whose lives are changed by it.
Why I'm here: I've seen first-hand that there is no more basic need than water.
What I love about my work: Connecting with our supporters who are touched by our mission, and connecting with the villagers whose lives are changed by it.
Why I'm here: I am overjoyed to be a part of delighting people with clean water on the other side of the world.
Why I'm here: Four years ago I was offered the position with this remarkable non-profit. It was just a job to me but it has become so much more.
What I love about my work: I am reminded every day that there are hundreds of generous people who give from their hearts to affect the lives of thousands. I am humbled and inspired by our donors and our recipients.
Why I'm here: I've used my skills in many different industries, but the last several years of working for Water to Thrive's mission to bring life-changing water to families in east Africa have brought incredible motivation and purpose to each day.
What I love about my work: I am blessed to witness such dedicated acts of kindness from our amazing donors, whose hearts are moved to change the lives of others. They honor us with their trust and act through their donations to sustain our work.
Why I'm Here:
I am drawn to our mission because of the everlasting effects of clean water and aspiration to change lives for the better.
What I Love About My Work:
The compassion and generosity of our donors brings positive change even beyond water. It's an honor to work here!
Why I'm here: I am forever grateful for the opportunity to work alongside a team of individuals who possess such wonderful hearts and compassionate spirits.
What I love about my work: The beautiful smiles and joyful hearts of children who receive clean, safe water for the first time is truly inspiring and amazing. Though they have very little, they are truly thankful for what they do have. You can almost hear the laughter when you look at a photo of their joyous faces.
Why I'm here: I've witnessed rural, marginalized communities in East Africa that benefit from our water projects, and how people's lives are being changed.
What I love about my work: Working in partnership, bringing higher impact to a community with minimum administrative costs, sharing different experiences with various cultures
Why I'm here: Providence….that sums it up best. From the beginning, there was no grand plan. Things just started happening…..hearts opened, minds went to work, contacts were made, word spread. So many generous, caring people have helped make this possible. It has been a blessed journey!
What I love about my work: Witnessing the joy and gratitude from the blessing of clean safe water! This photo of eight-year-old Alimetu splashing clean water on her face for the first time says it all.
Water to Thrive Board of Directors
Dick Moeller, Chairman | Joel Hinkhouse, Vice Chairman | Ed Scharlau, Treasurer | Carol Kaemmerer, Secretary | Ryan Sutton | Sally Mallowa Obura | Paul Elbert
Got what it takes to work with us? We're on the hunt for talented interns and volunteers.


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Jesse Williams Counseling
....helping you move forward.
My role as the counselor is to partner with you and provide a compassionate, non-judgmental, unbiased ear as well as to utilize evidence based practices that can help you gain insights, make changes, and reach potentials within yourself.
I help individuals who are having challenges due to anxiety, depression, relationship concerns, trauma, life transitions, and those who are on any personal journey toward self-growth. Regardless of the challenges, the pain or confusion that you may be facing, I believe that you have the potential to grow, change, and heal.
More About My Approach:
First and foremost, I do not utilize a "one size fits all" approach to therapy. We all have unique backgrounds, ways of thinking, processing styles, and ways of being in the world. That said, the therapeutic process must be as unique as you.
I utilize various modalities including:
-person centered therapy
-CBT (cognitive behavioral therapy)
-solution focused therapy
-gestalt therapy andmindfulness techniques.
- feminist therapy principles
The objective of any of the therapeutic approaches that I may use is to help you to utilize the creative power within yourself to create the movement in your
life that you hope for. I view counseling as a dynamic, collaborative process aimed at exploration, awareness, integration, and healing.
My Services
I am a Licensed Mental Health Counselor, licensed to practice psychotherapy
in the state of New York. I received my Masters (MS) in Mental Health
Counseling in 2012 from The College at Brockport.
I offer individual counseling services for:
- college students
- adults
- veterans
Therapy Hours:
Th- 10-4
(Please note: I am available off-hours for phone consultation and appointment setting).
Fees: Private pay therapy sessions are $90 per 50-60 min. I do use a sliding scale under certain circumstances.
"A person is a fluid process, not a fixed and static entity; a flowing river of change, not a block of solid material; a continually changing constellation of potentialities, not a fixed quantity of traits."
― Carl R. Rogers
Schedule a Session
To schedule a session, please email or call.
25 Canterbury Rd.
Rochester, NY 14607


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Archive for the 'Baby Necessities' Category
As you are preparing for the new arrival to add to your little family unit, we thought you may find the below baby necessities list of use. As the founder of Mumty Bumpty is pregnant herself she has collated the below list to aid any other mum-to-be's.
You may not have the finances or have absolutely everything sorted on the below list, but it's a good guide to get you started. You may also be fortunate enough to be given some baby things second hand.
Baby SleepingMoses basket or crib Moses basket or crib mattress Bedding Baby monitor Nightlight Baby sleeping bag
Baby ChangingChanging mat Sudocrem Nappies (cloth or disposable in various sizes) Nappy wipes Scented nappy bags (to keep away the smells!)
Baby BathingBaby bubble bath Baby shampoo Baby talk Baby oil Cotton wool and buds Baby grooming kit (hair brush/comb, nail clippers etc) Bath towel(s) Baby bath or ramp
TravelingPram/stroller (lots and lots of options!) Rain cover and umbrella for pram (best to cover all weather conditions) Baby Car Seat Sun shades for the car Sling Changing Bag Travel Cot
Baby FeedingA good NURSING BRA (at least 2) Nursing Pads Nursing Top(s) Bibs Muslin Squares Feeding pillow If bottle feeding: Teats, Formula, Bottles & steriliser
Baby ClothesBaby Grows & Singlets Sleepsuits Socks Scratch Mitts Baby Cardigan Trousers and/or Dresses (depending on baby's gender)
Baby AccessoriesBaby Mobile Play mat Bouncer chair First aid kit Thermometer (room and bath one)
There are so many baby things that aren't listed above which you may have bought, may have been given or think you will need or use… There are new things entering the market every day, some better than others. Some new parents cope with very little and others buy everything they can think of and end up not using a lot of things, so try not to get too carried away if possible.Last but not least… have fun while preparing for your little babba's arrival!


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I had to make a hard decision today. One choice - go to another yoga class at the famed Yoga Barn of Ubud - (Valhalla for yogis, Shiva Rea had even been there just two weeks ago), or go to the Monkey Forest.
Ubud has to be one of the most beautiful places that I do business in, and my hotel is so worth all of it's $25 a night. The grounds are beautiful, and I fall asleep listening to just the peeps, croaks and clacks of the frogs and lizards, and wake up to the crowing of roosters and cooing of doves. Business here needs to be concluded in the next few days, as we're coming up to Nyepi, or Silent Day or Balinese New Year.
Sometimes I amaze myself with my own stupidity. On the 14th, I was met at the hotel with a driver named Gusti, to take me to my shipper, Mr. Gusti. I've spoken with Gusti over the phone several times, and we've emailed a bunch, but I hadn't been to his office yet this year, and looked forward to seeing him again. We went past his office from last year, and I didn't think too much of it, as they have several different warehouses. So we get to this new warehouse, I get into the office, and someone sticks out their hand for me to shake.
My first action on arriving to Bali was to take off my shawl. I had only seen one pair of bare shoulders on a woman (and that was at the airport) the whole time that I was on Java. I immediately felt weirdly exposed and underdressed, but got over it within the first fifteen minutes. I've either got prickly heat or heat rash or scabies or there are things in the bed at the hotel. Time for a tube of Dr. Singh or Tiger Balm, or whatever the local menthol goop is.
The airport coffee shop was selling Luwak coffee at $6 a cup, it's the coffee made from coffee beans that have been pooped out by civets (think weasels) Other than the unsavory aspect, it also sounds like the potential for exploitation off the little critters, like being force-fed. Otherwise, my Bro would be receiving a bag of Luwak coffee, he'd expressed interest in it at one time.
The best laid plans..... I thought I'd be in Jakarta tonight - ha - When I got to the Semarang Airport, there was not one seat available today to Jakarta. Not with Garuda, nor Mandala, nor Lion air, nor Batavia. I was told that this was because of the long week-end, people had taken off. No problem getting a ticket for tomorrow morning, so on the bright side, I get to stay at the (in)famous Hotel Candi Baru here in Semarang.
Today is a Sunday and pretty much everything shuts down. I'd planned on going on a walk out to the beach, but the thunder is rumbling and the clouds are getting really black. Since tomorrow is a Muslim holiday, hence no work, I've decided to head back to Jakarta a day early. It's OK, I've decided that I'm going to be working with Derrick and Anna. The vivacious and charming Anna is Indonesian, and Derrick is an ex-pat Welshman with over 20 years under his belt as a furniture man.
It's only 6:30 p.m., and I am completely beat, it's going to be an early night. I don't have a clue about anything yet.. I thought I'd go to the bus station, there IS no bus station, you just find the right road and wait till the right bus comes along. What was supposed to be a 11/2 hour trip was closer to 3 hours, and my alarm clock, which also has a thermometer and flashlight in it, said that the bus was 98 degrees. Easily.
Men in ikat sarongs, covered up ladies, the call to prayer and the pungent odor of kreteks, or clove cigarettes. We are soooo not in Kansas anymore. When I got up this morning the only thing planned was that I had a one way ticket to Jakarta. I thought that last night I'd have time to make some further travel plans, but the plane was late leaving Chiang Mai so as it was, I barely got five hours sleep before leaving Bangkok this morning.
Talking to Adun's partner yesterday, it was as I suspected, Adun was down selling at the Chatachak Market in Bangkok. Sales are off for everyone, so they are doing whatever it takes. Unfortunately for Adun, with the the two women who stole his bag, "whatever it takes" means theft. He was just starting to set up at the market on Saturday when two women came into his stall and made off with his valise. It had his keys to the booth, his clothes, cell phone, credit card and the previous day's receipts.
Permanently Closed
© Ginger Blossom | All rights reserved.
Site and Mobile DevelopmentSusan Sullivan Design


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Steve Sutcliffe went to BMW's Miramas test track in southern France to drive a late Z4 prototype, one of the first two results of a joint venture between BMW and Toyota, with the other being the upcoming Supra.
Which brand did what exactly during a painstakingly long development process, we may never know. On one hand, I was told by a group of BMW engineers that they developed both cars, in return for some of Toyota's electrification technologies. Ask Toyota about it though, and they make it sound like they did the fine tuning, at least for their car.
But BMW's intentions are clear, and not just with their roadster. While the Z4 is lighter, stiffer and much more powerful than its predecessor, it also has a lovely balance thanks to its adaptive dampers, sharp steering and electronic rear differential. 340 horsepower may not sound like a lot today (US M40is will get more power, 382, thanks to a missing particulate filter), but Steve Sutcliffe reckons that thanks to its setup, the Z4 M40i is as quick around the Miramas circuit as an M2, without ever being as challenging to drive as a proper M car. And having driven their M850i prototype just recently, I know what they are on about.
The M40i will be followed by a bunch of less powerful Z4 variants, as well as a proper Z4 M. You also get 20 percent more cargo space, and a weight saving of 110 lbs. over the old Z4, a car BMW would like you to forget about right around next March.


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Whatever industry you're in, if you're a consultant, or working for a consultancy business, you're going to face unique challenges and tight deadlines. The last thing you want is to be struggling through painful admin in the eleventh hour when a client is waiting on a deliverable.
Focus on what's important by automating many of the tasks that drain the time out of your working day, thanks to the tools in the consultancy sales stack we've curated.
Our sales stack features technology that will help you streamline your deal, client and task management, automate your marketing and lead generation and make sure you're getting paid on time.
Outfunnel is a sales-centric marketing automation tool that integrates with Pipedrive.
Here are two of the key benefits of using Outfunnel:
BBMG Consulting creates tailor-made brand solutions from its offices in New York and San Francisco. They use the Pipedrive and Outfunnel integration for their marketing.
"It happens in the background and gives me more intelligence," says BBMG's Business Development Manager, Liz Courtney. "I don't have to manually add people to our newsletter, plus Pipedrive and Outfunnel are super affordable, and as a small company our marketing budget is pretty slim so I appreciate that!"
You can read more about how BBMG use Pipedrive and Outfunnel in our case study.
With prospecting tool Prospect.io, you can find the email addresses, phone numbers and job titles of potential clients.
Once you have the email addresses of these prospects, you can start sending them emails through the platform. You can even create and customize your own drip campaigns on the following providers:
Measure the effectiveness of your drip campaigns by tracking the following using Prospect.io:
Around 67% of the most impactful marketing strategies for consultants are related to the web, and email marketing is one of the best to start on.
You can read how Nirmal Web Studio boosted its sales 50% in a year using Pipedrive and Prospect.io in our case study.
Automate your marketing with ActiveDEMAND, whatever industry you're in. However, if you're a marketing consultancy, ActiveDEMAND could even provide you with a suite of specific marketing automation tools.
ActiveDEMAND integrates with Pipedrive and enables you to create:
ActiveDEMAND also has a number of specialized platforms for different industries. With ActiveDEMAND's Marketing Agency Portal, for example, you can create a single marketing portal to manage all of your clients.
From the portal, you can execute your email marketing campaigns, deliver your results to clients and customize communication so that it has your brand's look and feel.
White label ActiveDEMAND so that you can give your clients access to a professional, powerful marketing automation platform that has your branding on it.
Read how consulting agency Flowbird uses ActiveDEMAND and Pipedrive in our case study.
Motivate your team with Pointagram, the gamification tool that enables you to create fun sales target competitions and visualize them on a screen in your office.
Perfect for big sales departments with different teams or large numbers of reps, Pointagram uses your sales pipeline data to track your sales team's progress in a competition dashboard.
You can award top performers with badges and achievements and survey your team to find out how you can improve their working environment.
Pointagram also lets you create educational quizzes around whatever you want. Use them to make consultancy sales training more fun and engaging.
Of course, Pointagram isn't all about competition, as there is also a chat function where team members can send congratulations and encouragement to colleagues.
Read our case study to find out how React & Share used Pointagram and Pipedrive to hit their sales goals.
If you're a consulting business, you have to be flexible. That means different plans, different prices and many different invoices. Xero makes your invoicing far easier, giving you a real-time view of your cashflow.
Accounting software like Xero enables you to:
According to the Payment Practices Barometer, 50% of invoices received by businesses in North and South America from B2B customers were overdue in 2018.
In the US, 91% of businesses reported that they frequently experienced late payment from B2B customers.
Xero gives you the insight to track at what stage your invoices are, enabling you to chase up clients who are approaching their payment deadline so that you are less likely to experience low cashflow.
With project management tool Asana, you can visualize your 'to do' list for any client in a way that makes it far easier to track, whether you're working as an individual or as a team.
You can structure your projects on Asana and assign each to a team or team member.
Each task has a section where you can share notes and details with your team, without leaving Asana.
Schedule your calendar with the Gantt chart view, so you can work out which projects will land when and who has time to work on new ones that come in.
The Asana and Pipedrive integration becomes even more powerful when you introduce Slack.
Consultants will often work in a team, managing separate tasks in the same project. Chat service Slack enables them to stay in touch 24/7 with colleagues, whether they're at their desk or on the move.
When Slack is combined with Asana and Pipedrive, you can improve your communication with your team about deals moving through your pipeline and projects you're working on.
Slack is ideal if you need to send quick messages that you want an immediate response to.
With phone solution CircleLoop, you can make your calling strategy far simpler.
Consultants are often working for or on behalf of multiple clients, which requires multiple phone numbers or destinations, multiple integrations (depending on the CRM the customer is using) and often multi-layered menu structures.
CircleLoop simplifies communication management for consultants and is designed specifically with integrations in mind.
Here are just a few of the features that could prove useful to consultants:
The phone can still be a useful sales tool if you use it the right way. Coupled with the right technology, and an understanding of your target market, you'll connect with new prospects and generate leads in no time.
Here are some cold calling scripts to get you started on your new calling strategy.
Pipedrive is a top-reviewed sales CRM software that gives you a clear but in-depth view of your sales pipeline. The simple-to-use Kanban pipeline enables you to track the progress of deals and potential clients from first contact to first contract and beyond.
Assess the effectiveness of your lead generation and engagement strategies with the Reporting dashboard, which you can customize to get an encompassing or in-depth view of your sales process.
Organize by creating new pipelines for different clients, industries, products and team members. If you're in charge of the sales team at a consulting firm, Pipedrive has great features for managers as well, including Goals and Team Goals, which allow you to create specific targets for different colleagues.
With the Forecasting feature, use the data you add to Pipedrive to work out how much revenue you will bring in in the next quarter or year, and how many new clients you could attract to the company.
Pipedrive also integrates with over 150 different tools and apps through the Pipedrive Marketplace. The tools below all integrate with Pipedrive and have great capabilities for consultants.
Read our article to find out exactly how a CRM tool can help any consultancy business.
Start or continue the conversation with like-minded sales and marketing professionals on our Community.Join our Community
Pipedrive's Messaging Inbox helps you chat and track conversations from Facebook Messenger and WhatsApp Messenger in one place.
WhatsApp for business helps small businesses increase their online presence and connect with customers. Read this guide to learn how to use WhatsApp for better sales.
Facebook Messenger (sometimes just called "Messenger") is a chat tool within the Facebook platform. Brands use Facebook Messenger to answer customer service questions, nurture leads, and engage with their Facebook followers. Find out how you can use it to drive more sales.


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Amgen steals a march on Sanofi with Repatha NICE approval
Amgen has secured a recommendation for its new cholesterol drug Repatha (evolocumab) from NICE, giving it a major advantage on Sanofi/Regeneron's rival Praluent (alirocumab).
NICE rejected any use of Repatha on the NHS in November, but has changed its mind after the company submitted a re-analysis of the data. England's cost-effectiveness watchdog says the drug can now be used in patients with the most hard-to-treat high cholesterol, as long as it provides the agreed Patient Access Scheme price discount.
The decision puts Repatha ahead of Praluent, which NICE rejected yesterday in separate draft guidance.
However use of the drug has been restricted, with only a fortnightly dosing, rather than the monthly version recommended, and only those patients who do not respond or cannot take statins offered the injection.
Tony Patrikios, Executive Medical Director, Amgen UK & Ireland, welcomed the about-turn on Repatha, but said: "Beyond these draft recommendations, another priority will be patients with existing cardiovascular disease who fail to reduce their LDL-C to a satisfactory level, despite the use of statins and who remain at high risk. For them, access to new treatment options is critically important to help avoid a heart attack or stroke," he stressed.
NICE said Repatha can be used alone or in combination with other lipid-lowering therapies against primary non-familial hypercholesterolaemia, primary heterozygous-familial hypercholesterolaemia and mixed dyslipidemia.
Sanofi and Regeneron have not yet offered a Patient Access Scheme for Praluent, but they almost certainly have to do so now, given that its rival PCSK9 inhibitor has been given the green light.
While both drugs have been shown to be very effective in reducing cholesterol levels, neither has yet proven that this, in turn, lowers a patient's chances of a heart attack or stroke.
Praluent and Repatha have very similar list prices, Sanofi/Regeneron's drug costing £168 for a 75 mg or 150 mg single-use prefilled pen (excluding VAT), while Amgen's costs £170.10 for its equivalent 140 mg prefilled pen or syringe.
Repatha's annual cost of treatment per patient is around £4,448.60 for 140mg every 2 weeks, with Praluent expected to have similar yearly costs. Repatha is also available as a monthly dose, costing £6,123.60 for a year's treatment.
These figures are around 50-60% lower than the US list price, and news of this price difference in September further stoked controversy around US drug costs.
Both companies are pursuing long-term, large-scale trials to see if the drugs can cut the number of CVD events. One such trial is Sanofi/Regeneron's ODYSSEY OUTCOMES. This is an 18,000-patient study looking at Praluent's benefits in patients who have already suffered an acute coronary syndrome (ACS), such as a heart attack or angina. However this trial won't be completed until 2017.
A consultation on the Praluent decision will now run until 29 February to comment on the preliminary guidance, with NICE's committee then reviewing these submissions on 9 March.
Read NICE's draft guidance on Praluent here.
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President Yoweri Kaguta Museveni has promised to construct primary school at every parish level across the country.
President Museveni made the remarks while addressing teachers celebrating the international teacher's day at Lugogo cricket oval grounds.
He says Currently government has constructed 12000 government primary schools across the country but they are not enough.
He says at every count, vocational institution will be constructed in all the 293 counties across the country
He says this will improve on the literacy level in the country which stands at 75%. He also ordered that the 25 billion shillings teacher SACCO money to be given to the teachers.
Out of the 25 billion shillings the teachers have received only 5.8 billion shillings the balance is still with the Micro finance support Centre.
He asked the teachers to work as change agents in the community to help the people engage in development activities.
He says 68% of the people are not enhancing in any development activity


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A change to the rules on Penalty Clauses
The UK law relating to penalty clauses has often been cited as an antiquated and out of date rule which has failed to move with the times.
The Supreme Court has recently considered the rules on penalty clauses in the two cases Cavendish Square Holding BV v Talal El Makdessi [2015] and ParkingEye v Bryant [2015] and introduced a test that will consider the wider commercial context of a transaction.
What is a penalty clause?
In essence, a penalty clause is a provision within a contract which imposes an excessive monetary penalty on the defaulting party. Historically, penalty clauses have been held to be unenforceable by the Court if they did not provide for a genuine pre-estimate of loss.
In the case Cavendish Square Holding BV v Talal El Makdessi, Cavendish received a controlling stake in a holding company from Makdessi and subsequently became the majority shareholder. Under the terms of the contract between the parties, Makdessi was prohibited from competing with the company. If he did, he would forfeit the right to the final two payments and could have been required to sell his remaining shares in the company. Makdessi began to compete and when action was taken as a result of the breach, he argued that the clauses were in fact penalties and were unenforceable.
In an entirely different set of circumstances, the Supreme Court jointly considered ParkingEye v Beavis in which the Court of Appeal had previously held that a parking charge was not a penalty clause as it protected the legitimate interests of the company. ParkingEye owned and operated a car park located outside retail premises and provided free parking for a maximum period of 2 hours. However, the conditions of parking imposed a £85 payment if a vehicle overstayed this allocated time.
The Supreme Court agreed with and upheld the Court of Appeal's decision stating that "deterrence is not penal if there is a legitimate interest in influencing the conduct of the contracting party which is not satisfied by the mere right to recover damages."
What is the new test?
Under the new test, the Court will analyse whether the clause is too harsh when measured against the innocent party's interest in ensuring that the other fulfils their obligations.
There are three limbs to analyse whether a clause is enforceable:-
1. Does the innocent party have a legitimate interest in enforcing the clause?
This test requires an analysis of the innocent party's legitimate business (or wider) interests.
In ParkingEye v Beavis the Court held that the company had a legitimate interest in enforcing the £85 charge on customers who overstayed their allocated time in the car park. This interest was to encourage trade by ensuring the continuous movement of vehicles and to enable ParkingEye to generate a profit to maintain the commercial viability of the business. The charge was also similar to what other operators were charging in the region.
2. Does the clause have an adverse impact that exceeds the innocent party's legitimate interest?
This limb of the test is quite subjective, however, normally it will be measured against the greatest loss imaginable. The clause should not be "exorbitant or unconscionable" when applied against the interest being protected.
3. Is the clause a primary provision of the contract?
The Court suggested that a clause will only be considered to be a penalty clause, if it is a secondary contractual provision. Although a point of caution - a recent late change to the judgment casts some doubt on the exclusion of all primary provisions.
Key Questions
Key questions to ask yourself in relation to any potential penalty clauses include:
- Are you seeking to protect your client relationships or safeguard confidential information and trade secrets?
- What will be the impact in the event of a breach and are the consequences of such a breach served and protected by the clause?
- Does the clause go further than necessary to protect the company's legitimate interests?
The new test is a welcome change to the law on penalty clauses and it appears that the previous test of a 'genuine pre-estimate of loss' is no longer relevant.
This is good news for businesses as the Courts will now consider the wider commercial context of a transaction and have emphasised their reluctance to get involved where the parties are of equal bargaining power and have entered into a contract on the basis of sound legal advice.
However, the test is still not straightforward and there may be more litigation on the horizon in relation to the interpretation of the new test.
For more information please contact Alice Daniels, Associate in the Commercial & Regulatory Disputes team on email@example.com or 01392 687534


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Orthox has developed innovative tissue regenerative implants which enable patients who have suffered injuries to the cartilage and meniscus in the knee to return to a fully active, pain-free lifestyle. This is achieved through Orthox's proprietary technology, FibroFix, a natural biomaterial which is uniquely suited to addressing injuries to cartilage and meniscal tissues.
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So, you're shortly to welcome a new arrival into the world, and the adventure of pregnancy is about to give way to an entirely new one – that of motherhood itself. But as your due date draws nearer, you can never be totally sure exactly when your little one will make an appearance. This is why it pays to be prepared, and to get your hospital bag ready from around week 36.
Whether or not you're planning a hospital birth, you may have to have one anyway, so it's always worth having your bag ready to go. But what to pack in a hospital bag?
Your midwife will be able to provide further advice on this matter, but to help you in preparing for birth, we've put together a handy list of hospital bag essentials which you should be taking with you.
For mum: before and during birth
For a start, it's important not to overload yourself with things you don't really need – your practical necessities and a few things to keep you occupied should suffice – so your pre-birth hospital bag should include:
- Your birth plan and hospital notes. Your birth plan will provide the medical team caring for you during labour with guidance as to the kind of labour and birth you want to have, so it's important to have this to hand.
- A lightweight dressing gown.
- Cosy, backless slippers (these are easiest to slip on and off) and socks to keep your feet warm, especially during labour.
- An old, baggy t-shirt or nightdress to wear during labour – you'll need to wear something that neither restricts you too much nor keeps you too warm.
- Massage oil, if you wish to be massaged during labour.
- A TENS machine to provide pain relief.
- Water spray or a fan to help keep you cool.
For mum: after delivery
At this point it's important that you think about yourself as well as your new arrival, and especially your health. You've been through a very stressful time and now it's important to sit back and relax before the real work of parenthood begins! With that in mind, you should also have a bag prepared for after the delivery that contains items like:
- Breast pads, as well as sanitary and maternity pads.
- 2/3 changes of clothes, as well as sufficient underwear (including supportive, comfortable bras). It's best to pack old underwear or underwear you're prepared simply to throw away.
- A wash bag with the toiletries you'll need – including toothpaste and toothbrush, lip balm, hairbrush (and hairbands or a clip, if you have long hair and want to have it tied up), soap and deodorant. Don't forget towels, too.
- Snacks and drinks. Childbirth is, after all, hungry and thirsty work!
- Spare pillows – there might not be enough to keep you comfortable at the hospital, so it's worth coming prepared.
- Things to keep you occupied. As well as your phone (and charger), these might include magazines and books.
For baby
Think of this as something of a pamper package, the kind of hamper you might receive when you arrive at a hotel or spa in many ways! Welcome them into the world and treat them to a few luxuries like:
- Nappies and other baby toiletries, including wipes.
- Baby clothes. Make sure these are seasonal and appropriate for the weather, so that your baby is comfortable and shielded from the elements when you're leaving hospital.
- A baby blanket, muslin cloths and bibs.
- Socks and booties to help keep your baby's feet warm (they can get cold easily).
- Scratch mitts and a hat, just in case it's cold when you and your baby are heading home.
Also, don't forget to ensure that you have a suitable child car seat (you'll need an infant carrier) ready so that you can transport your little one home safely and comfortably when you both leave the hospital.
Of course, if you're expecting twins (or more!) then you'll need to consider taking more than one hospital bag with you so that you can store extra supplies. But however many new arrivals you'll be welcoming, we hope you'll all create many happy memories together – and that our quick checklist here helps make everything as stress-free as possible. Good luck!


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Due to the Covid-19 situation, our children have heard our teachers and parents repeatedly stressing the need to maintain personal hygiene and social responsibility. They also had the opportunity over the past weeks to write, draw and/or record their appreciation to the frontline teams (such as the healthcare professionals). We know that many children would have questions about the current Covid-19 situation, and parents would be wondering how to talk to the children about the Coronavirus.
In My First Skool, we believe that such life situations present invaluable teachable moments for us - teachers, parents and/or grandparents - to talk and learn alongside our young children and help them better understand the Covid-19 situation as well as how they can take preventive actions to take care of themselves and their families and friends.
My First Skool has published this special e-book on COVID-19, titled, "Covid-19, A Child's Voice" – aimed at allowing our teachers and parents to talk with our children, to share information and understanding of the Covid-19 outbreak, through the medium of storytelling.
This bilingual (English and Mandarin) and illustrated e-book explains to children what the Covid-19 virus is, how it can affect us and how we can protect ourselves from it. This is Edition 1, as we will continue to develop other editions to share updated and accurate information as the Covid-19 situation evolves.
We hope that parents will find this e-book informative and engaging for you to talk with and learn alongside with your young child/children.
Enjoy the read!
You can download the e-book here:


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9:29 AM, 15th June 2018, About 4 years ago
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I'm writing to draw your attention to a piece recently produced by the RLA relating to Universal Credit, Full Service.
If you follow the link, click here, you'll find an excellent article, produced by Natalie Williamson, RLA after she and Richard Jones (RLA solicitor) visited Widnes Jobcentre Plus to view, first-hand, Universal Credit's "Full Service" in operation. As you may know, Full Service is also called the "digital service" which requires tenants to make their claims and changes in circumstances online.
Widnes JCP, in effect, pioneered the "digital" delivery, which, by the end of this year, should be operating in all UK areas. Overall, the visit seems to have been a success and, most probably, a better experience than both expected. I suspect that's because Widnes has already, two years of knowledge & experience, under its belt, dealing with the many issues that arise. DWP should make sure Widnes is presented as a beacon site, to others currently grappling with UCFS and those that take on the task in the coming months & years ahead. The many landlords that contact me for advice & assistance, are usually doing so because they are either ignored or fobbed off by DWP, so it's good to hear a more positive picture.
Landlords accommodating LHA/UC claimants should take a few minutes to read the piece and familiarise themselves with the operations of the new scheme. Doing so, may save you from encountering losses further down the line as Full Service expands in area and numbers.
At the moment, there are 900,000 claimants, UK wide. By March 2023, DWP expects to add a further 6 million claimants, many of whom will be PRS tenants. It's taken DWP 5 years, to build up its current caseload. For those of you who have UC tenants, you should already have experienced some of the difficulties, caused by the introduction of the new scheme. The accelerated rollout will, most certainly, attract many more problems, causing landlords further financial pain. If you do, remember and complain to DWP and, if need be, the Independent Case Examiner.
If you don't know when your area is designed to move to Full Service delivery, check the following link https://assets.publishing.service.gov.uk…hedule.pdf and you should see your nearest Jobcentre and go-live date.
If you have any queries about this topic, feel free to get in touch with us using the contact form below.
Previous ArticleDilemma on arrears, eviction, and late deposit protection?


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Vancouver is a numbered referencing style commonly used in medicine and science, and consists of:
It follows rules established by the International Committee of Medical Journal Editors, now maintained by the U.S. National Library of Medicine. It is also known as Uniform Requirements for Manuscripts submitted to Biomedical Journals.
This guide is modeled on Citing Medicine: The NLM Style Guide for Authors, Editors, and Publishers (2nd edition). You may wish to consult this source directly for additional information or examples.
Printing this guide: Please note that printing directly from pages in this guide may alter the citation formatting display. A printable document is available below. Note that this document is adapted from this online guide and does not contain all information and examples. Please use it in conjunction with the online guide which is more regularly updated.
Please check with your faculty for any specific referencing or formatting requirements
Referencing your own appendices in your own text:
Referencing appendices not written by you:


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Mark Sheldon of MLB.com has an update on Mark Prior's latest comeback attempt with the Reds, which so far has involved a few relief appearances.
Prior told Sheldon that he's fully healthy and generally pleased with his performance, but the most interesting part of the article is this quote from the former phenom about his life among minor leaguers in recent years:
Some of these guys were born in 1995. They were seven or eight years old when I broke in and I broke in young. I think it surprises people when I tell them I'm 32 because they think I should be older. Fortunately, or unfortunately depending on how you're looking at it, I've been in extended [spring] and around a lot of minor league guys. They have enthusiasm for the game.
I'm on the back side of my career. They're on the front side. You enjoy seeing their desire to play and their will to play. It's refreshing. I can't keep up with them necessarily running and stuff. They keep you having fun. They're fun to hang out with. I've enjoyed my time in the minor leagues the last few years. I don't want to be there, nobody wants to be there, but it's a good bunch of guys.
Prior finished third in the Cy Young voting at age 22, but then saw what had the potential to be a Hall of Fame career ruined by injuries and hasn't thrown a pitch in the majors since 2006. The fact that he's still trying to make it back to the big leagues six years later and has such a good attitude about the struggles he's gone through in the process is pretty remarkable.
Hard not to root for the guy.


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Who Takes the Hit?
In the wake of four airline shutdowns, the sky is falling-on the heads of business travelers.
Four small airlines stopped flying last week. And about the only thing more dramatic than the rapid-fire demise of Aloha, ATA, Skybus, and Skyway was the shoot-from-the-corporate-hip response of the big network carriers.
They quickly added a blizzard of new fees, fare increases, fuel-surcharge hikes, and travel restrictions aimed at business travelers, their most loyal, most frequent, and most profitable customers.
"Desperate people do desperate things," notes the oft-quoted airline watcher Terry Trippler, a travel agent and former airline employee who isn't particularly antagonistic toward his old bosses.
Whenever the airline business turns sour-as it has with metronomic regularity since deregulation, in 1978-the big airlines turn on business travelers. When they drive up our fares and complicate the travel process, we get angry. Then we stop flying or defect en masse to carriers like Southwest, JetBlue, and AirTran, airlines that offer more rational service and pricing policies. That only exacerbates the economic troubles of the big airlines, and they respond by slashing leisure-travel fares below operational costs until several more of them go the way of Pan Am or Eastern or TWA. It happened in the mid-1980s, in the early 1990s, right after 9/11, and it's happening now.
This latest round of sturm und drang in the skies is being blamed on $100-a-barrel oil. Jet-fuel prices have definitely tripled in the last five years and the nation's six network carriers-American, United, Northwest, Delta, Continental, and U.S. Airways-say they cumulatively face about $10 billion in additional oil costs for 2008.
But what is also true is that the big airlines bet fuel costs would decline this year and foolishly reduced their fuel-hedging positions. (By contrast, Southwest Airlines has remained consistently profitable for more than 30 years, partially by aggressively hedging its fuel costs.) More to the point, however, is that none of the carriers that folded last week were specifically doomed by the high cost of crude.
Hawaii's Aloha Airlines was taken down by a combination of poor management strategy (it eliminated inter-island first-class cabins, driving local business fliers to Hawaiian Airlines) and the arrival of a well-financed startup carrier called go! A federal judge has already ruled that go! illegally used proprietary information from Hawaiian Airlines and ordered it to pay $80 million in damages.
ATA Airlines was seriously wounded several years ago when it accepted a short-term financial bailout from Southwest, in exchange for its crucial Chicago hub and other prime assets. When it lost a key charter-travel contract last week, it didn't have enough scheduled service to survive. Midwest Airlines, a niche player with limited financial and managerial wherewithal, shuttered its ill-equipped, high-cost commuter operation Skyway Airlines and turned its routes over to a larger commuter airline.
Then there was Saturday's demise of Skybus Airlines. Launched last May, it burned through tens of millions of dollars offering erratic schedules on tertiary routes (Gary, Indiana, to Greensboro, North Carolina, for example); gave no customer service (Skybus had no published phone number and refused to take calls from its travelers); and used an "unbundled" fare structure (travelers paid separately for everything from checked baggage to notification of flight delays). Its bizarre marketing angle-a heavily promoted promise of a few $10 seats on all flights-guaranteed that anyone who paid $11 felt overcharged.
It was simply a matter of unfortunate timing that those four carriers tanked in the same week. But in response to the unrelated failures, the six network carriers pulled out an assortment of old and failed pricing tactics. They increased the "minimum-stay" restriction on some prices, to force business travelers to buy higher fares to secure the travel flexibility they need. Five of the six airlines are now charging $25 for a second checked bag. (The lone holdout, American, is likely to match the new one-free-bag standard.) Several carriers raised so-called nuisance fees on items such as frequent-flier award redemption and itinerary changes.
The big airlines also raised their fuel surcharges again, a tactic cynically aimed at business travelers. Surcharges are piled atop a business traveler's fare and do not qualify for any negotiated corporate discounts. On some international routes, the surcharge now exceeds $300 roundtrip.
Airlines insist that these new pricing gambits are necessary to cope with higher oil prices, but consider the state of fares since the New Year. Prices have already risen at least six times in the last 90 days, says Rick Seaney, whose FareCompare.com obsessively tracks airline-fare patterns. Seaney adds that prices charged by at least one carrier, Northwest, have jumped by as much as $120 roundtrip since the beginning of the year.
What will business travelers get for all these increases? Less service than ever before, according to the big airlines. Each of them plans to reduce their domestic route networks by as much as 5 percent by the end of the year. That means fewer opportunities for business travelers to fly with them, which will further reduce revenue, thus extending the fear-and-loathing cycle into next year.
The Fine Print.
The big airlines' fare structure continues to be inexplicable. If you want to fly from New York to Los Angeles today, one-way fares on the 2,475-mile route are as low as $379. That's less than 16 cents a mile. But the 374-mile flight between Atlanta and Cincinnati costs $734.50 one-way. That's a staggering $1.96 cents a mile.
Visit Portfolio.com for the latest business news and opinion, executive profiles and careers. Portfolio.com© 2007 Condé Nast Inc. All rights reserved.
Entrepreneur Editors' Picks
This Founder Quit His 'Prison'-Like Teaching Job Within 2 Months. Now, He and His Sister Are Helping Other Teachers Leave the Classroom and Achieve Financial Freedom.
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Apple Asks This Jarring Interview Question as a Secret Way to Evaluate a Candidate


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Options & Accesories
|Stakes with large head
400% larger striking surface than normal stake.
40″ $14.00 ea & 48″ $16.00 ea
*As available
|Galvanized wall poles
High tensile galvanized steel wall poles, 7.5′ $35.00 ea; 10′ $45.00 ea.
Beautiful gloss white polyester powder coated wall poles 7.5′ $39.00 ea & 10′ $49.00 ea.
Trucker's ratchet
If you like this item the way we do, you may want to use all ratchets, rather than staking ropes, to dramatically reduce set up time. 7'6″ & 10′ eave 3,300 lbs $15.00 ea 7'6″ & 10′ eave 10,000 lbs. $22.00 ea
Stake puller
This is the finest stake puller we've seen, and the lowest cost of its type. It pulls 3-4 inches at a time with leverage of 12 to 1. You'll like it $195.00 ea
Triple stake device
This unit allows 2 or 3 stakes to pull as one. Perfect for the ends of a long tent, where you have a 13,000 lb. seam to pull your long tent taut and straight $29.00 ea
|Tent scrubber Tent scrubbers are $14.00 ea. Pole is not included.
|Vinyl glue
8 oz. can (clear for patching) $16.00 ea
1 quart can (clear for patching) $35.00 ea
4 oz. can (color for filling small hole/available in red, yellow, blue & white) $18.00 ea
|Pole Lifter A tremendous device to lift your galvanized center pole(s) into position $159.00 ea
|Ultra gloss sealer
|Windows 40″ wide x 54″ high $39.00 ea


text: To illustrate how the energy performance of existing buildings can be upgraded, the European Aluminium compiled renovation case studies and performed simplified life-cycle-assessments focusing on greenhouse gas emissions. Examined buildings are located in Zeist (NL), Denkendorf (D) and Thessaloniki (GR). The three analyses concluded CO2 payback periods in the range of one to five years. An independent expert has been involved in order to secure the scientific validity and technical quality of the results.


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Pacifico Aquaculture
Ocean Raised Striped Bass
Founded in 2010, Pacifico produces ocean raised striped bass in open, deep, clean and clear oceanic waters. The taste, texture and finish or "meroir" (taste + texture + finish) is what gives fish its distinct flavour profile meaning the combined effects of local environmental factors such as climate and nutrients, directly impact on specific product quality, giving a distinct flavour unique to the environment in which it was raised.
With the ethic of minimal handling equalling maximum freshness, Pacifico products are harvested and instantly put on ice at the FDA, EU and HAACP certified processing plant.
As a producer making significant contributions under the Best Aquaculture Practices (BAP) program, Pacifico's ocean farmed striped bass originate from a BAP-certified facility (farm, feed mill, hatchery and processing plant).
By applying certain innovations in ocean farming, Pacifico helps to maintain the longevity of striped bass along with the health of the ocean environments in which they are raised, ensuring the long term future availability of stock.
Contact Details, Social Media & Updates
Contact DetailsPhone: +1 (619) 919-0886
Website: Visit Pacifico Aquaculture
AddressPacifico Aquaculture
Vista Al Mar 500
Villas San Miguel
22760 Ensenada, B.C. Mexico
More About Pacifico Aquaculture
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'Your Name' Finally Coming to North America
If you enjoy anime or Asian cinema, odds are you've been hearing a lot about Your Name, director Makoto Shinkai's latest completed project. After all, it's been shattering all sorts of box office records since it opened in Japan at the end of summer 2016.
However, if you're a North America-based anime fan, the many times you've heard about Your Name is probably in stark contrast to the precious few opportunities you've had to actually see it. While the film had its world premiere at Los Angeles' Anime Expo in July, and also showed briefly at a single theater in the City of Angels to qualify it for consideration for an Oscar nomination, those are the only two screenings that have been held for Your Name thus far in North America, even as theatergoers in the U.K., China, and South Korea have already been able to watch it on the big screen.
So it's to great rejoicing that U.S. anime distributor Funimation has finally announced the North American theatrical run for Your Name, which is scheduled to get underway on April 7, 2017 with a total of 200 screens currently committed to show the film.
While the advent of multi-audio track DVDs and Blu-rays has taken much of the fire out of the great "subbed vs. dubbed" debate that once raged so hotly among English-speaking anime fans, Funimation recognizes that certain individuals still have very strong preferences in the matter, and so Your Name will be shown in both subtitled and dubbed formats in the U.S. and Canada. What's more, the dubbed version will feature new English vocals for the film's four songs from Japanese rock band Radwimps, with the lyrics written and sung by Yojiro Noda, who filled those same roles for the original Japanese versions.
While the North American theatrical run is still three months off, the new songs seem to be essentially finished. For two weeks starting from January 28, theaters in Japan will start screening a special version of Your Name that keeps the Japanese dialogue, but drops in the English songs.
Related Stories:
Anime hit Your Name to get Academy Award-qualifying U.S. theatrical run this year
Hit anime Your Name becomes highest-grossing Japanese film ever at Chinese theaters
Makoto Shinkai's Your Name is about to do something no non-Ghibli anime has ever done
Read full story: en.rocketnews24.com


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InnocentEnglish Joke Line
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Avanti Markets Introduces Smart N Go
Avanti Markets recently introduced its Smart N Go intelligent secured solutions for public and high-theft locations. Both the secured-intelligent and scan-and-go models can be configured as a single standalone module or as a comprehensive market solution combining refrigerated, frozen and room temperature units along with fresh coffee and more.
Joel Berman, president of the Smart N Go division, said some locations don't fit the open market concept—like transient public settings or locations that can suffer from high shrink.
The company also introduced its Physical Inventory Tracking, a dashboard and drill down tool that allows operators to track the frequency and accuracy of inventory performed by staff, by routes and even down to the product level. Because inventory is an investment, operators need to know where their inventory is, and they want an accurate count in real time. Physical Inventory Tracking allows operators to easily find the bottlenecks and problems so they can respond quickly.
Another new product, Managing Inactive Market Accounts, helps operators manage these market user accounts to segregate these stale balances off active records.
For more information visit http://www.smartngo.com/
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Call us at 1-800-956-8363, POST YOUR COMPANY


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Going out into the elements can be a stressful experience. This is even more true if there are extreme weather conditions outdoors that call for cold, rain, or snow. People that must go outdoors for work or for obligations often deal with these unpleasant weather elements. Those that live in the North or in colder states often deal with it on a day to day basis. People that live in the Southern states and other warmer climates are often surprised when a cold front hits and they are dealing with cooler temperatures and weather elements they are not used to. Clothing can get soaked and damaged and that is not comfortable nor pleasant. Protecting clothing from weather elements can help with comfort and keeping the cold out as with a product such as waterproof spray. Waterproof spray seals the clothing with a protective layer that allows for it to be kept safe from rain, snow, and other cold elements with ease.
Waterproof spray allows for clothing, shoes, and other items to be kept safe from cooler weather and much more. Wind, rain, snow, and other dewy elements are kept at bay and protected with an excellent waterproof spray. An excellent waterproof spray applied appropriately to clothing and shoes can mean the difference between a wet and miserable experience for the person wearing them and a safe and comfortable experience. Waterproof spray is made from an innovative concoction that allows for special and certain materials to be kept dry and warm in even the most extreme of weather circumstances. This means that a person that must go outdoors for work or for pleasure can be protected from the weather elements outside and not come home soaked, freezing, or miserable. These specialized waterproof spray inventions can make it easier for people to go out into the elements and be comfortable and safe to do what it is that they need to do and not have to worry about unpleasant circumstances.


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Managerial Accounting for Managers5th Edition
Copyright: 2020
- Based on the market-leading managerial accounting solution, Managerial Accounting, by Garrison/Noreen/Brewer.
- The Noreen solution presents integrated and proven solutions designed to help attain course goals without including financial accounting content from the Garrison solution.
- Connect: A highly reliable, easy-to-use homework and learning management solution that embeds learning science and award-winning adaptive tools to improve student results.
Lowest Price
Instructors: choose ebook for fast access or receive a print copy.
Still Have Questions? Contact your Rep
Program Details
Prologue: Managerial Accounting: An Overview
Chapter 1: Managerial Accounting and Cost Concepts
Chapter 2: Cost–Volume–Profit Relationships
Chapter 3: Job–Order Costing: Calculating Unit Product Costs
Chapter 4: Variable Costing and Segment Reporting: Tools for Management
Chapter 5: Activity–Based Costing: A Tool to Aid Decision Making
Chapter 6: Differential Analysis: The Key to Decision Making
Chapter 7: Capital Budgeting Decisions
Chapter 8: Master Budgeting
Chapter 9: Flexible Budgets and Performance Analysis
Chapter 10: Standard Costs and Variances
Chapter 11: Performance Measurement in Decentralized Organizations
Integration Exercises
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Dallas writer believes editorial cartoon missed the mark
In the editorial cartoon that was printed on Friday, Dec. 21, the cartoonist completely twisted the biblical event of Joseph and Mary looking for a room in Bethlehem where Jesus would be born (Micah 5:2, in the eighth century B.C.).
He made them out to be unwelcome immigrants who should have been stopped by a wall. They were, in fact, required by their country's king to go to that city so Joseph could pay his taxes and be counted.
They were not part of a foreign organized caravan carrying another country's flag and they were not demanding asylum.
The cartoonist blatantly politicizes a holy event in order to espouse a liberal point of view and take a political jab at President Donald Trump and all who support the establishment of a barrier on our southern border.
Next time the cartoonist should get his biblical example correct.
Don Schellenberg


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Times For Canada's Single-Payer Health Care System Hit Record High. Sen. Bernie Sanders (I., Vt.) has
touted Canada's single-payer system, saying it is a model the United States should follow. He introduced a "Medicare
for All" plan this past September. "The issue that has got to be studied is how does it happen that here in Canada they
provide quality care to all people, and I don't think there is any debate that the quality of care here is as good or better
than the United States, and they do it for half the cost," Sanders said. Sen. Elizabeth Warren (D., Mass.)
cosponsored Sanders's bill, saying she believes the measure will bring high-quality and low-cost care to Americans.
Sen. Kirsten Gillibrand (D., N.Y.) wrote a provision in Sanders's bill allowing Americans to buy into a public plan
during the transition to single-payer. The Fraser Institute found that patients under Canada's single-payer system this
year waited an average of 10.9 weeks — roughly two-and-a-half months — from the time they had a
consultation with a specialist to the time at which they received treatment. Physicians consider 7.2 weeks to be a
clinically reasonable wait time.
Is Venezuel'a Crumbling
Health Care System A Preview Of ObamaCare? The idea of free, universal health care has always seemed like a perfect solution. At
least that was the thinking behind Venezuela's constitutionally enshrined "right" to free health care since 1999, winning the late President Hugo
Chavez a lot of elections and seeming to be the logic behind ObamaCare. But post-Chavez, Venezuela's health care system is a shambles.
Massive shortages of basic supplies plague both public and private hospitals. Everything from drugs, syringes and needles, to respirators,
incubators and ultrasound monitors, is in short supply, reports AP's Frank Bajak.
Top Japanese
Official Urges Elderly to 'Hurry Up and Die'. Taro Aso has never been one to hold his tongue. But Japan's
72 year-old deputy prime minister may have outdone himself with his latest gaffe. At a government panel to discuss
social security reforms, the former prime minister called the elderly who are unable to feed themselves "tube people," then
proceeded to say the elderly should be allowed to "hurry up and die" to reduce the burden on a country tasked to pay for their
medical expenses.
Collectivism does not work. The immoral use of
government force cannot compel better health care. Putting us all in a government health care
prison will not ensure better health care. Only freedom can do
This is an original
compilation, Copyright © 2018 by Andrew K. Dart
A look at the British experience with socialized medicine can be found on this page.
How Much Do
Canadians Really Pay for Health Care? The usual talking point single-payer advocates trot out when asked about
this goes thus: According to OECD, health care in the U.S. costs about twice what Canadians pay. If the
single-payer advocate is uncharacteristically articulate for a lefty, they will quote another OECD canard about life
expectancy to show that we are paying more money, yet receiving worse overall care. As it happens, both of these
talking points are meaningless. Canadians pay far more for health care than is commonly believed and life expectancy is
useless in determining the quality of a health care system.
Deaths Hit Record High in Belgium. Why That Matters for the US. A record number of people died last year
under Belgium's 13-year-old euthanasia law, according to an oversight commission. In 2015, a total of 2,022 Belgians
were legally euthanized. In 2002, the first year the practice was legal, 24 people died by euthanasia. Since the
law took effect, a total of 12,762 people officially have been euthanized, the report by the Belgium Euthanasia Control
Commission says. Belgium's law, the most liberal in the world, makes euthanasia available to anyone who is in "constant
and unbearable physical or mental suffering that cannot be alleviated." Critics argue the definition of "unbearable" is
deeply subjective and dependent on a patient's willingness to take pain medication, which is not a requirement under the law.
Donald Trump, Single-Payer Health Care Doesn't 'Work Incredibly Well' In Canada & Scotland. Last night [8/6/2015] in
Cleveland, the 17 declared Republican presidential candidates participated in the first official debates of the 2016
election season. Health care policy was a bone of contention. "How can you run for the Republican nomination
and be for single-payer health care?" asked former Texas Gov. Rick Perry of Trump. When Fox anchor Bret Baier later
asked Trump to defend his position, Trump responded: "As far as single payer, it works in Canada, it works incredibly
well in Scotland." Here's why Trump is wrong. [Video clip]
Care Hell in Venezuela. Another testament to the miracles of socialism: The health
care crisis in Venezuela's hospitals is comparable to what you might see in a war zone, according to
a shocking new investigative report. The Times of London paints a horrifying picture of
the country's medical system: thousands of doctors fleeing the country; doctors pre-emptively
performing mastectomies because they don't have the chemotherapy drugs they would need to treat breast
cancer; half of the country's hospital beds being unusable; lack of spare parts for sensitive machines,
leading to closed operating theaters.
I Lived Through the Real ObamaCare.
In the Czechoslovak Socialist Republic all health care was free for everybody! Oh, what a paradise ... well, until you actually
experienced the "worker's paradise," as the communists proudly called it, in real life.
Hugo Chavez Hit By
Cuba's Surgical Strike. Venezuela's Hugo Chavez is dying of cancer in Havana, in a live demonstration of Cuba's vaunted socialized
medical care. He went there instead of Brazil because he wanted to make a political statement. What irony.
Boy Waits 20 Hours In Emergency Room, Appendix Bursts During Wait. I wish I had a nickel for every time a liberal used Sweden
as an example for where socialism works.


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Park Rangers have found the body of a teen that is believed to be that of missing 14-year-old hiker Jackson Standefer, according to a statement released on Friday by the National Park Service.
Authorities were notified by a commercial river trip group that a body was discovered on the Colorado River at River Mile 152 in Grand Canyon National Park. The body was transferred to the Coconino County Medical Examiner, where "initial information" indicates that the person found is Standefer, the statement said.
Standefer and his step-grandmother, 62-year-old LouAnn Merrell, were reported missing during a family trip on April 15 by members of their hiking party, after being swept away while crossing Tapeats Creek.
They were hiking with Merrell's husband, Randy Merrell, co-founder of Merrell Boot Co, and Standefer's mother.
"The Coconino County Medical Examiner will confirm positive identification," the National Park Service said in a statement. "An investigation into the incident is being conducted by the National Park Service and the Coconino County Medical Examiner. No additional information is available at this time."
The investigation continues, as the body of LouAnn Merrell has not yet been found.
On April 20, it was announced that the Grand Canyon National Park planned to "scale back" search efforts.
A family statement released that same day supported the decision. "After carefully considering all the information available to us, and based on our personal knowledge of the search area, we support Grand Canyon National Park's decision to scale back the search."
Tapeats Creek, a tributary of the Colorado River, is described by the National Park Service as challenging to cross under certain weather conditions. "Snowmelt or heavy rain may make creek crossings impossible," according to a National Park Service advisory. "Spring warming trends and intermittent high creek levels are more likely after mid-March with the peak flows often in May."


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AKO BICOL Party List, through Rep. Alfredo Garbin, Jr., expressed its utmost sympathy to Nanay Araceli of Barangay Cabaloaon, Guinobatan, Albay, mother of the two victims drowned in the flood and died from injuries following the devastation of Typhoon Nina on Decemeber 25, 2016, and whose bodies were found lifeless after series of search and rescue operations.
In a message, Rep. Garbin said "I hope that undesirable conditions such as this will not dishearten and consume you, but will give you even more reasons to be strong and courageous in leading a content life amidst the challenges that come along with it." "Ako Bicol Party List will exhaust all means to help you in providing a decent burial to your loved ones, and will continue to initiate efforts that will push for legislative reforms that will further strengthen our disaster management programs", he added.
This is but only one of our many programs aimed to provide assistance to the people, especially those in desperate situations where help cannot be found from anywhere nor from anyone.


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After not having a job for two years–Big Sur, sleeping among redwood trees, pot, LSD–it surprised me in early September 1967 to find that all it took to be hired as a substitute teacher in Oakland was to shave off my beard, buy a clean shirt from Goodwill, and fish among my belongings for my teaching credentials from the state of Ohio.
By the end of October paychecks were coming regularly and I could afford an inexpensive vehicle. At a Berkeley impound lot, I found a 1951 Chevrolet Suburban Carryall, a panel truck with windows all around. The color inside and out was military green. It cost me $60 and then another $12 for a battery.
Someone must have stolen the radio, since there was a gaping hole in the dashboard. Aside from looking out of date, the truck had dented fenders, which amused some of the kids in Roosevelt Junior High School, where I was hired as a full-time teacher in January. Roosevelt was predominantly black, so the Chevy, belonging to a young white teacher, served as a kind of leveler. Once in a while I drove a cluster of boys–two brothers who were black and a white friend–home, dropping them at one of their neighboring houses. The younger brother derived consistent pleasure from sliding into the backseat and saying, "Home, James."
When summer came I was all set to drive back to Ohio to visit my parents, for the first time in several years. The military color of my Chevy didn't seem quite right for visiting home, so I paid $50 or so to have it painted. I chose a blue that ended up looking too intense. But this didn't matter. No color on earth could have made that vehicle look like something that belonged in the family driveway.
Having watched me from afar during the previous several years, hurt and uncomprehending, my parents surely had mixed feelings about my visit. At one point, when my father asked me, "Jim, are you psychedelic?" I couldn't say anything in response. We leaned a lot on silence, but, all in all, the visit didn't go so badly. Then I drove to the southern part of the state, to Barnesville, the home of my friend John Hutchinson. His friends all called him Lost John due to his monologues about who was lost (all of us) and who needed to begin thinking about overwhelmingly large matters–again, all of us.
John had visited me in California, where he took LSD, an experience that had shifted his concerns from the state of the planet to the state of the universe. Several months before I headed home to visit my parents, he'd written that he was back in Barnesville. The letter ended with: "Come meet my folks."
The way he spoke about his parents, especially his dad, had always appealed to me. Perhaps I saw in John a direction that, a layer or two below the surface, I wanted to pursue in myself. I was just beginning to distrust the sour, repetitive thoughts about my father and no longer knew whose attitudes bothered me more, my father's or my own.
The left rear axle of my Chevy broke when I was close to Barnesville, so with a hot summer sun overhead, I walked the rest of the way. On the edge of Barnesville a man named Walter, who wanted to be helpful and to have someone to talk to, joined me and we walked all the way to the front porch of John's family home.
Lost John didn't seem at all lost in his hometown. I had never seen him so relaxed. We walked to the town's auto wrecking yard, which smelled of summer weeds and warm grease. John talked to the owner, who pointed to the corner of the lot. Within 20 minutes, John held the part we needed in his greasy hands.
Then he called a local mechanic, who sent his wife over to pick us up. John didn't seem to notice how attractive this woman was. It was hard to take my eyes off her–such a remarkable combination of purity and sensuality. At the repair shop, she kissed her husband on the cheek before going into the office. It wasn't a habitual peck. She kissed him. She stepped away and John thanked her for the ride as she looked back for an instant and waved, walking through the office door.
The mechanic said if everything went as expected, it would take half a day to get my Chevy going again–plus about $90.
Walking with John back to his parents' home, I asked him if they knew he had taken LSD. He said that he talked with them about everything. They just listened. His father, whom he called Oldie, never, in John's words, "cast a judgment."
I mulled this over silently, thinking about my father. As if he could tell what I was thinking about, John stopped walking on the blacktop road and turned to me. "Oldie always says, 'Let sleeping dogs lie.' He says, 'If you want to make an old turd smell, just poke at it a little.' Jim, if you could let your dad be, he wouldn't eat on you so."
When we arrived back at the family home, there on the porch was Oldie himself. John's father shook my hand, looking into my eyes with kindness. After introductions, John surprised me by going straight into the heart of the dilemma. This must have been part of an ongoing conversation between son and father.
"Dang it, Oldie," he said. "It's an infinite conundrum. It stands to reason that the universe is unified. But how? You've got all this positive force, all this good over on one side, and all of the negative force, evil or whatever you want to call it, on the other side. Energy, matter, space. Male, female. Everything's in motion. Attracting, repelling. And time itself, instantaneous, without change, but always moving, and maybe never moving at all. Oldie, there's got to be a way to resolve all of this, to balance it. There must be! It's all got to be one!"
Thrusting his hands with outspread fingers into the air, John stamped one of his feet on the floor of the porch in a way that I had seen many times.
"Dang it, I can't accept that it's the God that people in church talk about. It's bigger than God. It's . . . God's God!"
John's father sat passively through this, without any change of expression. Then he got up and came over to where John and I were half-leaning, half-sitting on the railing. Speaking without haste, he addressed his son and me at the same time.
"Well, you have these questions. You young men have taken this LSD and you have a lot of questions. You saw something, and it's hard to put whatever you saw out of your minds. But let me tell you how, in my experience, life works–how it works for a man.
"For a man there's an order in life. First he needs to get himself a good truck, and by that I mean a job–something he's naturally good at that earns him a living and connects him with the world, with other people. First, a good truck.
"After that, with any luck he attracts a good woman. Maybe he's got to look for one and maybe one just shows up. But you need to go at life in the proper order to be sure of finding one. If you mix up the order, things get harder. Maybe you find the woman first and then the truck, or maybe you don't find much of anything. Either way, putting these big questions you like to ask before you get your truck can be risky. You're apt to never find very much you can live by. Very big answers have a way of slipping through very small fingers. You know, boys, a man can get stuck looking at the cosmos, as you call it, or at other men's wives. Sometimes a person doesn't end up with a real grasp of the big things he thinks he's after, and doesn't get the most basic things right either.
"A man needs what he really needs. No one can change that. First, get yourself a truck. Then a good woman. After that, you'll be surprised how these other things, the cosmos and everything, find a way of working themselves out. Then you can question things from a patch of ground you've earned, and everything means more to you. From his own patch of ground a man can see a long way."
John and I were silent. Not wanting to stare, I glanced at Oldie, trying to comprehend what he had just said.
Did he know, somehow, that at least one of us was ready to hear that?
Reprinted from Parabola (Winter 2007). Subscriptions: $29.95/yr. (4 issues) from Box 3000, Denville, NJ 07834; www.parabola.org.


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The VideoLAN VLC media player is getting a major update. This past Friday, the VideoLAN organization released an update for its popular open source VLC media player, which introduces a number of new features.
VLC media player version 2.2.0 for the desktop has been given the codename of WeatherWax, and it is now available for Windows, Mac and Linux. It will be offering features such as the ability to rotate vertical videos that have been taken from smartphones automatically and it will also be able to resume playback of your videos from wherever you left off.
This latest version of the VLC media player also greatly improves support for Ultra HD video codecs and it offers new compatibility with a vast number of unusual codecs. More new features include a new hardware accelerator mechanism on some platforms and an in-app extensions downloader to the desktop.
This update is not just a desktop-centered release. The VideoLAN organization also released key upgrades across all of the platforms that the software is available for. It even adds support for Windows Phone, Android TV, and Windows RT. This is actually the first time ever that VideoLAN has launched a coordinated release across all of its platforms.
The VLC development teams updated the OS X platform interface for Yosemite compatibility, and on the Android platform, most of the user interface was rewritten to match with the new Material Design standards of Google. This is the very first non-beta release on the Android platform as well as the first time that the iOS application has been made available in the Apple App Store since last September, when it was pulled.
The VLC development teams are now looking forward to the next big release, which will be the VLC 3.0.0. It is slated for release later on in the year. The VLC version 3.0.0 will offer features like hardware decoding and acceleration on more platforms, as well as better support for mp4 and "partial" Chromecast integration.