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Buying a house has never been more affordable. Low prices coupled with record low mortgage rates have made purchasing a primary residence, second home or investment property very appealing for many. Unfortunately, many purchase transactions fall out of escrow, some buyers are unable to qualify for mortgage loanfinancing and others cannot get their offer accepted.
In today's market, buying a house requires diligence, a little bit of luck and a lot of planning. But most importantly, your expectations must be in sync with the market.
Here are 10 common pitfalls that could keep you from sealing the deal:
You have large cash deposits but no paper trail
Be prepared to source all cash deposits and transfers into your bank accounts. Are you doing side jobs? Do you get regular cash deposits from a friend or family member? All deposits and transfers from other accounts will need to be sourced.
Your gift money and/or down payment cannot be sourced
Getting money from mom and dad to purchase a house? That's great; here's what they will need to provide so you can secure a home loan stress-free:
- Signed gift letter stating the money is truly a gift.
- Full bank statement showing they had the ability to gift funds.
Your debt-to-income ratio is above 45 percent
Your debt-to-income ratio (DTI) is the amount of a new monthly house payment plus other recurring monthly debt divided by your gross monthly income. Most loan programs require that this ratio be at or below 45 percent. You can determine whether a house is within your affordability range in two ways:
- Calculate your DTI: Proposed mortgage payment + all minimum monthly debt obligations ÷ gross monthly income.
- Calculate your maximum mortgage payment: Gross monthly income × .45 (45 percent DTI) − all minimum monthly debt obligations.
You're self-employed and show losses on your Schedule C
You cannot have your cake with the tax man, eat it too and expect to qualify for the maximum house price. If you file your income taxes on a Schedule C be prepared to show strong positive figures on any one of the following line items (note: this will likely cause you to pay more in income taxes, so consult with a tax professional).
- Line 31 net profit (business use of the home can be added back for income qualifying)
- Line 12 depletion
- Line 13 depreciation
You take 2106 business expenses on your tax return
You're a W2 employee, and you personally pay for business-related expenses out of your own pocket. Sounds great, right? Here's the red flag: Lenders calculate 2106 business expenses as a debt and will take this annual expense and divide it by 12 to get a monthly figure.
You need a seller credit for closing costs
Many buyers today, especially first-time home buyers, are short on cash to close and need seller concessions for closing costs. But what if the seller doesn't agree? Be prepared to pay about 3 percent of the purchase price in closing costs, in addition to your down payment.
You're indecisive
Ideally, you should shop for your loan before making an offer on a house. If, however, your offer is accepted before you choose which lender or loan program you're going to use, then you will be forced to do one of two things:
- Commit to working with a lender.
- Cancel the contract if you cannot meet obligations.
The house has structural and/or pest-related issues
These things happen, so be ready for it. If you're going with a government-backed mortgage for your home purchase, you will be subjected to slightly higher appraisal standards than if you were going with a conventional mortgage.
You're competing with multiple offers and stronger buyers
So how do you win? Start by asking your mortgage lender to close the transaction in less than 30 days. This increases your negotiating ability.
You have unrealistic purchase price expectations
This happens time and time again: Buyers are very particular about what they're looking for — and what they're willing to pay for it. Most buyers have to compromise at some point along the way, but it often takes multiple offers on several homes for this fact to ultimately resonate. A good real estate agent should be able to advise you of the reasonableness of your offer.
- Multiple Offers? 5 Ways to Beat Out the Competition
- The Anatomy of a Real Estate Purchase
- You Just Signed a Real Estate Contract: Now What?
Scott Sheldon is a senior loan officer and consumer advocate based in Santa Rosa, California. Scott has been seen in Yahoo! Homes, CNN Money, Marketwatch and The Wall Street Journal. Connect with him at Sonoma County Mortgages.
Note: The views and opinions expressed in this article are those of the author and do not necessarily reflect the opinion or position of Zillow.


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At the end of september 2011, I have left my positions as co-chair for the research domain Earth System Analysis at the Potsdam Institute for Climate Impact Research and also as Professor of Global Ecology at the Institute of Earth and Environmental Sciences at Potsdam University.
I am now Research Director (CNRS) at the Institut Méditerranéen Biodiversité et d'Ecologie marine et continentale (Mediterranean Institute for Biodiversity and Ecology, IMBE), Aix-en-Provence, France.
For PIK matters, I can still be reached through Wolfgang.Cramer -at- pik-potsdam.de for some time, otherwise my current coordinates are
(photo: privat)

subset: commoncrawl


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- Address:
- 2 Chuk Yuen Village, Wong Tai Sin, Kowloon
- Tel:
- +852 2327 8141
- Website:
- International | English
- Australia | English
- Canada | English
- 內地 | 简体中文
- France | Français
- Deutschland | Deutsch
- India | English
- Indonesia | Bahasa Indonesia
- 日本 | 日本語
- 대한민국 | 한국어
- Malaysia | Bahasa Malaysia
- Nederland | Dutch
- New Zealand | English
- Россия | русский
- Southeast Asia | English
- España / América Latina | Español
Wong Tai Sin Temple
The Sik Sik Yuen Wong Tai Sin Temple's claim to 'make every wish come true upon request' might have something to do with its popularity. Home to three religions (Taoism, Buddhism and Confucianism), its natural setting and beautifully ornamented buildings make it as much a scenic attraction as an important religious centre.
The temple commemorates the famous monk of yore, Wong Tai Sin (also known as Huang Chu-ping), who was born in the Fourth century and became a deity at Heng Shan (Red Pine Hill). In 1915, Taoist priest Liang Ren-an carried a sacred portrait of Wong Tai Sin from Guangdong in southern China to Hong Kong. Now housing this precious portrait, the Wong Tai Sin Temple is where worshippers pray for good fortune through offerings, divine guidance and fortune telling.
Feng shui enthusiasts may notice structures representing the five geomantic elements: the Bronze Pavilion (metal); the Archives Hall (wood); the Yuk Yik Fountain (water); the Yue Heung Shrine (fire), where the Buddha of the Lighting Lamp is worshipped; and the Earth Wall (earth). Other areas of the complex include the Three Saints Hall, the Confucian Hall and the extravagantly colourful Good Wish Garden that is lavishly decorated with chinoiserie.
Select what you would like to see on the map:
- Attractions
- Events
- Shopping
- Dining
- Hotels


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The slot machine is ubiquitous throughout the developed world, beloved of the Brits in their pubs and seaside resorts, the Americans in their bars and casinos, the Japanese in their pachinko parlours and game centres. Pokies – that?s gamer slang for slots – have formed one of the staple parts of the gaming industry for over a century, offering that classic casino adrenaline rush, all over the world. If there is a sweeter feeling than watching those symbols lining up and hitting the jackpot, we have not felt it.
Pokies are a huge draw to gamers, currently garnering around 70% of the income of most US casinos. The machines themselves have managed to keep their special sort of charm, despite going through some major changes over the years. Nowadays gamers are just as likely to play online pokies at Jackpot Capital Casino as the big old machines at the local arcade. Let?s take a look at the evolution of this iconic bellwether of the gaming industry and see how pokies came to be a worldwide phenomenon…
Invention & Rising popularity
The slot machine story starts in San Francisco, California, where one Charles Fey reputedly invented the very first mechanical slot machine in 1887. Fey?s creation featured a trio of spinning reels and just five symbols – diamonds, spades, hearts, horseshoes and liberty bells, the latter of which provided the machines with their name. The Liberty Bell slot machines proved immensely successful, and within the space of a few years, copycat machines were appearing across the U.S.
A collection of "one arm slingers", the very first generation slot machines. Credit: Wikimedia Commons
Gambling machines were soon a craze throughout The States, with more complex models appearing all the time, including Sittman & Pitt?s 1891 5-drum, 50-symbol poker-based pokie, which offered gamers the chance to win prizes such as drinks and cigars as opposed to cash prizes.
All manner of variants on the slot machine concept started springing up across much of the globe over the following decades, offering a range of prizes from packs of chewing gum to healthy cash sums.
Plugging in – the advent of electromechanical slots
Whilst some slot machines had exhibited electromechanical features since the 1940s, the first fully electromechanical slot machine was created by Bally Technologies in 1963. Offering an attractive light display and attendant-free pay out of up to 500 coins, these Money Honey machines proved immensely popular, fast becoming pokie of choice for many gamers.
The rise of video slots
Video slots brought gaming well and truly into the modern world in the late 70s, when a prototype machine utilising a modified 19" Sony Trinitron color display first wowed the gamers of the Las Vegas strip.
Every hotel in Las Vegas has a sizable collection of slot machines. Pictured: The Venetian Las Vegas. Credit: Wikimedia Commons
Using digital displays in place of physical reels, video slots now enjoy major popularity in the world?s casinos, and are the main slot machine format in a number of markets, notably including Australia.
Logging on – Online pokies go live
Fast forward to 2013 and the face of gaming has changed totally. Those big old one-armed bandits are still standing and popular as ever in our drinking dens, casinos and arcades, but the widest range of slots can be found at online casinos like the notable collection expanding at Jackpot Capital (online slots). Free from the constraints of mechanical production, digital online slots offer just about as many themes, configurations and prizes as their programmers can dream up. With the pokies of the 21st Century, the possibilities are pretty much endless. Game on.


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Full Movie The Amazing Spider-Man 2 HDFull Movie The Amazing Spider-Man 2 HD with duration 142 Min and broadcast on 2014-05-02 with MPAA rating is 946.
Original Title : The Amazing Spider-Man 2
Movie title in your country : The Amazing Spider-Man 2
Year of movie : 2014
Genres of movie : Action, Adventure, Fantasy,
Status of movie : Released
Release date of movie : 2014-05-02
Companies of movie : Columbia Pictures, Sony Pictures,
Countries of movie : United States of America,
Language of movie : English,
Durationof movie : 142 Min
Average vote of movie : 6.9
Youtube ID of movie : DlM2CWNTQ84
Translation of movie : EN,PT,FR,ES,RU,DE,NL,IT,SK,HU,BG,SV,ZH,EL,HE,CS,KO,TR,PL,TH,DA,JA,FI,
Actors of movie :
- Andrew Garfield ( Spider-Man / Peter Parker )
- Emma Stone ( Gwen Stacy )
- Jamie Foxx ( Electro / Max Dillon )
- Dane DeHaan ( Green Goblin / Harry Osborn )
- Colm Feore ( Donald Menken )
- Felicity Jones ( Felicia )
- Paul Giamatti ( Aleksei Sytsevich )
- Sally Field ( Aunt May )
- Embeth Davidtz ( Mary Parker )
- Campbell Scott ( Richard Parker )
- Marton Csokas ( Dr. Ashley Kafka )
- Louis Cancelmi ( Man in Black Suit )
- Max Charles ( Young Peter Parker )
- B.J. Novak ( Allistar Smythe )
- Sarah Gadon ( Kari )
- Stan Lee ( Graduation Guest )
- Chris Cooper ( Norman Osborn )
- Frank Deal ( Agent Berkley )
- Denis Leary ( Captain Stacy )
- Martin Sheen ( Uncle Ben )
- Chris Zylka ( Flash Thompson )
No more secrets.
The Amazing Spider-Man 2 Synopsis:
Full Streaming The Amazing Spider-Man 2 For Peter Parker, life is busy. Between taking out the bad guys as Spider-Man and spending time with the person he loves, Gwen Stacy, high school graduation cannot come quickly enough. Peter has not forgotten about the promise he made to Gwen's father to protect her by staying away, but that is a promise he cannot keep. Things will change for Peter when a new villain, Electro, emerges, an old friend, Harry Osborn, returns, and Peter uncovers new clues about his past.
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Director : Marc Webb, Producer : Avi Arad, Producer : Matt Tolmach, Production Design : Mark Friedberg, Editor : Pietro Scalia, Costume Design : Deborah Lynn Scott, Screenplay : Alex Kurtzman, Screenplay : Roberto Orci, Screenplay : Jeff Pinkner, Story : James Vanderbilt, Director of Photography : Daniel Mindel, Makeup Artist : Ve Neill, Story : Alex Kurtzman, Story : Roberto Orci, Story : Jeff Pinkner, Characters : Stan Lee, Characters : Steve Ditko, Music Editor : Nevin Seus, Original Music Composer : Johnny Marr, Original Music Composer : Hans Zimmer, Original Music Composer : Pharrell Williams, Casting : Kathleen Chopin, Art Direction : Kim Jennings, Supervising Art Director : Richard L. Johnson, Set Decoration : Susan Bode, Makeup Department Head : John Caglione Jr., Makeup Department Head : Stephen M. Kelley, Construction Coordinator : Joseph S. Alfieri, Set Designer : Tim Croshaw, Property Master : Sandy Hamilton, Set Designer : Noelle King, Art Department Coordinator : Douglas Poland, Greensman : Tim Zydel, Dialogue Editor : David V. Butler, Dialogue Editor : Sean Massey, Dialogue Editor : Robert Troy, Sound Effects Editor : Luis Galdames, Sound Effects Editor : Lee Gilmore, Sound Effects Editor : Hamilton Sterling, Foley : Robin Harlan, Foley : Sarah Monat, Boom Operator : Kira Smith, Supervising Sound Editor : Addison Teague, Sound Designer : Eric A. Norris, Special Effects Coordinator : Joe Digaetano, Visual Effects Supervisor : Ashley Beck, Visual Effects Supervisor : Don Lee, Visual Effects Producer : Kim Lee, Visual Effects Supervisor : Gregory L. McMurry, Stunt Coordinator : Andy Armstrong, Stunt Coordinator : James Armstrong, Costume Supervisor : Nicole Greenbaum, Costume Supervisor : Lisa Lovaas, Costume Supervisor : Donna Maloney, Transportation Captain : James Fanning, Studio Teachers : Donna Belsky, Location Manager : Jason Farrar,
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Hawaiians had a ceremony called Hiuwai. Commonly thought today to only be a ceremonial cleansing ocean immersion, it was also a game with the splashing of each other. Mahalo to La'akea and Mary Kawena Pukui for sharing aspects of Hiuwai. Looks like fun to me...
Thursday, May 27, 2010
Posted by Ka`iana at 6:37 PM
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For the past two years, I've slept in my room at my childhood home, with my parents and sibling only a few feet away. We were a family again, a team.
Recently, I joined a new team. I moved into an apartment with my boyfriend of nearly seven years. It's strange because the last time we lived in the same zip code was eight years ago. We've gone from living most of our time together apart to sharing the same space and belongings.
My parents helped us move in, and we got most of our items in order fairly quickly. But that first night is when it hit me; just like the day they dropped me off at college. I was almost as sad as they were. Even though I knew I would see them that upcoming weekend, it felt strange not living with them.
And on that first night in our new place, I started shedding a few tears. His head was on my chest, and I quickly wiped them away. But, as the evening wore on, I couldn't stop thinking about what my family was doing, and how, at this moment, I should be with them. So, more tears started falling, until I eventually couldn't take it and ran into the bathroom, slammed the door, and sobbed.
My boyfriend, Matt, then opened the door and took a seat on the floor next to me. He tried to wipe away the tears and get me to confess what had made ounces of water stream down my face. I just can't tell him, I thought, it's so stupid. I miss my family? Seriously!? We'd been waiting for ages to be able to live together, and now that we've finally gotten the chance to, I miss my old living situation?
Instead of asking more questions, he took me into his chest and cradled me like a child. He told me jokes, and I looked up at his face and laughed at each one.
More than two months have gone by, and I'm happy to report that my first night in the apartment was the only night I thought about my family and cried. Thank goodness that didn't stay consistent, and, neither has other aspects of our relationship.
We argue now more than we ever have in the past. I can't stand it when clothes and other belongings are left lying around in the open, or when things like toothpaste and other bottles aren't put back in their original cabinets, yet, these situations occur all the time. We go back-and-forth about what to do for dinner, what's happening this weekend, upcoming vacations, friends, when we should see our families again; everything is a one, big discussion. Decisions used to be easy for us; maybe it was because we had a while to plan it out before we saw one another.
Sometimes, we come home and go our separate ways. This part is still weird for me because prior to living together, every moment we got to spend around each other was sacred. Now, we've become so used to seeing each other all the time that it's as if we think, eh, we'll hang out later. And, maybe because it's summer, we seem to have our own schedules and activities on the weekends. Recently, I booked a dinner cruise for the two of us, just so that we could get the chance to reconnect. The cruise lasted two hours, but it felt like we barely got a, "how you doin?'" in there.
If I'm making it sound like everything has just been awful, it hasn't! I feel more connected to Matt than I have in the last seven years. I like that we can start making bigger decisions together about bills, home décor, how we spend our time, and more. I also love the fact that I get to sleep next to him every night, even though we're both bed hogs. And, yes, we can have sex every day if we feel like it! Our neighbor upstairs may not like it, but we can do it if we want!!
More than anything, I just love the fact that he's here, and that I can feel his presence…even if we're not in the same room together…like right now. Currently, he's just a shout away, instead of a phone call and 45 minutes…ah, priceless.
Granny Smith – over and out


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Place Name: Hiroshima Electric Railway (Hiroden) - 広島電鉄 (広電)
Type: Railway 鉄道
Location: Hiroshima City, Hiroshima Prefecture, Chukoku Region, JAPAN
Distance: 35km
Number of Stations: 83
Homepage: http://www.hiroden.co.jp/en/
On the inner city lines, with the exception of the Hakushima Line, a flat rate fare of ¥150 is charged upon exiting the train. The Hakushima Line is only ¥100 per ride. Transfer tickets are available. From Nishi-Hiroshima to Miyajima-guchi a fare based on distance is charged and boarding slips are available on the train or from machines at the station. For those who live in the city there is an IC card called PASPY that also can be used on some busses and JR West trains. For tourists there are two one-day passes. The first covers all the trains for ¥600 and second covers trains and the Miyajima ferry for ¥840. A two-day pass for ¥2,000 offers trains, ferry and ropeway access. Remember to run the card through the reader when you get on and when you get off the train.
|Shiyakusho-mae Station [市役所前駅]
Hiroshima Electric Railway, or Hiroden [広電] as the locals call it, is Japan's largest and most used streetcar system. There are eight routes on seven lines using a total of 35km of track. 18.9km of Hiroden's track lies in the middle of the road with the normal traffic. This section of the track is called the "inner city lines" [市内線]. The remaining 16.1km from Hiroden Nishi-Hiroshima Station [広電西広島] to Hiroden Miyajimaguchi Station [広電宮島口] is called the Miyajima Line [宮島線]. It runs free from traffic on its own right of way. Leaving Hiroshima Station, one can ride all the way to Miyajimaguchi without changing trains passing a total of 40 stations and taking just over an hour. This is the red #2 line. The newest and largest trains run this line.
|Eba Station [江波駅]
The company also owns a hotel in the city, operates city bus lines, and holds stock in other transportation companies including the Miyajima Matsudai ferry. Hiroshima is one of Japan's most visited locals outside of Tokyo and Hiroden competes with JR for foreign tourists to the city and Miyajima. They offer a two day one night tourist package that includes the streetcars, ferry, Miyajima Ropeway, hotel stay with some meals for $130 which is not a bad idea if you plan on visiting.
|Rakurakuen Station [楽々園駅]
Hiroden has purchased and maintains old train cars from other city's streetcar operators. Some of which are now defunct. Cars from Tokyo, Kobe, Osaka, and Hanover, Germany are still in operation on Hiroden's inner city lines. Two very special cars that survived the atomic bomb blast in 1945 also still run on the lines.
The beginnings of the Hiroshima street car began 100 years ago thanks to a plan to reclaim the land once used by the moats around Hiroshima castle. As the city grew and modernized through the Taisha era more lines and routes were planned. Ten years after it's foundation in 1922 the Miyajima Line was opened.
|Dobashi Station [土橋駅]
As the Pacific War became the Second World War more and more stresses were put upon the railway. Soon most of the able bodied men working as drivers and conductors were conscripted into military service. Women were soon trained to take the men's places on the trains and busses. Under orders from the government a new line was made to the port to support the military.
The atomic bomb was dropped on Hiroshima on August 6th, 1945. 185 students and teachers Hiroden's girls school perished and 266 others were injured. Of the 123 cars in operation at the time 108 were destroyed. Despite the massive losses in infrastructure, one section of the line was running only 3 days after the bombing.
By 1947 most of the lines were restored to service. Into the 1950s Hiroden modernized the rolling stock and the readjusted of the lines to match the postwar reconstruction of the city. In the late 50's the Miyajima ferry and ropeway begun operation. Hiroden then expanded into highway buses and land development through the 80s. 1997 brought about new trains as urban transit was undergoing a global resurgence. From the 90's to today Hiroden has been rebuilding, modernizing stations, and improving accessibility where possible.
I found the lines to be a pleasure to ride. The terminal stations, especially Hiroshima Port Station [広島湾], are well designed and each is unique. The difference in ride among the many types of trains was enjoyable especially for fan like myself. While modern in parts, there are many old and retro sections of the track. The section between Dobashi [土橋] and Hiroden Nishi-Hiroshima [広電西広島] in particular.
|Hiroshima Port Station [広島湾]
(Most of the information about the history of the company was taken from the history on Hiroden's own website commemorating their 100th anniversary.)
|The one day trip card
EveryTrail - Find the best hikes in California and beyond


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Diabetes - preventing heart attack and stroke
People with diabetes have a higher risk for heart attacks and strokes. High blood pressure and high cholesterol increase this risk even more. Controlling blood pressure and cholesterol are very important for preventing heart attacks and strokes.
See the health care providers who treat your diabetes often. Your doctor will check your cholesterol, blood sugar, and blood pressure. You may be asked to take medicines.
A healthy lifestyle, especially watching how much you eat and exercising every day, can help prevent heart attack and stroke. A daily 30-minute walk will lower your risk.
Other things you can do to lower your risk are:
- Follow your meal plan.
- Exercise if you can.
- Do not smoke cigarettes. Talk with your doctor or nurse if you need help quitting.
- Take your medicines the way your doctor and nurse ask you to.
- Do not miss appointments.
When you have extra cholesterol in your blood, it builds up inside the walls of your heart's arteries (blood vessels). This buildup is called plaque. It narrows your arteries and reduces, or even stops, blood flow. This can cause a heart attack, stroke, or other serious heart disease.
Your doctor should check your cholesterol level at least once a year. Cholesterol target goals (in mg/dL) for adults are:
- Total cholesterol should be less than 200
- HDL ("good") cholesterol should be greater than 40 for men, and greater than 50 for women.
- LDL("bad") cholesterol should be less than 100 for men and women.
If you already have heart problems, your doctor may tell you that having an LDL level below 70 is better.
Your doctor may ask you to take medicines to lower your cholesterol. There are several kinds of drugs to help lower blood cholesterol levels. They work in different ways.
If you change your lifestyle and lose a lot of weight (and keep it off), you may be able to stop taking cholesterol medicine. Do NOT stop taking medications without first talking to your doctor.
Eat foods that are naturally low in fat. Learn how to shop for and cook foods that are healthy for your heart.
Getting plenty of exercise will also help. Talk with your doctor about what kind of exercise is right for you.
Blood Pressure
Have your blood pressure checked often. You can have it checked at a fire station or a drugstore. Your doctor and nurse should check your blood pressure at every visit. For most people with diabetes, a good blood pressure goal is less than 130/80 mm/Hg.
Exercising, eating low-salt foods, and losing weight (if you are overweight) can lower your blood pressure. If your blood pressure is too high, your doctor will prescribe drugs to lower it.
Before You Exercise
Getting exercise will help you control your diabetes and make your heart stronger. Always talk with your doctor before you start an exercise program or before you increase the amount of exercise you are doing. Some people with diabetes may have heart problems and not know it because they do not have symptoms.
Taking Aspirin May Help
Taking aspirin every day lowers your risk for heart attacks. The recommended dose is 81 mg a day. Do not take aspirin without talking to your doctor first. Ask your doctor about taking an aspirin every day if:
- You are over 50 years old (men) or 60 years old (women).
- You have had heart problems.
- People in your family have had heart problems.
- You have high blood pressure or high cholesterol levels.
- You are a smoker.


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Think Baby's Bottle, Binky and Sippy Are Safe? Not Necessarily
Feb 2016
You'd think these baby products would be all clear for baby's use, but a new study in Pediatrics, "Injuries Associated with Bottles, Pacifiers and Sippy Cups" suggests that babies moving around while carrying a bottle, pacifier or sippy cup might be prone to serious injuries. According to the National Electronic Injury Surveillance System (which is a survey of about 100 hospitals nationwide), over 45,000 children under the age of three were treated in the emergency room between 1991-2010 — that's one child every four hours. Of these injuries, 86 percent occurred from falls while using the products and 83 percent of the falls resulted in injuries to the mouth and face. Two-thirds of these injuries happened among one-year-olds, who are most unstable while walking. Injuries included bruising and minor dental damage.
The American Academy of Pediatrics recommends making the transition from bottle cup by the time baby's one year old to prevent injuries and help baby get used to them more quickly. The AAP also recommends weaning babies off pacifiers between six to 12 months old. Parents can prevent injuries by keeping a close eye on their babies while they're using bottles, pacifiers or sippy cups. Also, if possible, parents should keep their child seated when drinking.
Do you monitor your baby when he's using a pacifier, sippy cup or bottle? Are you worried about baby injuring himself while using these products?


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The Matt Hicks interview: Whaleoil, Radio NZ 2 & the death of public broadcasting
The very interesting Matt Hicks interviewed me on a range of topics from Cameron Slater to Radio NZ 2 and the death of public broadcasting.
I also give some insight as to what I am launching on March 1st. It's worth a look.


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How quickly does Anavar work? Anavar works quickly, youre be seeing results quickly. A typical Anavar cycle is roughly 4 to 6 weeks. Some users take up to 20mg of Anavar a day, this is high and will most likely result in side effects. Is Anavar dangerous? Anavar does have some side effects, the most common side effects are hormone suppression; acne and liver toxicity.
Is Anavar legal? Anavar is the brand name for the chemical compound 'Oxandrolone,' which belongs to the class 'Androgen and Anabolic Steroid (AAS).' This steroid is extensively used in medical therapeutics and sports supplementation and is illegal for sports supplementation in many countries. What does Oxandrolone do to your body? Oxandrolone is an anabolic steroid that promotes the growth of muscle tissue. Oxandrolone is used to help you regain weight lost after surgery, severe trauma, or chronic infections. Oxandrolone is also used to decrease muscle loss caused by using steroid medicines and to reduce bone pain in people with osteoporosis.
How can you tell if someone is taking steroids? Signs of steroid use include acne, rapid muscle/weight gain, enlarged breasts, paranoia, hyperactivity and facial hair growth. Does Anavar cause depression? Anavar side effects include nausea, vomiting, headache, skin colour changes, increased/decreased sexual interest, oily skin, hair loss, and acne. Tell your doctor if any of these unlikely but serious side effects occur; mental/mood changes (such as anxiety, depression, increased anger), trouble sleeping or snoring.
Will Anavar help me lose weight? Anavar is a steroid that can be used weight loss. Unfortunately, anabolic steroids can have serious side effects. Lean muscle is a crucial part of weight loss, so being able to build up your lean muscle mass while shedding the body fat is the best approach to losing weight. How much does Anavar cost? The cost for Oxandrolone oral tablet 2.5 mg is around £155 for a supply of 30, depending on the pharmacy you visit. How do you take Anvarol? Anvarol is very easy to use as it requires you to have three capsules 15 minutes after working out. You should take them with water and do so once a day. The bottle comes with 30 servings, and the serving size is 3 capsules per day. The best results will occur after about two months of using Anvarol users say.
Will Anavar cause hair loss? Steroids are thought to create male hair loss by causing your body to produce higher levels of dihydrotestosterone (DHT). Having too much DHT in the body is one of the main causes of baldness in men. DHT causes the hair follicles on your scalp to die and stop growing back, which results in baldness. Do steroids show up on a drug test for work? A urine test aka urinalysis is the most commonly administered test to detect the use of anabolic steroids. The metabolites of the steroids or high levels of testosterone are detectable in the donor's blood from 14 to 28 days of the intake. The laboratory then performs two urine tests to detect the use of steroids, so yes steroids do show up on a drug test that you would have at work.
Is Turinabol a testosterone? Turinabol is an oral Androgenic Anabolic Steroid (AAS). It is a synthetic, man-made drug that works the same way as testosterone. Drugs like Turinabol were originally used for the treatment of delayed puberty in boys, anaemia, muscle loss due to HIV and breast cancer. Is Crazybulk a steroid? Crazybulk products are intended to boost the results of your workouts and enhance overall energy levels. They offer a range of products known as Legal Steroids that may provide similar results as illegal steroids. Anabolic steroids are known for causing a wide range of side effects.
Is Anadrole safe? Anadrole is safe for healthy individuals and it should not be taken by pregnant women and people under 18 years of age. If you are suffering from any chronic illness, then it is better to consult your doctor before taking the supplements. Overdosing on Anadrole can lead to serious problems. How do you take Testo Max? Four capsules of Testo-Max should be taken daily, about 20 minutes before breakfast. How to use Testo Max; it should be taken consistently for 2 months, followed by a 1.5 weeks break. It should be taken daily on both workout and non-workout days. It should be used for bulking and cutting cycles.
Does Anavar cause kidney problems? Some people using anabolic steroid medicine have developed life-threatening side effects of the liver, spleen, and blood vessels. These conditions can occur without warning or symptoms and can lead to liver failure, internal bleeding, cancer, stroke, heart attack, or death. Can Anavar cause stomach problems? All drugs may cause side effects, call your doctor or get medical help if any of these side effects or any other side effects are noticed; upset stomach, vomiting or change in skin colour.
Does Oxandrolone increase Testosterone? Clinical trials of efficacy; numerous studies have investigated oxandrolone therapy in boys with CDGD. The studies have found that oxandrolone increases growth velocity in these boys. The typical response is an increase in growth velocity from approximately 4 to 4.5 cm/year up to 8 to 9 cm/year. Will my Testosterone levels return to normal after steroids? With medical help, virtually all men can achieve physiologic levels of testosterone within 3 to 4 months of treatment. However, the response varies with baseline hormone levels and duration and dose of steroid use. Sperm production normalises in 90% of men by one year.
What does steroids do to a relationship? Anabolic steroids are drugs that help the growth and repair of muscle tissue. They are synthetic hormones that imitate male sex hormones, specifically testosterone. They can increase lean muscle mass, strength and endurance, but only if used in conjunction with exercise and diet regimes. What do steroids do to a man? Anabolic steroids are used to build up muscle. Corticosteroids are used to dampen overactive immune responses and reduce swelling. The anabolic steroids abused by athletes are synthetic versions of testosterone, a male hormone. Both men and women naturally produce testosterone.
Do steroids affect you sexually? Steroids can make someone feel more sexually confident and boost their sex drive and as a result they might be more likely to risk getting or passing on HIV. But steroids can also weaken sex drive and cause erection problems. Testicles may shrink as the body no longer needs to make its own testosterone. What is moon face? Moon face is a medical sign in which the face develops a rounded appearance due to fat deposits on the sides of the face. It is often associated with Cushing's syndrome or steroid treatment (especially corticosteroids), which has led to it being known as Cushingoid facies.
What happens when you stop taking steroids? Steroid use cannot be stopped abruptly; tapering the drug gives the adrenal glands time to return to their normal patterns of secretion. Withdrawal symptoms and signs (weakness, fatigue, decreased appetite, weight loss, nausea, vomiting, diarrhoea and abdominal pain) can mimic many other medical problems. Do steroids make you lose weight? Steroids affect your metabolism and the way your body stores fat. At first, much of your weight gain will be due to water retention. But over time, your body fat may increase as well. Corticosteroids tend to increase your appetite, prompting you to eat more than you need.
How do you take Oxandrolone? Oxandrolone is usually taken two to four times a day. To help you remember to take oxandrolone, take it around the same times every day. Follow the directions on your prescription label carefully and ask your doctor or pharmacist to explain any part you do not understand. Take oxandrolone exactly as directed. What are the side effects of Oxandrolone? Side effects of Oxandrin (Oxandrolone) include, an allergic reaction, swelling of the arms or legs, voice changes, new or worsening acne, difficulty sleeping, headache, or changes in sexual desire.
What are the benefits of taking Anavar? Oxandrolone, sold under the brand names Oxandrin and Anavar among others, is an Androgen and Anabolic Steroid (AAS) medication which is used to help promote weight gain in various situations, to help offset protein catabolism caused by long-term corticosteroid therapy and to support recovery from severe burns. How do you take 10mg Oxandrolone? Take Oxandrolone by mouth usually 2 to 4 times daily or as directed by your doctor. It may be taken with food or milk if stomach upset occurs. Dosage is based on your medical condition and response to treatment. Use Oxandrolone regularly to get the most benefit from it.
How do you take Clenbutrol? Dosage and administration; Clenbuterol as used for weight loss or performance enhancement can be acquired as a tablet, liquid, or injection. People using Clenbuterol for this purpose typically use between 0.06 and 0.12 milligrams per day, which is higher than the recommended dosage for asthma treatment. Will hair grow back after steroids? Alopecia is unpredictable, hair may start growing back at any time, but it may fall out again. It's not possible to know when it might fall out or grow back. Do steroids make your hair fall out? Taking steroids, you may experience hair loss or permanent male pattern baldness. Testosterone replacement therapy to treat low testosterone (low T) can cause hair loss. The use of anabolic steroids for muscle-building can also cause hair to fall out.
Does military test for steroids? Officials do not routinely test for steroids unless abuse is suspected. Service members know that steroid use is illegal unless prescribed by a physician and its a violation of their code of conduct. Is taking steroids illegal? The possession or sale of anabolic steroids without a valid prescription is illegal. What drugs can cause a false positive on a drug screen? Drugs that can cause a false positive on drug tests include Amitriptyline (Amitril), Bupropion (Wellbutrin), Dextromethorphan (Robitussin, Delsym), Diltiazem (Cardizem), Diphenhydramine (Benadryl), Ibuprofen (Motrin, Advil), Naproxen (Aleve) and Metformin (Glucophage).
How much testosterone should I inject to build muscle? As prescribed by a doctor, but in general the dosage is 50 - 400 mg injected into your muscle every 2 - 4 weeks. Dosage increases; your doctor may adjust your dosage based on your testosterone blood levels, response to treatment and side effects. What is Tren steroid? Trenbolone acetate, sold under brand names such as Finajet and Finaplix among others, is an Androgen and Anabolic Steroid (AAS) medication which is used in veterinary medicine, specifically to increase the profitability of livestock by promoting muscle growth in cattle. It is given by injection into muscle.
What is the steroid Turinabol? Chlorodehydromethyltestosterone (CDMT; brand name Oral Turinabol) is an Anabolic Androgenic Steroid (AAS). It is the 4-chloro-substituted derivative of metandienone (dehydromethyltestosterone). Does Anavar cause anger? Side effects; anger, nausea, vomiting, headache, skin colour changes, increased/decreased sexual interest, oily skin, hair loss and acne may occur. Tell your doctor right away if any of these unlikely but serious side effects occur; mental/mood changes (such as anxiety, depression, increased anger), trouble sleeping or snoring. How much does Anadrol cost? The recommended daily dose of Anadrol-50 is 1-5 mg/kg body weight per day. The usual effective dose is 1-2 mg/kg/day, but higher doses may be required, and the dose is individualised. Response is not often immediate, and three to six months should be given.
What are the side effects of Oxymetholone? The common side effects of Oxymetholone include depression, lethargy, headache, swelling, rapid weight gain, priapism, changes in skin colour, urination problems, nausea, vomiting, stomach pain (if taken on an empty stomach), loss of appetite, jaundice, breast swelling in men, feeling restless or excited and insomnia. Is Anadrol liver toxic? Anadrol usage indicates minimal side effects with liver toxicity, but that is not a certainty since oral anabolics are known for liver toxicity. It is metabolised in the kidney and acts without the masculinising side effects associated with other steroids, such as Anadrol-50.
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Code of Ethics
The Cuyahoga Falls Library recognizes the importance of codifying and making known to the profession and to the general public the ethical principles that guide the work of librarians, other professionals providing information services, library trustees, and library staffs.
Ethical dilemmas occur when values are in conflict. The American Library Association Code of Ethics states the values to which we are committed, and embodies the ethical responsibilities of the profession in this changing information environment.
We significantly influence or control the selection, organization, preservation, and dissemination of information. In a political system grounded in an informed citizenry, we are members of a profession explicitly committed to intellectual freedom and the freedom of access to information. We have a special obligation to ensure the free flow of information and ideas to present and future generations.
The principles of this Code are expressed in broad statements to guide ethical decision making. These statements provide a framework; they cannot and do not dictate conduct to cover particular situations.
1. We provide the highest level of service to all library users through appropriate and usefully organized resources; equitable service policies; equitable access; and accurate, unbiased, and courteous responses to all requests.
2. We uphold the principles of intellectual freedom and resist all efforts to censor library resources.
3. We protect each library user's right to privacy and confidentiality with respect to information sought or received and resources consulted, borrowed, acquired or transmitted.
4. We recognize and respect intellectual property rights.
5. We treat co-workers and other colleagues with respect, fairness and good faith, and advocate conditions of employment that safeguard the rights and welfare of all employees of the Library.
6. We do not advance private interests at the expense of library users, colleagues, or the Cuyahoga Falls Library.
7. We distinguish between our personal convictions and professional duties and do not allow our personal beliefs to interfere with fair representation of the aims of the Cuyahoga Falls Library or the provision of access to its information resources.
8. We strive for excellence in the profession by maintaining and enhancing our own knowledge and skills, by encouraging the professional development of co-workers, and by fostering the aspirations of potential members of the profession. In conjunction with the above, the Cuyahoga Falls Library also adopts the following as its Code of Ethics.
Policy Statement
It is policy of the Cuyahoga Falls Library to carry out its mission in accordance with the strictest ethical guidelines and to ensure that the Library's employees conduct themselves in a manner that fosters public confidence in the integrity of the Cuyahoga Falls Library, its processes, and its services.
General Standards of Ethical Conduct
Cuyahoga Falls Library officials and employees must, at all times, abide by protections to the public embodied in Ohio's ethics laws, as found in Chapters 102. and 2921. of the Ohio Revised Code, and as interpreted by Ohio Ethics Commission and Ohio courts. (A copy of these laws is provided by the Library, and receipt acknowledged, as required in R.C. 102.09 (D).) Officials and employees must conduct themselves, at all times, in a manner that avoids favoritism, bias, and the appearance of impropriety.
A general summary of the restraints upon the conduct of all officials and employees includes, but is not limited to, those listed below. No official or employee shall:
1. Solicit or accept anything of value from anyone doing business with the Library;
2. Solicit or accept employment from anyone doing business with the Library, unless the official or employee completely withdraws from Library activity regarding the party offering employment, and the Library approves the withdrawal;
3. Use his or her public position to obtain benefits for the official or employee, a family member, or anyone with whom the official or employee has a business or employment relationship;
4. Be paid or accept any form of compensation for personal services rendered on a matter before the Library, unless the official or employee qualifies for the exception, and files the statement, described in R.C. 102.04(D);
5. Hold or benefit from a contract with, authorized by, or approved by, the Library, (the Ethics Law does except some limited stockholdings, and some contracts objectively shown as the lowest cost services, where all criteria under R.C. 2921.42 are met);
6. Vote, authorized, recommend, or in any other way use his or her position to secure approval of a Library contract (including employment or personal services) in which the official or employee, a family member, or anyone with whom the official or employee
has a business or employment relationship, has an interest;
7. Solicit or accept honoraria (see R.C. 102.01(H) and 102.03(H);
8. During public service, and for one year after leaving public service, represent any person, in any fashion, before any public agency, with respect to a matter in which the official or employee personally participated while serving with the Library;
9. Use or disclose confidential information protected by law, unless appropriately authorized; or
10. Use, or authorize the use of, his or her title, the name "Cuyahoga Falls Library," or "CFL," or the Library's logo in a manner that suggests impropriety, favoritism, or bias by the Library or the official or employee.
For purposes of this policy:
• "Anything of value" includes anything of monetary value, including, but not limited to, money, gifts, food or beverages, social event tickets and expenses, travel expenses, golf outings, consulting fees, compensation, or employment. "Value" means worth greater than $25.
• "Anyone doing business with the Library" includes, but is not limited to, any person, corporation, or other party that is doing or seeking to do business with, regulated by, or has interests before the Cuyahoga Falls Library.
Failure of any Cuyahoga Falls Library official or employee to abide by this Ethics policy, or to comply with the Ethics Law and related statutes, will result in discipline, which may include dismissal, as well as any potential civil or criminal sanctions under the law.
This policy may be changed only by majority vote of the Board of Trustees of the Cuyahoga Falls Library and the William and Margaretta Taylor Memorial Association.
Approved by the Cuyahoga Falls Library Board of Trustees, October 19, 2004


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UPDATE ON REGULATORY MATTERS! From updates on studies of mortars to proximate pyrotechnics, this two-volume set has all you need. Get the latest from the NFPA on An Overview of Proposed Requirements for Launching Floating Vessel Fireworks Displays; Learn from CERL with Loads Resulting from the Recoil of Fireworks Mortars and The Challenge of Classifying Fireworks by the UN System; Plus much more! All this covered in two volumes, 592 pages.


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This performance oriented ceiling mounted digital X-ray system with a fixed or wireless detector, motorized auto-tracking, a fully digital workflow, and UNIQUE image processing, delivers diagnostic quality images for fast, efficient exams.
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By clicking on the link, you will be leaving the official Royal Philips Healthcare ("Philips") website. Any links to third-party websites that may appear on this site are provided only for your convenience and in no way represent any affiliation or endorsement of the information provided on those linked websites. Philips makes no representations or warranties of any kind with regard to any third-party websites or the information contained therein.
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Information, guidance, and support for young musicians throughout their musical and personal development.
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As I am an archaeologist and it is 2015, today I am about to start my very first class of the course "Accounting and Managerial Finance".
I know, people have always cringed when they saw words such archaeology and business in the same sentence, without a vs. to separate them.
But, as I said, it is 2015 and being an archaeologist today entails having many different skills and responsibilities. And they are not always taught in the archaeology faculty.
Deep down, I've always known it. But it is only thanks to the book "Archeostorie. Unconventional handbook of real-life archaeology" that I became fully aware of how many archaeologists in Italy over time felt the need to 'crossbreed' with other professions.
"Archeostorie" provides a window into the daily lives of archaeologists in Italy: 34 professionals gathered together to tell the world their own experience. The resulting picture is basically a statement: being an archaeologist today implies and refers to much more than the classical archaeologist brandishing a trowel!
During the past two decades, archaeological practice has been transformed by internal and external forces, requiring archaeologists to develop new skills and ethical principles for the practice of archaeology in all its applications. This also means, that at some point in his/her career over the past two decades, every archaeologist has found his/herself lacking in some area of vital importance.
For me, that I have a background in cultural heritage management, that area is business administration.
Fundamentally any museum or archaeological site is a business, in the sense that money (or in most cases, the lack of) is part of any decision taken. You can't (and shouldn't) run an archaeological site just with volunteers. And even if you did, you would still have boring bills to pay.
There you go, money is everywhere.
Particularly in this historical moment of political uncertainty, economic recession and social pressure – exactly when the global community would need its cultural resources more than ever – money is the major constraint.
Someone could argue that this is no job for an archaeologist, to manage money – you have professional financial managers that can do that for you.
Of course, I am not saying we don't need them at all –we do! – but my reply, however, would be: they are not cross-eyed.
They are not trained to look at the books and at the same time considered which wall of that domus is to be prioritised for a conservation intervention. And they are not trained to put together a budget for a proposal while looking at the long-term goals of the community engagement strategy either.
There is a need for a hybrid.
Being able to use our resources wisely, being creative in the way we traditionally fund archaeology and being able to maximise benefits produced by archaeology are, to me, the most pressing issues of my profession.
And this is also the reason why I spend summer days in Rome indoors, playing the CFO of imaginary companies on Excel spreadsheets (and I enjoy it!).
I want to be a cross-eyed archaeologist!