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Colourpop's Yes Please palette won Nylon's 2017 Beauty Award for best eyeshadow palette and the love of countless fans, including me, for good reason. It comes as no surprise that I fell for this palette as I've professed my love for Colourpop before on this blog. This one of the many things I generously gifted myself for Christmas. What can I say? No one knows me better.
The creaminess, blendability, and pigmentation is insane for the price. For $16 you get 12 gorgeous high quality extremely wearable eyeshadows. You really can't lose.
All the shades are warm and in the red, brown, orange family and though there are a lot of palettes out with this shade range I still think this one is unique for it's quality and the individual shades, which are outstanding.
The shades are described as being inspired by the golden hour of the day and they definitely do it justice. Both the matte and metallic shades are gorgeous. You almost can't help but dip into it. You can do both natural and glam looks and go from day to night easily. I did a sunset smoky eye and can't wait to do more with it.
To start off I primed my eyes as usual with concealer. I used Wet n Wild's Photo Focus concealer. I then dusted the first color in the palette, the matte warm ivory color, Full Zip, on the lids to set them. I also used it to highlight my brow bone and it worked perfect for that.
The first color I used as transition was Champs, a matte pale peachy nude. This shade reminds me of Magical in the Dream St. Palette. That shade is more orangey yellow though while this one's pinkier. I love both as I love using peachy shades in the crease. I then intensified the entire crease and outer v with the matte caramel color, Note to Self. I am a sucker for colors like these. They're so wearable and useful.
I used Mischief, the matte yellow, in the inner half of the eye and packed it on with a flat brush then went in again with my finger for more intensity. I used Gno, the matte burnt orange and French Kiss, to further smoke out and define the outer v. I also used those shades on the lower lash line.
I also used the matte brick red shade, Spoiled, to transition out of the yellow shade into the browns. The only color I used that isn't in this palette is Colourpop's Super Shock shadow, Telepathy, a collab with Kathleen Lights, on the inner corner and inner bottom lash line. It is a gorgeous super metallic chartreuse golden shade.
The super shock shadow formula is like nothing else I've ever tried. It's like a cushion and I'm so in love with this shade. As an added bonus, if you're clumsy like me and prone to dropping shadows, these don't break due to the putty like formula. For lashes I used They're Real by Benefit.
For lips I'm wearing Aquarius Lippie Stix and Moonchild Ultra Glossy Lip also by Kathleen. Love both and I've been wearing them on repeat.
I love that both of these formulas are moisturizing and don't create flakes on your lips unlike a lot of other brands do. I've tried tons of lippies and I love the look of matte lips but I can only wear it if I load on lip balm beforehand. I have extremely dry lips so I think it's awesome that the lippie stix creme formula has moisturizing ingredients like she's butter and vitamin E.
On a side note, I tried Wet n Wild's brow pencil for the first time and it actually worked great! The pigment is intense with one swipe and creamy, which I liked, and the spoolie worked well. I can't say I'm surprised because Wet n Wild is outstanding, but for $2, all I can say is how do they do it?
Wet n Wild's Color Icon Brow Pencil. $2.19
I love you guys and I hope you enjoyed this tutorial and review of Yes Please. What palette have you been lusting after?
Hope you all had a fabulous New Year's Eve and a fantastic start to the new year.


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Gig Reviews
Big Thief
Store Vega, Copenhagen, DEN - 11/3
Album Reviews
Big Awesome
Party On
Written by: PP on 09/02/2016 22:00:09
I wonder if Big Awesome got their name from a session where they recorded the first demo, realized it sounded like a hybrid between Tigers Jaw and The Menzingers, and someone shouted after the song, "That was AWESOME". A silly theory, I admit, but given how closely their debut album "Party On" follows the example set by those bands, it's entirely plausible that's exactly how it could've happened. And the parallels don't stop there. Much like early Menzingers records, there is a sense of potential waiting to be unleashed to its full punk-fueled alternative rock glory underneath a rocky, unpolished surface that results from a small budget production.
Opener "What Grows Up Must Get Down" showcases the very dynamics that made The Menzingers one of the bands to watch on 2010's "Chamberlain Waits". It's a nostalgia-driven song driven forward by emotionally charged, raw croons that are destined for much bigger venues given the huge sing-along potential and rollicking, upbeat rhythm of the song. This is the kind of stuff that "On The Impossible Past" was made of from start to finish. "Hooper" plays with similar quiet/loud dynamics with shouted out verses and calmer instrumental sections as said band, almost to the extent that it's dangerously close to sounding like a rougher clone of the original band. Fortunately, the band make it clear already on "Wolf" that's far from the case. Here, any fan of Tigers Jaw's self-titled debut will find themselves right at home, given the indie-flavored guitars and mood-setting delivery. There's an emotional overload in the vocal department, and the guitars ring with sadness and melancholy in just the right manner to merge revivalist emo together with a more 2010s punk-based soundscape. Same goes for "Pay Attention", one of the highlights of the record in that category.
The rest of the record continues in an even split between these two styles. Either we're in the anthemic, raw pop punk style of The Menzingers that's ultimately designed to work on larger stages than basements, or at the intimate emo and touching soundscapes of Tigers Jaw, with the exception of the vocals being slightly less intensely emotional. The guitars, although nearly identical to the latter band at times, are what makes it worth a listen considering how well they setup a mellow soundscape against the passionately crooned vocals. What's clear is that "Party On" isn't a classic, but the songwriting gives indication of a much larger, yet unused potential. Perhaps one day we'll look at this record like "Chamberlain Waits" and think back of it as an essential in a band's catalogue that has taken the scene by a storm on their sophomore album.
Download: Wolf, What Grows Up Must Get Down, Hooper, Pay Attention
For the fans of: Tigers Jaw, The Menzingers, Everyone Everywhere
Listen: Facebook
Release date 07.08.2015

subset: commoncrawl


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This six unit campground has an almost park-like aesthetic and is nestled in groves of fir and larch with views of the North Fork River. Whether coming for the day to fish or to stay for a couple nights with your family, Noe Creek Campground is a nice choice if you're looking for a quiet and peaceful spot to get away.
Outhouse and campsites are very clean, with plenty of space between site's. Peaceful, relaxing place to visit. To cold to swim in June.
this camp has many sites and is located next to the river so lots of swimming and fishing close by small fee per night great place to camp overall
Great wooded area along the river to camp if you like to fish there is plenty of fishing all over the area great camping for a small fee


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Wearables: now banks have the opportunity to be the ideal partner, how is the industry getting ready for this new institution-client relationship scheme?
In this article featured in Estrategia y Negocios, our Head of Business Solutions, Hector Franco, explains these devices' singularities and the new interaction and functionality models they entail.
Read the complete article here


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Not Guilty Plea Request Denied by Attorney, Death Row Inmate Fights Back
In Bossier City, Louisiana, a man that has maintained a claim of innocence has been put on death row for shooting and killing his mother, stepfather, and son of his separated wife in 2008. The thing is, ever since he was detained and put on trial, Robert McCoy maintained that he is innocent and that he wanted to plead not guilty. His claim is that he is a victim of conspiracy.
Regardless of McCoy's plea, his own defense lawyer, Larry English, took it upon himself to tell jurors that he did, in fact, commit these murders. With a plea of guilty, English also tried to stress McCoy's mental condition. This is a lawyer that McCoy wanted to discharge once he learned that the counsel intended to concede guilt, despite his protests. Unfortunately, McCoy had already removed his initial appointed lawyer because he believed that the arranged lawyer was not making the effort to really help him. Ultimately, McCoy was unable to change from his second lawyer due to his request being "untimely", and so the English moved forward as planned and pled guilty with hope of diminishing McCoy's potential sentence from death row to second-degree murder.
After the verdict, inmate McCoy made an appeal to the Louisiana supreme court, but his appeal was denied. The reason for denial was that the counsel's "failure to follow McCoy's direction (to plea not guilty) "did not deny Mr. McCoy the assistance of counsel or create a conflict of interest" since it still worked to defend him with a strategy. They cited the Florida v. Nixon decision by the Supreme Court in 2004.
So, McCoy continued to exercised his rights and appealed the decision of the Louisiana supreme court. This time, the Federal Supreme Court accepted his appeal based on the question: "Whether it is unconstitutional for defense counsel to concede an accused's guilt over the accused's express objection."
It appears that some justices believe that the client should have the right to admit or deny their own guilt in a capital case, not the lawyer. In a quote noted in NY Times, Neil M Gorsuch stated, "Can we even call it assistance of counsel? Is that what it is when a lawyer overrides that person's wishes?"
For those unaware that convicted defendants have the right to appeal their convictions and have their case reviewed, here is some worthwhile information for you:
- If the individual can get their request submitted within a set time limit to the state's highest court, which is usually 30 days for state or 60 days for federal court. There is a gauntlet of deadlines to meet once the notice of appeal is filed, you must be diligent. Some states make the appeal mandatory for a capital punishment case.
- The number of successful appeals is actually rather low, but if you are able to prove that you have been wronged in the appellate court, it could mean the difference between life and death as it is for McCoy. If your state supreme court denies your appeal, you may still file a "writ of habeas corpus." This remains at the trial level, and must go to the federal district court.


text: Estro 410 Posted May 14, 2019 (edited) I kind of hesitate to write posts like this because I don't like to criticize someone that's giving an honest effort........but Steve Tasker is one of the worst radio hosts I've ever come across. He stumbles and stammers his way through a 3 hour radio show almost every show. His questions to guests are so all over the place that I sometimes feel bad for the guest having to try and navigate his ? and give a response. I think the Buffalo Bills could do a lot better, and putting feelings aside, that's something they need to upgrade. I actually like that show quite a bit more when Murph is coupled with Chris Brown......I know they're both homers, but I just think Brown is much better at orating his points. Edited May 14, 2019 by Estro 17 1 1 1 Share this post Link to post Share on other sites


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THE Dunlop family's on-property Dunlop Santa sale at Jingeri, Proston, proved a red hot event with bids cracking $26,000.
Sale topper was the poll Dunlop Statesman N354 (by Dangerfield U2 U031 (P), which sold to Neil and Rosalie Watson, Watasanta, Tamworth.
Mr Watson said he selected Statesman because he ticked all the boxes and would be joined to 35 preselected females.
"First he was a poll, had a dark slick coat a 42cm scrotal measurement and a 140sq cm eye muscle area," Mr Watson said. "He also had an impeccable temperament."
Second top at $24,000 was Dunlop Showboat N236 (P), bought by Boyd and Susan Rohde, Narromine Santas, Goondiwindi. The 22-month-old homozygous poll with a 133sq cm EMA entered the sale ring weighing 926kg.
Also in top money at $23,000 was Dunlop Shamrock N802, bought by Shaun and Mindy Durdin, Heathwood, Springsure. Shamrock, by Eidsvold Station E284, had a 137sq cm EMA.
The sale recorded a 90 per cent clearance, with 85 bulls averaging an impressive $9217.
WG&SE Blakeney, Coondoo bought Dunlop Smith and Wesson for $18,000. The poll Dunlop Southpaw sold for the same money to C&D Gauld, Bethlee, Drillham. Dangarfield Cattle Company, Kingswood, Taroom, also paid $18,000 for the poll Swoosh.
Jaletto, Taroom, paid $17,000 for the poll Superman, who had a 134sq cm EMA.
Volume buyer with seven was Eungy Pastoral Company, Milparinka, Blackall. The draft included a poll bull for $13,000.
Geoff Pedersen and Sons, Wyseby, Rolleston, bought four including $10,000 for Dunlop Sultan N308, a horned bull by Bullamakinka Kong.
Karen Dunlop, Esk, bought three including Dunlop Sumo for $15,000.
Selling agents were Landmark, Shepherdson & Boyd, and GDL along with Elite Livestock Auctions.


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Dear Editor:
I'm trying to understand what possible motivation you may have had for publishing that vile cartoon depicting the shooting of the chimpanzee that went crazy. I guess you thought it would be funny to suggest that whomever was responsible for writing the Economic Recovery legislation must have the intelligence and judgment of a deranged, violent chimpanzee, and should be shot to protect the larger community. Really? Did it occur to you that this suggestion would imply a connection between President Barack Obama and the deranged chimpanzee? Did it occur to you that our President has been receiving death threats since early in his candidacy? Did it occur to you that blacks have historically been compared to various apes as a way of racist insult and mockery? Did you intend to invoke these painful themes when you printed the cartoon?
If that's not what you intended, then it was stupid and willfully ignorant of you not to connect these easily connectable dots. If it is what you intended, then you obviously wanted to be grossly provocative, racist and offensive to the sensibilities of most reasonable Americans. Either way, you should not have printed this cartoon, and the fact that you did is truly reprehensible. I can't imagine what possible justification you have for this. I've read your lame statement in response to the outrage you provoked. Shame on you for dodging the real issue and then using the letter as an opportunity to attack Rev. Sharpton. This is not about Rev. Sharpton. It's about the cartoon being blatantly racist and offensive. I believe in freedom of speech, and you have every right to print what you want. But freedom of speech still comes with responsibilities and consequences. You are responsible for printing this cartoon, and I hope you experience some real consequences for it. I'm personally boycotting your paper and won't do any interviews with any of your reporters, and I encourage all of my colleagues in the entertainment business to do so as well. I implore your advertisers to seriously reconsider their business relationships with you as well.
John Legend


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The latest from the natural world
Birdwatchers' paradise
Kenya has the second-highest record of birds in Africa, after Congo, with more than 1100 bird species. At least eight of these are national endemics. Around 170 of Kenya's bird species are Palearctic migrants, mainly from eastern Europe, Russia, the Middle East and Siberia. Another 60 species migrate regularly within the Afrotropics or from Madagascar. Some 335 species are found in forest; 230 species are entirely forest dependent. The best time to birdwatch in Kenya is September to April when migratory birds from Europe and North Africa are present.
From Bamburi to Nakuru
Three wildlife species have been translocated from the Lafarge Eco-system's Haller Park (formerly Bamburi Nature Trail) in Bamburi, Mombasa, to the Tindress Wildlife Sanctuary (TWS), Nakuru. The wild animals included waterbuck, eland and oryx. The translocation was successful, with all animals and personnel arriving safely except for one female oryx that succumbed to respiratory distress while in transit.
Dashed hopes for rare rhino
Hopes of saving the critically endangered northern white rhino from extinction were dashed following the recent death of the 42-year-old female rhino in San Diego Safari Park in California. Nola's death leaves Ol Pejeta Conservancy in central Kenya as the place hosting the world's only remaining northern white rhino: two females and one ageing male.
"We are confronted with a choice which cannot be ignored: either to improve or to destroy the environment. Every step we take, whether large or small, individual or collective, in caring for creation opens a sure path for that generous and worthy creativity which brings out the best in human beings. We believe that human beings, while capable of the worst, are also capable of rising above themselves, choosing again what is good and making a new start. This conviction leads us to hope that, whereas the post-industrial period may well be remembered as one of the most irresponsible in history, humanity at the dawn of the twenty-first century will be remembered for having generously shouldered its grave responsibilities."
Said Pope Francis at the United Nations Office in Nairobi, Kenya, during his maiden pastoral visit to Africa.


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A call for proposals for forward-looking cooperation projects (EACEA 36/2018) has been published on EACEA's website. Priority 5 of the call specifically refers to HEInnovate. Please follow the links below for further information about the call:
Announcement in the Official Journal: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=uriserv:OJ.C_.2018.454.01.0004.01.ENG&toc=OJ:C:2018:454:FULL
For further information, including the date of the information day about the call for proposals, please monitor EACEA's website: https://eacea.ec.europa.eu/erasmus-plus/funding/forward-looking-cooperationprojects-2019_en


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Busking and street activities
Buskers and street activities
Permission to busk in public places must be sought from us and neighbouring shops where the buskers intend to perform.
Private property
Our permission is not required for private properties such as Countdown, Pak 'n' Save and The Warehouse.
- Buskers must specify the dates they intend to perform. The maximum number of consecutive days permitted is five.
- Buskers must ensure that no one has the area booked for the same period. Give us a call on 07 376 0899 to confirm availability.
- Buskers must fill in an application form. No fees are required.
- Buskers must contact us if they wish to use Clem Currie Court outside Westpac Bank.
- Activities outside Clem Currie Court must enhance Horomatangi Street and the surrounding businesses. This area features seating and a power point.
There are no parking exemptions for buskers.
Street appeals, stalls, sausage sizzles
Street appeals, hawking, stalls and sausage sizzles may only be held for charitable purposes.
You must get signatures from adjacent shop owners.
- Flyers may not be placed under car windscreen wipers as they cause litter and parking problems.
- Ensure that no one has the area booked for the same period.
- Phone customer services on 07 376 0899 to confirm availability.
- A parking exemption for one car may be granted to allow ease of storage for stall stock. The exemption slip must be displayed on the dashboard of the vehicle.
For more information see our Tips for a Safe Sausage Sizzle.


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Michael Smith
Davis, CA
Michael, a native of Davis, CA, enjoys performing as a soloist as well as collaborating with a wide range of artists within many different musical communities. He is a former fellow at Ensemble Connect, a program of Carnegie Hall, The Juilliard School, and the Weill Music Institute in partnership with the New York City Department of Education. The fellowship brings together many facets that Michael is passionate about: performing, teaching, outreach, and developing unique roles as a creator and presenter. Deeply committed to the art of chamber music, Michael has performed throughout New York, the United States, and Europe in a variety of venues, including Carnegie's Weill Hall, Steinway Hall, Bernard Haitink Hall, Subculture, Merkin Hall, Seiji Ozawa Hall, National Sawdust, and the Mondavi Center. He has appeared at festivals including Music@Menlo, Tanglewood, and Norfolk. His performances have also been featured on WQXR and Wisconsin Public Radio.
Also a proponent of New Music, he has premiered works by major American composers such as Meredith Monk and Stacy Garrup, and worked with other major composers like Kaija Saariaho, Marc Neikurg, Steven Mackey, and Martin Bresnick. His most recent partnerships include collaborating with composers Gitz Razaz, Timo Andres, Jeremy Flowers, and the Mark Morris Dance Group. Michael is currently finishing a Doctorate degree at Stony Brook University under Gilbert Kalish, where he served on the Pre-College music theory faculty and managed the undergraduate piano program, teaching chamber music and solo piano majors as Head Piano Teaching Assistant.


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i-view London
i-view is an award-winning viewing facility brand, offering our clients the highest levels of service and satisfaction across our three city centre locations based in London, Leeds and Warsaw. Each venue has been custom-built as a contemporary hub for researchers, and each provides our clients with technologically advanced studios over a single, spacious, fully-accessible floor. All rooms are generous in size and bathed in natural sunlight. Several of our client viewing rooms can accommodate 20 clients comfortably.
i-view's venues are ideal for conducting all types of qualitative studies, including eye-tracking, dial testing, UX (user experience), and neuromarketing. From in-depth interviews, to theatre-style seating for 100 people, to a purpose-built bar for drinks research, and fully equipped test kitchen, we are able to assist in all aspects of studio needs, as well as help in offering our partners for Qualitative & Quantitative recruitment.
We have high speed fibre optic broadband in all our facilities, with HD video recording, web streaming capabilities, built-in headphone points, and translation equipment with two channel recordings where needed.
We are committed to being the best-in-class, and to offering our clients a premier experience that exceeds expectations.
Member of the Viewing Facilities Association
MRS Operations Award 2018 - Winner Best Viewing Facility
MRS Operations Award 2019 - Winner Best Viewing Facility
Contact Details
i-view London
Wellington House
125 Strand
London WC2R 0AP
020 3004 6890
Email firstname.lastname@example.com
Website www.i-viewlondon.com
Other methods of contact
Key Information
i-view London is a Viewing Facility established in 2012 with 6-10 full-time employees, and has Group Membership of the AQR.
Employees who are AQR members
Sam Grey
Maddie Lipski
Belma Lugic (AQR BOARD MEMBER)
Vivienne Myroti
Bob Qureshi
Skills, Expertise and Services
- Depth Interviews
- Group Discussions and Focus Groups
- Moderating
- Qualitative Recruitment
- Viewing Facilities
- Web Streaming
Membership of Professional Organisations
- The Market Research Society
- The European Society for Opinion and Marketing Research
- The Viewing Facilities Association
- The Alliance of International Market Research Institutes
Related Businesses
Location of i-view London
For further information about i-view London please contact them directly at the address shown above. When contacting this company, please mention that you found them on the AQR website.


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Wednesday, February 28, 6:00pm
Shoup Park Garden House
400 University Ave, Los Altos (map link)
Join us for a fun and festive Megillah Reading! Light dinner will be provided, along with hamantaschen. Kids (K and up) will join the main service for the first three chapters. Students will be called up to the bimah to sing Purim songs (learned in class) accompanied by our ukulele chug. At 7pm, all students will be invited downstairs to "The Underground" for organized games, crafts and activities, while the Megillah reading continues for everyone else.
Thursday, March 1, 7:45am 8:45am
Congregation Etz Chayim
4161 Alma St, Palo Alto (map link)
This year, the Kol Emeth Megillah reading will take place at Etz Chayim. We look forward to seeing you there!
Sunday, March 4, 11:00am-1:30pm
Congregation Beth David
19700 Prospect Rd, Saratoga (map link)
What would Purim be without a Carnival?
Kol Emeth is joining forces with Congregation Beth David in Saratoga to bring you the most fabulous Purim Carnival yet! There will be 5 huge inflatables, including an obstacle courses, human foosball, a 20-foot slide, and Hippo Chow Down. You will also find pony cart rides, a petting zoo, carnival games, face painting, a performance by a Klezmer band, Hot Kugel, a silent auction, plus so much more. We will even have a wine and chocolate tasting for the adults!
Please consider participating in the online auction. Visit www.beth-david.org/2018-silent-auction. Make sure to look for the Kol Emeth items for bidding, including Shabbat dinner lovingly prepared for you and your family by KE staff!
We are in need of about a dozen volunteers to work at the Purim Carnival. Anyone in 8th grade and up is encouraged to volunteer. It will also be a wonderful opportunity to hang out with the Beth David teens. Adults are also encourage to help out. Sign up here to volunteer: http://www.signupgenius.com/go/60b0c44a5ab2fa2ff2-congregationv
Post archive date: Sunday March 4th, 2018


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First, read the following webpage about a trained horse, who was said to "read, write, spell, add, sort mail, tell time, use a cash register, and even cite the Bible": Jim Key.
After reading the article, pair up with a classmate. One of you will be the trainer, while the other is an animal. Choose an animal, and make up "tricks" or astounding feats that the animal will do for the trainer. Write a quick script, and rehearse your "show". Perform it for the class when called upon to do so.
Given the time, we will look at some activities with the growth of animals. This activity will involve measurement
Learning Intentions
Success Criteria
Next, please read this webpage about a display of exotic animals at the fair:
Next, let's make an exhibit for the World's Fair 2.0 that includes exotic animals from around the world. You must follow the following guidelines in your design.


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Attack of the Clones: How to Utilize Lookalike Modeling to Grow Your Quality Audience
Want to know how to get a digital marketer's attention? Tell them you can take their most valued audience, and be able to grow it two, heck, three times its original size. This isn't a magic trick, though its effects


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Feature #8580
Allow custom selection of plugins retained by the 'copy' button of history stack plugin
Currently the history stack's plugin copies all history from an image. This includes the rotation set in LR mode and other stuff like crop & rotate in DR which are very image specific and often make no sense to overwrite when pasting a stack onto other images.
I suggest to have local preferences for each plugin (I will make another ticket for this) and for the history stack plugin to have these preferences contain a checkbox list of all plugins (both LT and DR) that it copies so they can be selected for inclusion/omission when 'Copy' is invoked.
Alternatively, always copy all but have a new button 'Custom Paste; which can be configured to omit certain plugins as described above. This way old functionality is retained yet a better workflow becomes possible, too.
#1 Updated by Russell Harrison over 8 years ago
I would also like to see this. Perhaps it might make since to make this similar to the advanced editing interface for styles. Along the same lines it would be nice to be able to create a new style by selecting an image in the lightroom and bringing up the interface to create a style from it.
#2 Updated by Simon Spannagel over 8 years ago
- Status changed from New to Fixed
Since the "copy" and "paste" mechanism is desgined to copy the whole stack, we won't change this. A filemanager pastes all copied files, not the ones you choose when pressing ctrl+v.
Maybe the "styles" functionality suit your needs: use them to save styles with specific plugins enabled (you can choose which).


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Waking up to wake-up pack requirements
In spite of the fact that savers have now had the option of shopping around at the point of retirement for almost 40 years, the rates at which the 'open-market option' has been used have long been a bone of contention for the regulator.
Until the Finance Act of 1975, those starting to take an income from their pension would purchase their annuity from their existing pension provider.
Since that legislation was enacted, savers have been able to choose to buy their annuity from a range of annuity providers.
In the annuity market, this gives savers the opportunity to shop around to find the option that works best for them in terms of lump sums, guarantees, escalation, and death benefits.
Most importantly, at least in the annuity market, it means savers can move away from a provider offering a low income in retirement and find an alternative provider offering a higher ongoing pension.
The open-market option also has relevance within the drawdown market, although the benefits it potentially offers to savers work in less direct ways than within the annuity market.
Providers were also required to issue a reminder letter at least six weeks before their customer's likely retirement date.
Savers have never directly been able to access a higher annual pension by switching drawdown product. This is because the income taken from the drawdown pot is decided by the saver and their adviser, not set by the provider.
However, the range of different charges applied by drawdown providers, and the different options offered in terms of income and investment flexibility, has meant there has also been value in assessing the options available from different providers when deciding to take income.
One key difference between annuities and drawdown in terms of the ability of savers to choose between providers is that this choice can be made at any point after someone has moved into drawdown.
With an annuity, the option of moving to another provider typically has to be made at the point the annuity is initially purchased, making low levels of take-up of the open-market option a significant issue within that market.
In the drawdown market, a saver can choose to switch provider at any point before or after they have crystallised some or all of their benefits, making the take-up of the open-market option, specifically at the time benefits are initially taken, less of an issue.
Regulatory intervention
Regulators have attempted to address low levels of take-up of the open-market option on several occasions in the past.
The most significant intervention until recently came in 2002, when the then Financial Services Authority's Traded Endowment Policy and Open Market Option Disclosure Requirements Instrument introduced the requirement for providers to issue a 'wake-up letter' to a pension scheme member at least four months before that customer's intended retirement date, and also where the customer asked for a retirement quotation if this was more than four months before that date.
The information which had to be provided with the wake-up letter included:
- an explanation of the open-market option, including the availability of different annuity types and rates, and that the customer might get a better deal by shopping around;
- details of the financial advantages and disadvantages of shopping around;
- an explanation of how to shop around; and
- a recommendation to take advice.
Firms were told they could meet the requirements by sending a copy of a 'Your pension – it's time to choose' factsheet, then published by the FSA.
In addition to the main wake-up letter, providers were also required to issue a reminder letter at least six weeks before their customer's likely retirement date.
The reminder had to include an estimate of the fund value that was likely to be available to be transferred or to provide an income at the customer's retirement date.
Since its introduction in 2002, several attempts have been made – both by regulators and within financial services – to improve the effectiveness of the wake-up letter and the take-up of the open-market option.
These have included the introduction of annuity comparison sites, improvements in the content of web-based and written material available from the likes of The Pensions Advisory Service, and the Association of British Insurers' Code of Conduct on Retirement Choices, which became effective from March 2013.
The introduction of the pension freedoms also saw the launch of Pension Wise.
While these supplementary initiatives have been launched, the timing requirements and contents themselves have remained largely unchanged since 2002.
The only significant change came in 2007, when Mifid saw the introduction of a requirement to issue an open-market option pack when an income withdrawal arrangement was discontinued for the purposes of buying an annuity.
That lack of change will soon come to an end, with the Financial Conduct Authority's Retirement Outcomes Review acting as a catalyst for a rethink of the requirements, applicable later in 2019.
Regular trigger points
Broadly speaking, the changes which we will see later this year can be broken down into the 'when' and the 'what'.
Looking at the 'when' first, we are moving away from a simple structure where letters are issued four months and six weeks before the intended retirement date (or state pension age where no retirement date has been specified), or when an annuity is purchased from a drawdown fund.
We will soon see much more regular trigger points.
Later this year, your clients will receive their first wake-up pack within two months of reaching their 50th birthday.
They will then receive another pack between four and 10 weeks before they reach 55, and then at five-yearly intervals until they have fully crystallised their pension.
In addition to these age-based wake-up packs, the existing requirements based around the below remain in place:
- intended retirement date (or state pension age where none has been specified);
- customers requesting a retirement quotation; and
- the discontinuance of a drawdown arrangement for annuity purchase.
A new requirement to issue a wake-up pack if a customer asks to access their pension savings for the first time is also introduced.
So, for example, if your client asks to access their pension for the first time a few months before their 60th birthday, the pack triggered by their 60th birthday itself may not be issued.
The calendar for issuing wake-up packs will be much more congested going forward.
If packs do not have to be issued because another has already been sent out in the previous 12 months, this is likely to be relevant in lots of cases.
Moving onto the 'what' changes, the big development for the wake-up packs is the removal of focus on the 'Your pension – it's time to choose' factsheet, as currently owned by the Money Advice Service.
The factsheet will still be required in most instances, but will now be accompanied by a single page summary of key information about the pension, as well as a number of risk warnings.
The recommendation to seek guidance or advice will look much stranger when issued to a client who is accessing their pension savings for the first time.
The key information included in the single page summary will have to include, among other things, the value of the client's pension savings, the amount of contributions paid to the scheme in the last year, and the client's given retirement date.
Key from an adviser perspective is that the summary must also include a prominent section regarding the availability of, and how to access, the government's Pension Wise service.
This must be included, even if the provider knows that the customer is advised.
The risk warnings issued to clients must be based on the main risk factors associated with their exercise of open market options, with the specific warnings given to the client based on information the provider holds about the client.
The provider must also explain what assumptions were used to prepare the risk warnings and the personal data it used when deciding which to provide.
As with the key information, the risk warnings must be provided to your client regardless of whether they are advised.
If the risk warnings are issued between 10 weeks before the client hits 55 and seven months before they hit their intended retirement date, they must include a statement that accessing pension savings at this point may not be the best option, even where they are being issued because you have advised your client to access those savings.
The requirement to issue risk warnings at the point a customer first accesses their pension also creates an interesting anomaly. Some individuals will be provided with 'OMO-related' risk warnings as part of this process, as well as potentially having to answer risk questions and be provided with risk warnings related to their answers to those risk questions as part of the same process.
Impact for advisers
At a very basic level, the key point for advisers to understand is that the need to issue wake-up packs in a far greater number of circumstances than has previously been the case is a provider requirement.
A provider cannot choose not to send these packs because advisers don't want them to be sent, or even because a customer has asked not to receive them anymore.
This means advised customers will soon be receiving a recommendation to seek guidance or advice to understand their retirement options, even though they are already receiving advice.
That recommendation arguably makes some sense in relation to all the wake-up packs issued in accordance with the age-based triggers.
The recommendation to seek guidance or advice will look much stranger when issued to a client who is accessing their pension saving for the first time – one of the circumstances where the wake-up pack will have to be issued going forwards, and where that client will just have received specific advice on their chosen course of action.
This recommendation to customers to take generic guidance, even when a provider knows that advice specific to that individual's circumstances has just been given, feels like a risk.


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- Alibaba hot sale 1m 1A 2A copper for wholesale iphone 5 6 usb cable
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The Watchtower is looking for the most exceptional listings. Submit your gems here.
This will not stay on the market for long since there is usually a waiting list to make an offer on these historic and very rare units. The floor plans, the windows, the light! Everything is special about these. Listing agent is Karen Karpman at Sotheby's. More pictures and details here.


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Piercing is a form of body modification which has grown immensely in popularity over the years.
It is possible to learn the basics of how to pierce through watching instructional videos, reading guides and observing others. Although if you are considering becoming a certified professional body piercer you will need to invest a year or more of your life into learning all the necessary skills for the job.
In order to be a professional piercer you must meet the strict standards of the APP (Association of Professional Piercers)
Before you make any big decisions, ask yourself this question:
Do you have the aptitude for the job?
First things first, you should spend some time seriously considering if becoming a body piercer is what you really want to do with your life.
Figure out if you are right for the job and if the job is right for you.
You need to have a steady hand and not be squeamish about blood and other bodily fluids. It also helps to be a naturally friendly person with good social skills, you will be working with people.
Once you have come to the conclusion that you genuinely do want to become a piercer, then you move on to doing your studying and getting certified.
Health and Safety training
This includes attending a first aid course. Find one near you from either the Red Cross, St John's Ambulance and a number of others you will easily locate online.
You will also need to engage in bloodborne pathogens training. Here you will learn infection control, the dangers of bloodborne pathogens and other highly important and relevant information. You can find this training with OSHA.
Spend time as a trainee
It is recommended that you spend at least three months as a trainee. You will be taught about disinfection, proper sterilization and other safety related issues you will encounter in the studio.
Piercing Apprenticeships
When you are ready and have all the necessary certifications, find a reputable studio to do an apprenticeship with. This way you will be taught by someone who is already certified.
Find a reputable studio with piercer who is willing to take you under their wing as their apprentice and allow you to learn from them. This should last from 6 months to a year depending on the nature of the studio.
Be an observer
Before attempting a new piercing, always watch closely as a professional does it first. Be sure that you know exactly what you are doing before performing the procedure yourself.
Country or state licenses
Some countries and states require you to obtain a license in order to pierce professionally. Check what the laws are for where you live. You want to avoid any legal trouble in the future, don't you? You could end up regretting it if you do not have all the licensing required by your state or country.
So becoming a certified piercer may not be as easy as you thought. There is a lot of training you are required by law to do if you would like to start working in an actual piercing studio.
Don't let this discourage you though. If you really do have a passion for body modification and piercings you will be in your element working as a piercer. You will get to spend your days doing what you enjoy with people who have mutual interests.
Those of you who decide you don't really want to go professional; if you already do piercings on your self or your friends, always make sure to take the same precautions as a professional would.
Whether you are a professional piercer or just a hobbyist piercer, have a browse through the products on this site and bookmark us in case you need to find us again.


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Venice, Florida Boat & Watercraft Insurance
At Evolve Insurance Agency, we can offer a wide variety of coverages and options for your beautiful boat, jet ski or personal watercraft. Some boats or smaller watercraft may even be covered under your current homeowners policy. Here in Venice, Florida, boats are common, which means so is the increased need to be properly insured while on the water. Let one of our experienced agents give you the coverage you need and recommendations to best fit your situation. The following list some of the many coverages that we can offer:
- Physical Damage Coverage - Adding this coverage to your policy protects your boat while in storage and during transport. This covers your boat as well when out of the water, including but not limited to: fire, named storm such as a hurricane, lightning, vandalism or theft. You can also obtain emergency service reimbursement for expenses related to towing, labor or supplies.
- Liability Coverage - This coverage will assist you in the event of a collision with another boat, dock or other boaters.
- Personal Liability - protecting you or family member if you have an accident that causes injury to another person.
- Uninsured and Underinsured Boater Coverage - this coverage typically applies to the medical expenses of yours and occupants of your boat when you, or they, are injured in a not at fault, on-water accident with an uninsured or underinsured boater.
- Medical Payments - covering medical expenses if you or someone in your boat is involved in an accident.
- Property Damage - damage that may be caused to another persons property while operating your watercraft.
Boat and Watercraft Insurance in Venice, Florida
Consult with one of our professional agents at Evolve Insurance Agency to make sure you have the right coverage at a competitive price. We can evaluate your boat or jet ski insurance needs to find special coverages you many need or any discounts you many qualify for. Some additional discounts and coverages may include:
- Accident forgiveness
- Roadside Assistance
- On-Water Towing
- Fishing Equipment
- Boat Removal
- Boating Safety
- Multi policy discounts


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Russia In Your Face!!!
The extreme alternative to the lying Western LAMEstream media!!!
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Tag: totally sane
December 6, 2015
December 6, 2015
Truthguide: How to seek the TRUTH!
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Along with knowing what kind of milk and how much syrup is in our specialty drinks every morning, we should be even more concerned about where the beans that create those delicious nutty undertones come from. Some of the biggest regions that produce coffee are Central and South America, Central Africa, and Southeast Asia. Many countries' economies are wrapped up in the global trade of coffee.
A good place to start in learning about coffee beans is the different types. There are two kinds of beans that are used most often for making coffee, Robusta and Arabica. The differences in these two relate to their flavor, growing conditions, and price. Robusta has a stronger, harsher taste with grain and peanut overtones and can have twice as much caffeine as Arabica beans. These beans however, are considered lower quality when compared to Arabica beans in most cases. There are a few growers of Robusta that are higher quality and used in espressos for their rich flavor and caffeine content.
Arabica beans are common in pricier coffee circles, where Robusta is common in the grocery store. Arabica beans are more acidic and tend to have the fruitier tones that can be associated with specialty coffees. The two different kinds of beans are grown in different locations as well. Arabica beans grow at higher altitudes and take longer to produce than the Robusta beans which are very hearty and grow quickly. This information was all found at http://www.thekitchn.com but there are many other sites out there. The types of beans grown determine the price that growers can sell them at and how much and how fast they can grow.The bigger question for me has been not just where these beans come from, but how they're grown and the story of the farmers behind them. On a recent trip to the Dominican Republic, I was able to go up into the mountains and see coffee plants first hand and learn about how the seasons of coffee affect the lives of the people in the towns. This experience and a conversation with my roommate got me thinking about fair trade coffee. My roommate read the book The Taste of Many Mountains by Bruce Wydick, which looks at the downfalls of fair trade, based on a research study done in 2007-08 funded by USAID (United States Agency for International Development) and conducted by University of San Francisco in Guatemala. There are many sides and factors that affect how fair trade works in different countries.
The task of being fair trade certified can be beneficial and detrimental to farmers in different ways. My perception of fair trade was that it helps the farmers get paid more for the coffee they grow, and this is what fair trade organizations want people to believe. From Grounds for Change "Fair trade certified coffee directly supports a better life for farming families in the developing world through fair prices, community development, and environmental stewardship." This all sounds pretty great to me, but one of the researchers who visited Guatemala Seth Morgan, stated "I was surprised to find out that fair trade was not working as advertised, or at least not reaching the intended target population (small growers)". There are many sides to free vs. fair trade in the coffee industry. Fair trade supporters will argue against free trade, and state that fair trade is better, but the truth is that there are still shortcomings in both models.
Fair trade certification for coffee requires farmers to join co-ops, meet specifics in working conditions, and meet specifics regarding environmental standards as well. Despite these standards and the difficulty that small farmers may have meeting them, there has been significant growth in the fair trade market since it began. In 2009, fair trade coffee accounted for 4% of the 14 billion dollar coffee market in the United States. It also continues to grow in the UK, so it is important to think about if fair trade is really doing all that it can, or if it is just making it more difficult for farmers to earn a living wage because of all the hoops they have to jump through. Another factor that Wydick brings up is the need for coffee to be organic. This is another fight farmers have to make in their production. Yes organic foods are great, but that means there will be more beans lost to pests or spoilage during transportation before roasting. Losing beans means losing money for farmers and decreases their marginal profit from selling their coffee fair trade.
One of the challenges relating to fair trade is the confusion for consumers. Even after a few hours of research for this post I'm still not sure what I think about fair trade. I hope that this post provides somewhere to start on your research and thinking about both sides. Listed below are some of the websites I looked at:
The Independent Standford Social Innovation Review The Fair Trade Coffee Company
International Trade Centre The Davis Enterprise GreenBiz Justmeans
Look out for a post following this exploring some ways people have searched to improve trading coffee.


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Gettysburg: Family festival, ice cream eating contest celebrates summer
Mulligan MacDuffer Adventure Golf is holding its annual Summerfest on Saturday and Sunday in celebration of its 26th anniversary.
Festivities scheduled include raffles, free food and a scavenger hunt, according to a news release from the business. The main event, however, is the seventh annual Hershey's Ice Cream eating contest, scheduled for 3 p.m. Sunday.
Read the full story at FlipSidePA.com.
Read or Share this story: https://www.eveningsun.com/story/news/2015/07/21/family-festival-ice-cream-eating-contest-planned-near/32354803/


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Why is it that you require a marketing funnel for your localbusiness? Marketing Funnel Recruitment
You require it to give clarity and produce your sales strategy meaningful.
We have all heard of marketing funnels, but you might not have ever created one.
It is easy.
Here's how.
Think of the shape of a funnel.
A marketing funnel is the same–wide at the top and narrow at the base.
At the very best, you want lots of potential customers.
In the bottom, you wish to sift out these customers that will actually become paying clients.
A promotion funnel might help you more easily visualize your sales process, outlining all of your unique steps that cause the sales of your product or service.
You'll be surprised at how much drawing your marketing funnel will help you imagine your promotion business.
A marketing funnel has many levels:
At the top of the funnel, a few customers will instantly drop out because they are not interested in your company.
At the next degree, customers have demonstrated some interest.
Perhaps they've signed up for an email list or downloaded an accounts.
It is critical to make sure that these customers move to the next level of your funnel.
You also don't want them to linger at this level–they need to either commit to the next level, or abandon the funnel.
Finally, the clients that commit will typically buy one time for certain, then it's your task to turn them into repeat clients.
Drawing out your marketing funnels makes it possible to identify problems.
This procedure saves you money and time as it enables you to focus in to the ideal clients.
So how can you take action?
Step 1: This step is all about showcasing your business to your new leads.
Step 2: Lead to these potential clients to a funnel with a low- or no-cost entry supply.
At this stage, the prospect should have very little commitment and invest hardly any time.
A normal strategy is entering an email address to get a complimentary report.
Step 3: Educate the potential client by providing them important information about your merchandise.
They need to comprehend the benefits of your supply.
This not only can help you establish your experience, but it also educates them regarding the demand for your goods and assists them together in their decision.
Step 4: It is now time to ask for the sale. Make your supply.
You've already made your case in Step 3, and this measure should be simple and simple.
Step 5: Following the sale, follow with your client, express appreciation, and ask for testimonials and referrals.
As soon as you've created this funnel as a wonderful small business source, refine it to repair process issues you've noticed.
The final result will be many more prospects turning to customers to grow your company.
Thanks for taking the time to find out more about Marketing Funnel Recruitment, hopefully you found what you were looking for.


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April is Animal Cruelty Prevention Month and the perfect time to raise awareness about the dangers of declawing for cats and other animals alike.
We were privileged to be able to interview Lori Shepler, City the Kitty's Mom and advocate for banning declawing. Below are a series of questions that Lori answered for to help us gain a deeper insight of how declawing has become a norm and the dangers of continuing the practice.
1. What drove you to be passionate about banning declawing? Was there a particular event or was it something you were always involved in?
About four years ago a fan of City The Kitty's told me about the Paw Project and this cause to end declawing. I looked into it and was appalled that so many millions of cats were having this inhumane procedure done to them in America. I was looking for a good cause to take up, so I jumped right in, full-time and started working on helping with the awareness about this barbaric procedure.
2. When did declawing become a norm among vets? Why is it promoted to cat owners?
Declawing was invented in the 50's by an AVMA vet and it was promoted in the vet profession as a humane way to protect furniture and it caught on. Declawing is a billion-dollar business in America and that's why the vet associations fight so hard to stop the anti-declawing bills. They say that we are trying to take away a medical procedure but declawing is a mutilating and inhumane procedure that has no benefit to the cat. They are running out of excuses to try to keep declawing legal for their declawing vets.
3. If there is one thing our fans need to know about declawing what would it be? Why should they be more active on an individual level?
Declawing is feline paw mutilation and this procedure that involves amputating the toe bones and claws on a cat always harms the long-term health and well-being of a cat no matter how it is done. There are always humane alternatives like sturdy scratching posts, horizontal and vertical scratching posts, nail trims, soft paws, deterrents, etc. There is never a reason to do such a harmful procedure to cats. If someone feels that they have no other choice to do it, they should rehome the kitty and give it a home where the owner cares about the health and well-being of the cat.
If everyone helped this cause by signing petitions, finding an ethical and humane no-declaw vet to take their pets to, speak up about it, contacted their legislators, declawing would end sooner than later.
4. What Organizations are the most important to follow that are actively making a change?
Dr. Jennifer Conrad with the Pawproject.org is the one who started this cause and works tirelessly to help end declawing. Alley Cat Allies are also working hard to help end declawing. And of course, City the Kitty since I work full time on trying to help raise awareness about declawing and I shine a light on all the unethical things involving this inhumane procedure.
5. How can cat owners become more involved in banning declawing?
Sign petitions, contact their local legislators and ask them to introduce anti-declawing legislation, follow City the kitty and the others who are leading the way and have a call to actions.
6. What are some recent feats that active declaw banning campaigns have achieved in 2017?
- North Shore Animal League America wrote an awesome letter of support for the anti-declawing bill in NY.
- Cornell University College of Veterinary Medicine small animal hospital stopped declawing.
- Canadian Veterinary Medical Association completely condemned declawing.
- The New Jersey anti-declawing bill passed 43-10 in the Assembly. It will be back on the table in 2018.
- Denver banned declawing.
- There are bills to end this inhumane procedure in NY, WV, and RI. There's a new anti-declawing bill in California that was just introduced.
- American Association of Feline Practitioners and American Animal Hospital Association (AAHA) came out with stronger statements against declawing. Let's hope that in 2018 they stop catering to their declawing veterinarian's pocketbooks and their own pocketbooks and finally not allow declawing at their "Cat-Friendly" and "Standard of Excellence" vet hospitals.
- Nova Scotia and Denver banned declawing!
- Texas Coalition for Animal Protection stopped performing declaw procedures at their clinics!
- A groundbreaking declawing study lead by Dr. Nicole Martell-Moran showed how harmful declawing is to the health and well-being of a cat, no matter how it is performed or what age the cat has its toe bones amputated.
We wanted to Thank Lori for providing us some insight into the dangers of declawing and why it needs to be banned sooner than later. Be sure to check out City the Kitty's Petition Page and sign the petition's that can help save future cats from the cruel procedure!


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Read about some of the ways our Support Practice Group has helped its clients stay productive.
Read more about our Managed Services practice.
How can your firm stay protected from unexpected disasters and failures?
Contact us for a consultation.
A 500-user Litigation and Arbitration firm with eight international offices decided to take advantage of a building mandated power shutdown at their New York City office this past weekend. Their server room was chaotic, full of thickets of wires and cables that made it a challenge to manage the systems in a timely manner in the face of issues.
In preparation for the building's power shutdown, a Kraft Kennedy consultant began by failing over the firm's colocation facility in Phoenix so that users would have uninterrupted access to the network. From there, he and the team started work on the cleanup, completely gutting the New York server room and re-racking and re-cabling everything from scratch.
The result was a highly efficient, impeccable setup. Now, in the event of issues, the firm's cables can easily be traced back to the hardware for faster resolution. The team also took advantage of the downtime to make several architectural changes to the network, creating a dedicated storage network for improved performance and overall network health.
Kraft Kennedy's Support Practice Group engineers received an alert that a 100-person firm was, unbeknownst to them, experiencing a spike in disk space usage.
Remoting in to the firm's server from the New York office, a consultant checked on the firm's Exchange configuration, event logs, and disk usage, and saw a log buildup threatening to take down the firm's database. Once full, it would leave users without email instantaneously, not giving the firm's internal IT team a chance to remediate the issue. A Kraft Kennedy consultant set up circular logging so that the logs would keep building but only the most recent 20GB would be maintained, keeping the database running. Users were able to keep working without ever realizing how close they came to losing access to their most critical system.
While monitoring a small law firm's network, a member of Kraft Kennedy's Support Practice Group noticed a severe spike in temperature in its server room. This firm had recently moved to a new office in White Plains, and was relying on Kraft Kennedy to help it with the technical details of the move. Overheated servers can lead to the failure of an entire network, leaving users without their critical systems, and prolonged overheating can lead to permanent damage and shortened lifespan. Kraft Kennedy was promptly alerted of the dangerous heat levels around the firm's servers and a consultant arrived onsite within an hour to remediate the problem. The network stayed up without any impact on the users and the equipment remained unharmed.
A new Support Practice Group client, a 50-attorney firm, wanted to resolve its issues with backups before it made the transition from its previous managed services provider. A power outage had recently left a large amount of the firm's data corrupted. Even worse, Kraft Kennedy found that there had not been any successful backups since. As a result, attorneys and staff did not have access to current production data and were unable to continue working on their projects. The firm was losing time and money.
Kraft Kennedy investigated and was able to retrieve data from three-month-old backup tapes, which were in a secondary, read-only share. This allowed the firm to access current, non-corrupted data to keep working. Users were also given the option to recover corrupted documents from the archive if necessary.
To avoid future work-stopping disasters like the power outage, the Support Practice Group chose Datto for the firm as an appropriate consistent, off-site backup solution.


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Scrap Metal Insurance
Risk Solutions for the Scrap Metal Industry
Skogman Carlson Insurance provides insurance to scrap metal industry businesses in Cedar Rapids, Iowa City, Coralville, North Liberty, Marion, Mount Vernon, and surrounding areas.
Scrap metal businesses are exposed to industry-specific risks. At Skogman Carlson Insurance, we understand those risks and we understand what it takes to keep your business protected. We cover everything, from local scrap yards to large-scale scrap metal and recycling businesses.
Our services include, but are not limited to:
- Property insurance
- General liability
- Umbrella coverage
- Specialized coverage for equipment and machinery
- Commercial auto insurance
Contact a representative at Skogman Carlson Insurance today to set up a consultation.


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Former Toronto city councillor Giorgio Mammoliti is seeking more than $25,000 from the city to cover legal fees linked to an investigation into a scuttled deal for a patch of land where he wanted to build a massive flag pole.
In a letter sent to the city clerk's office at the end of June, the onetime Ward 7 councillor's lawyers said they are requesting "full reimbursement for all legal fees" — on top of the $20,000 that has already been paid out by the city as dictated by its policies for situations like this.
The letter says the usual $20,000 payout is "reasonable" for "efficient" investigations.
But in this case, lawyer Gavin Tighe wrote, that amount is "wholly inadequate" for an investigation that lasted almost two years and "was conducted, in our client's view, unfairly and with bias and animus against him."
Tighe also wrote that Mammoliti believes the investigation "interfered with and contributed to his electoral defeat in the 2018 municipal election."
A massive flag pole
The investigation in question probed a proposed land deal that, had it gone through, may have seen the city's parking authority pay some $2.6 million more than it should have for a piece of land near Finch Avenue West and Highway 400.
Mammoliti, who represented York West at the time, wanted to build a massive flag pole on the land as a "gateway" to his ward, according to a secret report obtained by CBC Toronto.
The 38-page report by law firm Torys LLP, which CBC Toronto received from a source at city hall, claimed Mammoliti "made direct express threats" to city staff, insisting the city agency should pick up the $12-million tab to buy the land at 1111 Arrow Rd.
In a previous interview, Mammoliti dismissed the report's allegations, calling it "nothing more than the usual smear talk before an election."
Integrity commissioner Valerie Jepson issued a report last month with her findings on the conduct of both Mammoliti and the parking authority's board.
Jepson wrote there was "insufficient evidence" to conclude that any member of the parking authority or the Emery Village Business Improvement Area contravened the city's code of conduct.
"There are no more reasonable or logical steps that I could take to pursue the lines of inquiry discussed in this report that would be a prudent use of resources, warranted by the circumstances, or fair to those involved," she wrote.
"However, there are some things about this case that should give city council good reason to consider whether reform is necessary."
Council to debate issue next week
Among them, Jepson wrote, was for the city manager to provide recommendations to council about best practices to improve and clarify the role of councillors on city boards.
Mammoliti was on the board of the parking authority when the agency struck the deal to buy the roughly 1.6-hectare parcel of land from KATPA Holdings and developer Frank De Luca.
The TPA had signed an agreement to pay $12.18 million, even though two appraisers advised the agency the land was worth about $7.5 to $8 million.
Mammoliti's legal fees in connection with the investigation ended up being $45,269.24, his lawyers said in their letter. City council policy states councillors will be reimbursed $20,000 for legal fees, which leaves just over $25,000 outstanding.
A report from the city clerk outlines three options for council in this situation: that the city pay the $25,000, that it pay that amount and agree to cover future legal fees, or that it not pay any more legal costs at all.
The matter will go before city council next week.


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More intriguing is another possibility Nalasco mentioned: a
We can't yet say definitively that those observations will consistently hold true across different workloads, but that's where our data…Read more
Enflurane and Isoflurane are isomers
A curious (but apparently true) story about enflurane relates to its pre human work. Enflurane and Isoflurane are isomers, and…Read more
American Pharoah's owner is Ahmed Zayat
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5, at the East Wing Glenview Senior Center, 2400 Chestnut Ave
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rebel churches unite the faithful in diverse sf neighborhoods Canada Goose Sale Outlet Word!" she goes Canada Goose Sale, cracking…Read more
I not some pampered Cinderella stepsister who suddenly had her
french towns launch debt strike over Hermes Belts Replica Don get me wrong. I not some pampered Cinderella stepsister who…Read more


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Meet Kaur – Jhanjhraan
posted February 18, 2019
Shinestar Intl are proud to present the highly anticipated brand new smash hit single released by Meet Kaur entitled "Jhanjhraan", music by Sumit Sethi!
EXCLUSIVE to DesiDrop.com!!
In this post:
Similar Tracks
- Taare Meet Kaur feat. Mista Baaz
- Surma Meet Kaur feat. Harshit Tomar
- Gutt Rupin Kahlon feat. Meet Kaur
- Channa Meet Kaur feat. Desi Routz
- Mohali Wala Meet Kaur feat. Preet Hundal
- Hashtag Meet Kaur feat. Mista Baaz


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The decisions were taken on Tuesday in Awka during the party's National Executive Council (NEC) meeting, which followed the expiration of the four year term of the members of the BoT.
Meanwhile, the party had picked May 31 as for it's National convention at the Prof Dora Akunyili Women Development Center in Awka, Anambra State.
New BoT members were to be nominated ahead of its National Convention for ratification, as read out by the National Secretary of APGA, Labaran Maku.


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A family dog dies in a late night house fire in Lansing.
Firefighters rushed to the 800 block of Hickory Street last night around 11:30.
Authorities tell us the people who lived in the home got out safely with one of their pets, the other dog died inside.
The house is a total loss. No word yet on the cause.


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Ahoy mateys! We've spotted some good rates over at the elegant 5* Constantinos the Great Beach Hotel in Protaras, Cyprus situated right by the sandy beach! There are in total 4 restaurants and 3 bars here along with a spa and a lush lagoon pool. Half board is included in this holiday along with flights,… Cee POSTS ARE NOT OUR ENDORSEMENT
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Wednesday, 23 May 2018
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text: The main zip file contains .ai, eps and pdf files of the logo and the business cards, fully editable with possibility of adding more user information to the info side of the card. The cards are available in 3 different color schemes; Print ready in 300 dpi high print quality CMYK; Color codes are added in the swatch palette; Trim marks defined. Used Fonts: http://www.dafont.com/jellyka-gare-de-chambord.font http://www.losttype.com/font/?name=vevey


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News and Events
Retail Analytic
Professor Jonathan David Yach is an international expert on mall and asset management. He will be at Dayananda Sagar University, Bangalore on Sunday, December 1, 2019 to lecture on Retail Analytics. His master class will take the student into granular details of retail metrics and determinants of the health of a store. In Bangalore he established the Mantri Square Mall and the Royal Meenakshi Mall.
Master Class – Financing a New Venture
Prof. Sunil Bhumralkar, former managing partner at Ernst & Young, Bangalore will take a master class on Entrepreneurship on Sunday, Dec 22, 2019 from 13:30 Hours to 16:30 Hours.
He will talk about the following with specific reference to Entrepreneurship:
•The Search for Capital
•Financial Statements in New Ventures
•The Valuation Challenge
Prof. Bhumralkar is a chartered accountant with over three decades of auditing experience both in India and abroad advising large MNC's and successful startups. He is a professor of practice at Dayananda Sagar University, Executive Education Program.
Venue: Dayananda Sagar University, Innovation Campus, Kudlu Gate, Hosur Road, Bangalore.
Contact: Malathi Nagaraj @ 9916732326


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Back in the day (we're talking before Captain America got frozen in ice) lube for motorcycle chains was a pretty meagre selection of very basic products. It was probably the same grease that was slapped onto car axles, and it performed about as good as you would expect.
Luckily that situation has changed dramatically, both for the Captain and for chain lubes. The best chain lube these days will be tailored to suit your bike, your riding style and even the local conditions where you live and ride. Read on for our guide to this extremely useful product, and help yourself to find the best chain lube for your hog.
The Best Motorcycle Chain Lube
DuPont Teflon Chain Saver Lubricant
We'll kick off with this product from DuPont, perhaps one of the most recognizable brands on the list. It is also one of the most popular motorcycles chain lubes on the market, and when you check out the list of features it is packing, that is perhaps no big surprise.
The big stand out has to be the inclusion of Teflon in the formulation of this product. The same material that stops eggs sticking to your skillet is here employed to prevent dirt and debris ticking onto the chain. That helps to make this one of the more dirt resistant lubes you will find.
It is also water and wear resistant, again thanks to that Teflon and Moly found in the formulation. It is designed to not fling off the chain either, making for one highly effective and long lasting product. You'll also be happy to know it is very easy to apply, with a simple spray and play application process.
Best chain lube on the list? We still got a lot of products to go but it is making a strong case!
No Fling Formula
Teflon for Wear Protection
Water & Dirt Resistant
Withstands up to 300 Degrees Fahrenheit
- BrandDuPont
- ModelCS0116601
- Weight2 pounds
Maxima 74920 Chain Wax Aerosol
Maxima are a USA based oils and lubricants manufacturer with a well-earned rep for developing premium products. Whilst they are aimed more at the racing market, they are suitable for use on a wide range of bikes and are just as good for commuters as for racers.
They employ a paraffin-based formula that they refer to Para-Film. Essentially this is a wax style of lubrication. That means the lubricant is designed to really cling to the surface of the chain for long lasting and deep penetrating protection. It also means that is provides a very high degree of water and dirt resistance.
This product is in fact designed to be a chain lube that provides one of the highest levels of water protection on the market. That makes it ideal for use in high humidity environments. If you are one of those crazy people who bike in Seattle (or somewhere equally wet!) you should certainly consider this product.
It's not cheap but it is certainly high quality, especially if you ride in the rain a lot.
Dirt & Water Resistant
Additional Sprocket Protection
Works on O Rings
Especially Suited for High Humidity Environments
- BrandMaxima
- Model74920
- Weight1.2 pounds
PJ1 Blue Label Motorcycle Chain Lube
PJ1 are the manufacturer of the next lube to make our list. It actually has quite a few similarities with the product we just looked at. It is a petroleum-based formula that is specially designed to increase performance.
It is designed to reduce friction in the chain as it moves through its motions. That in turn can lead to increases in overall performance as well as increase the chain lifespan. Both very useful functions to see in chain lube. It is also formulated to protect against rust and corrosion, again helping to prolong the chain lifespan.
This product has been specially designed for use with O-ring style chains. To that end it should penetrate deeply for added protection of this chain style and it is also nice and easy to apply. It is also designed to not fling off the chain whilst the bike operates either, meaning you need to apply it less often.
This is certainly a premium product, and the high price tag matches that, but it is also a very well designed one.
Specifically Designed for O Ring Motorcycles
Water Resistant
Easy Application
Performance Oriented
- BrandPJ1
- Model1-22
- Weight6.4 ounces
Motul M/C Care Factory Line Chain Lube
This is the first Motul chain lube to make our list. Spoiler alert though, it is not going to be the only one from Motsul that has made the grade. That is because this company frankly makes extremely high quality motorcycle chain lube.
This version is very much a race-orientated product. That means that whilst is specially designed for road racing, it is not particularly well suited for everyday use especially in dirty or dusty conditions. It should provide a finish that really minimizes friction and helps your bike to squeeze every last ounce of power from the engine and transfer it seamlessly to the wheel though.
It sprays on with a very cloudy, "milky" style of application. This will disappear as it dries don't worry – it won't look like you've used milkshake for lube! But that does make it easier to apply, as you can see exactly where the lube has been applied to the chain. It is also great to see that this product is compatible with a wide range of chain types including O, X and Z-ring types.
Specially Designed for Road Racing
Compatible with all Chain Types
"Milky" Formula
- BrandMotul
- ModelTRTC7243
- Weight11.2 ounces
Lucas Oil 10393 Chain Lube
The next product to make our list is this chain lube from Lucas Oil. Whilst some poorly designed chain lubes can struggle to properly penetrate O and X ring styles of chain, there is no danger of that with this product.
That is because Lucas Oil have designed this lube with penetration as the number one consideration. To help in this, it is a foam style of lube. That has a couple of advantages. The first is that the foam makes it easy to apply, as it will spread out to cover a wider surface area. The foaming action will also add extra impetus to the lube, forcing it into the chain links.
On the downside it does mean it can be a little messy to apply! Certainly put some rags or paper towels down and perhaps work outside on the driveway or road. Once applied it is designed to dry to leave a protective film. This protects against dirt, water corrosion, general wear and drag.
Designed for Deep Penetration
Foam Style Formula
Develops Strong Protective Film
Works with a Range of Chain Types
- BrandLucas Oil
- Model10393
- Weight14.7 ounces
Bel-Ray Super Clean Chain Lube
Bel-Ray is the manufacturer of the next product to make our list here. Whilst some chain lubes we look at are clearly designed for racing and performance enhancement, this is not the case with this product.
That is not to say it cannot enhance the performance of your bike of course! It certainly can, but that is not the primary function or key feature of this lube. Instead it has been designed to provide a very high degree of water and especially dirt protection. The coating this lube leaves behind is specially formulated to protect against dirt, grit and sand. If you ride in dirty conditions therefore, be they urban or off road, you should certainly take a good look at this product!
This product is designed to dry to leave a super tough and highly protective outer lining. This will cover the chain and protect against dirt accumulation. It is also anti-fling, so it will stay right where it needs to. It is suitable for use on all chain types too, making it a durable, effective lube with a huge range of suitable applications.
Excellent Anti-Wear Protection
High Level Dirt Protection
Suitable for Chain Styles
Made In The USA
- BrandBel-Ray
- Model99470-A400W
- Weight14.4 ounces
DuPont Teflon Multi-Use Lubricant
Please say hello to DuPont ladies and gentlemen, coming back to make their second appearance on the list. Just like the previous product this is a high-end formulation that includes Teflon in the mix.
Unlike the previous product this is not a specific motorcycle lubricant. Fair warning, some people don't like to spray a general-purpose lube on the chain of their hog and that is absolutely fine, no judgment here. Other people though will recognize the benefits of a multi-use lubricant. For one thing, if you have a lot of applications for a Lube (we're talking motorcycle, lawnmower, mountain bike and gate or garage door mechanisms – to name just a few) then you can save a few bucks by picking up a product that works on all of them.
The other good news is that not only will this product work on all of those applications, it will do a damn fine job on all of them too. As we saw previously DuPont have a great rep for making high-end lubricants. That's true here with this Teflon enhanced product designed to promote water protection, protect against corrosion, moisture and provide long-term lubrication.
Enhanced with Teflon
Corrosive Resistant Additives
Highly Water Resistant
Wide Range of Applications
- BrandDuPont
- ModelDM0614661
Liquid Wrench L711 Chain & Cable Lube
Like a boy in Senior High the next product we present for your consideration is all about the penetration! By that we don't mean it's trying to cover up its horrific acne whilst awkwardly learning to drive stick. No, we mean that its manufacturer has specially formulated it to provide deep penetration on your bike chain.
It does this by only drying once it has entered and drenched the interior of the chain links (particularly useful with O and X ring styles of chain). Once it has penetrated and dried, it also provides a lot of useful secondary functions. It prevents oxidation for example, which can really help to prolong component life. It has also been dosed with anti-wear additives and synthetic moly for a high-end performance level.
Lubrication levels are high too, again designed to help minimize wear and tear on the chain. Once dried, this chain lubricant will stay exactly where it needs to thanks to the fact it is designed to be an anti-sling lube. True to the product name it is a little more liquid than some other lubes on the market. That can make it a little messier to apply.
Only Dries After Penetration
High End Lubrication Effect
Anti-Sling Formula
Anti Corrosion
- BrandLiquid Wrench
- ModelL711
- Weight14.4 ounces
Motul M/C Care Chain Paste
As promised, this is the second Motul Chain lube to make our list. However, what we didn't say was that this was a paste lube. Don't accuse us of not keeping you on your toes here at Carbibles!
The truth is this is actually the only paste style of lube that has made our list. This is because, and we'll get into this below, paste lube is something of a specialized product and not something that the majority of bikers may be interested in – again, more on that in our buying guide below.
If you are on the lookout for a paste style product though this is probably the best chain lube in that category on the market. For one thing it is a Motul chain lube, so you know you're getting quality here. There is the fact it lubricates and protects, just as you would expect. There is the low rolling resistance for increased power.
Then there is the fact that, unlike many other paste lubes, this one is easy to apply. Yes there will be some fling (only natural with a paste) but the built in brush applicator and the fact the product is white for easier visibility keeps mess and waste to a minimum.
Paste Based Product
Low Rolling Resistance
Built in Brush Applicator
White Color for Easy Application
- BrandMotul
- Model102984
- Weight6.4 ounces
nextzett Ultra Gel Chain Grease
We'll finish our list with this product from Nextzett who clearly invented their company name by writing Next and then hammering the keys at random. Whilst they may not be great at company names they are pretty good at chain lube and this product has a number of impressive features.
For example this chain grease has a huge range of applications, and is certainly not limited to bike chains only. It also has an excellent operating temperature range, spanning -40 to +430 degrees Fahrenheit. It is designed for easy application too. It initially sprays as a liquid but essentially coagulates in air to become a thicker, gel like lubricant. This helps it to penetrate the chain and reduce flinging after drying.
It is also water and dirt resistant, making it suitable for use in a wide range of applications and driving environments/weathers. It's also toward the cheap end of the price range, though the can itself is a little smaller than some others we looked at.
We may have saved it till last but it is making a strong case for best motorcycle chain lube on the market!
High Operating Temperature
Resists Dust and Water
Resin and Acid Free
- Brandnextzett
- Model96050515
- Weight10.4 ounces
Best Motorcycle Chain Lube Buying Guide
In our buying guide, we'll take you through the features that you should keep an eye out for when picking out the best motorbike chain lube for you. After that, we'll take a look at how best to use your brand spanking new lube and answer some of the most frequently asked questions about this essential product.
What Makes a Good Motorcycle Chain Lube?
- Ease of Application
For us this is a big one. If the lube is pain in the backside to apply then you won't be bothered to do it enough for it to be effective. Look for lubes that are easy to apply, or ones that do the work themselves by being formulated to penetrate deep into the chain links.
- Water Resistant
This is especially important, it should go without saying, if you live and ride somewhere with high rainfall. A lube that is water resistant will both protect the chain from water damage and will also remain on the chain even if it gets soaked. That cuts down on the times you have to reapply the lube, leaving you to do more fun thing like just about anything really.
- Dust Resistant
Like above but for dust. If you ride in very dry conditions look for a lube that is dust resistant. It will help to prevent dust sticking in the lube and getting gummy. Gummy lube is good for no one, unless it's strawberry flavor in which case your wife may appreciate it. Gummy lube on a chain just means you have to clean it all off and reapply the lube. Avoid if possible.
- Anti Fling Formula
So you've applied your lube just like it says on the can. You want to try that bad boy out so you hop on your hog and roar off down the road! In the mirror though it looks like a small jet ski has been tethered to the back of the bike. That is actually all the chain lube you just carefully applied being flung straight off the chain. Avoid that with an anti fling formula that is designed to dry and keep the lube exactly where it is needed – on the chain and not splattered across the road.
Benefits of Lubing Your Motorcycle's Chain
So what is point of investing in chain lubricant? Why not just rub the chain with a stick of butter?
Well there is a range of useful benefits to using a bespoke motorcycle chain lube. For us, some of the bigger ones are:
- Dirt Protection
That chain gets pretty dirty. Think about it, it is whizzing around inches from the dusty, dirty blacktop. When it rains water and oil is splashing up from the road surface and if you go off road mud and dirt and gravel is pinging up at the chain too. That is all round bad news but a lubricant with dirt resistant properties will protect from the worst of it.
- Performance Enhancement
Kind of connected to the point above in some ways, as a clean chain will be a chain that delivers great performance. Lubrication can also help by ensuring a smooth movement of the chain over the cog, minimizing friction and driving superior performance.
- Water / Corrosion Resistance
Replacing the chain can be a pain in the butt, and a broken chain when out riding even more so. One of the biggest threats to the lifespan of the chain is water damage such as corrosion. A good chain lube can form a protective barrier to stave off corrosion and water damage.
Types of Lubes
There are various formulations of chain lube out there. But for us, whilst there can be differences in the design features of each one (see above section), when you talk about lube types it really comes down to Paste and Spray.
Spray vs. Paste
The fact that even though our product list has 10 lube products on it we only found room for just the one paste option should give you a big clue as to which one is the most popular.
Spoiler alert, it's the Spray.
Back in the day Paste was recognized as being the better product. It was highly concentrated and boasted formulas designed for deep penetration of the chain. In the modern era of bike maintenance though spray lube has very much closed the gap, and it is now just as powerful and effective as paste.
You will always find devotees of paste lube who will insist that it clearly the best motorcycle chain lube option. For us though the ease of application when it comes to spray lubes simply tips them ahead as the better option.
Looking at the sales figures, most bikers agree with us.
Best Motorcycle Chain Lube FAQ:
Q: What is motorcycle chain lube?
A: Put very simply, chain lube is designed to provide lubrication for the chain of your motorcycle. Simple, huh? Well, yes and no. Yes it is simple when put like that but there is so much more to it too.
As we saw, there are a range of benefits to using a bespoke and high quality chain lube. So what is motorcycle chain lube? It is a product to lubricate and protect the chain, to prolong its lifespan and also to increase the performance of your bike.
Q: How do I apply motorcycle chain lube?
A: Motorcycle chain lube is very easy to apply, especially when in liquid aerosol form. Simply ensure your chain is as clean as possible. Then apply a squirt of lube onto the chain. Some people like to remove their chain before spraying but this is not always necessary so long as you can raise the bike. This will help you to spin the rear wheel manually to help spread the lubricant up and down the chain.
Q: How often should I use lube on my motorcycle chain?
A: Some people will say you should lube the chain after every ride. Whilst that will of course ensure a very high degree of performance… come on, really, who has time to do that, huh?
As a rule of thumb, so long as you are lubing up every 300 miles or so and ensuring the chain is clean of dust and debris you should be fine.
Q: Can I use engine oil as chain lube?
A: In a pinch engine oil can be a useful substitute for dedicated chain lube products. It will dissolve dirt and grime, and it will leave behind a greasy coating that can help lubricate the chain and promote efficient chain movement.
What it can't do is to protect against water or dust, as engine oil is simply does not come into contact with external containments like that. For that reason it's not formulated to protect against them. You will therefore find that motorcycle chain lubed with engine oil is more likely to lose that lubrication in wet riding conditions or get gummed up with dust or dirt.
That's why we suggest going for a dedicated chain lube product.
Our Top Pick
That right there, if we do say so ourselves, is a very good list of top quality motorcycle chain lubes. But whilst they are all without question top quality products, which is the best chain lube on the list?
Weighing up all the options we just have to go for the Dupont Teflon Chain Saver Lubricant. As we mentioned it is already one of the most popular products on the market when it comes to chain lube and this time, in our opinion, the majority of people have got this right.
The formulation, including Moly and Teflon, is the big winner. Not only is it water and dirt resistant to a very high degree it is also tough and long lasting. Add to this the fact it is easy to apply and that the price tag is surprisingly low for such a premium product and you can see why this is the clear winner.
- How to Maintain a Motorbike - wikiHow
- Lubricants - explainthatstuff