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Getting Started – the Avalanche Family
Avalanche Harley-Davidson is expanding its horizons and jumping into the bog world!
"Why?" you may ask. –Because we know when a family is full of diversity, it's bound to have one hell of an experience! We are very fortunate to have so many people walk through our doors who love to share their stories with us, and now, we'd like to share one with you!
Recently Avalanche HD has dug deep into their pockets to help one of our own Fit Specialist in his time of need. John Queen (Fit Specialist) has been with Avalanche for just under a year now and has become an important part of our family. So when he came to us in his time of need – we didn't hesitate to go all out in fundraising to support his family.
John's son-in-law Phil Hastings, who turned 34 this past May, has been battling an extremely rare form of lung cancer since he was just a teen, and according to John, has been a great, strong man. Phil and his wife Nicole have twin boys, Jack and Foster, who are just over two, and will be welcoming a new little girl this month. Unfortunately, Phil's health recently took a major turn for the worse, and he's been referred to hospice. Phil is ineligible for medical insurance as well as life insurance, and their financial burden has become dire.
The last two Bike Nights at Avalanche H-D, staff and guests pulled together to help raise funds for this family. We quickly put together 4 raffles and with the generosity and help of everyone who attended the events, we raised over $1,200!
This Sunday, Oct 13 the staff at Avalanche has put together a Poker Run to benefit Phil and Nicole's family. Registration for Phil's Poker Run starts at Avalanche HD at 9:30 AM – last bike out at 10:30 AM. It's free to ride and $10 to play.
Start @ Avalanche Harley-Davidson
1st Stop: Quincy's Bar & Grill
2nd Stop: Sedalia Bar & Grill
3rd Stop: Platte River Bar & Grill
Final Stop: The Draft
Best Hand: 2 Lift Tickets to Crested Butte
2nd Best Hand: Colorado Rockies Troy Tulowtizki Autographed baseball
Worst Hand: 1 Year Supply of FREE Oil Changes by Royal Automotive
We don't know if we can call this paying it forward, but we do know that the biker community is generous and always ready to ride! – Especially for a good cause! It's been a long and amazing journey working with Avalanche HD and these people we come to work with everyday have become more than just co-workers – we are a family! We hope you join us in supporting one of our own this Sunday and show the community once again just how generous the biker community really is!


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CALLAWAY COUNTY - Callaway County Sheriff's Office deputies arrested a man Tuesday afternoon on charges of statutory sodomy and tampering with a victim in connection to a child's sexual abuse.
Deputies arrested James Adams, 50, at a residence on County Road 311 near Fulton.
The Callaway County Sheriff's Office and the State of Missouri's Children's Division investigated the sexual abuse offense in October 2015.
Adams was incarcerated in the Callaway County Jail on $50,000 bond.
More News
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COLUMBIA - Mayor Brian Treece gave an update Thursday morning on his thoughts about the proposed mask ordinance. "On... More >>
COLUMBIA – The extended deadline for filing income taxes is fast approaching, but help is available for those who need... More >>
(CNN) -- Sleep problems in early childhood may be linked to the development of certain mental health disorders in adolescence,... More >>
As COVID-19 continues to spread, KOMU 8 will continue to update you about impacts in the community. You can... More >>
COLUMBIA - Boone County has seen its number of COVID-19 cases rise over the past few weeks. This has prompted... More >>
COLUMBIA - After a yearslong battle between local activists and the city that featured environmentalist Sutu Forté... More >>
JEFFERSON CITY- Jonathan Irons was wrongfully convicted for almost 23 years in the state prison system, however Wednesday, July 1... More >>
COLUMBIA - The Columbia City Council plans to review an ordinance on July 6 that would require people to wear... More >>
DUBUQUE, Iowa (AP) — Officials in Dubuque have been informed that the IBM Client Innovation Center will close within four... More >>
COLUMBIA —MU's Greek Life is looking at changes after the university released its new Show Me Renewal Plan for the... More >>
COLUMBIA -— With COVID-19 limiting public firework displays this Fourth of July, health experts are warning people of the dangers... More >>
COLUMBIA— June saw the highest numbers of COVID-19 tests in Missouri so far. Some testing centers are struggling to... More >>
HALLSVILLE — For Mid-Missouri high school football coaches, this summer is a little bit different. Due to the COVID-19... More >>
JEFFERSON CITY — The Jefferson City Police Department arrested a suspect after a shots fired disturbance on June 26 at... More >>
As COVID-19 continues to spread, KOMU 8 will continue to update you about impacts in the community. You can... More >>
JACKSON COUNTY - From July 10 to July 13, both directions of I-70 on the east side of Kansas City's... More >>

subset: commoncrawl


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As an exchange student at Aarhus University, you are expected to participate actively in class discussions, group work and projects. You must also be able to write academic papers and take written exams. To do this, you must have the necessary level of English language proficiency, comparable to the English B level from the Danish upper secondary school (gymnasium). International qualifications comparable to this level are:
TOEFL test results of at least 560 (paper based test) or 83 (internet based test)
IELTS test with a minimum score of 6.5 points
C1 level obtained by examination from a CEFR-validated English language course
Since you are expected to have the appropriate English skills, most applications should not include language documents. However, Aarhus University reserves the right to take action if students do not comply with the required language skills.
Please note that if you apply to be an exchange student within the Faculty of Science and Technology, Faculty of Arts (the English Degree Programme only) and Faculty of Health, you must include language documentation. Please review the information below.
Applicants for the International Semester in Medicine at the Faculty of Health are required to have English language qualifications comparable to CEFR C1, TOEFL IBT 83, IELTS 6.5. English language qualifications can be documented as follows: TOEFL test, IELTS (academic) test, "C1 level" obtained by examination from a CEFR-validated English language course.
Applicants can be exempted from this rule. The exemption apply to the following types:
Courses in the International Semester in Medicine are the only ones taught in English at the Faculty of Health. Applicants to any other courses are expected to be fluent in Danish.


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COVID-19: We are taking orders but please note our delivery timelines and way of working.
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Take a pair of simply gorgeous Rattan hanging baskets, plant them our ever popular Begonia Sparkle, and you have a sure-fire winner. This lovely colourful duo will decorate your garden all Summer long and other than regular watering you have nothing more to do, except to enjoy! Easy gardening solutions.
Our Pre-Planted 27cm hanging baskets contain plants grown pots at our nurseries in Jersey. Each can vary in measurement of height from the root of the plant to the top of the stem.
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Gooseberry Mesa
Gooseberry Mesa on Trailforks.com
My buddy and I rode Gooseberry Mesa earlier this month. I know, Gooseberry's not in Arizona, but I sure wish it was. Gooseberry is divine. Everything you hear about Gooseberry is true, and we only rode the South Rim Trail to Hidden Canyon and back through the practice loop.
Out on the trail we met Morgan Harris, one of the brothers who built Gooseberry. He was out doing routine maintenance and recommended the Hidden Canyon portion of the trail. We were not disappointed.
There is so much more to explore. If you are looking for detailed trail info, GPS tracks and maps, head on over to the Gooseberry Trail Guide at UtahMountainBiking.com. For awesome pictures, videos and a trip report visit Pete Fagerlin's Gooseberry page.
Other great trails in the area. Jem and Guacamole. You wont be disappointed.
Gooseberry Mesa from MTBikeAZ on Vimeo.
March 2007 trip to Gooseberry Mesa. Riding Kona, King Kikapu and Kilauea. Good times.
Music: Wheels by Cake
{ 3 comments… read them below or add one }
- 1 January 22, 2019 at 2:13 pm
Gooseberry is fantastic as are it's near by neighboring trails, Little Creek Mountain, Zen Trail, Guacamole and JEM. Camping is free on the mesa, bring fire wood. There is a bathroom. All the trails are fun with stunts every few seconds in many parts of the trails. Bring your dog if fit and well trained.
- 2 October 18, 2016 at 5:47 pm
Rico Rocks!!!
- 3 May 5, 2010 at 4:55 pm
Spectacular…destination ride for sure, not too gnarly, but makes you feel real earthy and spiritual…
Leave a Comment


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Discussion in 'K-pop' started by Seger, Nov 29, 2017.
The Produce thread have quite stood on their own here, so the suffering continues!
Coming this 2018!
Are there even enough trainees to do this? WHAT DOES IT ALL MEAN
Every Korean citizen is now required to join an agency at age 8.
Ddd.mp3 I never finished season 2, but I'm back in for this one.
This season will be just girls right?
Has there ever been a successful group like AK48 with the same theatre/election-style system in Korea? It seems like an odd venture to pursue.
I'm surprised there wasn't an uproar over using Japanese format (well, if there are potentila for money national pride is irrelevant) and didn't the flop of THE BOYS24 teach them anything?
I think they'll Koreanize the format. It'll be just 48 girls in standard idol group for like a year and then that's it.
But didn't they cut it down to 8 members who are permanent as opposed to what I believe AK48 does where the lineup changes each release?
That was always the end game for this project. Prior to that they did shows as 24 members for few days a week in theater. The whole thing was complicated.
This is just a rumor going around Pann, but apparently this is some of the cast and the comments are already a jingoistic mess because of all the Japanese contestants ddd.
Some of the notable names in the Korean list are:
Hina from SM (?!?!?!)
Kim Bora from FNC
Han Hyeri from Season 1 (it lists her as a personal trainee, did she escape Star Empire?)
Shin Yeeun from ContentY (visual goddess!)
Ahn Dabi from Maroo (Jihoon's label) + Mixnine
Ahn Yoojin from Starship (the dancer stealing the shine in Sewoon's performances)
Eunjin and Somyi from survival support group D.I.A.
Yena from Yuhua
Bae Eunyoung, Jo Yuri, and Lee Sian from Idol School
Apparently there'll also be a JYP trainee but she isn't in the list. I hope it's true if only for Hyeri coming back for her rightful 11th place spot, but I'm suspect with an SM rookie in there unless she left the company.
I can totally see Korea-Japan war breaking out over this.
Apparently they are moving into the dorms next week and start filming:
The premiere has been pushed to June.
It should be fairly easy to guess who are the participants from the 48Group, since they will start missing handshake events.
I don't expect any of the top girls to be in this though .
Wondering who the National producer representative will be!
This was made for BoA, considering they need to pander to both Koreans and Japanese. I'm intrigued who will be this time around. TVXQ, 2PM?
I thought the Japanese girls were all from the AKB franchise?
Can we hope for a SNSD or Kara member... ?
At first I thought you were talking as a contestant and I was so confused dddddddd
I could see a SNSD member chosen as a National producer representative teebs. Seohyun would be great or Sooyoung? I think she has experience hosting. A KARA member, hmmm not so sure.
Certainly not Tiffany.
Park Gyuri for National Producer Representative! I can't wait to watch her tell all of the contestants how much prettier she is than them.
Separate names with a comma.


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Senior Lecturer- University of Sheffield
Kevin completed his education in Landscape Architecture at Leeds in 1983 and has since worked in both private practice and higher education. Kevins research interests and activities stem from PhD work completed in 1999 and relate primarily to the philosophy and theory of landscape design and spatial experience in urban and residential settings. Kevin is an active advocate of research led teaching and the potential this has for translating new thinking in Landscape Architecture and Urban Design for student and practitioner audiences. Research and teaching has a phenomenological emphasis, focusing on human experience and its expression in everyday urban outdoor environments. Kevin is a member of the Board of Trustees of IAPS (the International Association for People-environment Studies) and along with Terry Hartig (SLU), and Jenny Roe, co-convener of the Restorative Environments IAPS network.
Chartered Landscape Architect
Experiential Landscape research stream
Associate tutor, the University of Sheffield
Managing Director: Experiemics Ltd.
consultancy of experiential landscape research
Since graduating from Leeds Metropolitan University in 1999 Ians professional career as a practicing Chartered Landscape Architect has been complimented by research and teaching in both Further Education (2004 - 2007), and in Higher Education (since 2000). Ians PhD research developed methodology amenable to revealing spatial aspects of the place experience of primary school aged children in ways relevant to landscape design decision making. The research responded to the importance of encouraging an increase in young peoples use of the outdoor environment, and in particular to promote positive behaviour in children through contact with experientially rich outdoor settings.
Research Associate; Making Places Profitable (MP4),
Experiential Landscape research stream and
associate tutor, the University of Sheffield
Through combining experience in landscape architecture practice and participatory research, Alices PhD developed visual communication techniques to better facilitate the participation of people with learning disabilities in the design of urban greenspace. Alices work with people with learning disabilities highlights the continuing problems encountered by some of the most vulnerable members of society in finding voice as equal and valued collaborators. Through recent work, Alice has built local partnerships between academia, the disabled community, service providers and the local authority, which have resulted in change to policy, service provision and training.
During her Post Graduate year at University Beth researched extensively the potential of urban open spaces to deliver restorative benefit and psychological renewal. This work, later developed in her MA thesis, 'Restorative Public Urban Landscape', provided the ELP:RDU with the cornerstones from which to begin investigating more fully spatial and physical characteristics of centres significant for their restorative potential. Beth's work concluded by setting out a provisional model for the restorative urban landscape highlighting the importance of networks of small connected spaces woven into the fabric of the wider urban setting. This conception now features frequently in debate about the future of the urban park. Further developments of Beth's research have been prepared for publication and presentation to conference.Back to top
After graduating from Leeds Metropolitan University with the Graduate Diploma in Landscape Architecture with Distinction, Claire combined working in landscape architecture private practice with providing support to the development of Experiential Landscape Place as a research assistant. During this period Claire specialised in exploring aspects of the emergent ELP concept as both an analytical and design tool, undertaking a number of field studies examining the experiential potential of, for example: New Earswick in York; the Rabygate district of Byker, Newcastle; and The Calls area in Leeds City. This work, later formalised in her MA thesis, established a new way of conceptualising urban places as integrations of centres, directions, transitions and areas, enabling the experiential characteristics of different places to be described in terms of their profile of these spatial characteristics. The graphical representation of these, subsequently known as 'Dobson Clusters', provides a diagrammatic means with which to communicate a wide diversity of place types, either as they are observed in real sites, or as conceived in design proposals. Claire subsequently developed the 'Dobson Cluster' concept through application to a new settlement project in the North West of England.Back to top
The Experiential Landscape process ensures that the experiences people have when using the everyday environment are sought in appropriate ways and then valued and understood. It helps planning and design agencies deliver environmental changes which can benefit psychological health, are people friendly and experientially rich. In this way Experiential Landscape contributes to making places that communities have been involved in creating and that provide and sustain social cohesion.
The following core principles are central:
Through research Experiential Landscape recognises three fundamental categories of experience important to a fulfilled life.
How people:
This concept of spatial experience is represented by Experiential Landscape as:
These representations of experience allow the representation and analysis of people-place relations at specific locations by the method of Experiential mapping.
Each category is assigned symbols of representation which following participatory engagement can be located on a map to represent an individuals experience of a particular location. The maps can be aggregated to form a representation of combined people-place experiences or filtered to show individual characteristics.
This representation demonstrates the significance of experience or absence of experiences at specific locations in order to inform planning and design decisions for change. This considers people-place relationships rather than solely focussing on aesthetic or function resolution.


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Penn. state trooper claims that he maced two cats instead
December 31, 2013
A Pennsylvania State Trooper is now on unpaid leave after being charged with pepper spraying his girlfriend's 13-year-old son.
Police say that Trooper Ernest Boatright, 48, fired pepper spray at the boy without warning after he found him asleep in his bed rather than at school, as WTAE reported.
According to court records, Boatright denied that he maced the boy and said that he only pepper sprayed two cats sitting on the enclosed porch of their Menallen Township, Pa. home.
"Trooper Boatright vehemently denies the charges that have been filed against him," Boatright's attorney, Matthew Zatko, said. "He is very much looking forward to the opportunity to defend himself and clear his name."
The boy, however, told police that Boatright had used pepper spray on him before.
Boatright, who had been a state trooper since 1989, has been charged with endangering the welfare of a child and harassment and is scheduled to appear for court in January.
Overall, reports of excessive force by police keep increasing as police departments across the nation expand their arsenal of so-called "non-lethal" weaponry.
In 2011, a University of California, Davis police officer, John Pike, shot military-grade pepper spray in the faces of peaceful, seated protestors at point-blank range in what became the most infamous case of pepper spray abuse.
Pike later lost his job with the university but never faced criminal charges and was even awarded $38,055 in compensation afterwards.
Also, as we reported back in September, police often abuse Tasers by employing them multiple times on a single suspect who later dies.
Instead of using non-lethal weapons to resolve situations which would otherwise be deadly, police officers are misusing them when force is not even necessary.
The next evolution of activated nascent iodine, Survival Shield X-3, is back in stock at 50% off with double Patriot Points and free shipping!


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Most of the houses that Atlanta architect Scott West designs are contemporary, and they typically come with flat roofs. Construction often consists of 12-in. deep I-joists or open-web 2×4 trusses capped with oriented strand board (OSB) sheathing. Roofs are unvented, and the use of recessed can lights is probably unavoidable.
The most common options for insulating these roofs, West writes in a post at GreenBuildingAdvisor's Q&A forum, would include:
- Over the roof sheathing, add an additional layer of OSB installed on tapered 2x furring strips to slope the surface of the roof to drains, and then insulate with R-30 fiberglass batts between the rafters. "Not particularly smart or green in any way," he says, "and requires extensive air-sealing, but as with most things, the most-common way is most affordable."
- Place 4 in. of XPS rigid insulation on top of the deck and 4 in. of closed-cell foam on the underside of the deck for a total R-value of about 44.
- Place 4 in. of XPS rigid insulation on top of the decking, 2 in. of closed cell foam under the deck as an air barrier and then add R-30 batts for a total R-value of about 62.
- Skip the XPS above the deck and use sloped decking as in the first option, then use 2 in. of closed-cell foam and fill out the remaining 10 in. of the roof cavity with dense-packed cellulose for a total R-value of about 47.
Among West's questions are:
"Any help in assessing these options and especially in comparing real-world costs wold be greatly appreciated," West writes. That's the topic for this Q&A Spotlight.
First, lose the can lights
What jumps out at GBA senior editor Martin Holladay first is West's use of recessed lighting in the ceiling below the roof deck.
"It's too bad that you (as an architect) don't have the ability — either the persuasive power or the judgment — to insist that an insulated ceiling have zero recessed can lights," Holladay says. "If the can lights are there, it clearly makes no sense whatsoever to depend on fluffy insulation (either fiberglass or cellulose) sitting on top of the ceiling drywall. All of those options should be taken off the table."
What's left, he adds, are using spray-foam insulation on the underside of the roof sheathing or rigid foam on top of the roof sheathing. Holladay informed West that these options were discussed in a recent GBA article, Insulating Low-Slope Residential Roofs.
West is aware of the energy shortcomings of recessed lighting fixtures, but they seem to come with the territory, he tells Holladay.
"I try to limit the number of recessed cans as much as possible and use many fewer than most architects I know," he says, "but the reality is that people that want a modern home tend to also value having wall art and they want to light it appropriately and there's no other decent/affordable way to do that except with recessed can products."
Besides, he adds, most of the scenarios he proposes include spray-foam insulation on the underside of the roof sheathing, an air and thermal barrier that would not be compromised by the light fixtures.
Combine blown fiber insulation with rigid insulation
"In Atlanta even an inch or two of exterior rigid polyiso or 3 in. of rigid high-density rigid rock wool panels would be enough dew point control to allow you to blow the joists full of cellulose," Dana Dorsett replies. "Alternatively, 2 in. of closed cell foam on the underside of the roof deck would be sufficiently protective to fill the rest with blown fiberglass."
Only one of West's four options makes sense to Dana Dorsett, and that's a slightly modified No. 4.
Instead of using rigid extruded polystyrene insulation, however, Dorsett suggests polyisocyanurate, a greener choice, or 2 in. of closed-cell polyurethane foam with the rest of the roof cavity filled with cellulose. Spray foam roofing could even be used on the top of the roof deck as long as it was finished with a UV-resistant coating. That, Dorsett says, would some money in upfront costs and eventual roofing replacement costs. "Mopping on new UV-resistant goop every 15-25 years is a lot easier and cheaper than re-roofing with membranes or composite asphalt solutions," he says. (For more information on the use of spray foam as roofing, see Spraying Polyurethane Foam Over an Existing Roof and Roofing With Foam.)
Dorsett would avoid all of the other options, either because they use batt insulation or because of the global warming potential of the XPS foam.
And then there's this whole flat roof thing
To James Morgan, the central question is why use a flat roof in the first place. It may be nothing more than architectural artifice.
"In 1933 a group of European architects took a cruise around the Mediterranean and decided the whitewashed flat-roofed parapet-walled village buildings they saw there should be the model for a 'rational' style of architecture applicable anywhere, in any climate and in any culture, whatever local indigenous, traditional building wisdom may tell us to the contrary," Morgan writes. "We have suffered the consequences ever since.
"Which is my way of saying, why not put a 'real' roof on your projects?" he continues. Morgan suggests a roof with "climate-appropriate overhangs and roof pitches designed to actually and reliably protect the vulnerable structure below. Oh, and by the way, there are many better ways to light artwork than ceiling cans. As any decent contemporary art gallery can attest."
"Does holding up a few bad examples justify maligning an entire genre of architecture?" West replies. "One can find examples of bad design and lack of appropriate maintenance across all periods and styles. I'm sure I could send you dozens of photographs of the same issues with traditional homes. Once you go over one-story in height, most normally sized overhangs don't provide that much protection to the lower floors anyway. How often does the rain fall perfectly vertically?"
Our expert's opinion
We have comments from two experts, GBA technical director Peter Yost and also Brett Dillon, managing director of IBS Advisors of San Antonio, Texas.
First, Peter Yost:
I hate to draw this line in the sand, but I have just seen too many air leaks and related moisture problems with can lights in unvented roof assemblies: if you must have them, install them in a dropped soffit or ceiling so that the cans and all wiring are NOT within the roof assembly proper.
Atlanta is a real challenge: significant moisture drive during both heating and cooling seasons, and what I recall as an average of 54 inches of rain annually. Better get those unvented roof assemblies details right.
I asked Brett Dillon to weigh in on this question for three reasons: he knows his building science cold, he works in lots of different climates, and — being from the Southwest — he deals with flat roofs all the time.
Here's Brett:
Here's what I have from an architect friend in the Atlanta area, including construction cost to frame the roof:
- Built-up roof, $6-$11 per s.f.
- Single-ply membrane, $7-$11 per s.f.
- Closed-cell spray polyurethane roofing foam, 1.5 to 2 in. thick, $6-$12 per s.f.
- Standing seam metal roof, $9-$15 per s.f.
- Vegetated roof system with growing medium and root barrier, $110-$120 per s.f.
These roofing materials are approved for a 1/4:12 (2%) slope. Asphalt roll roofing isn't supposed to go on anything with less than 1:12 slope, so I didn't include it.
I'll be honest — I think low-slope roofs are a really bad idea in the Southeast where we get huge amounts of rain at once, especially Atlanta. I've worked on projects that have used the built-up roof, single-ply membrane, and the vegetated roof systems. They all had failures within four years.
The vegetated roof system had to be re-engineered during design to support the weight of saturated growing medium plus plants and furniture. That added to the cost, plus it had open-cell spray foam under the deck, tapered polyisocyanurate foam board above the deck, a single-ply membrane, a root barrier, growing medium and furniture platforms, and plants. It still leaked over time.
Nothing fixes a flat roof like making it a 2:12 slope!


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Real Estate
Where to Live Now
The 10 Hottest Neighborhoods in Seattle in 2017
Real Estate 2016
Your Guide to Renting an Apartment in Seattle
Real Estate 2016
How to Get the Apartment You Want
Real Estate 2016
Don't Sweat the Security Deposit
Real Estate 2016
Face It. Seattle Is Expensive.
Real Estate 2016
Seattle Neighborhoods by the Numbers: Where to Rent in 2016
Real Estate 2016
10 Things to Know Before Signing Your Lease
10 Years That Changed A City
2015: Real Estate Loses Its Mind
I'm New Here
Where to Live Now in Seattle
Editor's Note
The House Guest
Real Estate
The 10 Best Neighborhoods in Seattle
The Rent Really Is Too Damn High
Shifts & Shakeups
This Week in Restaurant News: Big Openings
Editor's Note
Growing Pains and Pleasures
Seattle Real Estate 2014
This Must Be the Place
Seattle Real Estate 2014
5 Expert Tips for Home Sellers
Seattle Real Estate 2014
5 Expert Tips for Home Buyers
Seattle Real Estate 2014
10 Hottest Neighborhoods in Seattle
Seattle Real Estate 2014
Neighborhoods By the Numbers
Morning Fizz


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For those little, but crucial things in life, our small-sized, Khala Cloth beeswax wrap combo pack will help keep fruits and veggies fresh, and tightly seal a bowl. When folded into a bag, they make the perfect little pouch.
Beeswax Wrap Combo Pack Specs:
- Crafted from a blend of natural waxes, coconut oil, and natural tree resin
- Pack includes 3 small (7x8 inches) beeswax-infused food wraps
- Washable, reusable, and compostable
- Self-adhering
About Khala Cloths:
Khala Cloths are an eco-friendly food storage solution that can extend freshness ~5-7 days longer than plastic storage.
And when you're done using them, just hand-wash in cool water and hang dry. Fold and store away from heat when dry.
Re-evaluate after 9 months to 1 year later, and either repurpose or cut into strips for easy composting. Learn more about how to use and care for your Khala Cloths here. #honoryourfood
About Our "Planetary Pollinators" Print:
Our original Khala Cloth print features bees circling the earth - a testament to how honeybees help make the world go round.


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New Financial Rules (MiFID II and PRIIPS) and a Mop-Up of the Financial Markets
Firstly, we wish you and your family a healthy, happy and successful 2018. We very much trust you had a lovely time over the Christmas and New Year and are ready to tackle the year ahead.
As you are aware, financial matters can be (overly) complex, so we are doing our very best to explain and de-jargon the terms (where we can) so that you, the consumer of financial products, are fully informed of the changes to regulation and the financial landscape generally.
(Please feel free to contact us in order that we may add further clarity to any points you may wish to explore. This applies to any aspect of financial services, should you require advice, help or support).
Financial Markets
The financial markets have been operating in a 'Goldilocks' environment where the economic conditions have been 'just right'. 2017 experienced a typically low volatility but slowly uncertainty is building up again in relation to asset values, given such a strong performance from risk assets over the last year or so. The sentiment was stronger than expected during 2017 driving investment markets forward, against a backdrop of concerns in relation to 'Bubbles likely to burst' and economic quantitative tightening (interest rate rises and central banking bond-buying reduction or termination).
Investment Psychology and Financial Behaviour
Positive sentiment prevailed, confusingly where the risk of withdrawal of the various central bank stimulus, interest increases and even the nuclear threat from the North Koreans have been largely disregarded by markets and investors.
Financial behaviour and the expectancy of potential investment market 'outcomes' should always be considered on an ongoing basis but, as stated in previous communication, given the unexpected performance of 'risk' asset classes in 2017, investors would be wise and prudent to re-evaluate their risk views, objectives and capacity to suffer a reduction in asset values, given current valuations. Hopefully, many investors have taken the time to reflect on their needs during the Christmas and New Year holiday period.
Setting objectives and considering one's needs at the start of the year, communicating this to us, especially if a change is likely or required will assist in keeping investment strategies on track.
{Please again note we cannot make changes to your investment risk strategy without engaging with you on the suitability of the investment structure to meet your needs, goals and time horizons). If you have a change in your views or personal circumstances, please get in touch so we can provide you with suitable advice.
Any instruction to change risk views must be provided to us in a recordable format.
Having the strength and conviction to remain invested when investment markets fall is an essential element of investing. If an investor is not prepared for investment market corrections, when they hold assets that are subjected to risk, the strategy may not be suitable to meet with the risk profile – which is why we carry out reviews on an ongoing basis and urge our clients to inform us of changes to their needs, goals, and tolerance.
The importance of liquidity
Following the global financial crisis, quantitative easing has enabled the economic environment to recover and stabilise. The production of 'liquidity' enabled a steady recovery of the macro picture, with 2017 seeing stock market fluctuations reducing – this may be part of the consequence of central banking policy since the dark times of the global financial crisis.
A bipolar financial environment
The current liquidity-driven environment does not remove risk and an expectant return to the 'ups and downs' (volatility) of the markets.
A global shock, such as geopolitical unsettlement is likely to produce investment market and economic concern, so a balance of assets to meet an investor's needs is as essential as ever.
The balance of risk should remain the focus as a bump in the journey is due, following prolonged strong investment results from equities and other asset classes.
UK Stock Markets closed 2017 at a record high – A rear view review
- Both the FTSE 100 and FTSE 250 reached new record index highs at the close of trading for the year.
- US Stock Markets hit new peaks over the year, helped in part by President Donald Trump's sweeping tax reforms.
- The FTSE 100 finished up 7.6% at 7687.77 compared with the last day of trading in 2016. Meanwhile, the FTSE 250 ended up 14.7% at 20726.26 compared with the end of 2016. (Again, I must stress that making comparisons with 'risk model' mandates and an index is not appropriate – an index is fully invested in risk assets, and would be expected to be a 9 or 10 on a scale of 1 to 10; 1 being safe 10 being 100% equity invested. The risk reviews we undertake help us to measure and quantify the overall risk an investor wishes to take).
- Brent crude fell as low as $45 per barrel in June but has recovered to around $66 per barrel.
- The US markets have performed even stronger – the tech-focused NASDAQ increased by 28%. The S&P 500 rose by around 19% and the Dow Jones Industrial Average gained about 25% over the year, closing at 24719.
- The North American markets are causing concern in relation to asset prices, given such strong performance, although many fund groups and analysts are increasing weightings to the US, due to the tax reform outcome.
- Asia – MSCIAC Pacific (ex-Japan) was up 40% in US Dollar terms.
- Emerging Markets – MSCI Emerging Market benchmark increased by 37%
- MSCI Europe indices gained 25%
UK Markets
Housebuilders were amongst the best performing sector in the FTSE 100 in 2017 – Persimmon's share price increased by 57%.
Centrica suffered a 40% reduction, with BT group WPP not far behind, as companies reduced investment in marketing and the sector faces a challenge to gather income.
Weaker Sterling has supported the main UK market, although this story becomes a little weaker, when the performance of the FTSE 250 is considered, as income from overseas is less prevalent.
The battle with the balance of asset classes continues… personally, I feel that investors who are 'anchored' to high 'risk asset' returns are 'likely' to suffer from bumps in the road in due course, which is why cash, bonds, property and equities should be held within all investment programmes. We are looking at quality, 'contract based' structured products to add to the diversification of clients' assets in relation to the advice we provide, so an underpin of protection is further considered while a return can be targeted; based upon the needs of the investor and the risk an investor is prepared to take.
New financial regulation rules MiFID II and the PRIIPs implementation
MiFID II commences on 3 January 2018. An upgrade of the European Union's – 'Markets in Financial Instruments (MiFID) Directive, which was originally introduced to establish a single market for investment services and activities.
MiFID II impacts product distribution across all European countries, whatever the products' origin is. Essentially, the regulations have been further evolved to enhance investor protection, increasing transparency across EU financial markets, increasing competition across EU financial markets and to improve transparency on costs of funds and trading.
We have been working behind the scenes to ensure we are ready for the new regulations and are pleased to confirm that all of our documentation reflects the updated regulations.
What MiFID II means in practice to you, our consumer;
- Investment reporting will be provided by the platform or DFM provider on a quarterly basis, rather than 6 months. We would urge you to register for electronic reporting if you have not already done so so that tree felling is kept to a minimum and you can receive all reporting history in an easy to understand format electronically. If you require help with online access and reporting please contact us so we can help.
- Target Market – defining the consumer group that the provider/manufacturer engages with is a focus. This protocol endeavours to ensure that complex and often very 'risky' products are not targeted at general non-complex retain consumers of financial products. Managing consumer understanding of financial products must be a goal, increasing consumer knowledge and education, so that the overall position of risk to meet an investor's goals can be improved.
As a business, we have been doing our best to provide information and education to our clients for many years, so we are way ahead of the objective in this regard. (We trust you agree; please let us know if you feel our communication could be improved).
Product and Governance oversight in relation to consumer engagement is an increased consumer protection protocol objective. We have engaged with many product manufacturers to gather clarity and due diligence in relation to their 'Target Market'. We are specifically focusing on our non-advised Structured Product and Structured Deposit solutions via our website.
The rules will effectively increase the 'box ticking' management process so that moving 'outside' of a process of investment could create an 'unsuitable investment outcome'.
Discretionary Fund Managers 10% depreciation notification
Discretionary Fund Management clients are to be notified if their portfolio drops by 10% or more within a reporting period. This does not apply to our business; we are advisory in relation to our engagement with our clients and consumers.
Investment markets over market cycles fall by more than 10%, sometimes by much more, which are often termed 'crashes'.
This is not a time to panic, the objective of the investment must be remembered, of course, reconsidered but rarely, if ever, is it best to sell following a large correction – which is a fall of 20% or a crash. If an investor is not prepared to suffer investment market volatility, simply put, they should not be invested in risk assets. This is why we keep identifying the need for ongoing reviews to meet your needs and objectives.
Recording a 'Conclusion'
Initially, the regulation required all client contact to be recorded, be it via telephone or other forms of contact. A 'conclusion', which is a decision to conclude a transaction or service, must now be recorded. We do this within our file notes or during meetings so we will continue as we currently do in this regard.
New Packaged Retail and Insurance-based Investment Products Regulation (PRIPPs) regulations were implemented on 1st January 2018.
(As a reminder, the UK is obligated to enforce EU regulations for as long as we remain a member of the EU. Following the UK leaving the EU, the FCA – the UK Financial Regulator expects this regulation to form part of the body of EU legislation that will be converted into the UK law, so no change is expected upon leaving the EU.
PRIIPs is an umbrella term which covers a number of financial products that are sold/distributed to retail consumers of financial products.
The regulations introduce a new, EU wide standardised disclosure document, the Key Information Document (KID) which will be similar to the UCITS KIID (Key Investor Information Document). It is intended that retail investors will be able to compare key features, risks, rewards and costs of in-scope products and make informed decisions, increasing further the transparency of the product to be consumed.
The regulations introduced cover:
- Content, presentation, calculation of the information in the KID
- Review, revision and republication of the KID
- Timing of delivery of the KID – The Key Information Document is to be provided to investors in good time before a consumer is bound by the contract relating to the PRIIP, thus allowing the retail investor time to read and consider the KID and make comparisons so an informed decision can be concluded.
Consumers of Structured Products and Structured Deposit Products will be required to confirm that they have read and understood the Key Information Document prior to the application to the 'Contract' being processed on a NON-ADVISED basis via our website if a consumer engages without advice. As a Distributor, Best Price FS (BPFS) is required to confirm that the consumer has received, read and understood the KID, so the risk of the 'contract' is clear to the purchaser of the plan.
The changes have not been widely communicated in the mainstream media to this point, but we feel it is good practice to inform our clients and potential consumers of the regulatory changes, so they are fully informed of developments. Heavy reading it may be for some, but regulation and consumer protection is 'the' major focus of EU wide regulators, as financial crime increases, along with increasing consumer confidence and product understanding.
The Rules of Engagement should enable consumers to understand if they are the focus of a financial crime or scam at worst or be more informed about risk and suitability of a financial product to meet one's needs, in the main.
MiFID II and the PRIIPs regulation has created a huge amount of work for the sector, which is expected to improve customer protection and outcomes, where the products can be understood in a more straightforward way by the audience targeted.
If you'd like to get in touch with us about any of the information mentioned above, you can do so here. Alternatively, if you'd like to take a look at our Structured Product Plans for 2018, just click here!


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Young Investigator Award – USD 1,000
The Young Investigator Award has been established to encourage and support young professionals under the age of 40 to attend the IHPBA World Congress 2020. The top Young Investigator presentations will be selected for a special session. The award will be given at the closing ceremony (5 February 2021). Eligible applicants must complete the appropriate section during their abstract submission. Please apply for the Young Investigator Award when you submit your abstract online.
Best Oral, e-Poster and Video Award
The IHPBA World Congress 2020 Scientific Committee will select the winners of the Best Oral Presentation Award, Best e-Poster Presentation Award and Best Video Presentation Award based on the peer review of the content of the abstracts submitted via the congress website. The awards will be given at the closing ceremony (5 February 2021).
Best Oral Presentation – USD 1,000
Best e-Poster Presentation – USD 500
Best Video Presentation – USD 500
For further information, please email [email protected]


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The wedding cake is a major part of everyone's big day, but so many people get it wrong. I've been to so many weddings and I think I've only said WOW to a handful of cakes. First and foremost with any delicious creation, the creation has to be just that…delicious and beautiful, there is no point having something yummy that looks like its been sat on by an elephant or something beautiful that tastes like cardboard. Here are a few dont's that every bride and groom should stick by to ensure they get the perfect representation of them and their big day in cake form.
1) Don't get a complicated design – forget add on stripes, starts, flowers and sprinkles…simple is always better, easy on the eye and way more elegant.
2) When deigning your cake and finalising colour schemes, don't forget colour swatches.
3) Don't choose an inedible bright colour, it looks artificial and everyone's tongues and lips will be left looking crazy, including yours!
4) Don't overlook the table, cake stand and location – it is extremely important to present the cake properly, it will look more grand and become a major focus of the day.
5) Don't pick up the cake yourself – this is a major don't…it is the bakers position to ensure the cake is displayed and delivered in perfect condition, this is a difficult procedure especially when it comes to tiered cakes as this means that the cake has to be properly assembled at the location.
6) Don't try to please everyone! Remember it is your wedding day, choose your favourite flavour – Many bakers(including myself) give customers who order tiered cakes the opportunity to get different flavoured tiers which means you can please yourselves and everyone else.
7) Don't forget to eat your cake – often with larger wedding it is hard to stay organised and keep to the time schedule…but whatever happens the cutting of the cake is a huge part of the whole ceremony so make sure you enjoy it.
cakes by Peggy Porschen
Keep it delicious!


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Nutri-Burn Vanilla, 1018 G
Stock No. 3214
- Retail:
- $79.00
- Product Guide
- Product Label
Product Guide
- Excellent source of protein
- Cholesterol-free
- Low in fat and free of saturated fat
- Contains no trans fat
- Low in sodium
- Suitable for sodium-restricted diets
How It Works:
Nutri-Burn, a high-protein, low-carb drink mix, is made using the latest generation of high quality whey protein, manufactured from sweet dairy whey using a cold ultra-filtration membrane technology to produce an undenatured protein concentrate. Whey protein provides all nine essential amino acids and is the most beneficial type of protein for the building of lean body mass. Scientific studies have also shown that the fibre content in whey protein is beneficial to the gut.
Protein blend (whey protein concentrate, whey protein isolate, calcium caseinate), natural French Vanilla powder, sunflower oil creamer (sunflower seed oil, corn syrup solids, sodium caseinate, mono and diglycerides, dipotassium phosphate, tricalcium phosphate, soy lecithin and natural tocopherol), fructose, maltodextrin, xanthan gum, CLA (conjugated linoleic acid) powder (safflower seed oil, casein), cloves flowers. Sucralose free.
Recommended Use:
Mix two scoops (41 g) in 240 mL (8 oz) of cold water (scoop included). Shake vigorously until dissolved. $0


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Google Maps eventually has become one of the most loved services of Google Corporation. To find route maps or directions to anywhere you want to go, you prefer Google Maps as it gives the best shortest possible distance to reach the destination. It doesn't matter whether you are using Google Maps on a desktop or your handset application, it is an easy-breezy service to use. Talking about handsets, Google Maps is an essential app in the phones as you can find your desired destination from anywhere in just a few seconds. All you need to require is an Internet connection.
Since the application is easy to access, it becomes a lot easier while using it in the iPhone. You must be thinking that why is it easy to use the app in iPhones? Well, the iPhone has a workaround to use the Google Maps instantly without even unlocking your phone making it more convenient to find a location. Isn't it amazing to use an app instantly? Suppose you are driving in a car and need directions. In this situation, unlocking the phone and further launching the app to enter the destination point will be too risky. In that scenario, iPhones have a widget screen to see apps without unlocking the device. This lock screen widget works as a shortcut to the applications on your iPhone. If you do not know how to use the widget lock screen, follow the steps below.
How to use Google Maps without unlocking your iPhone
- First, add the Google Maps in the widget screen
- Swipe left from the lock screen
- The list of the installed widget will appear on the screen
- Scroll down the screen and tap Edit button to add a widget
- Now, scroll down the list and find Google Directions
- To add it in your widget list, tap add button (+) followed by Google Directions
- Now, tap Done from top of the screen
- If you wish to remove the app from widget screen list, tap the red minus (-) button
Now, you have added the Google Maps application shortcut in your widget screen list, you can use it anytime without unlocking your iPhone. To use the application shortcut, swipe left from the lock screen to open the widget screen and find the application. Tap the app to open and see your directions to reach the destination. You do not have to unlock your screen and open the application to search for directions anymore. The widget lock screen will help you to save your time and effort by opening the app instantly.
James Thomas is a self-professed security expert; he has been making the people aware of the security threats. His passion is to write about Cybersecurity, cryptography, malware, social engineering, internet and new media. He writes for Norton security products at www.norton.com/setup


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DEBENHAMS in Bournemouth is continuing to trade today after the department store chain was placed into administration.
Shops are staying open as normal and administrators say they will "protect as many stores and jobs as possible", but a wider restructuring is expected to lead to 50 around closures.
Lenders took control of the company after it administrators were appointed, wiping out the stake held by Sports Direct tycoon Mike Ashley and those of all other shareholders.
Terry Duddy, chairman of administrator FTI Consulting, said: "It is disappointing to reach a conclusion that will result in no value for our equity holders.
"However, this transaction will allow Debenhams to continue trading as normal; access the funding we need; and proceed with executing our turnaround plans, whilst deleveraging the group's balance sheet.
"We remain focused on protecting as many stores and jobs as possible, consistent with establishing a sustainable store portfolio in line with our previous guidance."
Debenhams' Bournemouth store is one of the town's biggest shops. It opened as Bobby & Co in 1915.
Tony Brown, chief executive of rival Beales, said: "They will probably come to an arrangement with landlords on which stores they want, but it allows them the flexibility to ditch stores.
"I think there's a question mark over the Bournemouth Debenhams anyway, as there is with House of Fraser. I don't think we'll benefit from it because anything that dilutes choice in the town centre is bad. I won't be rubbing my hands with glee if they leave Bournemouth.
"I think they've got a fair bit of restructuring to do as far as their landlords are concerned but it's no secret it's a difficult time in the high street."
Jeff Bray, senior lecturer in retail marketing at Bournemouth University, said Debenhams had suffered a lack of investment for around 15 years.
"The store estate has fallen behind. They're not offering the kind of experiences that are necessary to drag people off the internet and into physical stores," he said.
"They've got a dated store estate that has been under-invested in and the chances of them finding the cash to invest in modernising and being able to provide those experiences are pretty slim. I don't think there's a particularly strong future for Debenhams, other than potentially as a much smaller physical store combined with online trading."
He is sceptical that Bournemouth can sustain three large department stores – Debenhams, House of Fraser and Beales. The town lost its Marks & Spencer last year.
He added: "I maintain my view that three department stores in Bournemouth is challenging. I still think that House of Fraser is in a very challenging position."


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Good information to try.
How many folks do you know who say they don't want to drink anything before
going to bed because they'll have to get up during the night!!
Heart Attack and Water - I never knew all of this ! Interesting.......
Something else I didn't know ... I asked my Doctor why do people need to
urinate so much at night time. Answer from my Cardiac Doctor - Gravity
holds water in the lower part of your body when you are upright (legs
swell). When you lie down and the lower body (legs and etc) seeks level
with the kidneys, it is then that the kidneys remove the water because it
is easier. This then ties in with the last statement!
I knew you need your minimum water to help flush the toxins out of your
body, but this was news to me. Correct time to drink water... Very
Important. From A Cardiac Specialist!
Drinking water at a certain time maximizes its effectiveness on the body: 2
glasses of water after waking up - helps activate internal organs 1 glass
of water 30 minutes before a meal - helps digestion 1 glass of water before
taking a bath - helps lower blood pressure 1 glass of water before going to
bed - avoids stroke or heart attack
I can also add to this... My Physician told me that water at bed time will
also help prevent night time leg cramps. Your leg muscles are seeking
hydration when they cramp and wake you up with a Charlie Horse.
A Cardiologist has stated that if each person after receiving this e-mail,
sends it to 10 people, probably one life could be saved!
I have already shared this information. What about you?
Do forward this message. It may save lives!
"Life is a onetime gift"
Best Regards,
*Dr. Samanthi de Silva
*General Manager / Head of Medical Services,
Hemas Hospital,
389, Negombo Road,
Office 0117 888 888
Mobile 0772 538 461
Fax 0117 888 765
Web http://www.hemashospitals.com/


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GTA 5 Download is finally available thanks to guys from Skidrow Team. You can play it before your friends ! Just follow instructions below and be one of the first players.Grand Theft Auto V is the latest game that I expected it so soon circulating on the net, but I was surprised that anyone could have. That means each of us remain at home this summer and will play. I show you how to download the full version of GTA 5 on PC! I'm not talking about the demo, but the full and free version of GTA 5. The release date has been made by Rockstar, for after the summer holidays, although they already had the full version of GTA V, but probably because they wanted to make a big splash out, when everyone will return holiday. Regardless of the circumstances, I am very excited to be sharing this with you guys! Everyone can download GTA 5 by clicking on the link below the blog post. If you are too busy to download GTA 5 and play the free version, you can skip the step of reading and go to the link to download the game Or, if you want to read my little comment on the game, so be the welcome to read my impressions of the game GTAFree Download GTA 5download and play GTA 5 version gratuiteAprès have hacked the free version of GTA, it is our right to express our own printing. I still play the mission 5 with Michael, but I can say enough about the full version. Each effect, each mechanical action that you live on GTA5 and much more developed than the previous version GTA IV. The scenery is phenomenal, including beaches, mountains forests and military bases. The sea can now be explored, which was not the case in the previous series.New aspects of the downloadable version of GTA 5 include:
The player is free to switch between three characters and freely explore the world
Many cars and vehicles to driv


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Bruce Fletcher
Chief Risk Officer
Date of Appointment: 8 October 2018
Bruce Fletcher is Group Chief Risk Officer at RBS, a role he has held since October 2018. He is a member of the Group Executive Committee, and attends and chairs a number of the Group's governance fora. Bruce is responsible for leading the Risk function for the RBS Group, defining and overseeing the risk, conduct, compliance and financial crime strategies for the Group, and encompassing policy, governance, frameworks, analysis and insights.
Over a 35 year career Bruce has worked for global full service banks in the UK and USA, including HSBC, Citibank, and Irving Trust. Before joining RBS he was a Group General Manager at HSBC, where he served as the Chief Risk Officer for the Global Retail Banking and Wealth Management Business; he previously served as their Chief Risk Officer for Europe and the UK. Before joining HSBC in 2005, he spent 17 years at Citibank, where he served as a Senior Credit Officer and Managing Director in the Group Risk Office in New York, overseeing a global suite of loan portfolios.
Useful downloads and information
Annual Report and Accounts 2019
Modern Slavery Act (PDF 346KB)
FX Disclosure Notice, May 20, 2015 (PDF, size 15KB)
UK Money Market and Global FX Code
Managing Political Activities (PDF 303KB)


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SRA News
Other Risk News
Posted 28 March 2013
Teleseminar: Inhalation Gas Dosimetry and Risk Assessment
Join the SRA Dose Response Specialty Group on Tuesday, April 2, from 12-1 pm Eastern time for a talk by US EPA toxicologist John Stanek.
Posted 25 March 2013
SRA Officer, Councilor Nominations Due May 1
Nominations are now being accepted for President-Elect, Treasurer-Elect and three open Council seats for terms starting December 2013.
Posted 25 March 2013
Fukushima: Two Years Later
SRA-Japan has released a 69-page report on responses to the March 2011 earthquake, tsunami and nuclear reactor meldown.
Posted 23 March 2013
Call for Papers on Urban Resilience
The journal S.A.P.I.EN.S is accepting articles (due May 30, 2013) for its special issue on urban resilience.
Posted 22 March 2013
Western China Credit Risk Analysis and Management Forum
This forum, organized by SRA-China, was held on January 5, 2013.


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New Breitling ocean world time pilots chronograph watch with satin brushed stainless steel case and fine steel woven bracelet, increasingly highlight the simple low-key, very readable and functional appearance design. Watch Mondaine, Hans was originally designed by the Swiss railway engineer Hilfiker Mondaine, is the official Swiss railway clock. roma orologi Switzerland's top independent watchmaking brand Breitling (Breitling) launched a new Breitling revenge series watch (Avenger) shock, four models with different functions, distinctive "professionals wrist instrument to competent for all kinds of challenges.
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Public sector pensions are still far more attractive than private pensions, say pension experts.
However, the level of benefits varies greatly depending on the area of work with teachers, one of the main groups opposed to planned pension reforms, having to contribute significantly more than civil service workers.
Public sector workers are set for a mass walkout today in protest against government plans to cut their pensions, amid other pay reforms but Tom McPhail, head of pensions at Hargreaves Lansdown, says that public sector pensions continue to be more attractive than their private counterparts.
"When measured both by comparison with typical private sector pensions and objectively in terms of the retirement security they confer to their members, public sector schemes are and still will be a very good deal for their members."
Private vs public
Figures from the Office for National Statistics and the Hutton review also show that current contribution rates vary significantly - not only between private and public sector but also within public services. Civil service employees only make 1.5% contributions towards their pension, which is then topped up with employer contributions of 18.9%. In comparison, teachers contribute 6.4% themselves while the employer contributes 14.1%.
However, McPhail says that rather than focusing solely on the public versus private, or even public versus public debate, the bigger issue is ensuring savers contribute enough into their pensions for a long enough time period:
"Public sector workers are understandably upset at the prospect of paying more and having to work for longer but everyone of working age, in the public and the private sector needs to get used to the idea of saving more, spending less and retiring later."
His comments follow on from Prime Minister David Cameron's claim that the reforms are "a simple fact of maths". Addressing the Local Government Group at its annual conference in Birmingham yesterday, he said: "Rational people will look at these proposals and see that this is good for the future of public sector pensions."
Cameron's words is likely to anger unions that maintain their members aren't making unreasonable requests.
Dr Mary Bousted, general secretary of the Association of Teachers and Lecturers (ATL), says Cameron's government is "morally responsible" for the strikes. She adds:
"Why is he [Cameron] asking teachers who already have a two-year pay freeze to suffer a 3.5% pay cut in the form of pension contributions on top of all the other hits being taken by all of us? The PM should not forget that public sector staff are also taxpayers."


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All classes and courses have been cancelled or postponed until further notice, as well as any other services including studio hire, wedding dance and parties. Please keep an eye on our Social media accounts for updates and online classes and tutorials!
This Class focuses strictly on Ballroom technique, helping you become the best dancer you can be. We will be concentrating on every muscle movement from head to toe that improves your movements while dancing as well as between you and any dance partner, understanding each others signals and timing. This is perfect for students aiming to be their best; wanting a better understanding of partner work; looking at going pro; or joining the teaching crew.
Additional Info Dates: Fridays Age Group: Open to all ages Level: Beginner - Gold What to bring: Anything comfortable (eg. sneakers; socks leggings; jeans; etc) Do I need to book? No, drop in class
Tutor Bio Chanel is best known for her strong dance technique; passionate work; and her "Joanna Leunis like style". Chanel has been teaching Latin and Ballroom since she was 17 years old, when she then went pro at 19, winning her first-time award winning professional title for South Africa's Gaugteng provential championships in International Ballroom and American Latin. Choreography is one of her biggest passions. Chanel has choreographed countless dances for competitions to various music genres; wedding dances and a number of flash mobs. Chanel believes dancing should be a place where you can go to forget about your day, your stresses and have fun! Her aim is not only to be the best teacher for her students but to help her students reach their goals to become the dancer they dream of being, whether it's professionally or just for fun. Chanel loves teaching social dancing, and having fun with her students on the floor. However, Chanel's strongest suit is technique and sharing her wide knowledge on these 13 dances, so buckle up your dance shoes and get ready to be Strictly's next best dancer!


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It's the easily overlooked details like how to make your product run that could be the difference between your romantic night of sexual adventure with your new sex toys being a spectacular memorable event or an awkward fizer! So Batteries are a must have for some sex toys in our range but don't forget we also have USB powered sex toy options now too!
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Waterproof Road Boots
Peter Stevens Motorcycles Online is the premier and largest retailer of motorcycle waterproof boots and other riding gears in Australia. We offer the best range of motorbike waterproof boots online to help you get multiple levels of protection especially against changing weather conditions.
Our top-quality motorcycle waterproof boots not only keep water from the outside away but also wicks moisture inside to keep your feet cool and dry at the same time. We stock on trusted brands such as Alpinestars, Dainese, Triumph and RST at the best prices.
And just in case you bought the wrong size of motorbike waterproof boots, our easy size exchange terms allow you to send the item right back for replacement with the correct fitting size.* For full details, please see our Orders and Returns section.
Be ready to ride under any weather. Buy your motorcycle waterproof boots at Peter Stevens Motorcycles Online today.
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- Cover: "Science in the US is built on immigrants. Will they keep coming?" (by Andrea Widener)
- Chemours' fluoroether processing is drawing a lot of attention (by Cheryl Hogue)
- "CRISPR base editors cause unexpected mutations" (by Ryan Cross)
- GE sold their bioprocessing to Danaher (by Marc Reisch)
- Alternative periodic tables?
- man, that first letter
Wednesday, March 6, 2019
This week's C&EN
A few of the articles from this week's issue of Chemical and Engineering News:
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Fabio Silva Vallejo
Orcid ID: https://orcid.org/0000-0003-4357-1789
Universidad del Magdalena, Colombia
Angélica Hoyos Guzmán
Orcid ID: https://orcid.org/0000-0002-7900-1465
Universidad del Magdalena, Colombia
This paper aims to interpret post-conflict discourse and policies drawing upon the criticism of memory in Colombia. Based upon our reading, this discourse imposes a dynamics of systematic oblivion, and leaves us unable to overcome wars, but it also gives place to forms of resistance to conflicts, and ways to preserve identities in spite of how marginalized communities affected by the armed conflict may be. With all of this, identity is left confined to war as a neoliberal imperialist policy within an evil circle of violence, which defines peace as a show, memory as capital, and multiplies the senses of survival. We end by concluding there is a need to show empathy towards the various memories, based upon new sensitivities to intervene in the policy of testimonial files, rethinking what is taught and spread as Historic Memory, and its impact in the country.
Keywords: armed conflict, memory of violence, identity, criticism of memory.


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Here in the Northern Hemisphere, we are rapidly approaching the most very special day of the year, that of the Winter Solstice. This is the time of the shortest day, and is the most celebrated occasion for the native people of North America. It is also the organic start to the New Year. The days will start getting longer, and so it is time for you to plant your seeds of intention so that they will grow into great plants that bear fruit for you!
As always, I recommend doing some sort of ceremony to mark the occasion. Each year, I have a pot luck and shamanic fire ceremony at my house the night before the actual solstice. What a wonderful way for people to get together, make their intents for the coming year, and share in the amplified energy that is produced by uniting in this way. You can get together with like minded friends, or do something all on your own. Either way, this is the most powerful day or evening to create your coming year of 2018!
Our launching group met this past Sunday, and since the Solstice window encompasses several days on either side of the actual date, we were doing our journeying within that time frame. Before we launched, we had a very fruitful discussion regarding Tom Kenyon's latest Hathor message. If you haven't read it yet, there is a link to it in a previous post. Several of us, myself included, journeyed to the zone of "Spatial Cognizance" that he wrote about. That space felt very familiar, as we have often gone there during other launchings. His channeled message is so deep and multilayered, that I will continue to reread it and work with the recommended consciousness technique.
And so, Happy Winter Solstice to all of you! May your New Year be blessed with the fruitfulness of your highest intent!


text: Watch: Miss Jamaica Universe talks about her rise from tomboy to queen Laura Dowrich-Phillips Created : 19 October 2018 Lifestyle Emily Maddison, Miss Universe Jamaica. Emily Maddison is having the time of her life. The 19-year-old beauty is enjoying her run as the Miss Universe candidate for Jamaica considering that a year ago she was contented to be a tomboy and had never modelled a day in her life. Loop caught up with Maddison while she was in Trinidad and Tobago for Style Week. She was accompanied by Jamaican Miss Universe franchise holder Mark McDermott of Uzuri Designs and graced the runway in one of their gowns. The former Campion student said she is taking a gap year to enjoy her stint as Miss Universe and plans to take up her scholarship to the University of the District of Columbia in Washington DC to probably study psychology which she loves. She is also hoping to line up some modelling jobs as she has fallen in love with it. We spoke to Maddison about her decision to enter the competition, her reign and her involvement in the He For She Campaign. Get the latest local and international news straight to your mobile phone for free: Download the Loop News Caribbean app on Google Play Store: http://bit.ly/GetALoop Download the Loop News Caribbean app on the App Store: http://bit.ly/GetiLoop Get the latest local and international news straight to your mobile phone for free:


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Electrical Switchboard Upgrade & Repair Perth
How much does a switchboard upgrade cost in Perth and why is it so important?
If you have an older home in Perth, you are more likely to need a Switchboard Upgrade to ensure that your switchboard and wiring is sufficient to support the electrical needs of multiple household appliances when in use at the same time. For example, running a dishwasher, washing machine, oven and air-conditioner at the same time requires a high load of electricity.
Often switchboards installed in Perth homes built more than 20 years ago may not be able to cope with these high electrical loads and thus you can be at risk of a connector in the fuse or the wiring burning out and causing a dangerous electrical fire. Older switchboards also may not have the required 2 RCD's which is another very important reason why you may need to upgrade your switchboard.
Acura Electrical can improve your electricity supply and help keep your home and family safe by upgrading your electrical switchboard for a very reasonable fixed fee price. For example, a standard sized Perth home usually will require 11 to 15 poles and a new main switch to be installed and Acura Electrical charges a fixed fee of $1300 (incl GST) for this size of switchboard upgrade. See our Switchboard Upgrade pricing table below to see how much your switchboard upgrade would be.
At Acura Electrical, we pride ourselves of being transparent and up-front with our pricing to give you greater peace of mind when contracting an electrician to do a job. Review our range of prices for different sizes of switchboard upgrades below and book your job online or contact us for more information on 0448 843 351.
To upgrade a switchboard you need an expert electrician with extensive knowledge and experience like Acura Electrical. We customise the distribution board to your meet the needs of your power supply, carry out a full instrumental wiring test and issue an Electrical Safety Certificate after installation to give you complete peace of mind that the job has been done properly.
Acura Electrical can provide Switchboard Upgrade services to the majority of Perth suburbs. Please check our service areas at the bottom of the page to see if we service your area.
What are the Dangers of AN outdated switchboard?
1. no rcd safety switches to prevent fatal electrocutions
- To protect against fatal electrocutions, legislation in Western Australia requires that at least 2 RCD Safety Switches should be fitted to a household switchboard to protect all power and light circuits.
- RCDs are designed to cut the power source instantly to protect you from an electrical shock - that could be potentially fatal. Installing RCDS can prevent 90% of fatal electrocutions.
2. Fuses and plug-in circuit breakers are responsible for most of the electrical fires
- Fuses are illegal to use.
- Loose plug-in connections under load is arcing, melting the connected cable and finally ignites a fire.
- Not a proper size Fuse-wire or Plug-in Circuit Breaker in fuse base overloads and burns the cable.
- Hanging out fuse-wire will shock you while trying to replace or check it.
3. Exposure to asbestos board (carcinogenic)
- Many older switchboards contain asbestos in their mounting and pose a health risk if incorrectly removed.
- The correct removal of the asbestos when upgrading a switchboard is very important and must be carried out by a licensed and trained electrician.
- Asbestos is a dangerous and illegal material that should NOT be drilled or cut. Dust from drilling an asbestos switchboard can release fibres into the air that can get into your lungs when inhaled and can never be removed.
|Up to 5 circuits (pole) + Main Switch
|$900 (incl. GST)
|6 to 10 circuits (pole) + Main Switch
|$1,100 (incl. GST)
|11 to 15 circuits (pole) + Main Switch
|$1,300 (incl. GST)
|16 or more circuits (pole) + Main Switch
|Request a Quote
These prices are supply, install and test. There are no additional call-out costs and an Electrical Safety Certificate is provided.
Please note 1 circuit (pole) means 1 circuit breaker or 1 RCD. A 3-phase circuit breaker for a 3-phase bore pump for instance are 3 poles.
Need help with Pricing? Upload a photo of your Switchboard with your online booking
If you are not sure which price is applicable for you, simply upload a photo of your switchboard with your online booking. We will always confirm the price and appointment for your approval before we confirm the job booking.
surge protection PRICING
Please note that extra 1 or 3 pole space required in the switchboard to install a Surge Protector.
|Single Phase supply
|$120 (incl. GST)
|Multiple (3) Phase supply
|$350 (incl. GST)
These are add-on prices to switchboard upgrade and not applicable for an individual Surge Protection installation. Please request a quote if you want only Surge Protection without Switchboard Upgrade.
BOOK YOUR electrical switchboard upgrade ONLINE
You can book your Switchboard Upgrade with confidence with Acura Electrical as we pride ourselves on providing our customers with upfront all inclusive pricing and not charging call out fees.
Simply specify your preferred dates and times for the job.
We respond by text message or email and confirm the price and appointment for your approval before we book the requested job.
We accept these major cards (no surcharge)
what is included in switchboard upgrade
- New black board (non asbestos)
- New 18 pole enclosure (maximum size that easily fit in standard size switchboard but there is solution if more space required)
- Each circuit is clearly labelled
- New main switch
- New RCD Safety Switches (RCBOs) for each power, light, pool and SPA circuits.
- New Circuit Breakers for each circuits, which do not require RCD protection.
- Fire retardant sealant in cable penetrations.
- Instrumental Cable Insulation Resistance test (highlights worn cabling that is a fire hazard)
- Instrumental Fault Loop Indepedence test (highlights any fault in the earthing system)
- Instrumental RCD tests (for proper operation)
- Numbers of different instrumental tests that are mandatory by regulations.
- An Electrical Safety Certificate is issued.
- Notifying Western Power of installation, which can be subject to an Inspection by Western Power (for your protection)
What is not included in switchboard upgrade
- Surge Protection (available for additional cost, see below)
- Fault finding highlighted by the installed RCDs and instrumental tests.
- Rectifying any fault highlighted by the installed RCDs and Instrumental tests.
BOOK YOUR electrical switchboard upgrade ONLINE
You can book your Switchboard Upgrade with confidence with Acura Electrical as we pride ourselves on providing our customers with upfront all inclusive pricing and not charging call out fees.
Why not book your job online now and you can specify your preferred dates and times for the job.
We respond by text message or email and confirm the price and appointment for your approval before we book the requested job.
We accept these major cards (no surcharge)


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Brad Pitt reportedly won't be reuniting with his children for Thanksgiving. According to a report by Us Weekly, the Allied actor's former wife Angelina Jolie has not invited him over for the festive dinner.
"Angelina did not invite Brad to spend Thanksgiving with their kids," a source told the celebrity news website.
Previously, OK magazine claimed that the couple's 10-year-old daughter Shiloh had begged her parents to come together for Thanksgiving.
"Shiloh has been begging Brad [Pit] and Angelina [Jolie] for weeks to start being nice to each other," a source told the magazine. "Then [Shiloh] sent them both an emotional email asking for the family to spend Thanksgiving together. She let them know that it was what the kids were hoping for," the source added.
The report further had claimed that the 41-year-old actress gave into her daughter's request and had invited her estranged husband over to celebrate the holiday.
"He thanked her for the invitation and she said 'I think it'll be good for us,'" the source said.
The former couple last year enjoyed Thanksgiving as a family with the 52-year-old actor playing the role of the cook.
"We've got Thanksgiving, man — I'm all over that turkey," Pitt told Extra, adding he was the one who cooks during the holidays.
Jolie filed for divorce from Pitt on 19 September, citing irreconcilable differences. The duo got married after meeting on the sets of their movie Mr and Mrs Smith in 2005.


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- Size: Ø7 X H20.5
- Color: BLUE
- Material: STAINLESS STEEL/POLYPROPYLENE
- Item no: 507381
SOWDEN BOTTLE / Designer
George Sowden studied architecture at Gloucestershire College of Art. In the 1970s, Sowden moved to Milan to work with names such as Ettore Sottsass and Olivetti, and in the 1980s he became one of the founders of the design collective, Memphis Group. He has won numerous design prizes including the prestigious Compasso d'Oro Award. Today he continues to live and work in Milan. For HAY, Sowden has designed the Coffee and Tea Pot, the Bottle, Tin by Sowden and Salt & Pepper.


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Visit PeoriaHome Menu
Top Bars & Pubs in Peoria
If you're looking for a great atmosphere and drink specials, check out this list of the best local bars and pubs in Peoria, Arizona. Featuring everything from sports bars to full-service restaurants and even local watering holes. There's sure to be a place to grab a drink and meet with friends after work or to catch the game at one of these great bars and restaurants!
Firebirds Wood Fired Grill
- Category:American, Seafood, BBQ and Steakhouse, Bars and Pubs
- Address:16067 N. Arrowhead Fountains Ctr. Dr
Peoria, AZ 85382
- Phone:(623) 773-0500 Website:https://phoenix-peoria.firebirdsrestaurants.com/
Serving authentic wood-fired steaks, seafood, specialty cocktails and select wines.Return to full list >>


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Register Your Challenge!
Our fundraising page.
Originally registered in 1974 to rescue horses, ponies & donkeys which were being abused, in April 2004 the Trust adapted this aim to Rescue, Rehabilitate and Re-home wherever possible, with some ponies remaining as residents at the sanctuary if they have been so badly treated it's difficult for them to be re-homed. All animals have a safe, fulfilling and useful life, away from the often harsh and brutal treatment of their former years.
As well as rescuing horses, Hope Pastures provides an environment where young people can learn directly about caring for horses and we dedicate time to educating them about animal welfare and social responsibility. We hope that, in doing this, we will nurture a generation which values the natural world around us and seeks to protect the environment and the animals with which we share this planet. Our city-base enables us to give people who wouldn't normally be able to meet horses and ponies the chance to do so and we run therapeutic visits for a range of groups.We receive no grant or state aid and rely solely on your donations and support to continue our work.
Homepage of Hope Pastures.
This challenge took place on Friday, 18 May, 2018.
Record your time
The Yorkshire Peaks Challenge involves climbing Pen-y-ghent, Ingleborough and Whernside, often within 12 hours.


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Breaking News Leica Announced today that is updating the TL Camera Line. It is going to come with More storage and even faster Autofocus. Best Feature yet is that it is going to be available in Leica's Titanium finish, one of the most popular finishes in their line up. Don't worry you can still get it in silver or black if you want.
The Leica TL Camera – Whats New?
The Leica TL was brought into this world almost 2.5yrs ago in early 2014. The main purpose of the tL was to bridge a large gap in the camera line up. They needed something that could fill the gap between the compact camera line and the higher end M-series cameras. Introducing the TL camera line. Today the TL is major updates in performance and the way it looks.
The Leica TL Camera Performance Upgrades
The sensor remains the same with the APS-C CMOS crop sensor, but they have stated that the Camera's autofocus performance has been dramatically improved, mostly noted in continuous AF-C. They also equipped the Leica TL Camera with 32GB of internal storage to allow you to shoot without an SD card.
On the back of the camera Leica placed a 3.7in touchscreen display. This is where you will find all of the menu options and the digital viewfinder. The TL doesn't have a built-in eye-level viewfinder, just the digital viewfinder. Another Bonus that was added to the TL is an integrated Wifi module that works seamlessly with their revamped Leica mobile app. The new Leica mobile app offers up wireless photo and video transfer and can act as a trigger for a wireless remote to take pictures with the TL camera.
Leica TL Camera Lens Options
The TL lenses are still limited to six lenses, however Leica SL lenses can now be fitted when an appropriate adapter is used. The M and R lens adapters work well too.
The Leica TL Digital Camera Price
The newly updated Leica TL will be offered for sale at $1695 and come in three main colors, silver, Black, and our favorite Titanium. The titanium model offers chamfered edges for an additional flare. The most affordable lens for the TL is still the Vario-Elmar-TL 18-56mm f/3.5-5.6 ASPH kit lens, which comes in at $1650. Bringing total price up close to $3300.
Is it Worth the Upgrade?
So is the New Leica TL worth the upgrade? That is yet to be determined. We will have to save that opinion for a full review when the camera is released to the public.


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Mobile data service in Asia – Verizon and 4G phones are a bad match
4G mobile phones are still being labeled as 'next generation' but I am already looking forward to the following generation since my Motorola Droid Razr with Verizon service is not only bad – it's mostly non-existent. Verizon is one of … Continue reading
Posted in Best business practices, Business in China, China, Communication, Customer Experiences, Innovation, Living in the World Today, Mobile Communication, Technology Tagged 4G mobile networks in Asia, Droid, Google maps in Asia, Google maps in Tokyo, HTC, iPhone in Asia, mobile communication in Asia, Mobile phones in China, Motorizon, Motorola, Motorola RAZR Droid, using mobile phones in Asia, Verizon, Wi-fi in Asia, Wi-fi in Hong Kong, Wi-fi in Tokyo 4 Comments


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Cookeville – Breast Cancer Recovery Program Hosted By The Putnam County Family YMCA is available to anyone undergoing treatment or anyone who has ever been diagnosed with breast cancer. This is a free outreach program that provides comprehensive nutrition, exercise, and wellness services designed to help maximize quality of life and minimize the side effects that cancer treatments can have on one's body. Please contact Jenny Thacker (931) 528-1133 for more information.