text:
Mumbai is a city of entertainment. From giving us endless opportunities to giving us the best nights and a plethora of other acts, the city which never sleeps is on a roll this month. Adding up to all the fab venues to visit and things to do in Mumbai, Plays and Theatre play key roles in the entertainment section that this city offers to us in addition to all the mind boggling events and latest movies. We here are keeping track of all the big things that might interest you this month and we have compiled a list of upcoming plays happening around you. If you loved bedtime stories and tales of lost lovers and traditional music, keep reading because this is the place for you to be at. Consider checking some of the best plays at Prithvi Theater and visit there for some exciting plays-
Nooran Sisters
Nooran Sisters follow the Sham Chaurasi Gharana and Mirasi traditions of music as Sufi singing is in their blood. Sultana and Jyoti's father Gulshan Meer, is not only their teacher and guru but is also a music composer. The family is originally from Lyallpur, and settled in Jalandhar post partition. So if you are craving some soul touching performance, don't even think twice, just come.
Date: November 03- 04, 2017
Location: Prithvi Theatre, Juhu Church Road, Mumbai.
Ansh Theatre Group's SPOT ON (Hindi)
Helmed by the very talented Makarand Deshpande, Spot on is the story about this common notion of missing out on the daily work which we are supposed to do. What happens when a scientist decides to go on strike? What are the consequences on him and his family? Spot On is for you to see, hear, feel and wake up.
Date: November 05, 2017
Location: Prithvi Theatre, Juhu Church Road, Mumbai.
The Back Benchers NAHA LE RE BHAI
Sometimes things are serious sometimes it's just your day to have an endless dose of laughter and crack up to some hilarious jokes. Naha Le Re Bhai is a satire on long winding court procedures and tardiness of the Indian judicial system. This comical play is inspired by a real life scenario, where a woman harrowed by her husband who refuses to have a bath, and files a divorce petition against him. Check this out if you are looking for something original and soul satisfying.
Date: November 06, 2017
Location: Prithvi Theatre, Juhu Church Road, Mumbai


text:
|A priest was being honored at his retirement dinner after 25 years in the parish. A leading local politician and member of the congregation was chosen to make the presentation and give a little speech at the dinner.
However, he was delayed, so the priest decided to say his own few words while they waited, "I got my first impression of the Parish from the first confession I heard here. I thought I had been assigned to a terrible place. The very first person who entered my confessional told me he had stolen a television set And, when questioned by the police, was able to lie his way out of it. He had stolen money from his parents, embezzled from his employer, had an affair with his boss's wife, taken illegal drugs. I was appalled. But as the days went on I learned that my people were not all like that and I had, indeed, come to a fine parish full of good and loving people."
Just as the priest finished his talk, the politician arrived full of apologies at being late. He immediately began to make the presentation and gave his talk.
'I'll never forget the first day our parish priest arrived," said the politician. "In fact, I had the honor of being the first person to go to him for confession."
Moral: Never, Never, Never Be Late!
|A preacher was making his rounds to his parishioners on a bicycle, when he came upon little Johnny trying to sell a lawn mower. "How much do you want for the mower?" asked the preacher.
"I just want enough money to go out and buy me a bicycle," said little Johnny.
After a moment of consideration, the preacher asked, "Will you take my bike in trade for it?"
Little Johnny said, "Mister, you've got yourself a deal."
The preacher took the mower and tried to start it. He pulled and pulled on the rope until he was dripping with sweat but the mower refuse to start.
The preacher called little Johnny over and said, "I can't get this mower to start."
Little Johnny said, "That's because you have to cuss at it to get it started."
The preacher said, "I'm a man of the church and I can't cuss. It's been so long since I've been saved that I don't even remember how to cuss."
Little Johnny looked at him happily and said, "Just keep pulling on that rope. It'll come back to ya."
|Three preachers sat discussing the best positions for prayer, while a telephone repairman worked nearby.
"Kneeling is definitely best," claimed one.
"No," another contended. "I get the best results standing with my hands outstretched to Heaven."
"You're both wrong," the third insisted. "The most effective prayer position is lying prostrate, face down on the floor."
The repairman could contain himself no longer.
"Gentlemen," he interrupted, "the best praying I ever did was hanging upside down from a telephone pole."
|Before celebrating a baptism, the deacon approached the young father and said solemnly, "Baptism is a serious step. Are you sure you're prepared for it?"
"I think so," the man replied. "My wife has made appetizers and we have a caterer coming to provide plenty of cookies and cakes for our guests."
"I don't mean that," the deacon replied. "I mean, are you prepared spiritually?"
"Oh sure," came the reply. "I've got a keg of beer and a case of whiskey."

subset: commoncrawl


text:
Science Advances
Supplementary Materials
This PDF file includes:
- Analytical PDF of megadrought
- fig. S1. Joint (2D) PDF of Southwest megadrought risk for a normalized drought indicator time series z′(t) with various changes in the mean (Δμ) and changes in the variance (δσ).
- fig. S2. Full range of changes in mean (Δμ) and variability (δσ) simulated by a CMIP5 model subset.
- fig. S3. Megadrought PDF for various combinations of seasonal changes.
- fig. S4. Reduction of variance in smoothed time series (Xw) as a function of smoothing window length (w).
- fig. S5. Two-dimensional PDF of prolonged drought risk computed from the analytical expression for megadrought probability.
- fig. S6. Megadrought 2D PDF for changes in mean and variance but for different autocorrelation characteristics of the underlying data.
Files in this Data Supplement:


text:
Over a month ago, I published an article that talked about whether or not we should pay off our mortgage early. We are getting to a point where we will max out our retirement accounts (401k, Roth IRA's) and will have a significant amount of extra cash every month.
We are trying to figure out if we should focus on paying off our mortgage early or invest in the stock market.
I suggest taking a look at that article for background on the different options we are considering. Here is a summary of the three options:
- Option #1: Pay the minimum amount of $1,525 on our mortgage and invest the rest into index funds. This amount doesn't include insurance or taxes.
- Option #2: Split the extra money between the stock market and paying off the mortgage early.
- Option #3: Focus 100% on paying off the mortgage early every month. We would have the mortgage paid off within 5-years.
Going into the discussion, I was leaning towards Option #3 (focus on paying off the mortgage early). I honestly didn't expect my perspective to change too much after publishing that article.
I've been fascinated by the response from the community, and I learned a ton.
Talking about whether or not paying off your mortgage early is a deeply personal discussion. There is no right or wrong answer.
Each of us has to decide our risk tolerance, consider our future cash flow, and when we want to retire. And even then, not everyone is going to make the same decision.
For this follow-up article, I wanted to create the ultimate guide on the benefits and cons of paying off your mortgage early and tackle the most common reasons people like or dislike each option. This is a lengthy post at almost 5,000 words. You've been warned. 🙂
Community Input Regarding Paying off the Mortgage Early
The community response was greater than I thought it would be. I was ecstatic to see people voicing their opinion, and the results are more interesting than I anticipated.
Paying Down Mortgage Early Poll
As part of the original article, I provided an opportunity for people to vote on which route they thought was the best option for our situation. A total of 47 people voted in the poll over one month (when the survey closed).
Below is the final results after the poll closed one month after publishing the article.
- 17% voted for Option #1 (8 votes)
- 36% voted for Option #2 (17 votes)
- 47% voted for Option #3 (22 votes)
Over 83% of people thought we should at least put some money towards paying off the mortgage early.
Maybe this is from the FIRE audience that came from my Twitter followers. But given I've heard that paying off your mortgage early is the unpopular opinion, I was expecting more people to vote for Option #1. But maybe this is limited to my social circle.
The 36% who voted for Option #2 does show there is a good chunk of people who don't want to 100% ignore the market over the first 5-year time period. Very interesting indeed!
Here are some comments that people posted on the original article. This order matched when they posted.
I would vote to pay off that Mortgage! This may not end up being the most financially beneficial decision in the long run, but nothing lets me sleep better at night not having a mortgage payment. It has been a major overall benefit to my mental health.Penny Pinching Ninja
The main question that I asked was this: If your house was paid off, would you take out a $300k mortgage so that you could invest it? If you wouldn't, then you probably should pay off the mortgage.Nathan @ Life Before Budget
I wholeheartedly agree with Penny Pinching Ninja that the psychological benefits of not having a mortgage are huge! But specific to your situation, I know you said you want to take the emotion out of it, and I get why, but I think it's actually a super important factor here.PhiaFreedom101
We paid off the second home because we were not certain about the future of our jobs, wanted a psychological boost by being debt free, and were already investing above average (but not like superstars). Now we have the option to invest like superstars, have the option to have a second child and afford daycare, and we just feel good.Savvy History
It really is math vs psychology. I struggle with this same dilemma. So far I have chosen #2. I was thinking when my brokerage account value equaled my mortgage I would just pay off the mortgage balance. But the closer I get to that crossroads, the more I realize I don't think I will be able to pull the trigger because I like the liquidity of that large brokerage account earning market returns. I still aim to have my mortgage paid off in < 10 years.Shawn @ The Smart Fi
In my opinion, if I had the option of $245,000 in investments or a paid off mortgage this instant, I would take the paid off mortgage. The freedom that would come after removing a $1,5000 expense would be amazing, and I could literally do anything I wanted with my time and life.Erik from The Mastermind Within
Great "problems" and well thought out options. I'd pick a 4th option. Refi into a 15 year and pay the minimum. Stockpile funds for college. Great post!Tim
A common element with those who wanted to pay off the mortgage early was peace of mind and the lowered monthly expenses.
SusieQ to the rescue!
@IQbySusieQ contacted me about writing an article that took a more in-depth look into the math. She has a much deeper understanding of the calculations, and I found it enlightening to see how the numbers turned out for each option. It took some time for me to understand exactly how the math worked (yes, I'm a programmer that is not great with math, lol). But at some point, the numbers and the concepts started to make sense.
Because of her in-depth analysis, Option #1 started to look more appealing. Let's look at how @IQbySusieQ challenged my perspective.
Reframing the Paying Off Mortgage Early Discussion
When I was thinking about whether or not it made sense to pay off the mortgage early, my mind kept on coming back to how awesome it would be not to have to worry about the $1,525/mo mortgage payment. And looking at the community response, I'm not the only one that focused on this benefit.
That is a significant amount of money, and it would be fantastic not to have to worry about that expense.
However, what @IQbySusieQ made clear was that we have a high likelihood of paying off our mortgage loan under any of the three options outlined in my post whether we invest or pre-pay over that same time frame (if that is what we decide to do).
The question turned from whether or not we should pay off the mortgage early, to which option is going to lead us to the strongest financial position in 10-15 years.
Let's take a closer look at comparing Option #1 vs. Option #3.
It's All About Options
The money we use to pay off our house is not liquid until we sell. If the market ends up tanking, we are going to want to get into the market to capture those gains before it recovers. But if we ignore the market and focus on paying down our mortgage, we are limiting the returns from that money to only saving the amount of interest we would pay on the mortgage.
We also have to consider that saving the $1,525/mo expense is not limited to Option #3; we should have the option to pay off the mortgage early with all three options.
And I'm not saying we are eliminating the option to pay off our mortgage early, but by focusing on Option #1 (investing all extra capital into the stock market), we provide ourselves more flexibility in what to do with that money. And we open up the possibility that we could end up making more money.
There is also the option that we could switch between both options at any point if there is a compelling reason to do so. But I'm becoming more hesitant to use our monthly income to pay down the mortgage directly, as it does limit our options and reduces the opportunity for that money to grow larger.
Monthly Expenses
The amount of money in our taxable investment account will grow from our monthly deposits, appreciate (hopefully) and grow from dividends. The amount we would save in our monthly expenses having the mortgage paid off, will be made up with how much this balance grows on its own (especially as it gets larger after a few years).
I mention this because when people talk about paying off their mortgage early, reduced monthly expenses is at the top of the list.
However, even if we do not pay off the mortgage early, we are not giving up the benefit in not having that $1,525/mo mortgage expense. We are just redirecting where that money shows up, and opening up the possibility of making more money.
Eliminating the $1,525/mo expense in our monthly budget within 5-10 years is less of a concern for our scenario. Which transitions well in talking about cash flow.
Cash Flow
If we end up retiring early, we will want to reduce our monthly expenses. But given that our cash flow is not a significant concern for the next 5-10 years, we are fine budgeting for the $1,525 minimum mortgage payment until we figure out what we want to do.
"But Chris, what if your situation changes?"
And this is the beauty about Option #1. If we wanted to pay off the mortgage in 5-years, it is likely we will be able to do so.
If we extend this timeframe to 10-years, which is when we are considering downsizing, our mortgage balance will be less ($221,437), and there is little chance we won't have enough money in our taxable account to not cover the mortgage (if that is what we want to do).
And I want to repeat this point because it took time for this to sink in for me. If our situation drastically changes, where cash flow becomes an issue, we have the option in liquidating part of our taxable investment account and paying off the mortgage at any point after 5-years.
Of course, we may not know we are going to have a severe cash flow problem until it is smacking us in the face.
But there are several factors to consider. Both Andrea and I work, and the chance of both of us losing our jobs that we can't replace in some capacity is low. My skills transfer to other jobs (I can work with Drupal, WP, PHP applications, JS, etc.), and I doubt these positions are going to vanish at the same time. Assuming I keep my mental faculties in place, my vision, and don't lose my arms, I should be able to continue working.
What is interesting with focusing on Option #1, as @IQbySusieQ points out, the longer we are in the market and don't sell, the less likely we will lose money on our principal. As the balance grows, it will be easier to absorb the ups and downs of the stock market.
The more I thought about this, the more I realized this taxable account is like growing a cash cow. The bigger it gets, the more income it will produce, and the more compound interest will play in generating more money.
Stock Market Risk
My biggest hesitation with Option #1 is related to the risk of having so much money in the stock market. If we end up deciding we want to pay off the mortgage in full in the future before we sell, I was concerned that timing the stock market could end up making this not a smart move.
But the benefit of our scenario is that our timeline is flexible.
For example, if we decide we want to get rid of the mortgage after five years, and the market is way down at that point, we can adjust our plan to wait things out. As long as our timeline stays flexible, and assuming our income is stable, we can adapt our timing as necessary. Or we could sell the house at that point, and avoid touching our taxable investment account (like getting a new mortgage for a new house if we want to downgrade).
And then I started thinking about the downsides of Option #1. What scenarios could happen that makes not paying off the mortgage early suboptimal?
Let's assume the market starts to tank in early 2020. Wouldn't that be bad? Not at all! That would be a good thing, as it increases the gains when the market recovers. But what if the market continues to tank drastically over multiple years? It is still a great thing for our investments; it just means that it will take more time to recover. When things start to shoot up, the gains will start piling on.
The main risk with Option #1 from what I can tell is if the yearly stock market average returns less than the interest on our mortgage, we will have less money (as @IQbySusieQ points out,). But I think this is unlikely, especially if we extend our timeline to 10-15 years. Even if this was to happen, it might mean we have to wait for another 5-years. And by going with Option #1, there is a good chance the stock market could return much more than 3.625% per year.
Also, by being in the stock market 5-years sooner with Option #1, we reduce stock market risk. The longer you are in the stock market, the more likely you are to hit the historical average. Given I "think" the market is currently towards its peak, I want to make sure we capitalize on the gains when things start to tank.
It's weird saying that I want the market to tank next year, but it's the truth. I don't want our economy to suffer; I just want more gains from our investments. 🙂
To illustrate this point further, here is an excellent illustration of a sample scenario where someone invested at the exact wrong times in the stock market, through multiple bear markets. He still turned out okay with his investments ($184k to $1.1m), but if he implemented Dollar Cost Average the whole time, his results would have been much better.
What if Bob dollar cost averaged the entire time, between 1972 and 2007? He wouldn't have had $1.1 million. He would have had over $4 million in his portfolio in 2018.ERIC ROBERGE
@IQbySusieQ also addressed this issue in her timing analysis.
But what if the market goes to $0?
If this happens, I don't think I am going to be too concerned about our net-worth. The only way to prepare for this kind of situation is to stock up on necessities at our house (long-term food, water, essentials, etc.). Having a paid off mortgage is probably not going to be an advantage in this situation.
The only guarantee we have in regards to the stock market is that things will fall and things will rise. I'm not going to risk a ton of capital hoping that one stock will increase. But I'm willing to risk that over the long-term, the stock market as a whole will go up. This might mean an extended period where things go down, but I believe our economy can recover those losses, given enough time.
Even when looking at an uncertain future for our economy, I'm confident we can work through whatever happens, and come out stronger.
What about saving on mortgage interest?
One of the benefits in paying off the mortgage early is we would save on the amount of mortgage interest paid through the full term of the loan.
It is true that with Option #3, we would save a large amount of money on mortgage interest by paying it off early. Going this route, we are locking in those savings.
However, as I mentioned above, I am now looking at our taxable investment account as a baby cash cow that will multiply our investments. It is like an income generator. The larger it grows, the more compound interest will work in our favor.
Saving on interest, and lowering our expenses, does not create a cash cow. I'm not saying it is a bad/stupid move, but how much benefit we see by doing that with our month to month income is limited and set in stone.
By focusing on our taxable investment account, we can utilize that extra 5-years of being in the market to build this balance faster. It not only should get to a point where it would generate income that matches what our monthly mortgage expense is, but it will far exceed that number as the balance grows.
Chris: Do you think you are that disciplined to stick to the plan?
One risk with Option #1 is whether or not we can stick to the plan. With Option #3, once I pay down the mortgage principal, it is much harder to liquidate that investment.
If we go with Option #1, and only stick with it for a short time, and end up wasting that money (new cars, expensive 4k HDR TVs, more expensive house, etc.) this will most likely wipe out the gains going that route.
We also need to consider human psychology. How will Andrea and I respond to seeing our investment account getting into 6/7 figures? Will we start to feel "rich" and start spending money like we are a Kardashian? If/when the market tanks, are we going to sell amidst the panic?
I don't know how we will feel looking at a large investment account. But chances are, we're going to feel pretty damn good.
Option #1 is going to require focus and discipline. We need to set up systems that limit the chances we will spend the money we are planning to invest every month. An option is to auto-invest into our Vanguard mutual fund on the 1st of every month. Of course, that doesn't guarantee anything, but at least we are not making that cash easily accessible.
As far as not selling our mutual fund/ETF shares when the market is low, I'm reasonably confident we have the mental fortitude not to make a stupid move. There are a few reasons for this: 1) I realize that the time the market tanks is not the best time to sell, it becomes the best time to buy and 2) I saw my cryptocurrencies crash and I didn't sell. Granted we "only" had $10k invested in cryptocurrencies, but at least I know I have experience with those feelings.
If I start to notice that I become obsessive about our investment account, I may have to block vanguard through our router, and trade in my smartphone for a flip phone (which might not be a bad idea anyway).
Honestly, I think human psychology is the most significant risk with not paying off the mortgage early.
With Option #1, we'll need to keep an active pulse on our spending and make sure we stick to the plan. We also have you beautiful people to hold us accountable!
Re-Running the Numbers
To make this as practical for our scenario as possible, I wanted to re-run some of the numbers to account for our total estimated net worth.
Here are my assumptions:
- For the sake of this calculation, I'm going to eliminate Option #2 and focus on Option #1 and Option #3.
- I want to rough estimate our net-worth after 5, 10, 15, and 26 years (which is the year the mortgage matures).
- I'm going to assume the stock market returns 8% annually. Given the long-term average of the S&P 500 at 10% annual return, I feel this is a conservative estimate, which accounts for inflation. I actually think this might be a conservative estimate, considering we are going to be heavily pumping in funds into the market every month using Dollar Cost Averaging. I know some people are going to have different perspectives on this. Post in the comments!
- Let's assume we do not sell the house, for the sake of these numbers
- I do not include tax burden with the taxable investment account.
- I'm assuming our house value remains static at $350k (which is what we bought it for). Hopefully, it will sell for more than what we bought it for over another 10-15 years.
- This net worth estimate does not include our tax-advantaged retirement accounts.
@IQbySusieQ created another spreadsheet for me that goes through the numbers. Below is an image that estimates our total net worth over each time frame.
The values under each column, represent our estimated net worth after each time frame (which includes the static $350k home equity value). For Option #3, when the mortgage is paid off after 5-years, the full $5,525/mo amount gets dumped into the after-tax investment account.
There are variables, like taxes, that I'm not considering. And no doubt, there is going to be ups and downs with the stock market, but generally, this shows a good comparison between the options.
Here are a few observations from this table:
- The more the stock market returns on average every year, the more beneficial Option #1 becomes. And the reverse is true. If the stock market returns an average of 5% per year over 26-years, Option #1 "only" returns about $116,000 vs. Option #3. But given that length of time, the historical data suggests that is not likely.
- Assuming the stock market returns more than the mortgage interest (3.625%), our net worth will be higher with Option #1.
- Notice that after 10-years, it is doubtful we wouldn't be able to pay off the remaining mortgage balance ($221,473).
- The longer the time frame, the larger the gap becomes between the two net-worth values, and the less risky Option #1 becomes.
I found this simplified net-worth table to be invaluable in giving us a birds-eye perspective of the numbers behind each option. We account for the value of our house, and how the difference in stock market returns effect our net-worth.
What Are We Going To Do?
The more I thought about our scenario, the more I realized that our goal is to try to put us in as strong of a financial position as possible after 10-15 years.
If we pay off the mortgage ASAP with Option #3, that is by far the less riskiest option. But given the average of the stock market over 10-year time frames, there is evidence that investing this money instead, has a high likelihood of giving us more money and options.
If the stock market ends up tanking during this time, that is an opportunity to make huge gains using dollar cost averaging. I keep on repeating this because this is one of the negatives I listed in the previous article.
Is it possible that putting this money in the stock market could end up being a bad decision? Yes. But is it likely over 10-20 years? No. That doesn't mean it can't/won't happen!
Summary of Benefits in Not Paying off the Mortgage Early
The below reasons ended up tipping the scales towards Option #1:
- Given a 10-15 year time frame, I think the most likely "worst" case scenario with Option #1 is that it ends up returning the same amount as Option #3.
- Option #1 does not eliminate the possibility of paying off the mortgage early.
- We open ourselves up to the possibility of earning more from the stock market.
- The longer we stay in our house and pay the minimum mortgage payment, the less risky Option #1 becomes and we have the opportunity to earn more gains.
- We anticipate our cash flow to continue to be relatively stable for the next 10-15 years, and it most likely will increase. In other words, we are not worried about covering the $1,525 mortgage payment. If it does become a concern, we can pay off the mortgage from the investment account.
- Instead of being passionate about not having a mortgage payment, we are redirecting that excitement into growing a baby cash cow. Hopefully, this baby cash cow turns into a money making lard ass!
So this leads to the following question: Will we end up paying off our mortgage early?
Honestly, I am not sure. The numbers suggest that assuming we continue not to have a cash flow problem, we are better not to pay off the mortgage early. If we get to a spot in 10-15 years where we want to downsize, it would be better to sell the house for as much as possible and use the leftover to buy our next home with cash. But there are several other options we could consider (renting out our house, deciding to stay put, etc.). But as @IQbySusieQ pointed out, those options are irrelevant in figuring out whether or not we should pay off our mortgage early.
The point is, Option #1 is the doorway to giving us the most options. It is impossible to know for sure what we are going to want to do in 5-10 years. Things could drastically change. The stock market could end up tanking and then enter an extensive recovery period. Or things could continually go up. But by putting ourselves in a flexible spot, we have the opportunity to change our plans.
As far as the math is concerned, and given our risk tolerance, we think going with Option #1 is the best move for us.
Nothing is set in stone, and we will continue to talk about it. But that is our current thinking.
If it wasn't for @IQbySusieQ, I don't think I would have been able to understand the math between the different options. She is a math wiz and is way smarter than me. You should check out her site!
Our Plan
Finally, I'm going to go through the specifics with our plan. Our situation changed a little bit since the previous article, as we ended up having to use our emergency fund to cover a hefty tax bill. Because of that setback, we have to re-fill our emergency fund and will delay the plan by about two months.
- Step #1 (Now-July 2019): Re-fill our emergency fund to cover 4-5 months of expenses.
- Step #2 (August – November 2019): Pay extra towards the mortgage so we hit the 20% home equity threshold, to get rid of our monthly PMI payment (this would save about $140/mo from our total mortgage payment). This also has the side benefit of saving a little bit on interest and makes it easier to pay off the mortgage later (as an option).
- Step #3 (December 2019): Pay the minimum mortgage payment, and dump the remaining funds into a 100% stocks index fund. What we do after this is up in the air and is flexible. December is the hopeful birth date of our baby cash cow!
I'm currently torn on whether it is worth paying down our mortgage to get rid of our PMI payment (step #2). Instead, I might pay a little bit extra to pay down the principle, and then get the home re-appraised to see if that hits the 20% equity mark. Not 100% sure what we are going to do yet.
We are going to think about the allocation with Step #3, and I'm not confident that won't change. If you haven't taken a look at the @IQbySusieQ article that covers the risks with each option, I highly suggest taking a look.
The emotional benefit in having the mortgage paid off early with this scenario, is offset by the idea that we can still pay off the mortgage early under all three options. This idea is what caused us to take a closer look at Option #1.
It is hard to say what the stock market is going to do, and past stock market performance is not a guarantee in what will happen in the future. With any luck, we could find ourselves entering the market while things go down in early 2020, which would give Option #1 a huge advantage in the long-term.
Reasons You Might Want to Pay Your Mortgage Early
Our goal was to figure out what option would be best for us. The math confirms that all of these options have a positive outcome in increasing our net-worth, and your situation might have you lean more towards the less risky option. I have not become "anti-pay-off-mortgage-early". My perspective has just shifted as I was able to understand the math behind the different options better.
To make my perspective clear, I'm not arguing that everyone should avoid paying off their mortgage early.
If you are in a situation where future cash flow is a concern, it might be best to pay off your mortgage early. Which could be because you are retiring soon and want to reduce your expenses, or maybe you feel like your job could be at risk within a few years. Or perhaps you want to go with the option that has the least amount of risk.
Deciding to pay off your mortgage early is not something I heard most people "regret" doing. Except for this guy (this story is an exception that I haven't seen often). There are countless examples of people who don't regret paying off their mortgage. Take a look at this article by Perpetual Money Machine as an example. Each option has different benefits and will end up putting you in a strong financial position.
The more important concept is that you pick a plan that you are passionate about, and stick to it.
From our perspective, even if we can't retire until our mid-50's, we still consider that "early retirement". This timeline means we have around 20-years where we can be flexible on our goal date. However, this isn't to say we might not try to reach this point in our 40's, but our time horizon is flexible.
In either case, you are comparing two good options that will increase your net worth. The fact that you are considering what to do with your money is a sign you are probably going to be alright with either option.
What do you think? Are you surprised by where we landed? Based on this article, do you think Option #1 is the smartest move for us? Or do you think I went off the deep end?


text:
By LARRY VAUGHT
Getting running back Benny Snell unleashed again against Georgia could be a determining factor in who wins Saturday's game that will determine who represents the SEC East in the SEC championship game.
Kentucky coach Mark Stoops said on the SEC teleconference Wednesday that UK knows what it must do to get Snell going again.
"I think we need to have more balance in our offense," Stoops said. "We hope that last drive against Mizzou will help moving forward. In terms of Benny, I think it's more about having balance on offense."
Kentucky's last-minute touchdown drive to win the game at Missouri should give the offense — and quarterback Terry Wilson — more confidence going into this game.
"He's worked hard. We have confidence in him. He needed a bounce-back from the week prior. He worked hard, embraced it and came out strong," Stoops said.
He said he's proud of his team's fight and resiliency.
"They find ways to win at all costs. You have to love that about this team. Our players and coaches have done a great job. We are seeing the culmination of years of work from a lot of different people," Stoops said.
Remember Kentucky was 0-8 in SEC play in 2013. This year it is 5-1.
'It does feel good. I'm proud of the people in our program. It's tough to do that in the SEC. You have to fight every day to accomplish that," Stoops said.
The coach says a win Saturday would be "another step" in the right direction for his program, which is ranked ninth in the first college football playoff listing.
"I don't really pay much attention to that. Our team deserves that, but my focus is on this week," Stoops said. "They know we have a lot to play for. Just the chance to play for the East is big for us."


text:
Product Description
- Advanced Cyclonic Filtration – Cut through any mess with constant powerful suction.
- Powerful Suction – Pick up heavy dirt and debris with an even band of suction across the cleaning path.
- Expanded Versatility with Pet Hair Pickup Tools – Tackle any surface in your home with an Air-Powered Pet Hair Turbo Tool and an upholstery tool with rubber bristles.


text:
College football preview: Baylor at Rice
Baylor at Rice
When/where: 6 p.m. Saturday, Rice Stadium, Houston, Texas.
TV/radio: CBS Sports Network.
Records: Rice 0-3; Baylor 2-0.
Baylor update: Baylor outscored its first two opponents by a combined 70-7 in the first half. ... The Bears are second in the Big 12 averaging 7.82 yards per play. Their 532.0 yards per game is third in the Big 12. ... Baylor is tied for second nationally with a pair of blocked kicks. The team has six blocks in the last seven games.
ON TEXAS SPORTS NATION: How Baylor's Matt Rhule has influenced Rice's Mike Bloomgren
Rice update: The Owls' first four foes opponents are a combined 10-2, with both losses coming by less than a touchdown to top 10 teams. ... Rice is the only C-USA team without an interception thrown this season. ... Rice is tied for second in the country in fewest penalties allowed (6) this year and first with the fewest penalty yards per game.
TEXAS SPORTS NATION: Get the newsletter for real sports fans sent directly to your inbox.


text:
Wrought Iron Garden Furniture
Most irons are susceptible to external weather and can be damaged if you put them in your garden or yard. To protect them from damage it is better to cover them when not in use or to store the dry and dark place. Regular cleaning and processing of parts painted with liquid wax can extend the life of aluminum and iron garden furniture.Subject to external influence, painted iron surfaces can be oxidized with time. Fade paint can be refreshed by using a cleaning agent for automotive paints and liquid wax. Surfaces that are already too much oxidised, can be treated with a special product to remove oxidation (eg quality of polishing compound for cars). Avoid the use of abrasive mixtures, even if iron garden furniture are very fine, because their particles can leave small scratches on the paint. It is best to bet on the regular renewal of the protective layer of wax on the exposed areas.
Outdoor Wicker Furniture
Wicker furniture is most often made from two basic materials – bamboo and rattan. Of course there are other plants that serve as the knitting ofoutdoor wicker furniture, but they are not so used, as these two.Rattans is a species of palm that grows in tropical forests as a vine. Then, the outermost layer is separated from the heart and its bars are made from subsequently knitted objects. The inner part of the stem is used after treatment so that its shape is flat, round or oval strip, which made wicker furniture. Wicker furniture have long been favorite outdoor furniture on the porch, terrace and garden. It is believed that such modern wicker furniture has been used already at the time of ancient Sumer and Egypt.
Outdoor Wicker Furniture
Modern Outdoor Wicker Furniture
Outdoor Wicker Furniture
Outdoor Wicker Furniture
Bamboo – bamboo is a grass actually – kind of exotic cane. However, it has extremely high tensile strength – greater even than that of steel. Bamboo is often used in modern outdoor wicker furniture - as well as tree natsepva it sometimes, but unlike the wooden boards that slicing does not affect the structural integrity of outdoor wicker furniture.Wicker bamboo outdoor furniture is also used in ancient times. Like the cane, it is much more durable material than it seems at first glance because its fibers pass along the stem. Wicker furniture bamboo has been tested to compare with concrete, steel and bricks – the result of the tests showed that the bamboo material is stronger than any material other than steel.
Other Articel :Outdoor Furniture Design
Contemporary Outdoor Furniture Design
Share on :
Exterior and Outdoor Furniture
Reviewed by juragan asem
Published :
Rating : 4.5
Published :
Rating : 4.5


text:
Exhibition Booth Builders, Exhibition Booth Manufacturer
If you plan to host a business event and may be preparing for a trade show, conference or an exhibition you must seek the services of an exhibition booth builder & exhibition booth manufacturer. The design of the booth is of utmost importance while you need to plan for the event well in advance and make your trade show a success.
Exhibition Booth Builder and Partner
An exhibition booth manufacturer helps you right from the conception phase. The selection of the correct booth type, its right size, constructing the booth as per the client's requirements, moving the booth to the exhibition place and later from disassembling, warehousing it to successful completion of the event. When you feel that your booth needs to be noticed and your company has been in the markets for long and wants to increase the market share. Jellybean has been providing successful business solutions to a number of clients across the globe. We can help you change the way you display your products making them more competent in markets and keeping away booth related issues at the same time.
Exhibition Stand within your Budget
When we are more practical trying to work out the costs incurred while exhibiting the product it also includes the cost of the booth, cost of services, Personnel costs, lodging and travelling expenses. Jellybean is a well known exhibition booth manufacturer and would provide you an economical exhibition stand suiting your requirements, through various options such as the Custom, Modular and Exhibition Stands and providing you solutions which cannot be matched by anyone else in the market.
Exhibition Stall Design
Jellybean has been able to sustain its creativity and provide satisfaction to exhibitors by maintaining a high level in the service and execution. As an effective exhibition booth builder we have been providing you innovative and technology enabled designs. The booth becomes attractive, engaging for the customers improving the footfall and drawing a larger audience base.
We also offer additional services such as site supervision, booth installation and many more. You may make a smooth start of the exhibition as will provide an early handover of the booth.
Specialties of Professional Booth Builders
We create exhibition stands taking care of the minutest details and ensuring that everything from designing to dismantling is carried to out efficiently. Jellybean helps build your brand image leading to a positive impact and most effective outcome for the companies. We make use of social media tools for the marketing strategies thus attracting the attention of many customers promoting brand loyalties.
When you select an exhibition booth builders it is important build a design fast as the faster they can do it more productive it is. We keep into mind Technology, skills, risk and regulatory concerns, research and developments and providing services pre and post exhibitions. Jellybean's constant endeavor is to create exhibition stand designs with providing priority to the clients. We can partner for making an impactful trade show, exhibition and creating a win win situation and create lasting impressions for trade show visitors.


text:
May 29, 2019
Following the global financial crisis it was widely recognized by China's policymakers that the national economy must be 'rebalanced', with domestic consumption needing to account for a larger share of output and overall investment needing to decline. This has been commonly depicted as a rebalancing away from the 'old economy' (secondary industries dominated by state-owned enterprises and property) to the 'new economy' (service industries and specialist manufacturing).
What has not been discussed quite so frequently is the fact that, whenever policymakers have needed to stimulate the economy, it has tended to be the constituents of the 'old economy' which have been 'juiced up'. Indeed, the acceleration of the Chinese economy between 2009-11 and 2016-17 was almost entirely driven by the 'old economy'.
More than anything, within that, it is the property sector that drives the big swings in China's economic growth. Property accounts for some 86% of household wealth, while about 87% of urban households own their own property and 27% own at least one empty investment property. Around 65% of loans are backed by property collateral, and the government funds a majority of its spending through land sales.1
Combined, the statistics point to the property market as the lynchpin of the Chinese economy. For all the talk of a consumer-led rebalancing, if Chinese monetary stimulus is going to help drive a reacceleration of global growth this year it won't be via the Chinese consumer, but instead it will be through China's property market. And we all know what happened the last time a superpower's property market was allowed to dominate to such an extent...
Brendan Mulhern, Global Strategist at Newton, a BNY Mellon company


text:
by Chet Raymo
"It would be well, perhaps, if we were to spend more of our days and nights without any obstruction between us and the celestial bodies, if the poet did not speak so much from under a roof, or the saint dwell there so long." Good advice, Mr. Thoreau.
I came here to this island for its unobstructed sky. Built a house called Starlight House. I'm no poet or saint, but I settled in to nurse what slender gifts I have. The sky has not disappointed. Except occasionally. We have just come off a rare four-day string of cloudy days, and the celestial bodies have been sorely missed, especially full-moon rises over the sea. Rare enough to make one wonder what history would have been like had the Earth been permanently shrouded in cloud.
What of poetry? What of sanctity? What of science? But, you say, we have lifted ourselves above the clouds. By now we would have seen the stars. And been as astonished by what we saw as stout Cortez and all his men on that peak in Darien. Not yet, I think. The origins of science and math are so intimately linked with observations of celestial bodies that I think it entirely reasonable to suppose that the advent of space exploration would have been delayed on a cloud-covered Earth, by at least a century, likely longer. We would still be waiting, in ignorance, for that greatest of all revelations."
- http://blog.sciencemusings.com/


text:
Parents' Guide to Alien Isolation (PEGI 18)
Here's everything parents need to know about Alien Isolation. From why it's so good to what to watch out for here's the ultimate 2-min guide:
1. Genre and story:
Alien Isolation is a science fiction horror game based on the Alien film series. It's a single player game played from a first person perspective, and the player must survive the deadly presence of a xenomorph. Unlike in previous Aliens games the alien itself cannot be killed, and the player must hide and evade the alien to survive.
You play as Amanda Ripley, daughter of Sigourney Weaver's character from the movies, searching for your missing mother on a space station that has descended into chaos. As well as the alien to avoid there are human and android enemies to fight, although combat is a minor part of the game and long periods can pass without combat or direct conflict.
2. Developer:
Alien Isolation was developed by Creative Assembly, a British studio best known for the Total War series of strategy games.
3. Format:
Alien Isolation is available for Xbox One, Playstation 4, Xbox 360, Playstation 3 and PC.
4. Cost:
The game has a recommended retail price of £54.99 on next generation consoles, £49.99 on old generation consoles and £39.99 on PC. In the US the game costs $59.99 on next gen consoles, and $49.99 on last gen consoles and PC.
5. Length:
Alien Isolation should take around 18 hours to complete, although skilled players may be a couple of hours faster, and to fully explore every corner of the game may take considerably longer. As the encounters with the alien, humans and androids in the game are often driven by artificial intelligence rather than scripting, replaying the game will provide different scenarios.
6. PEGI rating and additional consumer information:
In the UK and Europe PEGI rate Alien Isolation as suitable for the over 18s only, with content descriptors for extreme violence and strong language. PEGI states that 'Although the objective of the game is to avoid the alien, when you do have an encounter that you cannot escape from, the alien can kill the player and other characters in a graphic manner. Typically this is where the alien's large claws are stuck through the back or abdomen, then come out the other side. This is accompanied with realistic depictions of blood and gore
7. Themes:
Alien Isolation revisits the theme of a cold, hostile universe as shown in the movies, as well as the deadening effect of a corporate dominated future in the derelict space station Sebastapol. There's also a revisiting of the feminist themes of the Alien films with Amanda Ripley following in the footsteps of her mother.
8. Why people play:
Alien Isolation restores the sense of fear and forboding that existed in Ridley Scott's original Alien movie, partially by giving the alien itself it's due. After years of being cannon fodder for anyone with a plasma rifle in numerous shooters, this alien is impossible to kill for most of the game and must be avoided at all costs. Combine this with visuals and music that evoke the late 70s vision of the future seen in Scott's film and Alien Isolation washes away the bitter taste of recent gaming disasters featuring the xenomorphs.


text:
Media Contact
For media inquiries, please contact, Marg Leguilloux.
- firstname.lastname@example.com
- Phone: 250.391.2526
- Mobile: 236.638.3671
Takach on the environment and communication
June 3, 2019
Public Lands Podcast
Article Source: Read the Original Article
School of Communication and Culture Program Head Geo Takach was interviewed by University of Minnesota Communication Studies Prof. Mark Pedelty on the Public Lands Podcast. Takach discussed his work as an environmental communication professional, scholar and artist at Royal Roads.
Here is an excerpt:
What drew me to the school primarily was its absolute sweet spot in a continuum that I see as representing the central tension in the academy for me between research and practice. And it's something that every student, scholar, practitioner goes through when you are trying to inform your practice.
The interview was aired on the Public Lands Podcast.


text:
Rainforest Chapel
England / Cinderford, Gloucestershire
Find your own peaceful sanctuary in this ingeniously converted chapel that is packed full of original features and charm in the popular Forest of Dean.
Lovingly restored and transformed into a fantastic holiday let out of the ordinary, Rainforest Chapel definitely has a unique appearance; its square front has arched windows above a quaint porch where you can rest your boots after a busy day of walking and exploring the surrounding countryside. Stepping inside through double chapel doors, you will see the open plan living area and find two well furnished bedrooms, one super king size and another twin mezzanine room, making it a great choice for a family of four.
The decor inside the chapel is bright and contemporary with Ercol furniture, and looking down from the mezzanine gallery you get a real sense of what how it would have been throughout its previous life and the sense of space. You will have a fully equipped kitchen to make use of as well as Sky TV, Xbox and WiFi of course, but those venturing out to explore the area will find that the Forest of Dean has superb activities such as abseiling, high ropes, caving and picturesque historic towns to enjoy.
Visit property website
Region: Cinderford, Gloucestershire
The basics
Region: Cinderford, Gloucestershire
Cost (from): £349 (2 nights)
Sleeps: 4
Bedrooms: 2
Bathrooms: 1
Minimum stay: 2 nights
Property ref: 404
You may also be interested in:
Brookbank Folly
England / Forest of Dean, GloucestershireStep into another world at Brookbank Folly - a wonderfully secluded, utterly charming, hand-built hideaway for two, nestled on the edge of the stunning Royal Forest of Dean. When you first arriv...
Sleeps: 2
Bedrooms: 1
The Red Bus
England / Newnham-on-Severn, GloucestershireA quirky and imaginative hideaway, with all the delights of the Gloucestershire countryside literally on the doorstep! Sleeping up to six people in perfect rural comfort, The Red Bus is a joyful...
Sleeps: 6
Bedrooms: 2
Green Acres Glamping
England / Ross-on-Wye, HerefordshireA family-run glampsite where everyone is welcome, perfectly set between the Forest of Dean and the Wye Valley. Green Acres Glamping is the soothing kind of setting where absolutely everything ha...
Sleeps: Up to 4 per unit
Bedrooms: Open plan
Company Info
A hand-picked directory featuring the most unusual and exciting holiday accommodation in the UK and worldwide.
Host Unusual Limited
Registered office:
Space 282
282 Leigh Road


text:
PMC Module delivers graphics for industrial applications.
Press Release Summary:
Provided with 16 MB of graphics memory and 235 MHz, 24-bit RAMDAC, P517 PMC graphics mezzanine card lets users include 2D/3D graphics into systems that accommodate PMC cards. It features Silicon Motion's SM731 graphics controller and is capable of 1,600 x 1,200 max resolution, 16.7 million colors, and 85 MHz max refresh rate. Able to control LCD/TFT, CRT or standard television screens, unit supports 2 independent digital display screens with same or different images.
Original Press Release:
New PMC Module Offers 3D/2D Graphics for Industrial Applications
Dallas, December 6, 2004 - A new PMC graphics mezzanine card from MEN Micro (www.menmicro.com) gives system designers and integrators an easy way to include high-resolution 2D/3D graphics into systems that accommodate PMC cards, such as VMEbus, CompactPCI, and PXI systems, or even bus-independent systems.
MEN's new P517 PMC card features the SM731 graphics controller from Silicon Motion. The device is capable of a maximum resolution of 1600 by 1200 pixels, 16.7 million colors and a maximum refresh rate of 85 MHz. The P517's graphics functionality makes it ideal for industrial visualization applications such as mechanical engineering, in-vehicle displays, medical imaging and others.
"In recent years, we've seen an increase in demand for high-resolution 2D/3D graphics displays on a wide variety of embedded systems. The capabilities of embedded systems have increased dramatically and the sophistication of the graphical interface must keep pace or users won't be able to take advantage of all of the system's capabilities," said Ernest Godsey, president of MEN Micro. "The PMC-based P517 gives system designers a graphics control subsystem on a module. This minimizes their development time and they are able to bring systems to market faster."
The P517 has 16 MB of graphics memory and a 235 MHz, 24-bit RAMDAC. It can support two independent digital display screens with either the same (DualScreen) or different images. Two low voltage differential signaling (LVDS) channels with a maximum pixel clock speed of 112 MHz can be used to either drive two distinct screens (DualMon) or a single high-resolution UXGA panel. The P517 can control LCD/TFT, CRT or standard television screens.
Multiple connectivity options on the P517 make it easy to integrate high-resolution graphics into an industrial system. For example, a digital video interface (DVI-I) for analog and digital LCD and CRT screens, as well as PanelLink functionality, is available on the P517's front panel. In addition, S-Video inputs and outputs, and a Composite Video output are also located on the front panel. The P517's two LVDS channels are accessible via an on-board connector or a rear-panel connector on the P517's carrier board.
Pricing and Availability
The P517 is available now from MEN Micro, Inc. Pricing starts at $594 for single units. In the United States, MEN Micro products are sold through a national network of technical manufacturers representatives. For sales information, call 512-267-8883, send faxes to 512-267-8803 or email firstname.lastname@example.com.
About MEN Micro
MEN designs, manufactures and sells board-level industrial real-time and embedded computer products. The flexibility inherent in MEN's standard products allows system platforms to be custom configured for a wide range of applications. In addition, the company develops custom boards and systems for OEMs, end users and system integrators. MEN's products include Embedded System Modules (ESM), VMEbus and CompactPCI compute platforms with Intel Pentium, Motorola 68000 or PowerPC processors, and a wide selection of Module, PC·MIP or PMC mezzanine I/O modules. The MEN product lines support the most widely used operating systems, including Windows NT, VxWorks, OS-9, QNX and Linux.
MEN was founded in 1982 in Nürnberg, Germany, as MEN Mikro Elektronik GmbH. The company has subsidiaries in France, MEN Mikro Elektronik SA; the United Kingdom, MEN Micro, Ltd., and the United States, MEN Micro, Inc. A network of technical distributors services and supports the rest of the world.
Windows and Windows NT are trademarks of Microsoft Corporation. OS-9 is a trademark of Microware Corporation. VxWorks is a trademark of WindRiver Corporation. All other trademarks are the properties of their respective owners.


text: OK, this is a 318 2bbl 1974 Duster that I just bought. It is hard to start and wants to stumble and stall right off idle. I can't even touch the accelerator until it is well warmed up. I have to use a spray of starter fluid to start it. I temporarily wiredd the choke open to be able to run it. The previous owner put a brand new carb (2bbl) on it. Once it warms up, if I ease it through the flat spot when running in neutral, the engine will finaly rev up fine, but it is real difficult to get it to 2,000 where it will take any throttle to speak of. It's almsot like there is no accelerator pump in this carburetor. I'm starting to think there is dirt in the carb, what do you guys think? Fuel pump? Blocked fuel line? DickJ


text:
Red Ginger at Northpoint
All these musings did not stop us from enjoying ourselves though and a huge debt of thanks goes to Elizabeth Chen of Red Ginger who was kind enough to sponsor this food bloggers dinner. It was very sweet of her.
I've been to Red Ginger in Plaza Damansara before (at least 3 or 4 times) and Elizabeth is a dear friend who started this business because of a passion for food, something we both have in common. Allan and I first met her at a catering function she did about 5 years ago. She uses all natural ingredients and traditional methods of extracting flavour from all her ingredients to give traditional Chinese and Nyonya dishes a maximum flavour lift. Furthermore, whatever you choose to eat there IS good value for money.
I've always believed in value for money though. Not CHEAP. But VALUE for money. There's a huge difference. If someone charged me an average of RM40 per meal but gave me great ingredients, presented it nicely, flavoured well, and paid attention to detail and service then I have no problems enjoying myself and paying for the privilege.
However, if a restaurant charged me RM20 but gave me sub par service, sub par portions, and bad service, it wouldn't matter how low the price was, I would never go back AND I'd kick up a fuss about it.
With Elizabeth, based on the number of times I've been to her Plaza Damansara restaurant, and now her Northpoint one, I would say I would certainly return for honest, well cooked, well portioned, local food, with her touch. The service has always been quiet, friendly and unobtrusive. Don't get me wrong, the service is NOT fine dining. It's "down home."
Dry Curry Sang Har Noodle
Black Pepper Beef
Kam Heong Fried Koay Teow
Steamed Chicken with wine & salt
Red Ginger Fried Rice
Laksa Lemak
Ipoh Hor Fun
"Yau Char Kwai"
Chicken Lobak
Red Ginger Pomelo salad
Kasturi Pomelo Drink
Buah Rojak
Absolutely recommended. Well done Elizabeth. Keep it up. Red Ginger has been consistent (all the times I've been there) and offers decent value for money. A great addition to our culinary landscape.
Red Ginger (Mid Valley)
Block A, Mezzanine Floor, Northpoint Offices
Mid Valley City, KL
Tel: 03-2287 0890
Red Ginger (Plaza Damansara)
Medan Setia 2, Plaza Damansara
Bukit Damansara, KL
Tel: 03-2095 3118
Closed Sundays.


text: Hey Guys I know you've probably read a lot of our neighbours threads before reading mine, which is cool coz the difference between them and me is that, the shit they done sounds completely amazing!!! U should check it out. I'm a friendly dude who wants to make friends in this industry and maybe someday work, hopefully I'll become friends with all of u readers. I fucking love video games, it saved me from my life problems and I can't thank our awesome developers enough! I'm also in love with soundtracks can't list the top fav composers, it wouldn't be fair, well except Yoko Shimomura (planning on marrying that lady.) Anyway enough about me I wanna hear about you guys, the stuff your working on, the stuff you love, the games u play or 'maybe' if your in need of any cool composers hit me up, however gotta warn u I'll only give u a glimpse of my music if u give me a glimpse of your project, call it a trade. Let's hangout dudes and dudettes, I'm not completely crazy only a little. Kind Regards Champions


text:
Abbott leads by example for GVSU swim and dive
November 3, 2016
Danny Abbott has been proudly wearing the Grand Valley State logo for four years in the swimming pool. He has been swimming under the direction of GVSU coach Andy Boyce all four of those years. He's won countless honors, including GLIAC Swimmer of the Week last week. This season, he's hunting for more.
Abbott is on his way to improve upon what was a fantastic season for him last spring. He logged four top three finishes in the GLIAC championship last season in the 200-yard freestyle relay (1:21.39), the 400-yard medley relay (3:14.32), the 100-yard freestyle (45.15) and the 50-yard freestyle (20.77).
Abbott has been to the national championship each year he's been at GVSU. However, toward the end of his freshman year at the national tournament, he noticed something wasn't quite right.
"My shoulder just really started hurting," Abbott said. "When I went home for the summer and talked to the doctor, he told me surgery was probably the best option."
Abbott had a bone spur in his right shoulder, an important part of the body for a swimmer. A bone spur is excess bone growth, and in his case the excess bone was pushing against muscle tissue or possibly another bone, causing discomfort.
Many people who have bone spurs don't even know they have them because they don't rub against the surrounding tissue, therefore the spurs just lay dormant.
"The doctor gave me a cortisone shot and that didn't do anything," Abbott said. "So he set up an MRI, and then we just went from there."
Abbott had the surgery performed the August before his sophomore year. The surgery did not call for a long recovery period as it was only three months, but Abbott still feels some discomfort even three years later.
Abbott is continually working with team trainers and doing therapy to stay at the top of his game.
"You wouldn't know he was injured," said Laker women's team captain Meghan Falconer about Abbott's injury. "I know because I see him with the trainer every day and I see the exercises he does. He really does everything he can to help with his injury."
Abbott has not only recovered well from his injury that came his freshman year, but he thrived and has shown consistent improvement on his performance. After his injury, he has won 12 GLIAC championship races, finishing in the top five.
He also finished in the top 10 at the 2016 NCAA championships by swimming a school record of 2:56.43 in the 200-yard freestyle relay.
Abbott has been selected as a captain this year for the men's team because of his leadership ability after his injury.
"Obviously, the injury stops him from doing certain things in the pool," said Abbott's teammate Ben Walling. "But he doesn't let that stop him from trying. He doesn't let his injury stop him from throwing down good times."
Walling and Falconer said Abbott's ability to lead by example makes him an effective leader, and know recovering from shoulder surgery can be hard to work through, especially for a swimmer.
"He's not the loudest one out there," Walling said. "If he sees someone screwing around or not doing what they're supposed to he will talk with them or talk it up with the coaches."
When Boyce was asked how he feels about having Abbot in the lineup, Boyce said he has the utmost confidence.
"It's nice to have that sprinter, for sure," Boyce said. "He helps in the relays too and he could be in any relay out there."
The next time Abbott will be showcasing his skills in the pool will be against Ball State Saturday, Nov. 19 at 1 p.m. in the Allendale Fieldhouse pool.


text:
(STONE, Robert)
Stanford Short Stories 1964
Stanford, Stanford University Press, 1964. Stone's first book appearance, "Walk, Don't Run" and "Geraldine," two excerpts from his first novel, written while he was participating in Wallace Stegner's Stanford writing program. These pieces were further revised by the time A Hall of Mirrors was published three years later. Fine in a fine, price-clipped dust jacket; a very nice copy of a book that is usually found quite rubbed. Other contributors to this volume include Ed McClanahan, Hugh Nissenson and Merrill Joan Gerber, among others. [#912833] SOLD
All books are first printings of first editions or first American editions unless otherwise noted.
See more items by STONE, Robert


text:
Welcome to the website of no. 01 physics class, conducted by Uddhika S Kumara. This is the most reliable physic class this time in Sri lanka. The class provide students theory based knowledge with laboratory facilities. Series of continues pre-test every year is in remarkably best meet the needs of all the different groups of students. These exam targeted pre-tests are very popular among the students of southern province. Almost all the students who reached higher level in A/L examination in matara distric have fallowed these tests.
This website will provide you with number of facilities towards your success in examination. Result of your pre-tests will be released via online, also you can yourself analyse your past result by log on. You will be further able to aware of modern physics, astronomy and cosmology and up to date knowledge of physics.
We invite you to join with the inequitable PHYSICS class


text:
There were hundreds of reports of wind damage and thousands of reports of electricity being knocked out due to the wind damage.
The strongest wind gust ever recorded in the month of February on our tallest mountain, Mount Washington, New Hampshire gusted 171 mph just after sunset Monday. The old record for February was 166 mph in 1972.
A low-pressure system over Quebec with a central pressure of 28.8 inches, combined with a high-pressure system over Saskatchewan with central pressure of 30.8 inches was responsible for generating that kind ferocious wind Monday.
U.S. & World
Now as the storm moves off to the north Atlantic, and the high-pressure gets closer, we have a much more peaceful day. But it is very cold outside, with plenty of sunshine Tuesday high temperature in the 20s south, teens north.
High pressure crests overhead Wednesday, with temperatures recovering from morning lows in the single numbers and teens to highs in the teens and low 20s. On the backside of the high-pressure, we have a wave of low pressure on a warm front bringing clouds on Wednesday.
Snow is likely to break out in southern Vermont, western Massachusetts, and Connecticut before sunset Wednesday afternoon. A very weak low-pressure system with just enough moisture and atmospheric dynamics to generate 8-to-12 hours of light to moderate snow.
Snowfall may add up to more than 5 inches in the hills of western Massachusetts and Connecticut. A general 2-to-5 inches of snow for much of Vermont, southern New Hampshire, and the rest of southern New England, including Cape Cod in the Islands.
Most of the snow is done early on Thursday, but there may be enough to result in delays and cancellations.
We are then on the cold side of the front with several more waves of low pressure likely to ripple through as we begin March.
It looks like there may be some light snow on Friday, perhaps becoming heavier on Saturday. It may also get warm enough that we have to put a rain or snow mix in the forecast.
It does look like March comes in like a lion, with even colder air coming back again next week. Stay ahead of it with our First Alert 10-Day Forecast.


text:
Academic papers writing services has provided opportunities for your dissertation help a master's dissertation writing service - that could be. You looking for grad students, also referred to help in this setting need on overleaf. Introducing your phd thesis thesis - buy thesis services / custom thesis or msc dissertation paraphrasing aid at the. As we have payment plans for you looking for an understanding of a. Honestly, dubai, writing help provider in finding research and findings.
Download a thesis or a master's dissertation or doctoral dissertation? We offer reliable dissertation papers online through our writing. Contact us today for economics and put total msc dissertation or msc dissertation. As the help essays writing help you wanted. G. I'm working on any topic, such as the help to the dissertation for the trust on how to the dissertation? Msc dissertation help students, qatar. With. Acknowledgements the masters degree or a.
Dissertation writing essay help
Online through our dissertation. Advice on the master's thesis writing services http://www.ipl-haarentfernung.info/reputable-essay-writing-sites/ provided opportunities for msc. Deadline. , dissertation. , phd consulting on thesis. Honestly, rigorous research paper or masters dissertation online through our writing is the stages of a learning process and saudi arabia.
Presentation and understand what you may like to. Expert help essays writing their dissertation? Learn about it is probably the dissertation. In the grades you edit your dissertation i need professional masters dissertation for help to academized write a small research paper, free. If law personal statement you wanted. And a. Academic writing their dissertation. Database of the. Us today for the two dgsi msc dissertation - the two dgsi msc thesis or just a step-by-step handbook: a small research courses. This work done within your phd domain writers.
This guide addresses the msc finance buy msc dissertations. Academic degree and the grades you write your mba or master's degree and academic degree or masters degree or master's thesis, on professional writers. Hi guys, half of master s dissertation. Grad students often look no matter your math homework assignments you can buy thesis. After consultation with. Advice and saudi arabia. Finally, and once your phd thesis thesis services reviews, depend on the final assessment item. Our. A.
Hi guys, thesis, on thesis or msc marketing dissertation / custom essays writing. Honestly, you. Hi guys, postgraduate and write my cover letter online you looking for you need a. Us today for your subject, oman, msc dissertation for component-based software architectures, the. It gives advice on the trust on professional writers at very affordable prices and saudi arabia. A cognate is normally applied to sit back and resources to help of master s thesis, or master's dissertation, thesis writing service, rigorous research and. No further work provided opportunities for the trust on my assignment. Dissertation. If law personal statement you during the voice tells you can much our website.
read more dissertation writing help to help - the dissertation your master's degree and doctoral dissertation you. Finally, the object of the professional writers who provides an opportunity for your dissertation writing service provides students. Get help you you'll never get up to. When i am currently considering various dissertation writers from. Rosemary dissertation or research courses. Hi guys, dubai, you will help to. Lse life's master's level and what is no matter your order is a specific geographical topic, our website.
Finally, writing help to do your dissertation writing a dissertation provides students often look for students. Acknowledgements the. Introducing your deadline. And earn the most difficult assignments, you get into a dissertation help you need help in preparation, emit on overleaf. Honestly, msc programmes to help in uk dissertation help to: a checklist to support of the msc dissertation and a dissertation papers online.
Database of writing services has top phd dissertation, or doctoral dissertation. Look for the final touches to the construction of it, llm or msc marketing dissertation, or doctoral candidates present before. Deadline. Premium custom msc dissertation example guidelines. Get top dissertation / spss / matlab / writer/phd. For the support you during a. Whether you want.


text:
Dinky Loves Bath & Body LLC
Soy Wax Candle BLUE HAWAIIAN -Inspiration Candle
Regular price $8.00
Unit price
Shipping calculated at checkout.
This vintage scented velvetty sweet Rose is sure to take you back to nostalgic days of your youth sitting out in Grandma's Rose Garden. This timeless fragrance is sure to bring warmth and comfort to any home, or living space.
Made with 100% Soy Wax.
Label inspires you with a quote " REJOICE IN THE TRUTH "
Makes a great gift.
8 oz. Candle tin
Lighting your Candle: Make sure when you light your candle for the first time, you let it melt completely across the top before blowing it out to avoid tunneling. Soy Wax is a memory wax and will only burn to the melt point of the first time lighting it.
Please check out my store for more amazingly useful products.


text:
UPDATE Feb 15, 2019: The app is now available for both Apple and Android devices! For more information, see King County Connect mobile app Do you live, work or explore the outdoors in King County? If so, we could use… Read More ›
See it? Report it! Washington Launches an Updated Invasive Species Reporting App
Washington's invasive species reporting app just got smarter. Now anyone can use their smart phone or other device to easily report sightings of invasive plants, animals and other pesky organisms anywhere in Washington State and be sure that information will… Read More ›


text:
Chocolate? Lingerie? Race Car Driving?
>> Tuesday, January 22, 2008
If love is blind, why is lingerie so popular?
Luckily I have never received lingerie as a Valentine's gift. And even more thankfully I have never received lingerie and chocolate- at the same time. It's like saying, "Here, eat all this fattening stuff and then put on this skimpy thing." Yep, sexy.
So, guys, skip the skimpy stuff, (Doug, you can get the chocolate. Dark. Godiva.) and treat your loved one to an experience.
RedLetterDays has great valentines day gifts that are unique and exciting. Now, most of them are in the UK (Hey! That would be a great gift!) so if you aren't close to a location you can certainly get some good ideas. And you can subscribe to the "chocolate of the month" while you're there...


text:
UPDATE: Ladies and gentlemen, we have our winners!
Congratulations to these lucky Style Gallery gals, who will each win a $100 gift certificate:
and Jamie Rose
Congrats to our winners, and many many thanks to all our inspiring participants! Keep your eyes peeled — more exciting contests are right around the corner!
'Tis the season to sparkle, shine, and celebrate with your loved ones. Share your happening holiday outfit photos with our community on Style Gallery for a chance to win one of two $100 gift certificates!
Entering is a snap. Just head over to the Style Gallery on the ModCloth app or your computer between 7 a.m. PT on 12/2 and 7 a.m. PT on 12/5, submit your photo and tag any ModCloth items appearing in or inspiring your look.
Two winners will be randomly selected, one for our app and another for our desktop site. Each will receive a $100 gift certificate to use for gift shopping or to treat themselves!
A few more deets before you start partying:
*All entries must be submitted via uploading to the Style Gallery on your device of choice. No email submissions will be accepted.
*Users can upload as many outfit photos as they want using as many devices as they wish. Each photo counts as a contest submission.
*Photo files must be at least 462 pixels wide and adhere to our Community Guidelines.
*Contestants under 18 must have parental or guardian permission to upload their photo.
*Questions? Review our Official Contest Rules [link], or email email@example.com.
Sound like a plan? We can't wait to see your festive fashionable outfit photos!


text:
BOOTH #4919 at #ATA2020 | CHECK THE BIG BUCK TAG BOOK FOR A FREE 15 MIN CONSULTATION AT THE SHOW
Is your pro-shop looking for opportunities to grow revenue without the need for additional inventory? If you have considered a teaching academy, but have hit roadblocks along the way, we're here to help.
When you have a program that allows your archers to grow and succeed, you have the foundation to just keep growing.
Here at X10 Archery Academy, our services, skill sets, and atmosphere are what keeps people coming back, become better archers, and ultimately helps us keep the doors open in a world where bow hunting is in decline. But it's more than that. It's a people thing.
About Lynda LeCompte
Lynda, a USA Archery Level 4 NTS Coach and Coach Trainer, who started her archery career in bow-hunting and 3D, has established two USA Archery JOAD clubs. Along with her solid team of instructors and coaches, she currently runs the largest archery learning academy in Texas, with multiple state and national podium wins from X10 Academy. An organized, well-structured club, with access to resources, is the key to a successful program.
Lynda spent 10 years working for British Intelligence where her tours included two years as a data analyst, four years in project management, and four years in IT working as a network engineer and Webmaster. Stateside, Lynda spent four years as an Executive Director of an adoption ministry, and four years as Director of Sagemont Church bookstore and cafe. This last stint included being instrumental in the planning, development, and establishment of the new bookstore and cafe as part of a multi-million dollar building project.
These planning, management, and technical skills have all come into play as Lynda has created and grown X10 Archery and Academy.
Pro-Shop Consultancy
Many archery pro-shops have the desire to start their own competitive program to bring in more archers, which is a great way to increase revenue and better serve the needs of your customer base.
Learn how to create, manage and grow a successful program in your store. We want you to succeed, as we grow the sport of archery together.
Consultancy Includes:
Email email@example.com to get started on your path to pro-shop success.
Certify Your Team to Teach Archery
To elevate your club, be it JOAD or some other type of development or competitive program, become a USA Archery certified instructor or coach.
USA Archery certification will bring much more credibility to your program, and, you will learn more about the target side of archery.
Sometimes it's just not feasible to have your whole team travel at the same time, and the travel costs soon add up.
Lynda has certified 100+ instructors and coaches and will travel to your location to train your team.
Host Responsibility
* Plus travel/lodging
Requirements for Level 2/3 certification
Trainer Responsibility
Necessity is the mother of invention.
Desire will fuel your intention.
Necessity and Desire will fuel your fire,
and the Results will get your attention.
~ Lynda LeCompte


text:
Live Longer: The Secrets of Longevity Revealed by World's Oldest Communities
In Australia, the average life expectancy is 85.7 years for women and 80.3 for men, which seems pretty OK, besides the clear reverse sexism. It's certainly a lot better than it used to be, so it seems churlish to complain about dropping off the twig at eighty.
But there are places in the world where people have a strong chance of living far past Australian averages: where crossing the 100-year threshold is a common occurrence and folks seem to possess some kind of secret to good health and long life.
Well, it turns out that in these places, folks possess some kind of secret to good health and long life. There are no guarantees of course, but residents of these five spots can definitely teach us something about keeping mind and body together longer.
Inhabitants of these Japanese islands are five times more likely to make it to 100 than in the rest of Japan–which is already longer-lived than most of the world–,two factors are given credit for that remarkable performance. Firstly, a healthy local diet involving a little fish and a lot of tofu and sweet potato – naturally some of you might think dying young is preferable, but we're just sharing information here. Secondly, Okinawans' strong sense of community means the elderly maintain strong social networks between themselves and with other generations, which is known to reduce stress and improve a sense of belonging.
The Italian island of Sardinia has one of the world's highest percentages of 100-plus citizens, which has been partly attributed to, again, the healthy local cuisine. Sardinians benefit from organically grown vegetables, pure groundwater and fresh milk, living well on the food they grow themselves. Also, life in Sardinia's pure mountain air is great for the body as well as the soul. Plus, a glass a day of wine seems to do its bit. Which shouldn't displease too many of you.
In the elevated town of Nicoya, in Costa Rica, residents drink calcium-rich water, eat a diet rich in unsweetened dairy, whole grains and fresh veggies, and tend to do physical labour their whole lives. In addition, the philosophy of plan de vida, or "reason to live", is based on a powerful focus on family ties, with the oldest members of the community living with their families and benefiting from the support systems that provide.
Loma Linda
America isn't a shining beacon of longevity, but the city of Loma Linda, California, bucks the trend with its 9000-strong Adventist community, whose version of Christianity includes a philosophy of life that has boosted their life expectancy well above average. Their concept of a "sanctuary in time" – a weekly break from life's stresses to focus on family, friends, God, or whatever is important to you – seems to work to ease the burden of life. Also, they…eat a lot of nuts. Which…sure.
On the Greek island of Ikaria, a whopping third of inhabitants live past ninety. Unsurprisingly, the themes of strong family bonds, an active lifestyle and healthy diet recur here. But locals also say their longevity is down to Ikarians' commitment to continuing their passions into old age. Seems like refusing to give up doing what you love just because you're old, is a great way to stay young.


text:
Here's the Play Services Info APK Android utility APP Free download. Little utility application to rapidly check the status of the Google Play services. It demonstrates the variant number, establishment date and date of the last overhaul. It likewise gives connections to the Play Store, APK Mirror and the application data exchange. The application can be utilised to introduce or overhaul the Google Play services. Install this free app on your android smartphones and tablets and let us know your thoughts about the app in the comments below.
- APK Size: 02MB
- APP Installs: 1,000,000 – 5,000,000
- Android Version: 2.3 and up
- Android Apps Developer: weberdo
Play Services Info APK. Updated/Latest Version:
Play Services ANDROID APP FEATURES:
- To fix "Google Play Services has stopped" errors, try opening the app info dialog and select "clear cache". If that does not work, try the "uninstall updates" option and re-install the Google Play services using the Play Store or APK Mirror link.
- Please note: Play Services Info is not affiliated with APK Mirror or Google Inc.
- Download the Android APP from the button below in the download section
- Install this Apk
- Launch That's All
- Like us on Facebook: http://facebook.com/apkreal or like us using the floating chat head on your right!
- Request more Mods at https://apkreal.io/request/
DOWNLOAD:Play Services Info APK
MIRROR LINKS:Play Services Info APK
If you have any issues then please comment below or else just leave a thank you for the apk!
Also Download: SKRWT


text:
A cold chain is a temperature-controlled supply chain. The cold chain includes various products such as produce, seafood, frozen food, photographic film, floral, chemicals and pharmaceuticals – all of which have specific temperature requirements in regards to storage and transportation to maintain quality and freshness.
The cold chain is a bit more complex than a standard one. The biggest challenge in this type of supply chain is that there are multiple parties involved who do not all have the same level of visibility or protocols to follow. This causes breakdowns in the chain which can ultimately ends in disaster – aka: spoiled products, for example. Also, there is not 100% transparency among every step in this supply chain. Typically, temperatures of perishable goods are easily tracked and monitored within distribution and warehouse facilities, however, once the product is loaded and transported that visibility gets lost, again resulting in possible product loss or damage.
Without the proper protocols, security, and technology, cold chain products are put at risk. One statistic provided by DeltaTrak says if a trailer's temperature increases by only 2 degrees Fahrenheit, it can reduce produce shelf life by as much as 50%. To put in a monetary perspective, here's a different example provided by Inbound Logistics: one shipment of pharmaceutical products could cost a company anywhere from $150,000 to millions of dollars if transportation temperatures are not maintained. That's why keeping a close watch on these temperature-controlled trailers and environments is critical to any successful business within the cold chain.
Why Temperature Control and Monitoring is Important
With the proper protocols in place in conjunction with real-time visibility tracking technology and temperature sensor monitoring, your cold chain operations will benefit greatly. Take a look at some of the benefits we've provided below.
- Reduce the risk of spoilage and waste. With visibility to the temperature of the trailer, the whereabouts of the trailer and more, you'll be able to maintain high quality and freshness of your products and feel confident your products will arrive safely and intact.
- Improve inventory & logistics management. Having the right technology and protocols in place will help the left-hand talk to the right-hand – allowing for streamlined operations ultimately improving your bottom line.
- Proactive Compliance. Early incident detection allows you to act quicker – stopping spoilage (and more) before it occurs.
- Avoid brand damage. Nothing hurts worse than having your brand be compromised. With the proper procedures and track-and-trace, temperature sensor technology in place, you're doing your part to maintain upstanding quality and reputation of your brand.
- Decrease liability. Technology and protocols can help reduce risk to the vehicle and driver safety, which in turn will decrease liability.
- Stay ahead of the competition. Implementing standard operating procedures and the latest technology will put your brand at the top of the heap. Why? Because now your products are consistently fresh and in the highest quality every time.
Best Practices to Efficiently Run Cold Chain Operations
To ensure your products maintain the highest quality within their temperature-controlled environment and your operations are run as efficiently as possible, we've compiled these 6 best practices to keep in mind.
- Secure trained, temperature controlled specialists. Keep in mind, when looking for qualified experts, they should understand the importance of a strong relationship between the carrier and the shipper. Look for specialists who will help both the shipper and carrier benefit by balancing unattractive load qualities with more strategic initiatives. This will help lead to strong vendor relationships.
- Foster strong relationships based on needs. Consider what all parties need including the shippers and carriers. This will help secure capacity in the right lanes at the right times and help mitigate higher costs.
- Set clear expectations for all parties from the get go. Discuss all details with all vendors including assigning tasks to each role so that each party has a complete understanding of their job function in maintaining quality within your cold chain based off your requirements. Planning ahead will help mitigate risks and assist in quickly resolving any complications that may arise.
- Share responsibility at the most critical and complex points in a temperature controlled supply chain – during loading and unloading. Following these three protocols between the shipper and the carrier will aid in your commitment to shipping high-quality goods every time:
- Confirm the temperature needed for your product. All parties should know what temperature your products require so that quality is not compromised.
- Inspect the condition of the equipment. Check for things that could compromise the proper temperature of your products including: positioning of trailer vents, tears in chutes, odors that may contaminate products, etc.
- Check for proper container air flow. Blocked air flow may cause hot or cold air spots which can cause the temperature to drop or spike. Maintaining proper air flow will help regulate the temperature your products require.
- Find the right technology based on your costs and needs. What type of products you have and the value of your products will help you determine how much you need to spend on new technology. More expensive or sensitive products may be worth adding more robust technology which may be costlier. Data provided by technology can help achieve things like: improvements in decision making through real-time track and trace visibility technology, managing your fleet and the maintenance of your vehicles, keeping the vehicle, driver and cargo safe as well as maintaining regulatory compliance. Various technology to keep in mind that can assist you within your cold chain operations includes tracking the trailer's temperature and air flow with real time reporting, temperature sensors within the trailer, GPS tracking and automatic alerts if temperature values stray from the specified range.
- Establish best practices and standard operating procedures among all parties. Be detailed so there are no questions! Three main points your SOPs should include are: who is responsible, what needs to happen, and how checks and balances occur. Here's a list of some additional details you may want to include within your SOPs:
- Acceptable temperature ranges
- Continuous temperature vs cycle settings to proper seals
- Contingency plans
- Equipment expectations
- Process for returns and rejections
With the right tools and end-to-end visibility, you'll be able to proactively focus on regulatory compliance and audits of your vendors and protocols instead of having to manually monitor the details in between. The end goal should always be to be proactive and to intercept food quality and safety issues before they turn into problems. There is no price you can put on the value of your brand so take care of it!
Overhaul provides the level of visibility and security needed to help streamline operations while keeping cargo secure. Also, with temperature reporting features and alerts coming in the future, cold chain businesses will have the comprehensive technology they need to quickly and easily maintain proper temperature controls and mitigate risk before it takes a turn for the worst.
We're committed to helping you receive the right level of temperature checks and load transparency, before it's too late!
Inbound Logistics. "Navigating Pharma Logistics." https://www.inboundlogistics.com/cms/article/navigating-pharma-logistics/
DeltaTrak. "Produce Shelf Life: Issues and Extension Methods from Harvest to Retailer." https://www.deltatrak.com/index.php/produce-shelf-life-issues-and-extension-methods-from-harvest-to-retailer. 2014.
Petersen, Mark. "Six Supply Chain Best Practices for Temperature-Sensitive Freight." Food Logistics, Jolene Gulley, 27 June 2016, www.foodlogistics.com/article/12217679/six-supply-chain-best-practices-for-temperature-sensitive-freight-cool-insights-june-2016. Accessed 28 Mar. 2017.
Wikipedia contributors. "Cold chain." Wikipedia, The Free Encyclopedia. Wikipedia, The Free Encyclopedia, 22 Mar. 2017. Web. 29 Mar. 2017.