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Remains brushable for up to 15 minutes and stays flexible.
There is no sagging when vertically applied or stringing during application.
The adhesion properties are excellent once cured.
Can be overpainted.
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Beyond the Numbers Blog Thoughts & Advice on Veterinary Practice Management
Why veterinary practice management software reports are not enough: Former practice manager tells all
You wouldn't be reading this if you weren't already committed to the health of your practice. You know tracking performance is important. You have practice management software that lets you run almost any report under the sun. You might even diligently run those reports every month, recreate your special information searches, and...Read More
Confessions of an overflowing inbox: The email etiquette article to send that one person in your practice
Veterinary practices have slowly but surely entered the digital age. Many are finally trading paper and faxing for electronic recordkeeping and emailing. With this shift comes increased communication with clients, vendors, coworkers, and other hospitals via email. How would you rate your email savviness and email etiquette? Below are some tips (or...Read More
Inbox zero: How a simple email management technique from a guy named Merlin can decrease your anxiety
Emails are a necessary evil in business today, and the sheer amount that we get can take a toll on anyone. Just reading each one and determining whether the information is pertinent to you is a task in and of itself, let alone engaging and replying to them. Merlin Mann, the productivity...Read More
Hey there, I'm Kristen, one of the members of the VetSuccess Product team. Ask anyone around here and they'll tell you, I'm pretty into UX (User Experience) and documentation. I'm curious about what the experience is like for our clients as they interact with our reports and products. And of course, I'm...Read More
It's common knowledge in the veterinary industry that periodontal disease is the most prevalent concern with dogs and cats today. In addition, the AVMA found that 20%-27% of canine patients have fractured teeth and up to 60% of feline patients have resorptive lesions. Dental disease prevention and treatment is often a low...Read More
One of the most understated keys to profitability is good financial hygiene. In the same way that we have to take care of bodies personally, we must also take care of our businesses financially. Financial fitness test Q. As a practice owner, what's the difference between cash versus accrual accounting and how...Read More
Being a vet tech is HARD. They're on their feet all day, dodging fecal matter, filling meds, placing catheters, and just about breaking their backs lifting dogs. Meanwhile, there's no end to the amount of love, care, and support they provide pets. This is why fathers get a day, but vet techs get...Read More
Every staff member plays a critical role in hospital success, from kennel attendants to veterinarians. Considering that staffing costs are one of a hospital's largest expenses, practice managers and owners need to make sure employees are being properly utilized - hence the quest for the ideal veterinary staffing ratio. Rethinking the veterinary staffing...Read More
Are you flirting with fraud? Check yourself with the top 5 financial tips from a forensic accounting perspective
Ready for some hard truth? According to an American Animal Hospital Association survey, 86% of employees had stolen from their veterinary clinic. While theft is a blatantly clear form of fraud, not all fraud is that obvious. You might be flirting with fraud right now and not even know it. Fear not, below...Read More
Here's why team wellbeing should be your new KPI (yes, you can measure it!) – Q&A interview plus case study
Modern-day KPIs or key performance indicators have been widely used in business since the early 1900s. While the veterinary industry is no stranger to the standard KPIs like revenue and patient visits, it's likely missing one of the most important KPIs: team wellbeing. "But it's impossible to measure!" you say. Not according to...Read More

subset: commoncrawl


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About Adventist Health Portland's Cancer Care Program
Designed with your physical, emotional & spiritual needs in mind
Cancer is a diagnosis that can ignite fear, anxiety and dread. For much of human history, this disease has been the source of tremendous suffering with little hope for remission or cure.
Fortunately, over the past few decades, and especially in recent years, the landscape has been changing. Never before has there been more hope. We are now living in a time of great progress towards prevention, screening and treatment of cancer. However, cancer is still a disease that occurs in human beings and therefore optimal care requires individualized, personal and compassionate human healing.
At Adventist Health Portland, our team is committed to ensuring that each person coming to our cancer program in their greatest time of need has an exceptional experience, in addition to receiving excellent, compassionate and personalized cancer care. Highlighting this commitment, our cancer program continues to be accredited by the Commission on Cancer, signifying our ongoing dedication to providing comprehensive, high-quality and multidisciplinary patient-centered care.
Exceptional care requires a dedicated team. At Adventist Health, our values of integrity, quality, compassion, wholeness, respect, family and stewardship are embodied by each member of our cancer team. This includes physicians, nurses, patient navigators, social workers, genetic counselors, palliative care experts, chaplains and many others working in unison with a singular goal: exceptional and loving care for our patients who inspire us daily.


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Class Passes – 30 day Expiration
Aerial Drop-In $25 / Non-Aerial Drop-In $18 / Open Gym Drop-In $12
Aerial 5 Class $100 / Non-Aerial 5 Class $72 / Open Gym 5-hour $45
Aerial 10 Class $180 / Non-Aerial 10 Class $129
Flying Trapeze – 60 day expiration
Drop-in $40 / 2 Class $75 / 5 Class $175 / 10 Class $325
*Ask about discounts on flying trapeze classes for members!
Acrobat: 1 Class per week $68/month
Aerial Enthusiast: 2 Classes per week $127/month
Frequent Flier: 3 Classes + 1 Open Gym per week $165/month
Cirque Life:4 Classes + 1 Open Gym per week $195/month
Circus Freak: Unlimited Classes + Open Gym $235/month
Tightrope Walker: 1 Class + 1 Private Lesson + 1 Open Gym per week. $300/month
Rising Star: 2 Classes + 1 Private + 1 Open Gym per week. $327/month
Ringmaster: Unlimited Classes + Open Gym + 1 Private Lesson per week $425/month
Monthly memberships require a minimum 3-month commitment to start. After the first 3 months, memberships can be cancelled by requesting cancellation within 3 days of the next autopay billing date. If you cannot make a 3-month commitment, please consider our drop-in, 5-class and 10-class package options. Memberships will not be extended due to holiday breaks. We allow make-up classes for any missed sessions (due to holidays) if make-ups are made within the month of the missed class. A late fee of $5 per day will be applied to all late membership payments.
Reservation & Cancellation Policy
Reservations are required. Students must give at least 24 hours notice in order to cancel without penalty. Students will forfeit one class for a late cancellation. If no students are registered within 24 hours of a class start time, that class will be cancelled. If only 1 student is registered, instructor will administer a 45-minute private lesson.


text: Stress is the Enemy of Effective Learning (video) Post by: Gerald Hughes / Feb 22 2019 Just a few pages from one of our NLC Parent workshops on Education. How stress effects us and how it interferes with the learning process. Tags: adhd, anxiety, autism, brain, brain dominance, brain hemisphere, Dyslexia, education, memorization, Neuro-linguistic Learning Center, Parasympathetic Nervous System, parenting, personality, reading, stress, Sympathetic Nervous System


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There are many factors involved in choosing the right web hosting plan for your new website. The trick is to weight the cost against the features provided. Of course it is easy to get the cheapest price web hosting plan with a XYZ company. But this plan does not have SQL or PHP functions, it has limited traffic bandwidth etc. So, really it depends on what your web site needs are.
To select a good web hosting plan, I recommend that at least the following features are included:
1. Big traffic bandwidth.
2. Supports SQL and PHP.
3. Supports sub domains.
4. Cpanel for easy control.
5. At least 5000Mb storage space.
6. Auto responders.
7. POP email accounts.
8. FTP accounts
9. Backup support
Then from all these features, select the price that is within your budget. Some hosting providers charge a one time setup fee, and some charge less if you pay one year fees in advance. Also look out for incentives like free domain names provided, this is a powerful draw which is quite common nowadays.
If you are planning to host multiple web sites, you need to choose a plan that supports multiple domain hosting on one single account. Some providers do support this and it is mostly 2 or 3 domains. I heard of others that support unlimited domains, but you need to analyze the price factor against this option.
The downside is that if the hosting provider server goes down, all your web sites will be down as well. Don't put all your eggs in one basket so to speak.
Probably there are many other considerations before you decide on the web hosting plan that is most suitable for you. But time and effort spent on getting the right plan the first time round is worth investing in.


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I tried a lot. Permalinks resaving, Sitemap settings reset. Disabling Cache, etc. It only generates page-sitemap.xml.
The strange thing is when I create a new Post/Category or Tag (anything except a Page) it's always set to NOINDEX automatically. Maybe that happend cause I imported my shitty settings from Yoast. How can I change so it's always Index by default?
I have manually set my Category and my Blogpage to Index, tried again to regenerate the Sitemap with Permalinks saving etc.
But the only Sitemap I get is the page-sitemap.xml
I really dont know what to do.
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They Don't Have Neighborhoods There
Busy day, what with getting up at 6:45 am to catch the morning boat off the island, then making my way into town, unloading a summer's accumulation of stuff at the apartment, hopping the subway over to the city for a couple appointments and a welcome back to New York cappuccino at the ever excellent Rocco's. Then back to Brooklyn to do what little I could do to help Joshua getting this little web machine off the ground. Joshua, in case your spyware hasn't kept you up to date, is the guy who's responsible for nearly everything you see here apart from the actual writing. It was pretty exciting to be making what I hope will be seen as a great leap forward, and especially rewarding to hear some of the old Lookouts and Potatomen songs and know that they're now available for others who might like to hear them (I'll be adding some more as the days go by).
So by the time I got to Lulu's (more commonly known as the Lost and Found, and also, recently, the Alligator Something-or-other; the name changes have been so numerous and so without rhyme or reason that a bridge-and-tunnel couple wandered away bewildered after the doorman told them he'd never heard of a place called Lost and Found), I had missed half the bands, and missed one more while I talked to Unlovable Frank, Boobie Dewton, and several other luminaries of the New York Clique out on the sidewalk. This was of course the first night of Carlapalooza, the annual series of shows orchestrated and arranged by the indefatigable Chadd Derkins to honor the lovely Carla Monoxide's birthday and to raise money to fight multiple sclerosis, which she is battling.
When I used to live in the Bay Area, opening night for the San Francisco Opera was considered (in some circles, circles to which I was not generally admitted, but never mind) the formal start of autumn social season, and you could probably say the same for Carlapalooza, again in certain circles, probably the only circles to which I will ever be admitted, but a guy do worse, much, much worse, than to be welcomed into the rarefied realms of the New York Pop Punk Elite.
I got to see the Marshmallows, the band from downstairs (literally; they practice underneath my living room, and their guitarist sleeps (very occasionally, it must be said) just below my office, as well as New Jersey's Full of Fancy, all of which was good, but as usual with these events, some of the most uproarious and hilarious action unfolded out in the street, and also as usual, the ever witty and urbane Chris Grivet was right at the heart of it. Tonight he regaled us with his theories on a) why the grassy, fenced-in area behind his house is not a "yard," merely a "space," and why he could never live in Brooklyn.
His "not a yard" case was simply put: it's not big enough to be a yard. How big does a yard have to be? Well, this seemed to one of those existential "I know it when I see it" situations. When it was pointed out by more reasonable friends and roommates that the space in question was big enough to park a car on and still have sections of lawn visible around it, Mr. Grivet retorted, "Yeah, but can you drive the car around in it? I think not. Therefore, not a yard." Chelsea then pointed out that the landlord not only keeps a lawnmower in the yard/not yard, but also regularly uses it to keep the grass in check. There was a sudden nodding of heads and a general agreement (general except for Mr. Grivet, who on principle never agrees with anyone) that if it has a lawnmower, it has to be a yard.
So we moved on to Brooklyn and its nonexistent neighborhoods. Mr. Grivet is a born-and-bred Astorian, and he has a rather sniffy attitude toward those who don't share his pedigree. Essentially, if you weren't born here, educated here, and haven't lived here all your life, you're not a New Yorker. Fact. And not just anywhere within the New York city limits will do; it has to be "real" New York, meaning, among other things, that it has to be served by a subway line. So all of Staten Island is out, just for starters (it actually belongs in New Jersey, he'll be happy to inform you). And not just any subway line; he maintains that the L and the G are not "real" lines because they only serve two boroughs, unlike his beloved N, for example.
As a lifelong Queens boy, he's not likely to have much good to say about Brooklyn, either, but since that's where a great deal of the musical and cultural action he favors takes place, people often ask him why he doesn't consider moving over to this side of Newtown Creek, if only to save himself the long late-night schleps back to the outer reaches, and his latest riposte to this, having moved on from the more elemental "Brooklyn sucks," is that "they don't have neighborhoods there."
Does it do any good to point out that Brooklyn is practically nothing but neighborhoods? No, it does not. Nor does it help to gesture grandly at the picturesque streets of Greenpoint, where we happened to be standing, and borrow a word from the state motto of Michigan, Circumspice! (Look around you.) Greenpoint doesn't count as a neighborhood, he explained, because, "None of these people were born here. They're all Polish, or hipsters, or something."
If this sounds terribly xenophobic (we're only talking about the Polish here; everyone agrees it's all right to hate the hipsters), it's not, really. For all his obstreperous bluster, Chris Grivet has a heart of gold and loves (nearly) all 8.5 million people who have come (legitimately or, in his view, otherwise) to live in this great city. He just likes to complain. A lot. And argue. A lot. Which, regardless of where he was born, is a powerful credential of his being a True New Yorker, old school division.
But right when the argument was winding down after having dissolved into gales of laughter, I asked Sebby Zatopek, who's over from London for the weekend, if he didn't seem some similarity to the lengthy, intricate, and sometimes extraordinarily heated arguments that frequently develop in English pubs, and usually over subjects that are equally inane. True, you might point out that arguments are not uncommon any place where alcohol is served, but the English pub argument is a rather different species than the usual bar fare in America, which often doesn't get beyond the level of, "Oh yeah, well, you're one, too, just wait here while I go get my gun."
Whereas pub arguments, and many that I've heard in New York, depend more on wit, word play, and the ability to say preposterous things with a straight face. It's just one of the million little things I missed about New York this summer, and as much as I enjoyed my time out on the island, and the ability to stroll 250 feet and be on the beach any time I wanted, I don't think I'd like to leave the city for that long again, and especially, above all, not in summer. Wow, it's great to be back. Now it's time to sleep three or four hours, get up in time to try and remember how to play the songs I'm supposed to play at the show tomorrow, and shuffle on down to the Cake Shop for Day Two of Carlapalooza!


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Now available in a paperback edition, LaToya Ruby Frazier's award-winning first book, The Notion of Family, offers an incisive exploration of the legacy of racism and economic decline in America's small towns, as embodied by her hometown of Braddock, Pennsylvania. The work also considers the impact of that decline on the community and on her family, creating a statement both personal and truly political— an intervention in the histories and narratives of the region. Frazier has compellingly set her story of three generations—her Grandma Ruby, her mother, and herself— against larger questions of civic belonging and responsibility. The work documents her own struggles and interactions with family and the expectations of community, and includes the documentation of the demise of Braddock's only hospital, reinforcing the idea that the history of a place is frequently written on the body as well as the landscape. With The Notion of Family, Frazier knowingly acknowledges and expands upon the traditions of classic black-and-white documentary photography, enlisting the participation of her family, and her mother in particular. In the creation of these collaborative works, Frazier reinforces the idea of art and image-making as a transformative act, a means of resetting traditional power dynamics and narratives— both those of her family and of the community at large.
LaToya Ruby Frazier (born in Braddock, Pennsylvania, 1982) received her BFA from Edinboro University, Pennsylvania, in 2004, and her MFA from the College of Visual and Performing Arts at Syracuse University, New York, in 2007. She has received numerous grants and awards, including a 2014 Guggenheim Fellowship, 2014 USA Weitz Fellowship, and 2015 MacArthur Fellowship. Frazier teaches in the Department of Photography at the School of the Art Institute of Chicago, and is a visiting critic at Yale University. Her work has been included in exhibitions at major institutions worldwide.
– See more at:http://www.latoyarubyfrazier.com/


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It has officially been two years and two weeks since Nick Leone moved to Houston. He's not really a big-city type of guy, but he moved here after the economy in Florida started going downhill. "For a big city, Houston is a great town with really friendly people," Leone told us. You don't have to tell us twice. Leone started bartending seven years ago to make money after a snowboarding accident and has been at Komodo's for about a year now. Prior to Komodo's, he worked at the late LZ's. "The owner of LZ's and Komodo's is really sweet," Leone explained. "She is very loyal to her employees, so when LZ's closed, she found me a spot at Komodo's."
That night, we were drinking vodka and soda, but we asked Leone what his favorite drinks were to make. He told us he has the best upside-down pineapple shot in Houston. Most bartenders we meet hate making the upside-down pineapple shot, so we were shocked. "There isn't really a drink I don't like to make," Leone told us. "I'm a bartender. That's what I do is make drinks." He also likes his Galveston Bay martini - half olive juice and half vodka.
Just don't order his margarita. Leone told us, "I haven't really had a lot of margaritas, so I don't think it's my best drink. Plus, there are so many places nearby with great margaritas." He's not from Texas, so we'll forgive him for not knowing about margaritas.
What's Leone's drink of choice? Dripping Springs vodka on the rocks. But when a friend of ours tried to order Dripping Springs vodka, he told us that Komodo's stopped carrying it. "No one ever ordered it, and I was the only one drinking it." Leone assured us that it was great vodka and owned and operated in Texas. We do like to support our local businesses.
Leone makes you feel like a regular at Komodo's even if it's your first time there. He calls you by name and makes sure your drink never goes empty. So will he stick with bartending? "If I could be 80 years old and making good money as a bartender, that would be great."


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Access and adopt open standards for genomic data sharing below. You can also download the full 5-year GA4GH Connect Strategic Plan to see standards in development.
A GA4GH-approved Standard The Data Connect API is a standard for the discovery and search of biomedical data, developed by the GA4GH Discovery Work Stream. The standard provides a mechanism for describing data and its underlying data model, as well as the ability to search the data with the given data model.
A GA4GH-approved Standard The GA4GH Large Scale Genomics Work Stream has worked with UCSC to develop GA4GH BED v1.0—a plain-text file format that describes discrete genomic features by physical start and end positions on a linear chromosome. GA4GH BED v1.0 aims to provide a formal specification that fills in gaps in the existing documentation and creates a concrete set of rules and guidelines.
A GA4GH-approved Standard The Task Execution Service (TES) API v1 defines a standardized schema and API for describing batch execution tasks. A task defines a set of input files, a set of (Docker) containers and commands to run, a set of output files, and some other logging and metadata. The TES API supports greater genomic and health data sharing by providing greater flexibility in bringing computation to data and enabling execution of workflows spanning multiple institutions and infrastructures.
A GA4GH-approved Standard The GA4GH Machine Readable Consent Guidance provides instructions for researchers integrate standard data sharing language into consent forms in a way that is able to be translated to a computable language. Machine readable consent language is able to be attached to datasets and stored in their descriptive data using DUO terms. Researchers can then search for datasets that have been consented to for their research purposes.
A GA4GH-approved Standard The GA4GH Data Use Ontology (DUO) allows users to semantically tag genomic datasets with usage restrictions, allowing them to become automatically discoverable based on a health, clinical, or biomedical researcher's authorization level or intended use. DUO is based on the OBO Foundry principles and developed using the W3C Web Ontology Language. It is being used in production by the European Genome-phenome Archive (EGA) at EMBL-EBI/CRG as well as the Broad Institute for the Data Use Oversight System (DUOS).
A GA4GH-approved Standard The Data Repository Service (DRS) API, a standard for building data repositories and adapting access tools to work with those repositories, works with other approved APIs from the GA4GH Cloud Work Stream to allow researchers to discover algorithms across different cloud environments and send them to datasets they wish to analyze. The API allows data consumers to access datasets regardless of the repository in which they are stored or managed.
A GA4GH-approved Standard The GA4GH Passport specification aims to support data access policies within current and evolving data access governance systems. This specification defines Passports and Passport Visas as the standard way of communicating the data access authorizations that a user has based on either their role (e.g. researcher), affiliation, or access status.
A GA4GH-approved Standard While ontologies and terminologies provide the standard data concept definitions for capturing clinical information, an information model is required to successfully exchange that information between clinical information systems and with related information systems. Phenopackets provides information models with different levels of complexity to enable high level clinical phenotype information as well as deep clinical phenotype information to be exchanged.
A GA4GH-approved Standard The RNAget API v1 provides a means of retrieving data from several types of RNA experiments including (i) feature-level expression data from RNA-seq type measurements and (ii) coordinate-based signal/intensity data similar to a bigwig representation via a client/server model.
A GA4GH-approved Standard The Service Info API is an endpoint for describing GA4GH service metadata, designed for extension and inclusion in other APIs. Service info is used to describe a single service, while Service Registry is used to describe multiple services.
A GA4GH-approved Standard The Service Registry API provides information about other GA4GH services, primarily for the purpose of organizing services into networks or groups and service discovery across organizational boundaries. It's a minimalistic, simple, lightweight, read-only API for listing services and their metadata, as described by service-info.
A GA4GH-approved Standard The Tool Registry Service (TRS) is a standard API for exchanging tools and workflows to analyze, read, and manipulate genomic data. The TRS API is one of a series of technical standards from the Cloud Work Stream that together allow genomics researchers to bring algorithms to datasets in disparate cloud environments, rather than moving data around. TRS gives researchers access to far more tools than they can presently use, and allows developers to register their products so that they are visible on a multitude of sites, expanding their audience reach. The API also provides a set of requirements for tool and workflow registries to implement TRS.
A GA4GH-approved Standard Beacon v2.0 vastly expands the functionality of the first version to improve the tool's utility and places special emphasis on responsible access to clinical genomic data for research. While v1.0 of the protocol indicated the presence or absence of an allele in a genomics dataset, the new version gives researchers more options when searching for genomic variants and adds flexibility to ask more questions about the dataset and attributes about participants. In secure settings, such as encrypted networks, authorised users can link Beacon results to privacy-protected data such as a patient's electronic health record, and connect this to expert variant annotation. Additionally, researchers may apply for access to a dataset returned in their query results, and Beacon v2.0 will show them contact information and data use restrictions to assist in that process.
The CRAM file format is an efficient storage format for read data, achieving significantly better lossless compression than BAM, whilst maintaining full compatibility. To learn more about the benefits of the CRAM file format for genomic data compression, visit here.
A GA4GH-approved Standard By its nature, genomic data can include information of a confidential nature about the health of individuals. It is important that such information is not accidentally disclosed. One part of the defense against such disclosure is to keep the data in an encrypted format as much as possible. Crypt4GH is a file format that can be used to store data in an encrypted and authenticated state. Existing applications can, with minimal modification, read and write data in the encrypted format. The choice of encryption also allows the encrypted data to be read starting from any location, facilitating indexed access to files.
The Family History Tool Inventory is a catalogue of family history tools currently available for documenting family health history information. The Statement of Best Practice highlights current approaches and challenges in enabling family history to guide clinical care to developers of clinically-oriented family history collection systems, including stand alone and EHR-integrated systems. The inventory will be updated periodically and we encourage recommendations of other tools to include. To recommend a tool, please email email@example.com.
A GA4GH-approved Standard htsget is a genomic data retrieval specification that allows users to download read data for subsections of the genome in which they are interested. Currently, users must download the whole set of files in which that data resides, a slow, resource-intense process.
A GA4GH-approved Standard All sequencing-based genomic analysis uses a genomic "reference sequence" — a baseline of knowledge against which variations are observed. There are multiple human reference sequences of increasing accuracy and different organizations refer to the same sequence using different names or reuse names to refer to different reference releases. Reliable, reproducible genomic analysis depends on clear provenance back to reference data. The GA4GH refget API enables access to reference genomic sequences without ambiguity from different databases and servers using a checksum identifier based on the sequence content itself.
Specifications for storing next-generation sequencing read data.
Standardized benchmarking methods and tools are essential to robust accuracy assessment of next generation sequencing variant calling. Benchmarking variant calls requires careful attention to definitions of performance metrics, sophisticated comparison approaches, and stratification by variant type and genome context. The germline small variant benchmarking tools address challenges in (1) matching variant calls with different representations, (2) defining standard performance metrics, (3) enabling stratification of performance by variant type and genome context, and (4) developing and describing limitations of high-confidence calls and regions that can be used as "truth". They have been piloted in the precisionFDA variant calling challenges to identify the best-in-class variant calling methods within high-confidence regions.
A GA4GH-approved Standard The Variation Representation (VR) specification provides a flexible framework of computational models, schemas, and algorithms to precisely and consistently exchange genetic variation data across communities. The specification, which was developed with input from national information resource providers, major public initiatives, and diagnostic testing laboratories, significantly reduces ambiguity in exchanging variation data. In this way, VR aims to improve the reliability and utility of the clinical annotations that are central to personalized medicine. The VR specification consists of five key components that together produce a reliable way of describing and transferring genetic variation data: an extensible terminology and information model, a machine-readable schema, conventions for data normalization, globally unique computed identifiers, and a python implementation.
The specifications for Variant Call Format Files (VCF) and its binary counterpart BCF.
A GA4GH-approved Standard Portable tools — the ability to execute a single analysis in a variety of environments — allow researchers to work with more data from more sources, and tool builders to support more researchers and more use cases. The Workflow Execution Service (WES) API provides a standard for exactly that. This API lets users run a single workflow (defined using CWL or WDL) on multiple different platforms, clouds, and environments, and be confident that it will work the same way. The API provides methods to request that a workflow be run, pass parameters to that workflow, get information about running workflows, and cancel a running workflow.


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The Beauty Killer serial killer series is an international phenomenon by a hometown writer with a lot of Washington State in her background. Chelsea Cain was raised on an Iowa commune but eventually moved with her mother to Bellingham, Washington. After a peripatetic college career, Cain ended up in Portland, where, after careers in public relations and in journalism, she has settled down to write bestselling serial killer thrillers that are in part informed by her Washington experience – when she was a schoolgirl the Green River Killer was a daily presence in the media.
In Heartsick, Sweetheart, and now Evil at Heart (Minotaur Books, 320 pages, $24.99, ISBN 978-0312368487), published on September 1, Cain has explored the tense and obsessional relations between a serial killer, one of her surviving victims who also happened to be the head of the police task force hunting her, his wife and children, his partner, and a young female crime reporter. It is rich, very human material, and one can see why the stories are popular with readers. What probably goes under-appreciated is how difficult it is to pull off such novels successfully.
For a shining example of how the American thriller can work superbly one can turn to no better writer than John D. MacDonald. His "color title" series of mysteries featuring Florida P.I. Travis McGee are good tales but the prose also evinces MacDonald's remarkable ability to tell a brisk story while keeping the morality of the piece at the forefront of the prose through the careful use of adjectives and metaphors. It's a form of indirection. He doesn't want to distract the reader from the pace of the tale but he also wants to get across his attitude to what is happening. So he does it subliminally. Here's an example.
In one of MacDonald's first person mysteries his narrator is on some kind of stake out. MacDonald writes, "I stood and waited. It was a long afternoon. I moved with the shade. The long gray of the Spanish moss hung from the oaks in the windless stillness. Chickens scratched at the baked yards of the cabins, and made the throaty sounds of heat, blurred and querulous. One of the women came out and slapped the soapy gray phlegm of dishwater into the yard and stood for a moment with the pan in her hand, looking toward me, telling me that I was out of time and place. She went back in and the door spring made a tiny musical note before it slapped the screen back into place. I stood in an alien place, our of focus to myself as though I had lost some part of my own identity and meaning. And I thought of other places and other times of waiting. The afternoon was long. And very hot." Writing about the passage, MacDonald notes that the woman with the dishwater is more vivid than the narrator. This was intentional. He was using her to tell the reader more about him. MacDonald goes on to note that a writer has to "tell 'em, but tell 'em as indirectly as possible, achieving your effect through a feeling of mood rather than being too explicit."
In another remarkable example that MacDonald offered up to aspiring mystery writers, he presented a particular passage as it appeared in a book, then rewrote it in "too explicit" mode. The difference is striking. The published passage is a suite of movements, objects, mood, sounds. The "re-write" is flat, informative, declarative prose that doesn't stick in the aspic of the mind, doesn't make the presentation of information live. As MacDonald puts it, there is more empathy in the descriptive, indirect passage. Most genre fiction is declarative. The best is descriptive.
I don't think I could offer higher praise than to say that Chelsea Cain writes as well as John D. MacDonald. You can find very similar effects in her novels. Take the beginning of the second in the series, Sweetheart. The hero of the books, troubled police detective Archie Sheridan, is inspecting the corpse of a woman found in Forest Park. The opening paragraph is a selection of scene setting details. A skeptical reader might say, Yeah, she's got to include all this stuff just to get to the corpse, just to get the story going, but it's all really irrelevant, like most of that kind of writing is.
But scene setting details are exactly the kind of elements that MacDonald would use to portray his moral universe as well as the physical world. The ferns and the chirping birds of the opening paragraph are essential not only to set up the twist at the end of the paragraph, but also to form a contrast with the unnatural stillness and whiteness of the corpse. Amid life there is death. The mindless animal and plant life of the park seems to mock the dead body, but also to emphasize its lifelessness. To stay alive means to fight for life itself. The lush greenery and the bucolic animal kingdom is apart of the life one fights for, yet it is also the source of hazards, "red in tooth and claw". Throughout the rest of this second novel, forests will be the sites of life and death struggles, nature out of control surrounding human beings struggling for control and fighting death. It's a lot to pack into a few opening paragraphs and Cain does it with admirable effortlessness. This passage – indeed the whole series – emphasizes with compassion the human cost of serial killing – while at the same time evincing elsewhere a sneaking helpless admiration for "evil" as a transgressive society-rattling act. A few chapters later there is another perfect "MacDonald moment" when Cain uses the absence of a previously overpowering spell of popcorn as a sad indice of a now-lost friend.
American genre fiction continues to be undervalued by everyone except the millions of readers who buy it. Crime fiction is in reality harder to do than mainstream fiction (although genre fiction really is the mainstream fiction) because it has to look easier. And then there is that wonderful flowing tone of voice that speaks with such confidence. "I first heard Personville called Poisonville by a red haired mucker named Hickey Dewey in the Big Ship in Butte. He also called his shirt a shoit. I didn't think anything of what he had done to the city's name. Later I heard two men who could manage their r's give it the same pronunciation. I still didn't see anything in it but the meaningless sort of humor that used to make richardsnary the thieves' word for dictionary. A few years later I went to Personville and learned better." Frankly, I would rather read a fine thriller – any random title in the Hard Case Crime series – over "literary" fiction, typical examples of which years later almost always embarrass the memory in some way (think back on that ridiculous speculative novel that was so popular with book reading groups about the missing aviatrix, I Am Amelia Earhart with its Blue Lagoon style sexual shenanigans). Meanwhile, the crime novel does what the boys in the quarterlies say all fiction is supposed to do: explore relationships, detail the socioeconomic strata of society, critique life.
Cain's books work in the same way. Like MacDonald in his novels Cain works her effects, so to speak, invisibly in plain sight ... just like Gretchen Lowell, her anti-heroine. It's true that like his spiritual predecessors, Hammett, Chandler, and Ross McDonald, James Ellroy has changed detective fiction for all time, "elevating" it to the realm of literary fiction, but it is good to know that the old skills as John D. MacDonald preached them are still effective.
Gretchen Lowell is the heart of the series. And hearts are her trademark. She carves their design into flesh, and apparently draws them at her crime scenes. In the first novel, Heartsick, she is already incarcerated, and Sheridan, as part of a legal deal, visits her weekly to wheedle from her the name of yet another of her proclaimed 200-plus victims, so the police can close the books. Sheridan is hypnotically drawn to her, loving and hating her at the same time, or perhaps only hating her power over him, given that he sees her weekly despite the fact that she tortured him for 10 days, removed spleen, fed him spoonfuls of cleaning fluid, and carved a heart on his chest. Sheridan is her "last victim." His obsession with Lowell is destroying his family, but also intriguing the young riot grrl reporter Susan Ward, who writes for the Herald, a barely disguised version of the Oregonian. When another serial killer emerges, the After School Killer, Sheridan investigates and finds unexpected links to Gretchen Lowell. In the second novel, Sheridan is torn between two or three fronts: a new series of discovered bodies, the death of a senator accused of having sex with his 14-year-old babysitter, and the shocking escape of Gretchen Lowell from prison. There are two bravura sequences in the second book, a race to the school that Sheridan's kids attend, and a climactic face off among Lowell, Sheridan, his partner, and Susan Ward in a cabin surrounded by a forest fire. I don't think I am spoiling anything when I note that Sheridan and Gretchen also have sex. Certainly the reader by now wants them to. Each of them has sex with each other not only for pleasure but as part of conflicting master plans. It is important to point out that the sex scenes are both "tasteful" and erotic at the same time. Most writers stumble when it comes to sex scenes, especially those humorless uptight literary fiction guys like John Updike. But your mother could read the sex scenes in Sweetheart – and probably has.
Not only are these novels set in her home town, but one gets the feeling that there are all sorts of personal elements scattered throughout them (because Portland's writing community is so small, it's inevitable that this reviewer would be acquainted with Chelsea Cain, but I don't think that hampers my ability to evaluate the books convincingly). Lowell is possibly named after Cain's Bellingham elementary school. Like Cain, Susan Ward is a journalism school grad. Susan's mother, Bliss, is a ditzy aging hippie of a type the authoress must have know well from childhood on. Life in a big city newsroom feels observed as well as felt, although it is probably a lot busier in the book than in real life.
The third novel, Evil at Heart, begins 76 days after Gretchen's escape from prison in the second novel. By now Gretchen has become a media sensation, like Mickey and Mallory in Natural Born Killers. In some quarters she is a heroine to emulate. Meanwhile, Sheridan is voluntarily checked into the psycho ward of a local hospital, where he is recovering both physically and emotionally from his last encounter with Gretchen. The book opens with another gruesome discovery: a bloody massacre in one of the ubiquitous, uniform bathroom rest stops in Oregon's state park system, a gory aftermath that includes a small collection of eyeballs hidden in the tank of a toilet. Hearts are drawn on the ceiling, but is this the work of Gretchen Lowell?
Then bits of bodies and full corpses start appearing in various locales Gretchen used during her 10-year spree. Sheridan checks himself out of the psyche ward and investigates on his own, with Susan Ward in Nancy Drew mode tagging along. Without going into too much detail, detective and reporter soon learn that a pro-active cult has arisen around Gretchen, forming a website, meeting and plotting in chat rooms, and getting together for self-cutting sessions and more. Gretchen is off stage for most of the book, the subject of an international manhunt. But until she shows up – and you known that she will – her beautiful presence is evoked in three or four periodic flashbacks that trace Sheridan's early and late meetings with her, scenes that both round out the relationship and provide clues to the case at hand. Meanwhile, as the hunt goes on, a major character ends up in a Man Called Horse type situation, and Sheridan learns the depths of the evil at the heart of Gretchen Lowell.
It's a good read whose story invites you to read it too fast. The prose merits careful attention, for the reasons mentioned above. Still, the books get better and better. The dialogue has improved in the new one almost imperceptibly (which is praise, by the way). And the mouthy, neurotic Susan Ward is funnier in this book. She is still has the multi-colored hair, and the vaguely inappropriate garb of a working reporter – bright t-shirts shirts and lace-up knee boots. As part of preparation for a book on Lowell and the case that she is working on, Susan is collecting statistics on causes of death, which she spouts to whomever will listen when she gets nervous. She's like a walking copy of the Morbidity and Mortality Weekly Report, or a screenwriter auditioning new Rube Goldberg devices for the Final Destination series. In general, Cain inhabits the heads of the characters adroitly; no scene is told from an "objective" viewpoint. There is always someone looking at it or experiencing it, which expands the human tragedy of the events. And the book's ending punchline is worthy of Mickey Spillane; it makes you smile jsut as broadly.
There is an underlying sensibility that makes the Beauty Killer series resonate with the current culture and gives it a richness that other books of like kind lack. It's not easy to label but you could call it an S&M sensibility. Intentionally or not, Cain has created over the course of three novels the highs and lows, the anguish and ambivalence, the details and the general arc, of an S&M relationship. Or at least the fantasy of such a relationship. The reality, at least as portrayed in such movies as Going Under, is disappointing, as it perhaps almost always is to an aspiring fantasist. In any case, the relationship between Gretchen and Sheridan shares many of the components of the relations between a dominatrix and her lover-client-slave. On the surface the book is "normal" in that the nature of their alliance is buttressed by important plot points, but beneath that veneer the two characters' interactions trace a simulacrum of the sort of fantasies a sexual masochist has about a controlling, dominant woman.
Gretchen is, of course, the dominatrix in the situation. She is supremely confident in her ability to manipulate others, she is physically alluring to the point that she inspires obsession and even submission in men, she is enigmatic and impenetrable, and she takes pleasure, as Susan points out with admirable simplicity, in being mean. She tends to know what people are thinking several moves in advance, like a chess player. For example, in a confrontation between Sheridan and Gretchen in the new book, she knows what he is thinking before he does, such as when he is ruminating on the location of a gun he knows is in the vicinity. There are always surprises in her behavior, ever lower depths to her manipulation and cruelty. Gretchen is a thriller anti-heroine not the star of a pornographic novel so she goes in for mutilation, murder, and mayhem rather then bullwhipping and bondage and bootlicking, but mutatis mutandis, her behavior is on a similar continuum.
Sheridan, as the masochist, evinces the clinically and culturally recorded behavior of such obsessions. He thinks about Gretchen continually, he jeopardizes his marriage and family under the sway of the obsession, he is helpless against submitting to her control and in fact he likes it, he is turned on by her higher imperious indifference to him, at least in the early books, and in spite of his self-hatred over the matter. By the end of the third book there are suggestions that the cloud of obsession has lifted. But there is also the idea that he deserves his slavery to her imperious control; Gretchen, in the guise of a helpful counselor volunteering to help the Beauty Killer task force, takes a mere two weeks to seduce Sheridan into betraying his family to the point that he has decided to leave his wife for her. So in his mind, he deserves the torture she inflicts on him. His hunger for her pain only consolidates her power over him. Also conditioning him is his obsessive masturbating while thinking of her (he quips that he has ejaculated a bathtub of semen to the idea of her).
It is easy to see the allure of a masochistic swoon. In this state of mind, its "victim" willingly gives up control, immobilized by emotion and awe, willing to do anything for a few seconds with the love object. Masochistic love is the equivalent of a high school crush, or is it vice versa? Yet the passivity of the masochist is the trade's ugly secret, for in reality the dominatrix does all the work (and in a commercial context, at the behest of the client) for the pleasure of the masochist, even if the pleasure is a form of psychological conditioning that binds him to her more. She's performing an emotional lap dance for the passive recipient of her largesse.
Gretchen's evil spiderwebs out like cracks in an ice shelf. A major character in Evil at Heart has internalized the trauma of his experience with Gretchen into a masochistic life style of genital self-torture. In the masochistic world view, at least at its most feverish, suffering the pain is a way of getting to know the dominatrix, of honoring her, because all she wants out of you is to suffer pain at her hands. There is something exquisitely cruel and imaginative about Gretchen's secret manipulations – the "experiment" – behind the misleading surface of this story. It's moral repugnance wakes up Sheridan to the depths of her evil, but is sure to excite Gretchen's true fans. In Gretchen's world, we are all lab rats.
The new book is self-reflexive, in acknowledging an outside world where there is a fan base growing up around Gretchen, just as the literary character Gretchen has her fans in the real world, the way Hannibal Lecter has his real life admirers (I've met a few – disturbing! But also strangely exciting). Susan Ward demurs, and is shocked at a culture that would love a mass murderer and a media that would cash in on her celebrity, and the reader nods in agreement and then turns the page looking for Gretchen's next shocking act. It is part of the point of the book that there is ambivalence about these things, the book is about the ambivalence of this attitude, the allure of cruelty and its real cost.
Reluctantly, one must admit that Ms. Cain has her eccentricities or tics, though they are understandable in a writer who is striving to meet a pressing annual deadline (the first book had the luxury of a four-year gestation). For example, she is always careful to describe the art or slogans on a character's t-shirt. She calls Lake Oswego by its longtime euphemism, but as a lifetime Portland resident, I've heard it as Lake NoNegros, not Lake NoNegro, plural instead of the singular. She has a character wonder why hospitals are kept 10 degrees colder than anywhere else, but doesn't supply the answer (to curb bacteria). But these are minor quibbles and I could be wrong. In any case, if these are the only complaints one can come up with in a complicated 300-plus page book, then Chelsea Cain must be doing something right.


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Croatian Cities to Offer Free Guided Tours to Mark International Tourist Guide Day
- by croatiaweek
- in Travel
A chance to save some cash this weekend and taking a guided tour of some major Croatian cities…
Free guided tours of cities across the country will be held over the weekend to celebrate International Tourist Guide Day which falls on 21 February 2016.
If you are in Dubrovnik the free guided tours start on Saturday 20 February 2016 at 10:00 from Pile Gate. There will also be free expert guided tours in the capital Zagreb. The free tours on Saturday will leave at two times – 10:00 and 11:00. The meeting point in Zagreb is in front of the tourist information centre on Ban Jelačić square.
On Sunday 21 February Rijeka and Opatija will be offering free guided tours on 2 separate buses. At 9:00 from Jelačić square in Rijeka one bus will set off, whilst at 10:30 it will head off to Opatija.
The TuRistički bus for Opatija will also head off from Slatina at 9:30 and 11:30 it will head to Rijeka. Free tickets for both buses can be picked up from the tourist info centre in Rijeka (Korzo 14) and in Opatija (M. Tito 128).
An initiative from the World Federation of Tourist Guide Associations, the International Tourist Guide Day was first held in 1990 when 15 countries participated. Since then it has grown considerably.


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Artificial Intelligence As A Marketing Trend
The main character in the Netflix series, Altered Carbon, wakes up two hundred years in the future. As he's exploring his new surroundings, he's bombarded with hundreds of advertisements that are virtually beamed into his brain; so many that he becomes overwhelmed by the sheer amount of personalized messages he's receiving. Hopefully, things won't get to that. But the age of artificial intelligence in marketing and personalized advertising is here.
What is Artificial Intelligence?
Artificial intelligence (A.I.) is any technology that mimics human intelligence. It can respond to questions, make decisions, and recognize images or speech. Most of us think of robots and science fiction stories set hundreds of years in the future when we hear the phrase "artificial intelligence" and that's partly true. Essentially A.I. is a robot. But robots don't always have to have a physical form; we give them that form for dramatic effect or to make the idea of interacting with another intelligence easier to accept. But really, A.I. can be anything from predictive text to chat-bots to the increasingly popular smart speakers made by Amazon, Google, and Apple.
Artificial intelligence (A.I.) is any technology that mimics human intelligence. It can respond to questions, make decisions, and recognize images or speech.
In regards to digital marketing, artificial intelligence will be able to use big data captured from social media and internet user habits to interact with customers throughout the customer journey. Companies will be able to personalize their customer's experience; from attraction and nurturing to converting and relationship building.
How A.I. Will Be Used In Marketing
As the technology improves, the number of possibilities for its use will increase. Here a few of the ways A.I. is being used now and will be used in the future:
- A.I. created content – Using elements collected from datasets, A.I. can create content seemingly written by a human in seconds. The Associated Press began using an A.I. platform called Wordsmith to drastically increase stories based on earnings data from 300 per quarter to over 4,400 per quarter.
- Content curation – similar to the "customers who bought this also bought…" but applied to blogs or articles on your site.
- Voice search – consumers are becoming used to activating their phone using their voice or talking to their home assistants. The data collected from these interactions can be used improve the customer experience.
- Conversion modeling – A.I. will be able to predict the likelihood of a customer converting, and at what stage in the sales funnel the customer is more likely to convert at.
- Lead nurturing – Artificial intelligence can be used as a marketing solution to determine whether a lead is worth pursuing, needs a bit more nurturing, or is hot.
- Customer service – A.I. can determine which customers will be more likely to purchase again and when, or to identify customers who may decide not to purchase again. Targeted messages can then be sent before the customer reaches that decision.
2018 Trends in A.I. Marketing
The latest developments in artificial intelligence for marketing are being made in the areas of social media image recognition, marketing campaign personalization on an individual basis, and conversational marketing.
Social media image recognition
Images posted to social media offer an amazing amount of insight into consumer behavior and preferences, but for a human, it's an impossible task to sift through the millions of photos posted per day. With A.I. handling the task, marketers can learn where products are consumed or how well product placement works.
Individual personalization
After analyzing consumer habits, A.I. will be able to recommend personalized content based on when a customer starts their journey and/or where they are in the sales funnel.
Conversational marketing
With the continued development of chat-bot tech, A.I. will be able to determine what content is relevant to each customer conversation allowing marketers to deliver the right content at the right time.
With the data collected every day from users' online habits and social media, marketers will be able to get to know their audience on an extremely intimate level. Artificial intelligence will be the key link that allows marketers to understand a customer's needs in better detail, while the customer will gain a better understanding of a brand or product. We are heading to a future where marketers will be able to use A.I. technology to reach customers on a level once reserved for science fiction stories. Contact Hive 180 if you'd like to find out more on how artificial intelligence can become part of your company's marketing strategy.
Hive 180 is...
a Steamboat Springs, Colorado-based full service marketing and advertising company. Our creative services include branding, logo development, graphic design, web development & hosting, photography, video, licensed drone operator, social networking, marketing strategies, digital marketing, search engine optimization (SEO), print collateral and general marketing consulting.
Hive 180 invites you to call us and engage in thought-provoking conversation. Come by for a coffee, or to bounce around ideas. If we're a great fit to partner, we'll pin point projects and layout a plan to grow your business.
"We love what we do. It's not just words, but our daily inspiration. We are so lucky to create for our clients. We want you to think of us as your own in-house marketing team. We can be as much or as little as your goals require, but one element remains true…our energy, professionalism, creativity and integrity will be the foundation of all endeavors we take on together."
– Daniel & Leslie, Hive 180 Owners


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And down the rabbit hole we went…
This years of Beyond Wonderland has come to a close and we can truly say it was bigger and better than ever before. This 9th edition took over NOS Events Center in San Bernardino as it took in more than 110,000 dance fans and transported to them to a psychedelic world like no other. With over 90 artists performing, you could never escape the Beyond Wonderland vibes and tunes.
Now to the music. The lineup was a pleasant surprise to everyone as it seemed like it included anyone you would ever want. Headliners were even more overjoyed when they noticed that there weren't too many artists that overlapped one another. The fact that Dreamstate and Mau5trap brands were there was a huge hit, for good reason. The artists that really graced all the stages were Deadmau5, Rezz, Armin Van Buuren, and Yehme2. We were also lucky to get a taste of Deadmau5's alter ego Testpilot, as this was his first Beyond Wonderand experience. These stellar artists emulated Beyond Wonderland and everything that it stands for. Also, EDM legends like Rusko and Feed Me took the stage as everyone couldn't believe they were finally back in concert. A major surprise hit the stage as well this past weekend. Kaskade delivered a secret Drum n Bass set at the mysterious 'Rabbit Hole' stage. You can check out a few clips from that set by clicking here!
Although it's not main stage, Caterpillars Garden was something to be reckoned with. Friday night, it transported everyone to a state of Trance with Dreamstate as the host. Artists like Aly & Fila, Liquid Soul, and Andrew Rayel dominated that stage and gave us the best of the best. On Saturday, it completely transformed into the Basscon host where things instantly became more rowdy. The night ended there with a Lil Texas set which definitely brought in all the bass-heads.


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Rumors of a summer swoop for Marco Verratti lit up the transfer rumor lines Friday after reports surfaced that Inter would be preparing a major offer.
The Paris Saint-Germain midfielder apparently could move back to his home country after his agent reportedly told a Serie B club executive over dinner that Inter is readying a big-money transfer package for this summer, according to a sport by Italian TV channel Rai Sport. However, other reports concluded that PSG would do its best to keep hold of Verratti.
Telegraph writer Jason Burt posted that Verratti would not be moving to Chelsea in January no matter how much money the English club offered.
While that doesn't exactly refute the original report, it does confirm that PSG is doing its best to hold onto the Italian midfielder no matter the offer.
Since moving from Serie B side Pescara in 2012, Verratti has been an important part of the PSG midfield. He's made 12 Ligue 1 appearances this season, with featuring in eight wins, three draws, and one loss. Meanwhile, the club has lost twice in the five matches Verratti did not appear.
Verratti sports an 88% pass accuracy, and while that's not a standout number on a possession-based team like PSG, coupled with a stunning 85% take-on rate (18/21), he has been an asset to a PSG squad that sits third in the Ligue 1 table four points back of the leader. Unai Emery's group will face off against Barcelona in the Champions League knockout stage in February.
Verratti's current contract with PSG runs through 2021.
There have been reports of discontent between player and manager, but in late November, Emery looked to ease those fears saying, "He is happy in Paris and at PSG, one of the most important teams in the world." This came after Italy manager Giampiero Ventura said Verratti was not playing against top competition at Ligue 1 and that playing for a strong team like PSG means he can coast through matches.


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Lara Downes Hits The Road For "Sounds Like America" Tour
September 12, 2017 | Cody Drabble
Lara Downes continues her exploration of the American songbook with "Sounds Like America."
September 12, 2017 | Cody Drabble
Lara Downes continues her exploration of the American songbook with "Sounds Like America."
August 28, 2017 | Jen Picard
Guitarist Ross Hammond returns to Insight with music from a new album before a marathon 12-hour concert at Luna's Cafe.
August 25, 2017 | Chris Remington
The Sacramento rock group House of Mary performs live on Insight Music and discusses the release of their first full-length album "Clout."
August 25, 2017 | Jen Picard
Sacramento's newest grunge, low-fi rock band Cities You Wish You Were From comes to Insight Music to share music from their new album.
August 25, 2017
Shawn Thwaites Rebel Quartet explores the sounds that made Shawn into the versatile and talented musician he is today.
August 14, 2017 | Dennis Newhall
Jazz host Dennis Newhall talks with Chris and Jocelyn Arndt before their show at Harlow's on Wednesday.
August 10, 2017 | Steve Milne
The traditional sounds of Mexico will be playing in the heart of midtown Sacramento Saturday for an event called Mariachi Festival de Sacramento.
July 6, 2017
Festival Director Julie Baker talks about the 2017 lineup and the growth of the event after 21 years of celebrating music.
June 2, 2017
Northern California locals Misner and Smith become a full-sized band for the debut of their latest album "Seven Hour Storm" on vinyl. The duo talks about the new album and play live in studio.
May 12, 2017 | Chris Remington
Folk-American musician David Luning previews music from his new album "Restless" ahead of his Friday show at Harlow's.


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Lewiston Man Says His Brother Was Killed In Blast In Somalia
LEWISTON, Maine - A Maine man says his brother was one of the more than 300 people killed in a bomb blast in Mogadishu, Somalia.
Twenty-seven-year-old Iman Osman, of Lewiston, says the explosion was so powerful that debris killed his brother even though he was 1,000 feet (304 meters) away when the truck bomb detonated.
He told the Sun Journal that his brother had fled to Kenya, but last year returned to Somalia hoping things would get better after a new government came to power.
Osman, who fled Somalia when he was 3, says his brother was a husband and father of eight, with a ninth child on the way. He worked as a first responder driving an ambulance.


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Molecular Dynamics Simulations of Plastic Deformation in Dopant-Modified Nanocrystalline Metallic Materials
Date of Graduation
Document Type
Degree Name
Bachelor of Science in Mechanical Engineering
Degree Level
Mechanical Engineering
Spearot, Douglas E.
Committee Member/Reader
Zou, Min
Polycrystalline metallic materials commonly exhibit the Hall-Petch relationship, which states that decreased grain size leads to increased strength. As a result, nanocrystalline metals, which are defined as polycrystalline metals with average grain diameters on the nanoscale, exhibit ultra-high strength phenomenon. Despite their incredible strength, the applications of these materials are severely limited due to thermodynamic instability that causes low temperature grain growth and a reduction in the enhanced properties. It is known that dopant atoms located at the grain boundaries in nanocrystalline metals can reduce this effect and stabilize the microstructure of these materials, but little is known about the impact they have on dislocation nucleation from the grain boundaries. The goal of this research is to study the effects that antimony atoms segregated to the grain boundaries in nanocrystalline copper have on strength during nanoindentation via molecular dynamics (MD) simulations. In nanocrystalline Cu-Sb alloys, with low concentrations of Sb segregated to the grain boundaries, the microstructure is stabilized, without any significant effect on strength during nanoindentation. In pure nanocrystalline Cu, the location of the indentation has a significant effect on the response of the sample.
Brown, L. (2013). Molecular Dynamics Simulations of Plastic Deformation in Dopant-Modified Nanocrystalline Metallic Materials. Mechanical Engineering Undergraduate Honors Theses Retrieved from https://scholarworks.uark.edu/meeguht/5


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Parul Rishi. (2003). Organisational Changes- The Right Recipe? A Case Analysis of HP at the Cultural Cross Roads. Case Folio (December-03) PP 51-53.
Parul Rishi. and Kameswari, VLV. 2002. Capacity and competence building for forest managers: A National Survey. Indian Journal of Training & Development. 32(3), pp.41-48.
Parul Rishi. 2003. Attended and presented a co-paper with Rekha Singhal on "Indicators of Participation in JFM: An Empirical Study." in World Forestry Congress, Quebec, Canada from 20th–28th Sep, 2003.
Parul Rishi. Attended and presented a paper on "How Stakeholders Perceive Joint Forest Management? An Empirical Analysis" in World Forestry Congress, Quebec, Canada from 20th–28th Sep, 2003.
Parul Rishi. 2003. Presented a paper on "Indian Psyche and Community Forestry: The Question of Survival & Sustenance" in National Conference on Indian Psychology organised by Indian Educational Development Centre, Dhule from 31st to 2nd February, 2003 at New Delhi.
Parul Rishi. 2002. Attended and presented co-paper with V.L.V. Kameswari on 'Capacity & Competence Building in Forest management' in International Seminar on Challenges before HRD in this Millennium from 18th to 20th January 2002 at New Delhi.
Parul Rishi. 2002. Ignorant steps towards Joint Forest Management, C&I, India Up-date, 1(2), 13-14.
Parul Rishi. 2002. A Behavioural Analysis of Protected Area Management: Experiences in Keoladeo National Park. In, Book of Abstracts of International Symposium on Society and Resource Management, La, Maddalena, Sardinia, Italy Page 60.
Parul Rishi. 2002. Joint Forest Management at Village Level: A Cognitive Analysis, Indian Forester. 128(5) pp. 539-544.
Parul Rishi. 2002. Leading JFM through Nurturance. International Forestry Review 4(2) pp.43-48.
Parul Rishi. 2002. Occupational Stress & well being: A psychosocial Approach. Management & Labour Studies,27(4), pp. 263-272.
Parul Rishi. 2002. A Training Need Analysis of Forest Officers: A National Survey, IIFM Newsletter, Vol. V (3).
Parul Rishi. 2003. Presented a paper titled 'Humanizing Green Education through Participatory Management: Local to Global Perspectives', in the International Conference on 'Globalization and Challenges for Education', organised by National Institute of Educational Planning and Administration, Delhi held at PHD House New Delhi, 19-21 February 2003.
Parul Rishi. 2003. What Actors think of Joint Forest Management: A Perceptual Analysis. International Forestry Review. 5(1), pp. 53-57.
Parul Rishi. 2002. Attitudinal assessment in protected areas: A Conceptual analysis. Management & Change. 6(2), pp. 365 – 377.
Pethiya, B.P. 2002. Presented a paper titled "Developing a mechanism for revolving fund: Creation and Utilization' in the workshop on Developing metrology for Revolving Fund Including the Utilization under the assessment on Regulatory Constraint to the Development of Sustainable Financing Mechanism for Forestry Operation,' held at Lucknow 07 May 2002.
Pethiya, B.P. 2002. Published an article on "Paryavaran- Kya yeh Samasya Hai?", in Tarushikha (2002), an inhouse magazine of IIFM, as first author.
Prasad, R; P.C. Kotwal and Manish Mishra. 2002. Impact of harvesting of Emblica officinalis (Aonla) on its natural regeneration in central Indian Forests. Journal of Sustainable Forestry. Volume 14, No. 4, pages 1-12. The Haworth Press, Inc., 21, East Broad Street, West Hazleton, PA 18201-3809. USA.
Prasad, R. and Bhattacharya, P. 2003. Sustainable harvesting of Medicinal Plant Resources. Contemporary Studies in Natural Management in India (Ed. S. B. Roy) 2003 Pub. Inter-India Publications, New Delhi pp. 168-198.
Rathore, C.S. and Prasad, R. 2002. TOF Resource Study and Management: Assessment Methodologies and Institutional Approaches in India. Proceedings of the Expert Consultation on Enhancing the Contribution of Trees Outside Forests to Sustainable Livelihoods, FAO, Rome.
Singh, R.K. and Sinha, V.K. 2003. Analyzing Conflicts in Natural Resource Management published IIFM, Bhopal. ISBN 81-7969-008-3.
Singh, R.K. and Sinha, V.K. Legislator Perception about the Participation Forest Management and their Role: A case study of Madhya Pradesh Legislative Assembly.
Singh, Vandita. 2003. Presented a paper titled 'Analysis of Indian Forest Management Practices from Psychological Perspective' in the National Seminar on 'New Horizon of Psychology'. Government Girl's Degree P.G. College, Indore. (Sponsored by IIFM, Bhopal), 22-24 January 2003.
Singhal, R. and Sharma, N. Presented a paper titled 'Adaptive learning : an approach to earth care' in IInd International Conference on Sustainable Agriculture, Water Resources Development and Earth Care Policies, held in New Delhi, 18-20 December 2002.
Verma, Madhu. 2003. Presented a paper in launch workshop of Center for Science and Environment (CSE) on 'Urban Wetland Campaign', held at India Habitat Centre, New Delhi, (Sponsored by IIFM), 03-04 October 2002.
Verma, Madhu. 2003. Presented a paper titled 'Role of multiple Stakeholders for sustainable management of water resources – Case of an urban wetland of Madhya Pradesh' in the National Seminar on 'New Development Paradigms and Challenges for Western and Central Region States in India', held at Gujarat Institute of Development Research, Ahmedabad. (Organised as part of Ford Foundation's 50th Year Celebration), 04-06 March 2003.
Yadav, Manmohan. 2002. 'Forest Certification – A Conceptual frame work' Paper in the Workshop Proceedings on "Bamboo Resource Development and Utilization in Kerala" on July 22, 2002 organised by KFRI at Trivendram.
Yadav, Manmohan. 2002. "Certification and Labeling", in Proceedings of the Sensitization Workshop on Forest Certification and Labeling November 09, at MFP Federation Bhopal.
Yadav, Manmohan. 2002. Edited Proceedings of the Workshop on "Case Method and Case Writing for Academic Staff of IIFM," December 12-14, 2002.
Yadav, Manmohan.2003. "An Artist Par Excellence" (A Case Study) Vol. V, No. 4 Vol. VI, No. December 2002 -March, 2003 IIFM News letter.


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Following the informative and enlightening keynote address – 'Investigative Journalism: An Adequate Defence of Human Rights and Good Governance' – by Dr Monica Chibita from Uganda Christian University in Mukono, veteran editor David Sseppuuya (above) came at it with both barrels.
'Bored' with corruption
"Some of its most important functions are to inform, educate and entertain and, when doing so, to be irreverent, unruly and opinionated."
- The bus that crashed into an elephant in a National Park killing eight people and injuring 45. Figures show Uganda is second only to Ethiopia in the number of road accidents in Africa. It's a national scandal that slips by unnoticed.
- The Army kills 25 'suspected poachers', ironically in the same national park at the bus crash. No arrests, no trials, no questions asked. Is this really happening in a country with aims of 'First World Status', according to President Museveni?


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The Trade Question Mark
By SBE Council at 27 March, 2019, 12:26 pm
by Raymond J. Keating-
The biggest question mark when it comes to policy and the U.S. economy is trade. And the latest report from the U.S. Bureau of Economic Analysis highlights the resulting problems.
Exports (seasonally adjusted) were up slightly in January compared to December. January's monthly exports came in $207.3 billion, which was off from the $212.9 billion in May 2018.
Meanwhile, imports were off in January versus December, and have been on a general decline since October — $267.2 billion in October versus $258.5 billion in January.
Hiking U.S. tariffs, of course, raises costs for U.S. consumers and businesses of all sizes, while threatening to impose additional tariffs creates uncertainty about future costs.
Small businesses are affected given that increased tariffs or quotas raise costs. Keep in mind that more than 55 percent of U.S. imports serve as some kind of inputs for businesses, and retaliatory measures by other nations reduce opportunities.
CNBC reported the results of a new study from Federal Reserve Bank of New York, Princeton and Columbia universities:
"The study found that U.S. businesses and consumers saw 'substantial increases' in the price of goods throughout last year, including a 'complete passthrough' of U.S.-imposed tariffs onto imported items. The economists — the New York Fed's Mary Amiti, Princeton professor Stephen Redding and Columbia professor David Weinstein — also said Americans suffered by a lack of import variety and disruptions to supply chains."
In addition, it was noted:
"The authors found that while losses were accumulating at a rate of $1.4 billion per month by November, total losses from January through November ballooned to a conservative estimate of $6.9 billion. That number may be too low, the economists said, because their model assumes that the U.S. government uses tariff tax revenues to offset the welfare burden."
Given the positive changes on the tax and regulatory fronts experienced during 2017 and 2018, removing harmful tariffs would remove a major question mark for consumers, small businesses and investors. In addition, more time and energy by the Administration focused on advancing trade agreements would add another major positive in the policy mix for economic growth.
Raymond J. Keating is chief economist for the Small Business & Entrepreneurship Council.


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Great Expressions Dental Centers
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Greenbaum Optometry
Greystone Programs, Inc.
Gross & Flores: Gatchalian Joel DDS
Grunblatt Psychology and Counseling
Gunther Goldsmith, DDS
Hampton Family Dentistry
Hara J. Schwartz, MD
Health Alliance of the Hudson Valley
Health Quest @ Northern Dutchess Hospital
Health Quest Medical Practice - Division of Neurology
Health Quest Medical Practice Surgical Oncology
Health Quest Medical Practice-Obstetrics and Gynecology
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Health Quest Medical Practice-Urgent Care
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Henry Cohen, DMD, PC
Henry S Cohen D.M.D
Herbert Kania Pediatric Group
Highland Mills Dental Care LLC
Highland Opthalmology Associates
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HRH Care Center
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Independent Living
Indu Lal, MD
Innate Chiropractic
Institute for Aesthetic and Reconstructive Surgery
Institute for Family Health
Irving M. Stillman, MD, PHD
Ivan Ginder, DDS
Jai Ma Yoga Center
Janina Braun, DDS
Jeffrey Brownstein, DDS & Michael Smith, DMD
Jeffrey Ginsberg, DMD Pediatric Dentistry
Jeffrey M. Stewart, MD
Jeffrey R. Moran, DDS and Erina Eccher, DDS
Jency Elliott, PCD
Jenna Houston, CNM
Jennifer Levinson, PCD, DONA,, CLC
Jennifer Stack Wellness
Jerome Goldberg, DMD
Jessica Becker
Johanna D'Aleo, CD, DONA
Johanna Hergert, MS LAC
John P. Costello, DMD
Jong D. Hyun, MD
Jose M. Perez, DDS
Joseph G. Dell, DDS
Joseph Higgins, MD
Joy Brewster & Associates
Juancho Chan, MD
Kastin Orthodontics
Kathleen Ennabi Pediatrics
Kelli A. Meland-Lewis, PHD
Kennedy Birthing Center at St. Anthony Community Hosptial
Kenneth H Zatz, MD, FAAP
Kent Primary Care
Kidney Specialty Clinic
Kids Doctor Medical Service, PC
Kimberly M. Zambito, DDS
Kingston Dental Associates
Kingston Family Health Center
Krishna Kant Dixit, MD
LaGrange Dental Group
LaGrange Eye Care
Lane McEwan, DMD
Laser and Cosmetic Surgery Specialists
Laura Keegan, RN, FNP
Le Leche League of New York
Leonard Gerber & Christopher Bromley, DPM, PC
Lester Chiropractic
Liberty Pediatrics, PC
Libery Pediatrics, PC
Lifeforce Family Health Care
Linda Kleinhenz, DO
Linda Mason, NPP
Linda Thompson, NP
Liston Advocates
Little Pediatrics
Longo & Chung Dental Office: Anthony M. Longo DDS, Joseph K Chung DMD
Louis M. Fuoco, DDS
Louis Rodrigues, MD
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Luxe Optique
Maher Chiropractic
Margarita Kogan, DO & Lisa Thayer, NP
Marlin Schwartz, DDS
Martha A. Chun, DMD
Marvin Rosenthal, DDS
Mary E. Dyer, MD
Mary Nettle, RN at Northern Dutchess Neugarten Birthing Center
Mary Rita Sheehy, OD
MD Eye Care
Medical Associates of the Hudson Valley
Medical Oncology
MelMel Dental
Melville Hughes MD and Tania Cohen PA-C, MPAS
Memorial Sloan Kettering Cancer Center
Merit Counseling
Mesbaheddin Balaghi, MD, PHD, FACP
Michael Rothstein, DDS
Michael Varieur, DDS
Mid Hudson Dental
Mid Hudson Doula Services
Mid Hudson Health Care
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Mid-Hudson Retina Consultants
Milestone Pediatrics, PLLC
Milestones for Munchkins
Mill Pond Pediatrics, affliated with Boston Children's Health Physicians
Mommy and Me Yoga & Concious Parent Coaching
Monica R. Meyer, MD
Monroe Dental Office, PC
Monroe Pediatrics
Monsey Family Medical Center
Moriarty Physical Therapy
Mt. Sinai Health Systems
Nelson D. Hidalgo, MD
Nesheiwat Medical Practice
Neugarten Family Birth Center at Northern Ducthess Hospital
New Baby New Paltz
New Beginnings Plastic & Reconstructive Surgery
New Paltz Family Medicine
New Windsor Family Medicine
New Windsor Pediatrics, PLLC
New York Group for Plastic Surgery
New York Oncology Hematology
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New York Presbyterian Medical Group Hudson Valley
Newburgh Mall Dental Service
Newman Chiropractic
Nila A. Shah, MD
Nizam R. Jabbour, DDS
Nogrady Chiropractic
North Rockland Pediatrics
North Rockland Pediatrics, affiliated with Boston Children's Health Physicians
Northeast Doulas, LLC
Northeast Regional Epilepsy Group
Northern Medical Group Gastroenterology Division
Northwell Health Physician Partners Midwifery at Harrison
Nunziata Raschella, MD PLL
Nyack Wellness
NYU Langone Village Medical, LLC
NYU Pediatric Neurosurgery Associates
OB/GYN and Specialty Care Center of Kingston
Olivebridge Midwifery
Open MRI of Middletown
Orange County Dental Center
Orange County Department of Health
Orange County Pediatric Dentistry
Orange Dermatology Associates, PC
Orange Pediatric Associates
Orange Pediatric Care
Orange Regional Medical Center
Orange Regional Medical Group
Orange Regional Medical Pavilion
Orangetown Pediatric Associates
Orangetown Pediatrics
Orthopedic Associates of Dutchess County
Pachter Orthodontics
Paporto Chiropractic
Partners in Pediatrics
Patricia Jones, CD, PCD, DONA
Paul Salzberg, MD
Paunovic & Paunovic
Pearl Dental
Pediatric Arts of Monroe
Pediatric Associates of Western Connecticut
Pediatric Care of the Hudson Valley
Pediatric Dental Arts of NY
Pediatric Dentistry of Kingston
Pediatric Dentistry of Poughkeepsie
Pediatric Gastroenterologist and Nutrition
Pediatric Neurology Associates, PC
Pediatric Ophthalmology of New York
Pediatric Opthalmology of New York
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Pediatric Urology Assoc.
Pediatric Urology Associates
Peet Family Chiropractic, PC
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Philip A. Williams, DMD
Philip E. Olsen, DDS
Philip Smith, DMD
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Picture Perfect Birthing
Pine Street Dental
Pine Street Dental Associates, PC
Plastic Surgeons of the Hudson Valley
PM Pediatrics
Polaski Dental Group, PLLC
Pomerantz Dermatology
Pomona Pediatrics
Port Jervis Family Health
Poughkeepsie Medical Group
Poughkeepsie Pediatrics
Prem P. Gupta, MD at Catskill Professional Plaza
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Premier Medical Group
Primary Medical Care of Rockland
Putnam Dental Associates
Putnam Hospital Center
Putnam Pediatric Medicine, LLC
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R&R Orthodontics
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Ralph Perreca, DDS
Ramapo Valley OB/GYN
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Ratna Sabnis, MD
Ray & Katherine Neville, DMD, PC
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Red Oaks Dental, PC
Reproductive Medicine Associates of Connecticut
Rhinebeck Chiropractic
Rhinebeck Foot Care
Rhinebeck Orthodontics
Rhinebeck Pediatric Associates
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Richard Kleiger, MD
River & Mountain Midwives
River Valley Family Medical Service
Riverside Pediatrics
Robert J. Hales, DDS
Robert Klein, DDS
Robert Lustbader, DDS
Robert Strange, DC
Rockland Pediatric Dental Association
Rockland Thoracic & Vascular Associates
Roger Russo, DC
Ronald Whitmont Classical Homeopathy
Rooney Orthodontics
Rosiria Dimarco, MD
Rowley Family Birthing Center at Orange Regional Medical Center
Rubin Psychological Services, PC
Saint Francis Home Care
Sandy Trimarchi, CD, PCD DONA, CLC classes at Waddle and Swaddle
Sara Jane Goldberg, DDS
Sarah Jean White, LMHC, CYT
Saugerties Physical Therapy
Saugerties Wellness Center
Scarsdale Medical Group
School House Pediatrics
Schoolhouse Road Pediatrics
Seeta Eye Care
Seung S. Yang, MD
Seven Seas Pediatric Dentistry
Sharon Jolly & Associates
Sharon OB/GYN Associates
Shriners Hospitals for Children
Smaldone Chiropractic
Smile Dentist, PC
Smile Place, The Family Dentistry
Smiles of the Hudson Valley
SmileWorks Dental Associates
Smileworks of the Hudson Valley
Smith's Little Smiles Pediatric Dentistry
Somers Orthopedic & Sports Medicine
Somers Orthopedic Surgery & Sports Medicine
Somers Pediatric Dentistry
Southern Dutchess Behavioral Group
Southern Dutchess Family Practice
Specialty Care Center of Kingston
Spiro & Richter, MD, PC
Spring Valley Dental Care PC
Sprouting With Sadie Family Daycare
Srinivas J Madane, MD
St. Francis Hospital & Health Centers
St. Francis Hospital Center for Communication
St. Luke's Cornwall Hospital
Stone Ridge Counseling and Psychotherapy
Stony Point Dental
Stuart Bitterman, MD
Stuart Feuer, DDS
Sun River Health
Sunshine Orthodontics
Susan Vromen, RN, IBCLL
Swaddled in Love Doula Services
Taconic Dental
Tara Schatzel, CD
Tartell Chiropractic
The Bone & Joint Center
The Heart Center, an affliliate of Health Quest
The Living Seed
The Pain Free Body
The Westchester Center For Holistic Families
The Williams Syndrome Family of Hope, Inc.
Thomas Eanelli, MD
Thyme Retreat with NAPA Medical Group
Timothy A. Vigna, DO, FACOP
Tischler Dental
Tomahawk Farm Pediatrics
Toothopia Pediatric Dentistry
Touro College of Dental Medicine
Town Center Dental of LaGrange
Towne Square Dental
Trimboli & Trimboli
Tru Dental P.C.
True Abundance Health Services
Tuxedo Pediatrics
University Orthopaedics
Valley Pediatric Dentistry
Van Vliet Orthodontics
Varnovitsky Tamara MD
Vassar Brothers Medical Center
Village Medical LLC
Vital Behavior Services, Inc.
Vital Signs Medical Associates
Vivian Sone, MD
W. Mack Bartels, PsyD
Walden Medical Pllc
Warwick Family Practice
Warwick Pediatrics
Warwick Smiles
Warwick Valley Dental
Washington Smile Center
Washingtonville Pediatrics
Westchester Dental Care
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Westchester Health Pediatrics
Westchester Park Pediatrics
Westchester Pediatric Pulmonary & Sleep Medicine
WestMed Medical Group


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Cities We Serve
John Naumovski, Esq.
By : John Naumovski | Category : | Comments Off on John Naumovski, Esq.
23rd Mar 2020
Attorney Naumovski started Naumovski Law in 2006. Since then, he has continuously researched new case law and develop new strategies in helping the firm's clients charged with criminal offense dismiss or reduce their charges. He has been Recognized by 2 … more


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Home Insurance FAQs
What exactly is an insurance broker?
An insurance broker represents a variety of insurance companies. We will review your needs and help you choose the best insurance quotes which can be tailored to meet your needs and risk tolerance. An insurance agent or direct-selling insurance company only sells their own product.
Why are insurance rates increasing?
The main principle of insurance is the premiums of many pay will pay for losses of a few. This allows the typical customer to protect their assets and safeguard against potential liabilities for a relatively low cost. The cost of claims for residential properties has been between $4 billion and $5 billion annually since 2008. That's about double what it was more than 10 years ago, according to the Insurance Bureau of Canada statistics. The incidence of major events has increased dramatically, mainly driven by weather. Adding to the cost of claims are the increased costs of rebuilding or repairing your home. It's like inflation, but often higher according to the construction price index put out by Statistics Canada. To compound matters, low interest rates may be great for borrowers but they are bad news for insurance companies that rely on government bonds as safe places to put their premiums to meet future obligations. With increased volatility in the stock markets it's progressively more difficult to make an investment profit.
What is a deductible?
A deductible is the amount you agree to pay per claim or accident toward the total cost of your insured loss. A standard home insurance deductible is $500; discounts are available if you choose to increase your deductible. If you can save $150 per year by increasing your deductible to $1000, after 3 years you've saved almost enough to make up the difference if you had to make a claim. If you are considering increasing your deductible, you should be comfortable contributing the higher amount, such as $1000, towards an unexpected claim.
What is a rider?
You may have valuables that require increased limits beyond your insurance package capacity (such as jewelry, furs, fine art, bikes etc.) You can amend your policy to suit your individual needs by adding a rider for an additional premium. Riders often include a reduced or waived deductible and/or protection from additional perils as well.
What is a peril?
A peril is the possible cause of damage. A named perils policy will list what perils you are covered for - such as fire, theft or windstorm. An all-risks policy will list what you are not covered for; if the cause of the damage is not excluded you are covered. An all risks policy will offer more protection.
What is an exclusion?
Your policy will include exclusions to indicate what is not insured. There are exclusions for different types of property as well as different causes of damage (perils). For example, most motorized vehicles do not have truck or car insurance and any loss or damage caused by rust, corrosion, condensation, or mold is not covered. It's important you review the policy wordings as this is where you will find the policy exclusions, exclusions are rarely found on your actual policy declarations (coverage summary). Types of property excluded are generally listed under a section titled "personal property not insured" and causes of damage excluded will be found under "loss or damage not insured".
What's the difference between Broad and Comprehensive policies?
A Broad policy offers all-risks protection on your home (the building) and named perils protection on your contents (personal property). A comprehensive policy offers all risks protection on both your home and contents. Both policies are subject to exclusions, limitations and conditions.
What is Sewer Back-up Coverage?
Most home insurance policies will not cover damage due to backing up or escape of water from a sewer, storm drain, drain, sump or septic tank unless you have purchased specific sewer back-up coverage additionally. Premiums and available limits are determined by the area you live in, preventative measures you have in place (sump pumps, back-up valves, water level alarms etc.), and any previous sewer back-up occurrences.
If I have several claims on my homeowner's policy, will my rates increase?
In most cases several claims will increase your rates considerably; depending on the situation the insurance company may also choose not to renew your coverage when it comes due to renew. Some claims just can't be prevented, and sometimes they happen back to back. Insurers will look at the cause of the claims before deciding if they will decline to continue insuring you or placing conditions or limitations on your policy. Your policy is there to protect you and in many cases it's worthwhile to make a claim. When you experience a loss we'll discuss it with you so you can make an informed decision.
Why do I have to insure my home for more than it's worth?
The amount you paid for your home or could sell it for today is referred to as the market value. The Market Value will take into account the age, condition, and size of your home as well as the value of your land. The value you insure your home for is referred to as the Rebuilding Cost; the estimated cost to rebuild a brand new home at the same location. In most cases the rebuilding cost will exceed the market value.
Have additional questions? Use our online contact form to get answers from Oldfield Kirby Esau.