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Hello again, loyal readers. I'd like to start out by apologizing from my long absence from the Aardvark Dig. Foolishly, I strayed from the path of my assigned activity and thought that I could pursue interests other than the area I am most productive in, which is analyzing literature. As any good OES student can tell you, productivity is all, and learning is all. Thank you to Kara Tambellini, Oracle of Truth, for opening my eyes to my need to return to the Dig.
Secondly, I am required to tell you that, in the past, some of my articles have contained misinformation. I assure you that discipline has occurred and I will no longer mislead my fellow students. I want to extend my apologies for my weak mind and disdainful heart, and from now on I promise to provide only Truth.
Today I'll be helping out any juniors who are planning to take Shakespeare in the World next year, summarizing Othello and providing some of my own commentary for those students whose designation is outside of the English department. I must remind you that this information is by no means intended as a substitution for reading the actual play. The Aardvark Dig does not condone use of Sparknotes, Cliffsnotes, or other learning aids.
So. Um. Act I, scene i. Venice.
We open with two men causing a ruckus in the street outside the house of a Venetian Senator, Brabantio. Their names are Roderigo and Iago, and we know them to be villains because they are causing a ruckus in the street. Productive individuals do not disturb the peace. Roderigo is a foolish nobleman who has been trying to marry Brabantio's daughter, Desdemona, for some time, but has failed because he was not a good student in high school. Iago is a petty officer in the Venetian army, and has been snubbed for a promotion by his commanding officer, due to being an unproductive member of his community. The pair are trying to sabotage Othello's marriage to Desdemona, purportedly because Othello is black, Desdemona is white, and this is 15th century Venice, but it's actually because they are jealous of what a responsible and respectful individual Othello is. Unfortunately, Brabantio falls for the ruse and sends out a band of men to find Othello.
Act I, scene ii. Also Venice.
Iago rushes to Othello's side like any parasite on the skin of a great man and warns him that Brabantio's men are coming to get him. Othello refuses to escalate the situation, despite Iago's efforts to start a fight, and has actually already been summoned to the Venetian court, due to being the best general their army has.
Act I, scene iii. The Duke's court.
Othello argues effectively against the court in favor of his marriage to the productive and respectful Desdemona, and wins the Duke's favor, because the productive always prevail! The war is due to start again, but Desdemona is allowed to accompany Othello to Cyprus and Brabantio's efforts to annul the marriage fail, though he does disown Desdemona.
Act II, scene i. Cyprus.
Everyone arrives safely in Cyprus with no knowledge of any parasitic plot to ruin the established order of the military. Iago convinces Roderigo to come along in disguise; his plan is to use the man in his own schemes, but says that he is willing to help him, lying as only those of weak minds and disdainful hearts will do. He also notes that Cassio, Othello's second in command, is friendly with Desdemona, and vows to use this to his advantage.
Act II, scene iii. The Watchtowers in Cyprus.
Iago manipulates Cassio into a drunken brawl with Roderigo in order to get him demoted by Othello and put him in hot water in general. This is the first seed of distrust that Iago plants in Othello's mind; it's all downhill from here. Iago promises that, if Cassio pleads his case to Desdemona, he will get back into Othello's good graces, and gain back his rank.
Act III, scene iii. (scenes i-ii redacted due to misinformation). Cyprus.
I'm sorry for the break between scenes. Nothing important happened. I do not write lies. I will not write lies.
Cassio takes Iago's advice and presents his case to Desdemona. Othello enters with Iago, and Iago makes subtle comments about how close Cassio and Desdemona seem to be. Desdemona promptly tries to get Othello to give Cassio a break and reinstate him as Lieutenant. Othello is hesitant to do, because he is a Good man and will not allow leg-ups or hand-outs in his army.
Desdemona later drops her handkerchief, and Emilia picks it up with the intention of giving it to Iago, who has always wanted it. It is unclear whether Emilia knows whether this is for a plot of not.
Iago continues to plant seeds of discord in Othello's mind. Othello, unfortunately, falls for it, thinking that his wife is no longer faithful to him, and promotes Iago to Lieutenant. Such is the lot of the Responsible Student who listens to the Parasite.
Act IV, scene i. Cyprus.
I do not remember act III, scene iv. I am sorry.
Iago manipulates the situation so that Othello hears Cassio talking about his mistress, but thinks that he is talking about Desdemonahelpme. This is the nail in Cassio's coffin, as far as Othello is concerned.
Act IV, scene ii. Cyprus.
Othello asks Emilia to rat out Desdemona's bad behavior, but, as Desdemona is an innocent woman, Emilia has nothing to say. Emilia does not tell lies. I do not either. Othello, manipulated by parasites, screams and weeps at the innocent Desdemona. Once he leaves, Desdemona asks Emilia to lay out her wedding sheets on the bed, sure that, by the time the night is over, she will be dead, murdered by her husband. Iago enters and Desdemona asks him how Othello could treat her this way; he comforts her like the liar that he is.
Roderigo enters once the women have left, and threatens Iago, as he has done everything that Iago has asked, and gained nothing. Iago excuses way everything and convinces Roderigo to murder Cassio.
Act IV, scene iii. Desdemona's Bedchamber.
I'm so tired. Please don't make me write any more. Please.
Othello is cruel to Desdemona at dinner and sends her to bed, where she becomes certain that tonight, she will die. I'M SORRY I ALREADY SAID THAT I'M SORRY IT WAS A MISTAKE NOT A LIE
Act V, scene i. The Streets of Cyprus.
Cassio is ambushed by Roderigo and Iago. Roderigo wounds Cassio, and Iago kills Roderigo. Betrayal is the lot of the foolish and the weak.
Act V, scene ii. Desdemona's Bedchamber.
Othello smothers Desdemona. Emilia interrupts and is horrified, but reveals Iago's plot and the fact that Desdemona was innocent. Iago stabs Emilia, but is caught and will be brought to justice. Cassio is okay. Othello commits suicide. The racist order of Venice is restored, with all of the senators' biases confirmed by Othello's actions.
And that's all! Good luck in Shakespeare next year, guys, it's a really fun class with a lot of great material to dig your teeth into. Please remember that the Aardvark Dig does not condone cheating or use of learning aids. Read the play. Read the play. Read the play.
Let it be known by all who read this that the Aardvark Dig is a corrupt institution. I have been trapped in room 80 for five days, surviving on nothing but Sophomore essays and staples. Kara has insisted on eight rewrites. I will not survive the publishing of this article, but I have friends among the editors so maybe, just maybe, you will find this paragraph intact. Please, if you read this, know that the light is coming. I cannot be saved, but there is hope for you.


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The Iowa Democratic Party invited all 19 presidential candidates who spoke on Sunday to select the music they wanted played when they took the stage.
Well, we got one out of 19 and it is a great song in my opinion.
Rep. Tulsi Gabbard (D-Hawaii): Ain't No Mountain High Enough, by Tammi Terrell and Marvin Gaye.
This song nicely represents the spirit behind something that Tulsi regularly says at her town halls, said Gabbard spokesman Cullen Tiernan, adding this quote from the congresswoman: The road ahead will not be easy. But I know that when we stand united, by our love for the American people and our country, there is no obstacle we cannot overcome. There is no battle we cannot win.
How about that? Good choice in my opinion. Fingers crossed.

subset: commoncrawl


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GLC Course Descriptions
Level 1
Certificate of Personal Discipleship - The Certificate of Membership program aims to establish new believers in the Christian faith. The eight (8) courses in this level are designed to build a strong biblical foundation in students by presenting the nature of salvation, sanctification and the disciplines of the Christian life. intends to usher in new believers to the Body of Christ through water baptism and membership in CCF. In becoming a member, they commit themselves to take part in the ministry of the church through the small group.
Biblical Foundation 1 This course is a study of the nature of salvation. It will provide a clear understanding of God's plan of salvation for man and explain what being "born again" really means. Focus is made on concepts such as faith and repentance, Jesus as the only way to heaven, heaven and hell, and life after death.
Biblical Foundation 2 This course covers further study on the doctrine of salvation. Assurance of salvation, awareness of Satan's schemes and an evaluation of one's spiritual life are the areas of focus in this course. The goal is to enable participants to gain an understanding of the crucial significance of God's salvation plan and the eternal security they have in putting their faith in Christ alone.
Baptism This course explores the nature and function of baptism in the Christian life. Baptism is a required ordinance performed on new believers as a symbol of his/her belonging to the Body of Christ. The session includes an explanation of water baptism (baptism by immersion) and an actual baptism rite follows which is voluntary on the part of the participants.
Membership Class Course This class primarily aims to orient participants with an overview on the distinctives of Christ's Commission Fellowship (CCF) as a church. This includes an explanation of the church's Statement of Faith; Purpose Statement; Strategy; Core Values; Mission and Vision. It includes an invitation to formalize one's membership in CCF with an explanation of what it means to be a member. The benefits of belonging to a small discipleship group are likewise discussed.
Holy Spirit This series of lessons aims to provide participants with a right perspective of the Holy Spirit with emphasis on His vital role in the life of every believer. Key concepts to be covered include: the Holy Spirit's relationship with the believer, His empowerment in the believer's life and the spiritual fruits and gifts every believer receives upon coming to faith in Christ.
Spiritual Disciplines The focus of this course is the development of four basic habits every Christian needs in order to grow to spiritual maturity. These basic spiritual disciplines are as follows: QUIET TIME (Scheduling Time with God); PRAYER (Talking with God); WORSHIP (Offering yourself to God); and FELLOWSHIP (Enjoying the family of God).
Evangelism This training course is designed to provide a tool for participants to actively engage in sharing the Gospel. It gives an overview on the biblical foundations of evangelism which covers its fundamental aspects. This course also includes suggestions on how to cultivate an eternal relationship (friendship evangelism); offers follow-up steps to sharing; and use of a spiritual assessment tool to assess potential converts.
Galatians An extensive chapter-by-chapter study on Paul's letter to Galatians. It focuses on introductory issues, historical background, content and themes. It aims to help participants gain an understanding on the definition of the Gospel; the dynamics between faith and law and a believer's new life in Christ.
Level 2
Certificate of Group Discipleship - The Certificate of Personal Discipleship program is designed to develop and build students as positive witnesses for Christ. The six (6) courses aim to focus on building Christ-like character among Dgroup members by equipping them with the right doctrine, right habits and right behavior.
CCF DNA (Vision and Values) This course teaches the vision and values of Christ's Commission Fellowship. Detailed attention will be given to the meaning and implication of each core value as defined in the acrostic S.E.R.V.A.N.T.S. The church's mission-vision of making committed followers of Christ will also be fully examined with the objective of challenging students to play an active role in its fulfillment. This challenge will be tied up with CCF's Leadership Development Program and its objectives and goals.
Personal Development To make disciples, one needs to be a disciple first. This course considers the importance of faith and character in making disciples and addresses issues involved in the development of a believer's spiritual, physical, mental, relational and emotional health.
Family Life This course examines the essential principles on developing and maintaining a healthy family life. It provides an understanding of the dynamics of family relationships and an exploration of the various challenges that confront Christian families. Marriage, parenting and singleness on a Christian perspective will be discussed.
Basic Doctrines An examination of six basic doctrines of the Christian faith. These are the doctrines of the Bible; the Trinity; Deity of Jesus Christ; Sin; Salvation; and the Church. Related issues that commonly confront Christians will be addressed.
Bible Survey (Old and New Testament) This course presents an extensive chronological overview of the Bible from Genesis to Revelation. It provides students with a working knowledge of the 66 books while focusing on the theme of God's redemptive history through a review of the contribution of each book in God's unfolding plan of redemption.
Making Disciples 1 (Personal Evangelism and Follow-up) The nurturing, training and equipping of new believers must follow the initial efforts of evangelism. This course is designed for believers to understand their calling to Christ-likeness in character and mission. It aims to answer questions on who is a disciple, what are the elements involved in disciple-making, what is the cost of discipleship and how to make disciples. It is hoped that upon completion of this course, believers will actively engage in personal disciplemaking.
Level 3
Certificate of Group Discipleship - The Certificate of Group Discipleship program aims to develop and produce effective Dgroup leaders. The six (6) courses are designed to sharpen ministry competence in students in the areas of interpreting and defending the Scriptures; starting and leading a small group; and overcoming and conquering spiritual strongholds.
Spiritual Warfare (Essentials of Spiritual Warfare) This course provides a biblical overview and balanced understanding of the spiritual world as it relates to the material world. Spiritual warfare will be given emphasis on this class. It is designed to equip believers on how to put biblical truth into action and how to gain victory over personal battles, evil, and the world.
Making Disciples 2 (Small Group Discipleship)Discipleship is best achieved in small groups. This course will explore essential principles and method for starting and leading a healthy small group. It will take a look at the benefits of small group discipleship, the process involved in forming a group and what happens in a Dgroup meeting.
Making Disciples 3 (Effective Disciplemaking Skills) This course is designed to equip students with critical skills needed for effective discipling. It explores how to handle group dynamics by acquiring facilitation skills for small group settings. Essential basic principles and methods of helping others mature spiritually through counseling, mentoring, and motivating are to be discussed.
Bible Interpretation 1 An intensive course that seeks to impart skills on how to study the Bible systematically with emphasis on observation, interpretation and personal application to life and ministry. Students are expected to practice acquired hermeneutical skills in other Scriptural passages
Bible Apologetics 1 This course examines and evaluates the religious climate of The Philippines in light of what the Bible teaches.
Leadership 1 An introduction to the dynamics of leadership with focus on the biblical understanding of leadership. This includes an explanation of the need for leaders, the biblical definition and foundation of leadership; the heart of a leader; the character of a leader and the training needed for the development of an effective Christian leader
Level 4
Certificate of Leadership - The Certificate of Leadership program is designed to develop and produce D12 leaders who can manage and multiply discipleship groups. It aims to further improve the qualifications and skills of Dgroup leaders who will disciple leaders of small groups. The six (6) courses in this level intend to develop lay leadership and competence in Bible communication in students.
Leadership 2 (Team Leadership in a Movement Context) This class gives an overview of effective team leadership in the context of spiritual movements. Team leadership is essential for a leader as he leads other leaders. Managing groups, decision-making, vision-casting, and overcoming team dysfunctions are major areas a leader needs to deal with in order to move the group towards a common God-given goal. Other related topics include an examination of various leadership models as well as leadership styles that will help students become more effective leaders.
Christian Ethics (Winsome Christianity at Home, Work and Society) This course is designed to understand some current practical issues (e.g., taxation, politics, justice, work, civil rights, etc.) which involve Christians, especially in the workplace, on a daily basis. Why and how should Christians respond appropriately to these issues and become a winsome witness for Christ will be tackled. There will also be a discussion on some important biblical principles and guidelines that will help students to decide on critical issues in a Christian way.
Bible Interpretation 2 (Biblical Hermeneutics and Basic Bible Exposition) An intensive course study on Biblical Hermeneutics and Basic Bible Exposition. This course will build upon Biblical Interpretation 1 and will be focused on essential principles for accurate interpretation and application. Skills for exegesis and exposition will be developed and applied. The study will also involve an exegetical study of 1Timothy where learned principles will be applied in the exposition of the entire letter.
Leadership 3 (Managing Conflict) This course is designed to provide a biblical understanding of conflict, orientation to styles of conflict management and resolution, and identification of proper negotiation principles and approaches for properly handling conflict at different levels.
Effective Communication (Devotions, Teaching and Preaching) This course seeks to develop the student's effectiveness as a Bible expositor and communicator in various contexts and settings. Focus will be given on message preparation and delivery. It includes an examination of various teaching and/or preaching principles and understanding some methods and styles of communication. These are to be applied to ministry skills such as leading small groups and public speaking/preaching. Students will be required to develop a devotional talk, a teaching outline, and a message. Emphasis is on practical application.
Introduction to Church Planting and World Missions (Discipleship Movement into Church Planting) An introduction to CCF church planting and world missions, it provides a general overview of the D12 strategy as it transitions into church dynamics. The principles and practices in Christian missions, the biblical basis of missions, the missionary call, the missionary life and work, and the mission program of the church will be discussed. It is a theoretical and practical study of ways and methods to implement the Great Commission at home and community with special emphasis on planting and establishing churches in the local (regional and national) and international setting.
Level 5
Certificate of Pastoral Leadership - The Certificate of Pastoral Leadership program intends to provide lay leaders with essential training for specialized study in the following fields: pastorate, campus ministry, workplace ministry, missions, or church planting. It offers solid biblical and theological studies integrated with practical ministry skills and strategies for effective leadership in a local church and international community.


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- Home
- Cruises
- Holland America Line
- Western Caribbean Cruise
$549per person*
Additional government taxes, fees and port expenses per person: $171 - $179
View available dates
and prices
Caribbean and Bahamas
Western Caribbean Cruise
7-night Nieuw Amsterdam cruise
Experience the Caribbean as only Holland America Line can deliver. Travel on a Caribbean cruise with fewer guests aboard the elegant, mid-sized ships and discover picturesque destinations. Relax in spacious comfort, surrounded by fresh flowers and museum-quality art. Sample an amazing array of enriching onboard activities and artfully crafted Caribbean shore excursions — from snorkeling to parasailing to horseback riding on the beach. Then explore their private island, Half Moon Cay, for a blissful island experience unlike any other. Savor it all while indulging in exquisite onboard cuisine and the unparalleled personal attention of the gracious crew. This is paradise at an unprecedented value.
- Member Exclusive: Costco Shop Card with every Holland America Line sailing†
- Executive Members earn an annual 2% Reward on Costco Travel purchases
Onboard the Nieuw Amsterdam
The second Signature-class ship, Nieuw Amsterdam celebrates the glamour and history of New York City with its inspired interior design and art collection throughout the ship ranging from antiques by traditional Dutch masters to creations by renowned contemporary artists including Andy Warhol, Richard Estes and Roy Lichtenstein. Nieuw Amsterdam guests enjoy dazzling entertainment options from their very first night on board. While cruising, experience onboard cooking shows and hands-on workshops or head out on deck to enjoy the two outdoor pools, basketball or volleyball courts.
Nieuw Amsterdam
Year Built: 2010
Costco Member Rating: 4.4/5 1204 RatingsLearn More
Available Travel Dates
*Price shown is per person based on double occupancy, is valid for select stateroom categories only, and does not include government taxes/fees and gratuities. Click on Terms and Conditions link below for details.
†The exact amount of the Costco Shop Card will be calculated during the booking process. Click on the Terms & Conditions link below for additional information.
Ship's registry: The Netherlands
Terms and Conditions


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Gotta believe: open distribution of knowledge to all
5 January, 2012
File-sharing is a religious ceremony according to the church leader
A "church" whose central tenet is the right to file-share has been formally recognised by the Swedish government.
The Church of Kopimism claims that "kopyacting" – sharing information through copying – is akin to a religious service.
The "spiritual leader" of the church said recognition was a "large step".
But others were less enthusiastic and said the church would do little to halt the global crackdown on piracy.
It doesn't mean illegal file-sharing will become legal, any more than if 'Jedi' was recognised as a religion everyone would be walking around with light sabres"
The Swedish government agency Kammarkollegiet finally registered the Church of Kopimism as a religious organisation shortly before Christmas, the group said.
"We had to apply three times," said Gustav Nipe, chairman of the organisation.
The church, which holds CTRL+C and CTRL+V (shortcuts for copy and paste) as sacred symbols, does not directly promote illegal file sharing, focusing instead on the open distribution of knowledge to all.


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Squirrels won't step into your traps without bait, and if you don't bait your squirrel traps right, you will never get rid of your overhead rodent infestation. Here are eight simple rules for success in catching squirrels by using the right bait in the right way.
#1 Never touch squirrel bait with bare hands
Squirrels have a superb sense of smell. They can detect minute traces of your pheromones in sweat transferred from your fingers to their food. Always wear gloves when handling the bait you put in your squirrel trap. The kinds of latex gloves used in medical procedures or rubber gloves you use for household chores will do.
#2 If the squirrel is stealing birdseed, use birdseed as the bait
This rule also applies to nuts and fruit squirrels raid from your yard and garden. Use foods you know the squirrel finds attractive. And remember, what appeals to you doesn't necessarily appeal to the squirrel. Bacon and cheese may work in mouse traps, but they aren't very useful for trapping squirrels. If the squirrel has been raiding your fruit trees or garden, offer these treats before you take anything from your pantry. Bait should be solid, not liquid. Peanuts and tree nuts (out of the shell) are ideal. However, sticky liquids can be used to make the squirrel work to get the bait. To learn more read this post What Is the Best Squirrel Bait?
#3 Make the squirrel work to get the bait
Traps are activated by a pressure plate. The more pressure the squirrel has to put on the plate, the more likely it is to get trapped. Mix the bait with molasses, peanut butter, syrup, or jam to force the squirrel to place more of its weight on the trigger.
Or place the bait in a segment of PVC pipe you attach to the top of the trap above the pressure plate. The squirrel will step on the plate to get to the bait.
#4 Make the squirrel an offer it cannot refuse
Bait that is so large that it cannot be dragged out of the trap forces the squirrel to stay inside and eat. A popcorn ball studded with peanuts, for example, will entice the squirrel inside to activate the pressure plate.
#5 Remember that different traps require bait in different places
If you are using a one-door trap, place the bait at the back of the trap, past the pressure plate. Don't use so much bait that the squirrel could get a free meal without entering the trap. Place the bait away from the walls of the trap.
If you are using a two-door trap, place the bait in the middle of the trap. You can place the bait on top of the pressure plate, or in the ground directly beneath the pressure plate. Again, don't use so much bait that the squirrel can get a fast meal without activating the pressure bar. And no matter what kind of trap you use, don't place bait so that it keeps the pressure plate from activating.
#6 Anchor your squirrel trap
Place a stone or a brick on top of the trap or anchor the bottom of the trap so the squirrel cannot turn it over.
#7 Offer freebies before you set the trigger
Let the squirrel take the bait from your trap for a few days without getting caught. Leave bait in the trap, but don't activate the pressure plate. This allows the squirrel to let its guard down for easier capture that is much less traumatic to the squirrel.
#8 Make a happy trail to the trap
Leave a trail of nuts or seeds that lead to the trap door, but not so many that the squirrel won't go into the trap.
Choosing the right bait and putting it in the right place in your trap is critical to your trapping success. If you follow these simple rules, however, you should capture your well-fed squirrel alive and healthy in 24 hours or less.


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Once upon a time, we wanted to use Test Driven Development (TDD) on a small ERP delivery project. This would reduce documentation by 70% and lead to a time saving of upto 40%. We were very excited.
We ran the familiarisation workshops. Explained how the method will be different - to the customer and to our own development teams. Got everyone's concurrence. And then we started with a small project in pilot.
Except, it didnt take off. But that experience taught me something really important about adoption of Agile in ERP projects. The missing link was simply this - because ERP (even small ERP deliveries) are huge, we were not able to visualise the end product. That is why we could not start with Test Driven Development.
Once we had the Root Cause Analysis, it was relatively easy. For the next application, I sat and visualised the ENTIRE application - all user types, with all their screens, and behavior of each button.
We didn't have the luxury of standard screens that most ERP customers have - they know the standard screen buttons available to them and know what they look like. We had to visualise the entire application from scratch.
But here is the important thing - once the wireframing was done, it was much easier to do Test Cases. We simply knew what to expect!
So here's the recommendation - when we try to do TDD, especially on non traditional areas like ERP, spend some time and expense on a soft skills trainer - and do a visualisation, wireframing workshop. For the business owner and users. If they can visualise what they want, the rest of the exercise becomes much easier. Today, I find Visualisation to be a really powerful element in application design.
And visualisation is a specialised skill. Usually, it needs to be learnt.


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It's been quite a year for construction. This month we're taking a brief look at some of the momentous events that have arisen in the past 12 months and their impact on the industry. We also take a guess at what we might expect to see in 2019.
Carillion & Retentions
The year got off to a bumpy start with the collapse of the government contractor, Carillion. The former Tarmac business had morphed into a creature many said was out of control. It became the biggest ever trading liquidation in the country. The collapse threw the spotlight onto many issues, not least that of retentions.
Which brings us to prediction number one:
It seems very likely that the government will do something about retention payments in construction. There's now a substantial number of MPs who back the private members' bill supported by BESA to put an end to retentions. You can find out more about the bill in our video from the seminar we held in Manchester.
Smash and Grab
As the year progressed, we came to the first major bit of case law in the courts. It seemed that at last, the days of the 'smash and grab' adjudication were over. If you missed it, check Bill Bordill's article which explains what this is all about. The courts have now confirmed that the rules have changed. Take care if you're used to working with adjudication as a method of dispute resolution.
This brings us to our second prediction:
On the back of the decision around adjudications, it seems likely there may be a legislative change. We'd anticipate clarification on what is acceptable, and what isn't, in this complex area.
In October we came to another significant change. Tom Francis wrote about the alteration of the rules relating to 'concurrent delay'. It has been confirmed that you can write into your contract how to manage concurrent delay. To an extent, it appears this contradicts the 'prevention principle'. That's the rule in common law preventing someone from profiting from their own malfeasance. We warned clients to take care to check your contracts don't contain anything which might put you at risk.
What Next?
So what does 2019 hold for construction beyond the points already discussed?
We probably ought to mention the elephant in the room: Brexit continues to rumble on. At the time of writing, Mrs May has held on to her job for the foreseeable (although the foreseeable doesn't seem to be very long!). Who knows where it will all end, but we expect the world will continue to turn after March 2019! One of the biggest concerns for construction must surely be skills and labour. It seems unlikely that the taps of immigration will be turned off so firmly that we'll stop building.
In the wake of last year's Grenfell disaster, we also note that a new regulation regarding flammable products on buildings is due to come into force on 21 December. Thanks to ClarksLegal for highlighting this. Any building over 18 metres high after that date cannot have combustible materials fitted. The new rules won't apply to existing structures.
Other than that, we're sure to see a number of interesting rulings in the courts as the year progresses. Be sure to follow us on LinkedIn and Twitter, and subscribe to our mailing list for regular updates.
Thanks for reading, and Merry Christmas and best wishes for a prosperous and happy new year.


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Welcome to the Enterprise Infrastructure Solutions (EIS) Fair Opportunity and Ordering Guide (FOOG) training course.
The purpose of this course is to review the Fair Opportunity process as prescribed by the FAR to EIS Task Order solicitations. The course consists of four modules and a final quiz. Each module contains a short knowledge check to test your understanding. The optional comprehensive final quiz is provided for those who wish to obtain a certificate of completion and earn two Continuous Learning Point (CLP) credits.
Click on any of the links below to begin. Click on the 'Next' or 'Previous' buttons within the modules to move throughout the screens.
If you have any problems completing the course, please contact EIS Transition Coordination Center Training at email@example.com
Module 1 – Fair Opportunity and Ordering Overview
Module 2 – Acquisition Planning Phase
Module 3 – Acquisition Decision and Task Order Award Phase
Module 4 – Administration Phase
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The demand for cancer care insurance policy in India is in rise and there is a valid point too. Recently Birla SunLife Insurance has launched a new plan called BSLI Cancer Shield Plan to provide special benefit to secure your financials to fight with the deadly disease Cancer. The tagline they shared is life shouldn't stop for cancer, which is 100% true and they are right now highest Sum Assured cancer insurance in India.
In this article I will share all the key features of BSLI Cancer Shield Plan and also explain how one can use the benefits to get assisted in tough time of life. This plan will cover Early Stage of Cancer and Major Stage of Cancer as well.
Key Features of Birla Sunlife Cancer Shield Plan
This plan is designed such a way that one can get benefit of treating cancer from the early stage itself. Here are few key highlights of this policy.
- Generally cancer care plans cover only advance stage level of expenses only, but this plan covers all stages of cancer i.e. early stage of cancer and major stage of cancer. On diagnosis of Early Stage of Cancer, 30% of the Sum Assured on Illness will be paid.
- You can choose from 2 Option for cancer cover. One is level cover and other is increasing cover where your cancer care benefit will increase every year as per terms.
- In case of diagnosis of Major Stage of Cancer, one can choose option to receive monthly income for 5 policy years. At the Major Stage of Cancer, 100% of the Sum Assured on Illness less any previously paid claim for Early Stage of Cancer under the policy will be paid.
- Not only that, in case of diagnosis of Early Stage of Cancer there is a waiver of premium for 5 years.
- Tax Benefits as per Section 80D of the Income Tax Act, 1961 as per current tax laws
- This policy is only cover cancer treatment, don't think that this will work as a health insurance policy for your other problems also.
- There will be no maturity benefit, survival benefit, surrender value, loan facility for this policy.
- There are couple of exclusions like pre-existing illness or few more you should read before availing this policy.
- You can buy this plan online also.
Eligibility Criteria Birla Sunlife Cancer Shield Plan
|Entry Age
|18 – 65 Years
|Maturity Age or Cover Ceasing Age
|75 Years
|Policy Term
|Minimum – 5 Years
Maximum – 20 Years
|Premium Paying Term
|Regular Pay
|Premium Paying Mode
|Annual | Semi-Annual | Quarterly | Monthly
|Sum Assured
|Minimum – Rs.10 Lakhs
Maximum – Rs.50 Lakhs
Should I Buy Birla SunLife Cancer Shield Plan?
The number of cancer patients are increasing day by day in India and the numbers are telling something very dangerous scene. In case you have been diagnosed with cancer in coming days then the cost of treatment is really high. I have seen how suffering and expensive it is to continue the cancer chemotherapy treatment.
Now you may have a term plan to secure your family's life after death, which will not work in case cancer diagnosis. Even a health insurance policy may not be sufficient as they only handle hospitalization benefits only. In such a case, a dedicated policy for treating cancer could be a good idea only in case you are aware about the same.
Birla SunLife is a good name in the industry and this kind of cancer care plans are new to India also. If you are interested to buy such products, I think better to compare with other similar products and choose the which has many benefits for the same premium payment. Although I think that 50 lakh of max coverage is one of the highest coverage among all cancer care insurance policies in India.
Did you buy any cancer care insurance yet? Would you like to share your experience or any concern here by writing a simple comment below. Thanks for reading & sharing this article.
The post Birla SunLife Cancer Shield Plan – Highest Sum Assured Cancer Insurance appeared first on MoneyGyaan.
This post first appeared on MoneyGyaan - A Personal Finance, please read the originial post: here


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This post made me feel like a complete idiot. First of all, dal. Is that even right? Is it dal? dahl? daal? dhal? I have no clue but I'm going with dal because it's one less letter to type and I'm all about efficiency. Second, I'm hesitant even to admit this, but this is the second post I've written about this dish. The first was an entire post about lentils. Beautiful, yellow lentils. Little protein-packed legumes named for their lens-shape (Cool, right? LEN-til. Get it?). How they're packed full of nutrients and flavor. How they're not always yellow. Sometimes they're red, or green, or black. Like in this salad. You didn't click it? You should really click it. It's one of my favorite lentil recipes. You know what isn't a lentil recipe? This one. What you see here are yellow split peas.
So, what's the difference? Well, not a whole lot. Obviously. I ate one and wrote an entire post about the other. They both come in
different colors, they both are legumes, they have similar shapes and they're both very nutrient dense foods. One cup of either provides you with about 15 grams of fiber and about 15-20 grams of protein. That's the protein equivalent of 3 eggs. Don't you feel healthier just reading that?
Ok, so maybe I don't even know what I'm cooking anymore, but I know it tastes good. The split peas are slowly cooked in a mixture of coconut milk and vegetable broth. They're seasoned with ginger and turmeric and of course, I added a kick with some cayenne. Top it off with some cilantro and you've got yourself one pretty impressive dish. This recipe yields quite a large amount. I never scale it back though, because it's wonderful reheated and great to pack for lunches or for a quick leftover dinner. Add peppers or any other vegetable you'd like. Sometimes I throw in spinach and it wilts nicely stirred into the warm dal. Here I made it with forbidden rice because I'm currently in love with it. I often use short grain brown rice. Both work but I just can't get over the color of forbidden rice. When you eat a plate this colorful by nature, you can guarantee it's good for you.
I wish I had an excuse, that I could tell you I lost my brain somewhere in the process of making this dish. That it was so labor intensive that it sucked out all of my smart. But really you just do a little chopping, put it all in a pan and let it do its thing. That's it. So simple. I've got nothing to blame, I'm just a (split)pea-brain. Coconut Dal (recipe adapted from Ultrametabolism) Ingredients: 2 cups yellow split peas 1 14-oz can lite coconut milk 4 cups low-sodium vegetable broth 1 small-medium onion, chopped 4 cloves garlic, pressed (or finely minced) 1 tablespoon freshly grated ginger 2 teaspoons ground turmeric 1 teaspoon kosher salt 1/8-1/4 teaspoon cayenne depending on desired heat level 1/4-1/2 cup freshly chopped cilantro 1 cup dried forbidden rice Directions:
soft. Be sure to stir occasionally.
Posted on January 15, 2012


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Notebook: Several 2020 targets in attendance for Jayhawks' spring game
As important as Saturday's festivities at David Booth Kansas Memorial Stadium were for the Jayhawks who were able to show off their skills during the spring game, the weekend itself doubled as a giant stage for the program and its future under new head coach Les Miles.
Although former KU standouts such as Todd Reesing and Chris Harris Jr. attended Miles' debut and the postgame Rick Ross concert, the night was also about recruiting.
KU's football staff expected approximately 70 recruits in attendance for the scrimmage and the postgame show.
While that number included some players who signed in KU's 2019 class, it also featured many Class of 2020 targets and local and in-state prospects.
Most notably, at least five recruits used the spring game extravaganza as their official visits to KU:
• T.J. Finley, a 6-foot-7, four-star pro style quarterback from Ponchatoula, La., who is committed to LSU
• Tee Webb, a 6-4, three-star pro style QB from Cartersville, Ga.
• Larry Moore, a 6-6, three-star offensive tackle from Missouri City, Texas
• Keith Miller, a 6-5, three-star receiver from The Colony, Texas
• Jimmy Holiday, a 6-1, three-star QB from Flora, Miss.
Miles said earlier this week the response from recruits had been "very good" ahead of the spring game and the Rick Ross show.
"There's going to be a number of guys who want to see Lawrence in a festive environment, and I think that that's very realistic," Miles predicted.
Pooka Williams in attendance
KU's most explosive offensive player in 2018, Pooka Williams didn't participate in the spring game.
But the running back from New Orleans was in attendance, watching from the front row of the bleachers and occasionally posing for photos with fans before the scrimmage began.
A KU official told the Journal-World that Williams remains suspended.
Miles suspended Williams this past December, after KU police arrested Williams and he was charged with domestic battery. Williams agreed to a domestic violence diversion earlier this month. He has not participated in any spring practices.
KU standouts back for spring game
Orange Bowl winners Reesing and Harris weren't the only notable Jayhawks back in Lawrence this weekend to check out the KU football program.
One of their standout teammates from that Mark Mangino-coached team, Dezmon Briscoe, played in the K-Club alumni flag football game before the spring game, catching passes from Reesing during the day's warmup act.
Harris, Bradley McDougald and Fish Smithson didn't play flag football, but took it all in.
So, too, did former KU basketball standouts Devonte' Graham and Landen Lucas.
Miles joins Ross on stage
At one point during Rick Ross' performance, Miles joined the rapper on stage and danced along, joining the show.
Earlier this week, quarterback Thomas MacVittie said Miles might have been more excited about Rick Ross coming to Lawrence than anyone.
"He comes in the meeting room doing that Rick Ross grunt — you know, 'huhh.' We're playing Rick Ross before meetings," MacVittie said. "I just think as a program we're pretty excited."


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Asian Zoodle Salad
A vegan vegetable salad that's sweetened with Mandarin Oranges.
Prep Time
15 min
Total Time
15 min
Calories per serving
- 4 zucchini, spiralized or julienned
- 2 large carrots, peeled, spiralized or julienned
- 1/2 cup shredded red cabbage
- 1 medium red bell pepper, cut into 1/2-inch strips
- 1 can (15 oz.) DOLE® Mandarin Oranges, drained
- 1/4 cup bottled Asian sesame ginger salad dressing
- 2 tablespoons chopped green onions
- 2 tablespoons chopped fresh cilantro
- 2 teaspoons sesame seeds
- Add zucchini noodles to a large serving bowl and season with salt and pepper. Massage zucchini noodles with hands to soften.
- Add carrots, cabbage, bell pepper, mandarins, green onions, and salad dressing. Toss gently to coat.
- Sprinkle cilantro and sesame seeds on top of salad and serve immediately.


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watch 01:50
The Loop (Games)
Do you like this video?
Fisherman's Getaway is a decoration.
Fisherman's Getaway
- It was awarded as the fourth prize in the Wizard Training Mini Event on 18th May 2016.
- Fisherman's Getaway was available in the Enchanted Chests with the Easter, Earth Day Update on 12th April 2017.
Community content is available under CC-BY-SA unless otherwise noted.


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Toronto-based Raven Banner Releasing has acquired Canadian rights to Knuckleball ahead of its slot at the Fantasia Film Festival this weekend (July 21).
Mike Peterson (Lloyd The Conqueror) directed the self-styled R-rated version of Home Alone, about a 12-year-old isolated on a farm after his grsandfather dies suddenly.
With his parents at least 24 hours away and a snow storm rolling in, the youngster must fight for his life as he discovers a connection between his family and the killer next door.
Knuckleball stars Luca Villacis, Munro Chambers, Kathleen Munroe, and Michael Ironside. Julian Black Antelope produced with Peterson, Kurtis Harder, and Lars Lehmann.
Calgary-based 775 Media Corp financed the feature with the assistance of Telefilm Canada. Raven Banner Releasing plans to distribute the film across Canada this autumn, followed by a launch on iTunes and VOD.
"The enthusiasm and genre expertise of Raven Banner is the perfect fit for Knuckleball," said Peterson. "We're looking forward to releasing the film in Canada with them."


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The state of underlines and strikethroughs
Suggested By Member Ric…
"OpenType has 4 parameters we can customize. However, are these values really enforced outside our font editors? The specs for underlines and strikethroughs treat them as suggestions, so it is up to the software to use them or not. On the other hand, if a type designer bothered to set values for these parameters, I strongly believe the software should honor them."
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vilja pienet kivet pouchsale
The large Vilja cosmetic bag is made of cotton and it is decorated with the off white and dark green Pienet Kivet pattern, which is printed in Helsinki. The bag has a zipper closure and a nylon lining with two pockets and places for brushes inside.
Pattern: Pienet kivet by Maija ja Kristina Isola
Main Material: 100% Cotton
Lining: 100% Polyamide
Size: 17 x 23 cm
Color: off white, dark green


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The structure of many African economies is unbalanced and unable to deliver labor intensive and inclusive growth. Most African economies are characterized by both excessive dependence on export revenues from a few commodities and external financial flows (FDI, aid and remittances) and a weak industrial base and predominance of subsistence agriculture.
In addition, up to at least 19 countries in Africa are significant producers and exporters of oil and minerals, which often diverts resources away from "value-adding" sectors. This has left the economy vulnerable to commodity price fluctuations and international vested interests, breeding corruption and environmental problems and, last but not least, condemning the majority of the people to economic exclusion and poverty.
The lack of labor-intensive sectors and the highly unequal distribution of resource rents have, in some cases, led to social and political unrest.
Over the last 25 years, the potentially dynamic and buoyant informal sector has not effectively absorbed job seekers. Productivity has increased in the agriculture sector yet it remains relatively marginalized by virtue of its prevalent rural aspects and the insufficient leverage of technology to enhance its functioning. This continues to affect its ability to attract educated school drop-outs and graduates. Even more of a concern is the decrease of the average labor productivity of the non-agricultural informal sector in Low-Income Countries (LICs) in sub-Saharan Africa over the last decade.
Private sector promotion strategies are also not necessarily geared to employ highly skilled labor (partly because of technological constraints). Off-shoring and outsourcing strategies implemented in North African countries as well as in some SSA countries (Senegal, Kenya, Ghana and South Africa) which provided job opportunities for unskilled and middle-skilled workers can be considered as a good illustration. Few countries have implemented a global strategy to enable employment for university graduates. Morocco and South Africa have taken some actions in this regard and more university graduates could enter this segment of the labor market.
The investment climate in Africa is also not conducive to job creation. Doing business in Africa continues to have a higher transaction cost, although there is some evidence pointing to an improvement in the general investment climate. Africa's share of global foreign direct investment flow remains relatively low therefore the continent continues to miss out on employment-generating opportunities that accompany such investment flows. Limited access to international credit as well as prohibitive cost of domestic credit and land in some countries are not favorable for private sector development.
In addition, informal employment dominates the labor market and accounts for 72% of non-agriculture employment in sub-Saharan Africa. The size of the informal economy as a percentage of gross domestic products (GDP) varies from country-to-country, with ranges from under 30% in South Africa, the continent's largest economy, to almost 60% in Nigeria, Tanzania and Zimbabwe (World Bank 2009). About 60% of jobs in the informal sector are not skilled. Studies have shown stark differences in the education levels between youth workers in the informal and formal sectors. For instance, in South Africa, 37% of workers in the informal economy have not completed primary school education compared to only 16% for the formal sector. Furthermore, youths do not have appropriate skills for other forms of formal sector employment in industry or service activities.


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Homegrown Hillsborough: Beef Cattle
How do ranchers raise cattle in Hillsborough County?
Female cows are bred to produce calves, which then are grass-fed until reaching about 500 pounds. The young cattle are shipped to feedlots in Midwestern states, and fed grain until reaching market weight.
What types of beef cattle are raised commercially here?
Brangus, a cross between a brahma and a white or black angus; piney woods/Florida cracker; and brahma. Cows are white, black, or red, or any combination of the three.
Where are beef cattle most commonly raised in Hillsborough County?
East and South County.
How many acres are devoted to raising beef cattle?
About 77,000 acres of pasture.
How much beef is produced annually in Hillsborough County?
About 23,000 head of cattle were raised in Hillsborough County in 2016. That was 12th among Florida's 67 counties. The total sales value that year was more than $13.8 million.
Fun fact:
Spanish explorers introduced cattle to Florida, beginning with Juan Ponce De Leon, who landed near modern-day Fort Myers in 1521. Many of the animals were left to roam throughout the state, including Hillsborough County. Florida imposed a mandatory fence law in 1949, ending open range.
Local insight:
Almost half of Florida's agricultural land is involved in cattle production, says Florida's Department of Agriculture and Consumer Services.
Recipe: Florida beef, vegetable, and pasta casserole


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Aaron Nagler hosted a Facebook Live chat with readers after the Packers signed defensive lineman Quinton Dial and released Christian Ringo.
Aaron Nagler hosted a Facebook Live chat Tuesday afternoon following the news that the Packers were signing former San Francisco 49ers defensive lineman Quinton Dial. Nagler took questions from readers and talked about all the latest with the Packers.
You can watch a replay above. If you'd like to participate in the future, be sure to like our Facebook page and turn on notifications so you always know when we're going live.


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Main Product/Service:
SOFC technology (planar)
Website: www.topsoefuelcell.com
General email address: email@example.com
Number of employees: 110
Company / Institution introduction:
Topsoe Fuel Cell is dedicated to development, manufacturing and marketing of SOFC fuel cells (Solid Oxide Fuel Cell). The company is a wholly owned subsidiary of Haldor Topsøe. SOFC is a potential breakthrough technology for low cost, clean and highly efficient production of electricity and heat
Products / Services on display at HANNOVER MESSE 2009:
Supplier of SOFC technology, stacks, PowerCore and fuelproccesing for integration
At the booth: Trade fair visitors with Andreas B. Richter, Business Development Manager
At the booth: Customers with Claus Voigt Andersen, Business Development Manager (right)
At the booth: Guest with Andreas B. Richter, Business Development Manager (left)
At the booth: Visitor with Claus Voigt Andersen, Business Development Manager (right)
Press Pictures:


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"There's a great irony in telling someone to feel positive
whilst ensuring that they feel negative."
Nell Bridges, 2012
Life online brings out the best and worst in people and often when you least expect it, with Social Media copping more than its fair share. Every day is a struggle being in pain or feeling sick on the inside while you look fine on the outside. It's hard enough to explain to someone who really has no clue just how debilitating chronic pain and invisible illnesses are. It's even worse when the person that needs convincing is another person with disabilities, a Carer or self-proclaimed disability advocate passing judgement on that which they have very little knowledge of, if any at all. Continue reading


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Hi, I'm Ajay Kuratti, located at Dharwad city in Karnataka state,India. Surrounding Dharwad city, there are many beautiful places to visit such as Goa, Gokarna, Dandeli and list goes on but, when rainy season arrives, that time, in the whole Dharwad city people's mind, there is one place has been pinching always i.e., The beautiful 'Amboli Ghat Falls' which is located at the Sawantwadi Taluk in the district of Sindhudurg, Maharashtra.
When recently, I visited the Amboli Ghat water falls, I just lost myself by seeing it beauty as I visited in the month of July, 2019, there was a very heavy rainfall and water falls was stretching its water hugely and very beautifully.There are steps to reach the water falls but the beauty is that, the water falls water falls on the steps and it's look like they are mini creature of the Amboli water falls. The two eyes are not enough to see this awesome water falls. Also, you can climb up and stand below the water falls, will make you crazy in such a way that, you feel not to go back to your home and live your entire life there itself.
There are few shops which can provide you roasted corns, hot tea, vada pava ( bun and inside stuff), cold drinks and many more. Foreigners if you wish to eat it then you can but foods are not so much tasty, just to experience the Indian local food you can try it.
There are government buses to go there but you need to catch Goa buses from Dharwad to Goa or Belagavi to Goa or vice versa buses as this falls comes on way from these routes. For better comfort, I suggest you people go by taxi. Foreigners who visit Goa, should never miss to visit this water falls otherwise, you will miss something great.


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Category: Visual Arts
The Arts Line Up for Fall is Absolutely Stellar
I mentioned last week that I have the Community Arts Partnership Awards on my mind, and I still do. This week I've been thinking about our Columbus Makes Art Excellence awards. These awards are an opportunity to acknowledge arts organizations…Read More
Weekend Warriors: Ready For February?
By Nick Dekker Wait, when did it get to be February already?! If time flies when you're having fun, Columbus must have been having a blast in January. And if the calendar on ColumbusMakesArt.com is any indication, February is going…Read More
Weekend Warriors: A Feast for the Eyes
By Lacey Luce Last week or so I was one unholy mess of a girl and as a result I missed a lot of great exhibition openings. So, I hope you'll forgive me if this week's blog is skewed to…Read More
Columbus Celebrates a Rich, Diverse Artistic Culture
February is Black History Month and I am excited about the wealth of arts programming happening throughout the city to honor and celebrate the vital contributions of African-American artists to the world. On Feb. 13 the King Arts Complex is…Read More
Weekend Warriors: A Student's Guide to Exploring the Arts
By Grace Urano At this time of year, it can be exhausting to even consider leaving the comforts of home to explore the local art scene. It seems almost a given to grab some friends and Netflix for the night….Read More
Weekend Warriors: New Year Brings New Adventures
By Lacey Luce Happy New Year! Today I am full of the new-year spirit. I closed out December tired and in need of a serious nap, but now I'm up, full of energy and ready to embrace new experiences and…Read More
Weekend Warriors: Out With the Old, In With the New
By Nicholas Dekker 2015 has been a busy year for Columbus in all regards: food, sports, arts, urban development, you name it. Sometimes I find myself complaining that there's nothing to do over New Year's, but with the right resources…Read More
Weekend Warriors: There Are Many Ways to Shake Off the Eggnog Daze
By Lacey Luce It's the night before Christmas and all through the city people are prepping for their own version of celebrating the holidays. I, along with many others, am looking forward to an extra day off this Friday; and,…Read More
Weekend Warriors: Catch These Arts Events Before They're Gone
By Lacey Luce As the year winds down I find myself feeling a lot of deadline pressure. All those things I said I would do in 2015, but haven't quite gotten to because I thought I had oodles of time—well…Read More
Weekend Warriors: Six Events to Map Out Your Weekend
By Lacey Luce I've spent a ridiculous amount of time in my kitchen lately (I bake. It's just a thing I do.). As a result my kitchen looks like the Keebler Elves snuck in and hosted a rave, and now…Read More


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Getting to the Heart of the Matter with Rita Dove
Today's post is brought to you by guest author Ann Cox. Ann Cox has over twenty years of experience teaching high school English, including AP Literature and Composition, Creative Writing, and Speech. She also spent several years as a teacher consultant for the Illinois State Writing Project. You can reach her at firstname.lastname@example.com.
This is the second installment in a series at #TeachLivingPoets. The Poet Laureate Project features a different U.S. Poet Laureate each month during the 2019-2020 school year. I will highlight one or two of their poems, suggest activities to use these pieces in the classroom, and touch upon their contributions to the promotion of poetry in America.
This month's featured Poet Laureate is Rita Dove. In addition to being the youngest ever U.S. Poet Laureate, she is also a Pulitzer Prize winner and the only poet to receive both the National Humanities Medal and the National Medal of Arts. Continue reading


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10 - 14 May
Robust edge sanding machine with al lot accessories (swivel up to 45/90°, pneumatic Oscillation (complete aggregate moves approx. 30 mm up and down), veneer sanding ...
The brush deburrer machine RE 250/RE400 with underframe in ergonomical working height is optimal for workshops
and for metal-working-companies. The rotating brush ...
Special carts for all workpieces (windows, cabinets, doors, frames,
boards, etc.). Careful/safety for your back because of V-frame. Safe
space when not in use. ...
TWL 1000 is ideal for every workshop. It offers more than enough space to store and to transport for example staircase stringers, long parts, small work pieces etc. ...
Ideally for move out your boards from your standing-board-depot. For in-plant transport of boards to the standing or
lying panel saw. The stepless height adjustment ...
Variable adjustable lacquer stand
- rotatable with fixed boom
- varible adjustable swivel arms
- useful for: painting, spraying of wooden (not
only) pieces ...
Space-saving and collapsible drying rack with particularly high load capacity. Careful storing & transport of work pieces in the smallest space.
- Solid metal frame ...
Space-saving drying rack for a careful storing & transport of work pieces in the smallest space. Ideal for work pieces in different
- Solid metal ...
Space-saving and collapsible drying rack for a careful storing & transport of work pieces in the smallest space. Ideal
for work pieces in different dimensions.
Solid ...
Der Entgrater RE250 / RE500 auf einem Untergestell in ergonomischer Arbeitshöhe eignet sich optimal zum Einsatzin Werkstätten und Metallverarbeitenden Betrieben. ...
Sanding machine with brush -tools or pneumatic air-drum for almost all
workpieces (straight, curved, swung profiles etc.)
- solid wood sanding
- finishing sanding ...
Sanding machine especially for round wood for example: flagpole, horticultural timber, playground woods etc.- complete job on one run (continuous machine) - workpiece ...
Optimal solution for sanding workpiece up to 300 mm
- constant tape tension bye pneumatic
- use hole sanding belt because of height adjustable table by spring ...
Robust edge sanding machine with a lot accessories (swivel up to 90°, motor oscillation (roller moves approx.10 mm up and down), veneer sanding unit, feeder console, ...
- Edge sanding machine in robust steel frame construction
- easy changeover to veneer-edge sanding
- pneumatic tape tension
- inimitable pneumatic height adjustable ...
Furniture parts, stairway steps, MDF, veneer, borders, etc., straight or swung, either free hand or with feed motion
(without complex changes at edge-sanding machine).
Whatever ...
Complete edge-processing by a continuous machine at solid wood, MDF etc.
- edge sanding - profile shaping - profile sanding
- pneumatic groping sanding pad usual ...
This edge-sanding machine offers additional one swung rear and two radius sanding places Ø 80 and 300 mm beside the
conventional straight sanding side. Thus a kind ...
We have been building machinery for more than 50 years - so our experience is your benefit!Rehnen Maschinenbau GmbH specialises in designing and building edge-trimming and profile milling machinery. Leading staircase makers and joineries around the world work with our edge processing machine and the SK1. Based in Germany's Emsland, Rehnen's speciality is simple and effective individual solutions. Durable, efficient machinery and the optimum, well designed transport solutions from a master mechanical engineer!Durable, efficient machinery and suitable, sophisticated handling equipment made by the master machine builder from Germany!
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Stored items


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JAKARTA (TheInsiderStories) – The Indonesian Election Watch and the General Election Commission are considered not ready to face and resolve the practice of fraud in foreign elections which took place on Sunday (04/14). They also have not taken firm action regarding voting fraud committed in Selangor, Malaysia.
The investigation team that left for neighboring countries is said to still carry out checks and verification. So far, only recommendations for the selection and dismissal of electoral committees, but have not been able to reveal how fraud can occur and who is behind it.
"We have ordered the Kuala Lumpur Election Committee through the General Election Commission to conduct a follow-up vote with the post and vote method that has been punched countless more," said Chairman of the Indonesian Election Watch Abhan at a press conference in Jakarta, on Tuesday (04/16).
We also recommend through the election commission to replace the committee as many as two peoples on behalf of Krishna KU Hannan as Deputy Ambassador who in our opinion, to avoid conflicts of interest, and Djadjuk Natsir, it is recommended to be dismissed as committed to maintain professionalism, he added.
However, the public certainly expects this fraud case to be revealed. The solution to the re-election and dismissal of the electoral committee is a technical matter, not the substance of the question at hand. The results of a thorough investigation of this case are actually needed to guarantee fair and fair elections. Also to anticipate similar events in other places.
An honest and fair election activist, Eggy Sudjana, for example, questioned the steps taken by the organizers. Himself considers the problem not yet finished with the solution given. Re-election does not mean that this case was stopped because it violated the four articles of Law Number 7 of 2017 concerning the General Elections used, namely articles 532, 537, 550 and 456, he said.
Article 532 reads: "Any person who intentionally commits an act that causes the vote of a Voter to be of no value or causes certain Election Participants to receive additional votes or votes for the Election of Participants to be reduced by a maximum of 4 (four) years imprisonment and a maximum fine Rp48,000,000 (forty-eight million Rupiahs), he added.
"With this case, we know that the election organizers were unprepared and seemed afraid to reveal the truth," he said.
As known, the elections in Malaysia were in the spotlight because of the discovery of a number of ballots that had been cast over the legislative candidates for the Nasional Demokrat Party and Demokrat parties and incumbent presidential candidate Joko Widodo-Ma'ruf Amin.
In addition to Malaysia, election organizers must also be prepared to resolve electoral chaos in other places such as Sydney Australia and Hong Kong.
Cases in these two places are similar: hundreds of Indonesian citizens living there reportedly could not distribute their voices because they were running out of time. Even though they claimed to have lined up for hours. Indonesian citizens in Sydney and Hong Kong also made a petition containing requests for follow-up voting.
Written by Daniel Deha, Email: email@example.com


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,Three wins from three for Ramsey Pavilion as they progressed to the Second Round of the Creake Charity Shield at the expense of St. Ives Rangers, at side that currently ply their trade a division higher than the Pavos in Div 1B of the Cambs County League.
Player / Manager Matt Brading started himself in an advanced role in place of the absent Kyle McPartlin and it was he that opened the scoring following a well worked move. Rangers tried to get a foothold in the game and managed to equalise from a corner but the comeback did not last long as Brading added a second to restore his sides lead just before half time.
The second half was dominated by the visiting Pavilion side and, at times, you would have been hard pressed to pick which of the two sides was from the higher division. Eventually it fell to Skipper Steve Hurst to round of the scoring with a smart finish from distance.
3-1 the final score meaning Ramsey Pavilion advance to take on Fordham, also of Division 1B, in round 2 on 14th October at Cricketfield Lane.
A return to league action this weekend (23rd Sept) sees The Pavos welcome Brampton Reserves to The Lane for what will be their first home fixture of the season.
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October 2017


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Welcome to my Website! If you're looking for a professional massage therapist, you've come to the right place.
I am trained in a variety of modalities, and you can click on the "Services & Rates" page to learn more about the various techniques I use in my work. I am located in Maytown and at Vital Tree Yoga Studio.
Please contact me with any questions you may have or if you want to schedule an appointment.
Thanks for visiting, and have a great day


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Is your Florida swimming pool looking a little rough around the edges? Think you have to just have to deal with it or wait till you move into a new house to have the pool of your dreams? Think again, because it's not the case! A licensed swimming pool contractor like R.I.G Custom Pool & Spa can remodel your pool and bring it back to life! The fun does not have to stop there either, we can design an outdoor space to compliment your newly refreshed pool. Of course, aesthetics are just one of the reasons why pool owners decide it is time for a makeover. Here are some of the questions you should ask when trying to decide if it's time to remodel your central Florida swimming pool.
Is My Pool Safe?
Swimming pools get used a lot in Florida! Damage to your pool can be a potentially disastrous safety hazard. Issues such as cracked concrete, damaged fiberglass, dangerous steps and chipped tile can cause physical injuries and signal that it's time to remodel your pool. Cracks and texture irregularities in the foundation threaten the health and overall structure of your pool. Over time a minor crack or divot turns into a major crevice. Not to mention, cracks and crevices are potential breeding grounds for algae and bacteria, which affects the water quality of your swimming pool. In turn, keeping a safe swimming pool safe protects your family, the investment you have made in having a pool, and thwarts potential legal action should a visitor become injured in your pool.
Is My Pool Out Of Date?
Architectural styles change over time—and that goes for pools as well. Unless you are going for a "retro" look it could be time to remodel your pool. A rectangular pool with turquoise tile might have been popular in the 1980s, but trying to make it work for a modern outdoor oasis is a stretch. Worry not, our pool professionals can remodel your pool with the new technology and conveniences you have been dreaming of while working within your budget. With a wide variety of features are available, you can have the "cool pool" on the block again! Another great benefit of remodeling your pool is enhanced property value. This is a major plus if you will be selling your home in the future.
Is My Pool Energy Efficient?
Technological advances have affected just about every aspect of our life and society, and the pool industry is no different. Modern swimming pools have features such as automated systems that manage pumps, heaters, filtration, and cleaning. Automated systems are controlled remotely, allow you to manage your swimming pool's efficiency, and helps lower energy bills. If you have an older swimming pool, consider having R.I.G. Custom Pool & Spa replace your outdated equipment in exchange for energy-efficient alternatives. You'll be helping the environment and saving money on your electric bill at the same time.
Swimming Pool Remodeling Services In Winter Haven
At R.I.G. Custom Pool & Spa, our professional team members pride themselves on being able to handle any pool remodeling job. Want to improve the function of your pool or give it a total makeover? We can make your vision a reality. Ready for a great-looking swimming pool with reasonably-priced results? Take the next step and call our office in Winter Haven, Florida at (863) 294-4477 to schedule a consultation.
R.I.G Custom Pool & Spa is proud to serve customers in the central Florida area including Winter Haven, Lakeland, Auburndale, Haines City, Davenport, Kissimmee, Brandon, Plant City and more!


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Episode 1535
Travel Tip - When traveling overseas, always pay in local currency. If they ask if you'd like to pay in US dollars, you'll likely get charged a conversion fee with your credit card. Also. Let your bank know that you're traveling overseas. Also, pay using a credit card. Your debit card is no protected if the card gets stolen or hacked.
Another tip - use a VPN while traveling with your internet access. You'll actually save money by pretending you're in a different country and you're booking flights. Leo uses a travel router, which protects him overseas.
Leo also suggests not to use a VPN in China. But Johnny Jet disagrees. If you're visiting, and are not an ex-pat, then they don't really care. They just care if you're an ex-pat coming back and starting trouble. But Leo says to be a good guest and obey the local laws.


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On the House - Free Tickets
ON-THE-HOUSE is a membership-based service providing FREE TICKETS to audiences for events organised by producers, venues or artists. The purpose of this system is WORD OF MOUTH marketing.
There is NO SERVICE CHARGE to producers, venues or artists for this promotion.
ON-THE-HOUSE wants to introduce people to some storefronts, ensemble groups, repertory companies, 30-seat theatres, mid-sized theatres and concert halls. Big talent has to start somewhere, and we have it all on the stages of Australia!.
Producers, venues, artists give tickets to ON-THE-HOUSE to help promote their productions. So while ON-THE-HOUSE is giving you a wealth of wonderful experiences, you are supporting the arts. All we ask you to do is tell your family, friends and neighbors to not miss the shows that you've already seen and loved.
producers - add your events and promote your show!! go to www.on-the-house.org and click on ADD YOUR EVENT
❊ Web Links ❊
→ On the House - Free Tickets
→ www.itsonthehouse.com.au
→ Disclaimer: Check with the venue before making plans...
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Review of
Out of Darkness, by Lawrence W. Gold, Grass Valley Publishing, 2016. ISBN 9681523496495
Five out of five stars
This book does not just grab you, it does so with the grip of an adult male gorilla. It deals with one of the most offensive scourges of now or any other time, the sex trafficking of girls. Many people think that it is something that only happens in other countries but it does happen in the United States. Furthermore, it happens more than one would think, given the reach of the criminal justice system.
Dr. Cynthia Lange is a superb physician that has joined the staff at Brier Hospital and it is clear to all that she is a rising star. As is generally the case, her talents earn her both praise and enemies, especially among the more conservative elements of the hospital staff.
Dr. Lange also has a dark secret in her past that she wants to keep buried, but unfortunately circumstances force her past out into the open. Some are sympathetic, yet others are appalled and hostile, forcing her to defend herself and she is the target of some vile physical and verbal abuse.
Many of the characters of the previous books in the Brier Hospital series return, some on Dr. Lange's side and others that are hostile. Yet, she proves to be tougher than all of them and at the end, takes on even more responsibilities in her goal to help others.
This is one of the very few books that I find so captivating that I could not put it down, to the detriment of not getting some important things done. No complaints though, it was well worth it.
One small complaint must be stated, there are some obvious typos, a proofreader should have gone over it one more time.
This book was made available for free for review purposes


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Before Instagram was an art form, fashion photographers were pop culture royalty. From the postwar covers of Vogue until the triumph of the digital image, the fashion photographer sold not only clothes but ideals of beauty and fantasies of perfect lives. Even when they succumbed to temptation and excess, the very few photographers who rose to the top were artists above all.
In his follow-up to the New York Times bestselling Model: The Ugly Business of Beautiful Women, Michael Gross probes the lives, hang-ups, and artistic triumphs of more than a dozen of fashion photography's greatest visionaries: Richard Avedon, Irving Penn, Melvin Sokolsky, Bert Stern, David Bailey, Bill King, Gilles Bensimon, Bruce Weber, Steven Meisel, Corinne Day, Bob and Terry Richardson, and more. From Avedon's haute couture fantasies and telling portraits to Weber's sensual, intimate and heroic slices of life, and from Bob Richardson's provocations to his son Terry's transgressions, Gross takes listeners behind the scenes and reveals the revolutionary creative processes and fraught private passions of these visionary imagicians.
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Chrysler Dealers in Valparaiso, IN
Bosak Motors (CDJR) Offers Great Sales and Service for Jeep, Dodge, and Chrysler Vehicles
Families, students, professionals and anyone looking for a new ride should come to Bosak Motors (CDJR), a Jeep, Dodge and Chrysler dealer near Valparaiso, IN. We've been serving the area since 1926, and we're proud to continue to be a part of the community by selling new and pre-owned vehicles and by providing a variety of services, including excellent financing options and automobile repair.
Impressive Selection and Financing
Bosak Motors (CDJR) is a dealer near Valparaiso, IN that offers a wide range of new Jeep, Dodge, and Chrysler vehicles, including the 2012 Chrysler 200 Touring, the 2012 Dodge Avenger, the 2012 Jeep Grand Cherokee, and more. We also have a wide range of quality pre-owned vehicles of a variety of makes and models, including plenty below $10,000. We'll even help you trade in your vehicle and put it toward your new purchase.
Bosak Motors (CDJR) also has a professional finance team that can help to tailor a loan with a local lender for your new vehicle. We also employ certified technicians who work in our state-of-the-art service center and can handle almost any automotive issue, large or small. We offer regular maintenance to keep your vehicle healthy and running, as well as repair services. Our team in the parts department can help you order that tricky part when you're taking care of the repair yourself.
Chose Bosak Motors (CDJR) for Your Next Vehicle
Whether you're just thinking about adding a new vehicle to your garage, or seriously considering it, our friendly sales team can help you learn as much as you need to know about any of the vehicles we offer. Our goal is to not only connect you with a vehicle that you love, but one you'll continue to love. We're located at 3111 West Lincoln Highway in Merrillville, IN, just 17 miles west of Valparaiso, IN. Our hours are 9:00 am to 8:00 pm Monday through Thursday, 9:00 am to 6:00 pm on Friday, and 9:00a m to 5:00 pm on Saturdays. Selling cars has been in our family for over 85 years and we do it well, and we want to show you what makes us a premier Chrysler, Dodge, and Jeep dealer. Come and visit us to see why Bosak Motors (CDJR) continues to be the choice of so many drivers in the area.


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I'm always looking for new and innovative ways to decorate and I adore these cute new headboard designs! What a great way to save some money instead of investing a fortune in a fancy headboard!
Now, are you ready for a little fun? Interested in a little blog candy? Leave me a comment and tell me which one is your favorite and why, and on Sunday I will randomly draw a name and the winner will get a $25 Starbucks Gift Card! I don't know about you, but I can go for a Starbucks anytime!
Good luck!
Until next time,


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Room G5
This adolescent suite is an open spaced room, minimally furnished, with a sprung floor.
This room can also be joined to adjacent room G6 to create a larger therapeutic space.
• Spacious training room
• Capacity for 15/20 people
• Can be joined to the adjacent room G6 to create a larger training room for 35/50 people
• Art or movement
• Lecture room
• Meetings
• Group supervision
• Magnetic board
• Comfortable tub chairs with tablets
• Large central sky light
Room G5 hire prices
|Corporate / Partners
|Not for Profit / Charity
|Per hour
|Half day (4hrs)
|Full day
If you would like to hire this space at the Bothy please fill in this form below to send us your details
Car – On street parking close to building
Underground: Finchley Central on Northern Line High Barnet Branch– approx. 10 minutes on foot Bus: 82, 143, 460, 125, 326 from and to Central London. Local buses: 611, 643, 653. Cycle – Cycle stands located with Stephens House & Gardens close to building.
Please note there is a secure access to the building through the grounds.


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Senior university officials from Kaichi International University visited our institution on 29 January, following the signature of a cooperation agreement in December 2018.
During their meeting, President Professor Hideko Kitagaki and Rector Professor Péter Balla exchanged ideas on internationalization and academic curriculum. The Japanese delegation also met Dr Enikő Sepsi, Dean of the Faculty of Humanities, and held talks with the Chair and professors of the Japanese Studies Department over future collaboration.
President Kitagaki and Rector Balla with the Cooperation Agreement


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By Bruce Tulgan
This is Part 2 of a 3 Part series. You can view Part 1 HERE.
Managers are prevented from being strong because there are many factors beyond their control—red tape, corporate culture, senior management, limited resources.
Managers tell me every day that despite their best efforts, they are held back by rules and red tape and contracts. By the way, some managers hide behind this challenge as an excuse to not manage. And almost always, right beside them, in the very same organization with the very same rules and red tape and contracts, there are lots of managers who find ways to work within and around the rules and red tape and contracts. It's difficult, but they do it anyway because that is their job.
How do you work within and around the rules, red tape, and contracts? I am a lawyer technically. So let me tell you what lawyers do when confronted with rules and red tape and contracts. They learn the rules and red tape and contracts backward and forward. And then they work them. What else is there to do? Learn the rules and work them.
Are you worried about being sued? There are many impermissible reasons for distinguishing between and among employees. Performance is not one of them. As long as you can demonstrate that any rewards or detriments to employees are based solely on their work performance, there is no basis for a claim of unlawful discrimination. Find an ally who can help you learn the rules and work the rules: Someone in HR. Someone in legal. Someone in EEO. Someone in the union. Your boss.
Remember this: Of course, there will be things you can't do. Don't do them. If you do, you'll get in trouble. But often you can do things you didn't realize you could do, once you learn how do them. There are so many things you can do. You cannot remove every obstacle. But there are so many partial solutions that make such a big difference.
The myth is believing that the factors beyond your control are what make you feel powerless.
What is the reality? Focusing on what you can't control makes the most powerful person weak, whereas focusing intensely on what you can control—to the exclusion of what you cannot control—will always make you stronger.
The fact is, there are so many things in your control: you, your guts, your skill, your habits, and your time. You don't need anyone's permission to be strong. You don't need anyone's permission to talk to your employees more often—one-on-one— about the work each is doing. You don't need permission to set people up for success, to spell out expectations clearly every step of the way, to clarify goals and guidelines and deadlines. You don't need permission to monitor and measure and document performance every step of the way. You don't need permission to zero in on small problems immediately and solve them before they grow into larger problems. You don't need permission to try your best to steer more rewards to people who go the extra mile.
About the Author
Bruce Tulgan is an adviser to business leaders all over the world and a sought-after keynote speaker and seminar leader. He is the founder and CEO of RainmakerThinking, Inc., a management research and training firm, as well as RainmakerThinking.Training, an online training company. Bruce is the best-selling author of numerous books including Not Everyone Gets a Trophy (Revised & Updated, 2016), Bridging the Soft Skills Gap (2015), The 27 Challenges Managers Face (2014), and It's Okay to be the Boss (Revised & Updated, 2014). He has written for the New York Times, the Harvard Business Review, HR Magazine, Training Magazine, and the Huffington Post. Bruce can be reached by e-mail at firstname.lastname@example.com, you can follow him on Twitter @BruceTulgan, or visit his website www.rainmakerthinking.com


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Summer fun during beach roadshow with Algoa FM and Engen
Issued by:
Algoa FM
The search is on by Algoa FM for the top sandcastle artists in the Eastern Cape and along the Garden Route this summer season.
Running from Monday, December 15, to Sunday, January 4, the Engen Primax Unleaded and Algoa FM Summer Beach Hit Squad will be making some noise on 18 of South Africa's hottest blue flag beaches with great music, prizes and fun activities for families.
"It's our contribution to ensuring that the Eastern Cape and Garden Route remain top destinations for South African holiday-makers over the Christmas period, boosting and promoting tourism in our broadcast area," says Marketing Manager of Algoa FM, Toinette Koumpan.
Buckets and spades will be provided by the Algoa FM's Summer Beach Hit Squad and both young and the young at heart will then have to create their sand castle masterpiece. One winning entrant of a R2,000 Engen fuel voucher will be selected at each of the 18 beach activations and called live on-air on the day to receive their R2,000 Engen fuel voucher.
"We are on a mission to add some fun, action and excitement to our wonderful waves, sun and seashores by encouraging people to do some good traditional activities with their families and friends. With our increasingly digitally driven world, we forget these simple pleasures that often prove to be the most fun," says Koumpan.
Judging will be done by Algoa FM's Hit Squad, with winning photo sent to the DJ in studio. All the sand castle photos will also be loaded onto the Algoa FM website and the winning sandcastle on Algoa FM's social media sites.
There will be lots of additional prizes, vouchers and other fun beach items including beach balls, frisbees and beach umbrellas.
Algoa FM's Summer Beach Squad will be spotted on the following beaches starting Monday, 15 December: Nahoon, Gonubie and Bonza Bay Beach in East London, Kenton on Sea Middle Beach, Boknes Beach, Dolphins Beach in Jeffreys Bay, Plettenberg Main Beach, Buffelsbaai in Knysna, Herolds Bay, Hartenbos and Mossel Bay and concluding the roadshow for a four-day stay at Hobie Beach in Port Elizabeth.
Algoa FM's new Garden Route Drive-time presenter, Jacques Arendt, will also be broadcasting live from Hartenbos on the 29th and 30th December from 15h00-19h00.
12 Dec 2014 13:12
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There are three basic questions that must be answered when considering the implementation of a retirement plan.
Shall we install a qualified retirement plan?
What type of plan would best meet our objectives?
How and when shall we put the plan into effect?
Pacific Retirement Plans will evaluate the objectives of the plan sponsor and design a plan to best fulfill the needs of the employer.
The employer is interested in providing a retirement plan but does not want to provide an employer contribution.
A stand alone 401(k) plan will typically have various mutual fund options available to plan participants. Segregated accounts, daily valuations and the ability for participants to move among the various investment alternatives are popular with stand alone 401(k) plans.
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The employer is interested in providing a retirement plan with an employer contribution.
A 401(k) plan with a discretionary matching contribution tends to be a cost-effective way for employers to contribute to the plan. The matching contribution is provided only to participants that contribute to the 401(k) plan.
The matching formula can be customized to meet the employers needs and limit its liability. If the employer is considering a generous employer contribution, a plan with a discretionary profit sharing contribution may be the best alternative. The allocation formula may be customized to meet the employers needs.
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The employer is interested in a retirement plan that maximizes the principal's contribution.
A comparability or age-weighted profit sharing allocation formula can be used to maximize the benefit for the principals of the company. This type of plan generally works for a firm if the principals are generally older than the remainder of the workforce.
Generally a pooled investment account with an actively managed portfolio may provide the best alternative for this approach. Since the principals seek to maximize their contributions to the plan, they tend to have a greater share of the assets in the plan.
The employer may choose to provide different investment alternatives for profit sharing contributions and 401(k) contributions. (i.e. provide a pooled investment account for profit sharing contributions and segregated accounts for 401(k) contributions)
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The employer is interested in a plan that does not have a limit on the amount of contribution to the plan
For a defined benefit plan, there is no percentage or dollar limit on the amount of the contribution that is deductible, if the benefits are considered non-discriminatory.
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Does the employer have to use only one broker or custodian?
The rules governing qualified retirement plans do not require that a plan sponsor select one brokerage or maintain a specific custodian's retirement program. The plan sponsor is responsible to evaluate the suitability of the investment choices and the performance of the plan and if necessary, make prudent changes to the investments available under the plan.
The plan administrator may choose to change or modify the investments available under that plan at any time. However, the plan may be bound by contracts by and between the plan and the brokerage or custodian.
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Who is going to pay for the plan expenses?
Typically, plan expenses are paid by the employer pursuant to an up-front fee schedule based upon the type of plan and the number of participants in the plan. Plan expenses are deductible by the employer if the employer pays them directly.
The plan may have participants pay the expenses. Under this arrangement, the annual administration fees are passed onto the participants through higher mutual fund expenses. Higher mutual fund expenses result in lower mutual fund performance (i.e. returns) for all plan participants, including principals.
Annual fees included as mutual fund expenses usually result in 0.35%-0.50% higher mutual fund expense ratios. Therefore, a plan with $1 million in assets will pay the brokerage $3,500-$5,000 in higher mutual fund expenses to compensate for lower annual administration fees.
For more information: Evaluating Fees
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The plan must be established using a Written Plan Document, which defines the plan's provisions.
The plan must then be communicated to the participants by providing a Summary Plan Description to the participants, which explains most of the plan's provisions to the participants.
Additionally, a plan allowing participants to choose their own investment options must fully explain the available investment options.
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The value of the participant's account must be reported to the participant at least annually.
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The plan must be tested annually for compliance with federal regulations. If the plan fails any of the numerous compliance tests, corrections must be made within time specified by law. If the plan provides an employer contribution, the allocation of the contribution must be properly calculated based upon the formula in the plan document, current census data and tested for non-discrimination.
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The plan must file an annual return with the Department of Labor. Other reporting requirements to the Internal Revenue Service exist.
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The plan sponsor is responsible for choosing the plan's investment options. Typically this is done by hiring a brokerage, mutual fund company or independent investment representative to assist the plan sponsor.
The plan may provide for a pooled investment approach in which participants share a portion of the pooled account. Pooled investments typically have professional investment representatives actively managing the assets.
Also, the plan may provide participant direction. The plan sponsor may select a fixed number of investment options from which plan participants can choose.
Pacific Retirement Plans will work with any brokerage, mutual fund company or independent investment representative selected by the plan sponsor. PRP can assist the employer in establishing a plan with daily valuation, multiple fund families, brokerage option, Internet and 800-number access.
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Defined contribution plans
Defined benefit plans
Defined contribution plans
Defined benefit plans