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AWS Certified SAA | 17 Apr 2019
Amazon EC2 is a web service that provides resizable compute capacity in the cloud. Amazon EC2 reduces the time required to obtain and boot new server instances to minutes, allowing you to quickly scale capacity, both up and down, as your computing requirements change.
EC2 Pricing Models
- On Demand
Allows you to pay a fixed rate by the hour with no commitment.
- no up-front payment required
- applications with short term, spiky or unpredictable workloads that cannot be interrupted
- applications being developed or tested on Amazon EC2 for the first time
- Reserved
Provides you with a capacity reservation and offer a significant discount on the hourly charge for an instance. Contract Terms are 1 Year or 3 Year Terms.
- applications with steady state or predictable usage
- applications that require reserved capacity
- users able to make upfront payments to reduce their total computing costs even further
- Types of Reserved Pricing
- Standard Reserved Instances
Up to 75% off on-demand instances. The more you pay up front and the longer the contract, the great the discount.
- Convertible Reserved Instances
These offer up to 54% off on demand capability to change the attributes of the Reserved Instance as long as the exchange results in the creation of Reserved Instances of equal or greater value.
- Scheduled Reserved Instances
- Standard Reserved Instances
- Spot
Enables you to bid whatever price you want for instance capacity, providing for even greater savings if your applications have flexible start and end times.
- Applications that have flexible start and end times
- Applications that are only feasible at very low compute prices
- Users with urgent computing needs for large amounts of additional capacity
- If the Spot instance is terminated by EC2 you will not be charged for a partial hour of usage. However, if you terminate the instance yourself, you will be charged for any hour in which instance ran.
- Dedicated Hosts Pricing
- Regulatory requirements that may not support multi-tenant virtualization
- Great for licensing which does not support multi-tenancy or cloud deployments
- Can be purchased On-Demand (hourly.)
EC2 Instance Types
- F1 - FPGA, Field Programmable Gate Array
- I3 - IOPS, High Speed Storage
- G3 - Graphics, Graphics Intensive
- H1 - High Disk Throughput
- T3 - Cheap general purpose (think T2 Micro)
- D2 - Density, Dense Storage
- R5 - RAM, Memory Optimized
- M5 - Main choice for general purpose apps
- C5 - Compute, Compute optimized
- P3 - Graphics (think Pics), Graphics / General Purpose GPU
- X1 - Extreme Memory, Memory Optimized
- Z1D - Extreme Memory and CPU, High compute capacity and a high memory footprint
- A1 - Arm-based workloads
- U-6tb1 - Bare Metal
EC2 Instances
- Termination protection is turned off by default
- On an EBS-backed instance, the default action is for the root EBS volume to be deleted when the instance is terminated
- EBS Root Volumes of the default AMI's cannot be encrypted. You can only use a third-party tool to encrypt the root volume.
- Additional volumes can be encrypted upon launching an instance.
Security Groups
- All Inbound traffic is blocked by default
- All Outbound traffic is allowed
- If you add / remove a security group to EC2 instance or modify the rules in security group, this change will take place immediately.
- You can have any number of EC2 instances within a security group
- You can have multiple security groups attached to EC2 Instances
- Security Groups are STATEFUL
If you create an inbound rule allowing traffic in, that traffic is automatically allowed back out again
- You cannot block specific IP addresses using Security Groups, instead, use Network Access Control Lists
- You can specifically allow rules, but not deny rules.
- Status Checks
- System Status Checks
- Instance Status Checks
- Detailed Monitoring
EBS Volumes
5 Types of EBS Storage
- General Purpose (SSD)
- API Name: gp2
- Up to 16000 IOPS
- Applications: Most Workloads
- Storage: 1GB - 16TB
- Provisioned IOPS (SSD)
- API Name: io1
- Up to 64000 IOPS
- Highest performance SSD volume designed for mission-critical applications
- Applications: Databases
- Storage: 4GB-16TB
- Throughput Optimized (HDD)
- API Name: st1
- Up to 500 IOPS
- Low-cost HDD volume for frequently accessed throughput intensive workloads
- Applications: Big Data & Data Warehouses
- Storage: 500GB - 16TB
- Cold Hard Disk Drive (HDD)
- API Name: sc1
- Up to 250 IOPS
- Lowest cost HDD volume designed for less frequently accessed workloads
- Applications: File Servers
- Storage: 500GB - 16TB
- Magnetic (HDD)
- API Name: Standard
- Previous generation HDD
- Applications: Workloads where data is infrequently accessed
- Storage: 1GB - 1TB
- By default, upon EC2 instance termination:
- root EBS volume will be automatically terminated
- additional volumes attached to the instance will continue to persist
- SSD is good for random access, HDD is better for sequential access
- EBS Encryption
- Root device cannot be encrypted on the first launch
- To encrypt the root volume:
- Launch the instance with the root volume
- Create a snapshot of unencrypted root device volume
- Create a copy of the Snapshot and select the encrypt option
- Create an AMI from the encrypted Snapshot
- Use AMI to launch new encrypted instances
(only specific instance types will be supported)
- To encrypt the root volume:
- Secondary volumes can be encrypted
- Snapshots of encrypted volumes are encrypted automatically
- Volume restored from encrypted snapshots are encrypted automatically
- You can share snapshots, but only if they are unencrypted
- These snapshots can be shared with other AWS accounts or made public
- Root device cannot be encrypted on the first launch
- Volumes exist on EBS
- Snapshots exist on S3
- Snapshots are a point in time copies of Volumes
- Snapshots are incremental - this means that only the locks that have changed since your last snapshot are moved to S3
- If you take snapshot for the first time it may take some time
- You can take a snapshot while instance is running, however it's better to stop the instance when taking snapshot from the root Volume to assure consistency
- You can create AMI's from both Volumes and Snapshots
- EBS volume sizes can be changed on the fly
- Volumes will ALWAYS be in the same availability zone as the EC2 instance
- Moving EC2 volume from one AZ to another
- take snapshot of the volume
- create AMI from the snapshot
- launch EC2 instance in a new AZ using the AMI
- Moving EC2 volume from one region to another
- take a snapshot of the volume
- create AMI from the snapshot
- copy AMI from one region to another
- use AMI to launch the new EC2 instance in the new region
AMI can be selected based on:
- Region
- Operating System
- Architecture (32-bit / 64-bit)
- Launch Permissions
- Storage for the Root Device (Root Device Volume)
- Instance Store (Ephemeral Storage)
- The root device for an instance launched from the AMI is an instance store volume created from a template stored in Amazon S3
- Instance store volumes will not be shown in volumes section
- Instance store instances cannot be stopped: they can only be terminated or rebooted
- If the underlying host fails, you will loose your data
- Cannot keep root volume upon instance termination
- Data is lost when the instance is restarted
- These instances are free, you will get charged for the instance usage
- Instance size is determined by the instance type
- Temporary block-type storage
- Disks are physically attached to the hardware (SSD / HDD)
- These volumes are available to specific instance types
- EBS Backed Volumes
- Persistent block storage volume
- The root device for an instance launched from the AMI is an Amazon EBS volume created from an Amazon EBS snapshot
- Can be attached to any EC2 instance type
- Can be scaled up and down based on your requirements
- Instance Store (Ephemeral Storage)
- CloudWatch monitors performance
- CloudWatch monitors most of AWS as well as your applications that run on AWS
- CloudWatch with EC2 will monitor events every 5 minutes by default
- You can have 1-minute intervals by turning on Detailed Monitoring
- You can create CloudWatch alarms with trigger notifications
- Host Level Metrics
- Network
- Disk
- Status Check
- Alarms
Allows you to set Alarms that notify you when particular thresholds are hit
- Dashboards
Creates awesome dashboards to see what is happening in your AWS environment
- Logs
Helps you aggregate, monitor and store your log data
- Events
Help you to respond to state changes in your AWS resources
AWS CloudTrail increases visibility into your user and resource activity by recording AWS Management Console actions and API calls.
- You can interact with AWS from anywhere in the world just by using the command line (CLI)
- You will need to set up access in IAM
IAM Roles
- Roles are more secure than storing your access key and secret access key on individual EC2 instances
- Roles are easier to manage
- Roles can be assigned to an EC2 instance after it is created using both the console & command line
- Roles are universal - you can use them in any region
Instance Metadata
- Metadata is used to get information about an instance (such as public ip)
- Examples
- Show the bootstrap script
curl http://169.254.169.254/latest/user-data
- Show the options available
curl http://169.254.169.254/latest/meta-data
- Show the private and public v4 IPs
curl http://169.254.169.254/latest/meta-data/local-ipv4
curl http://169.254.169.254/latest/meta-data/public-ipv4
- Show the bootstrap script
EFS (Elastic File System)
- File storage service for Amazon EC2 instances
- Storage capacity is elastic, growing and shrinking automatically as you add and remove files
- It's a great way to share files among EC2 instances
- Supports the Network File System version 4 (NFSv4) protocol
- EFS can be mounted using
- EFS mount helper
- EFS mount helper with TLS
- You only pay for the storage used
- Can scale up to petabytes
- Can support thousands of concurrent NFS connections
- Data is stored across multiple AZ's within a region
- Read After Write Consistency
FAQ Notes
- Longer EC2, EBS and Storage Gateway resource IDs allow uninterrupted creation of new resources
- The speed of launching an instance depends on the number of factors, including the size of your AMI, the number of instances you are launching, and how recently you have launched that AMI. Images launched for the first time may take slightly longer to boot.
- Instance Limits: you are limited to running a total of 20 On-Demand instances across the instance family, purchasing 20 Reserved Instances and requesting spot instances based on your dynamic Spot limit per region.
- There are limitations of the number of emails that can be sent out from EC2. These limits can be removed when filling the request.
- EC2 supports a variety of operating systems including Amazon Linux, Ubuntu, Windows Server, Red Hat Enterprise Linux, SUSE Linux Enterprise Server, Fedora, Debian, CentOS, Gentoo Linux, Oracle Linux, and FreeBSD.
- All AWS underlying hardware in EC2 uses ECC memory (Error-correcting code memory)
- Service Level Agreement (SLA)
- Guarantees a Monthly Uptime Percentage of at least 99.99% for EC2 and EBS within a Region
- SLA credit will be provided if the region you are operating in has a Monthly Uptime Percentage of less than 99.95% during any monthly billing cycle.
- Accelerated Computing Instances
Use hardware accelerators or co-processors to perform some functions, such as floating point number calculation and graphics processing, more efficiently than is possible in software running on CPUs. EC2 provides 3 types of accelerated computing instances: GPU compute instances, GPU graphics instances, FPGA programmable hardware compute instances.
- GPU Instances
- workloads with massive parallelism
- good for Graphics processing
- good for applications where the throughput of a pipeline is more important than the latency of the individual operations
- G3 Instances
- G3 provided a high-performance platform for applications using DirectX or OpenGL
- G3 instances support DirectX 12, OpenGL 4.5, CUDA 8, and OpenCL 1.2
- P3 Instances
- P3 are the next-generation of EC2 general-purpose GPU computing instances
- P3 instances support CUDA 9 and OpenCL
- P3 have new features like Streaming Multiprocessor (SM) architecture for machine learning (ML)/deep learning (DL) performance optimization, second-generation NVIDIA NVLink high-speed GPU interconnect and highly tuned HBM2 memory for higher-efficiency
- NVIDIA Tesla V100 accelerator adds features that improve programmability - advances will supercharge HPC, data center, supercomputer, and deep learning systems and applications.
- P3 Instances benefit Artificial Intelligence (AI), Machine Learning (ML), Deep Learning (DL) and High-Performance Computing (HPC) applications. Users includes data scientists, data architects, data analysts, scientific researchers, ML engineers, IT managers and software developers
- Use-cases for P3 instances: autonomous vehicle platforms, speech, image and text recognition systems, intelligent video analytics, molecular simulations, drug discovery, disease diagnosis, weather forecasting, big data analytics, financial modeling, robotics, factory automation, real-time language translation, online search optimizations, and personalized user recommendations
- P3 Instances will support VPC only.
- P2 instances
- P2 instances support CUDA 8 and OpenCL 1.2
- NVIDIA drivers for P3 and G3 instances
- Can be obtained from AWS Marketplace by using AMIs with the pre-installed drivers
- Alternatively, you can use HVM AMIs and install the drivers yourself
- EC2 F1 Instance
- The instance with programmable hardware that can be used for application acceleration
- High performance, easy to access FPGA for developing and deploying custom hardware accelerations
- Amazon FPGA Image (AFI) - the design that you create to program your FPGA
Compute-Optimized Instances
- C5 Instances offer a 25% price/performance benefit over C4 instances
General-Purpose Instances
- A1 Instances
- Using Graviton Processors
- ARM ecosystem
- Applications based on interpreted or run-time compiled languages should run without modifications. Other applications may require to be recompiled to run on ARM instead of x86.
- arm64 AMIs should be used
- x86 AMIs are not compatible
- EBS volumes are supported, through Non-Volatile Memory Express (NVMe) interface. Blkfront interface is not supported
- Supports ENA based Enhanced Networking - up to 10Gbps of network bandwidth
- Support AWS Nitro System - a combination of dedicated hardware and Nitro hypervisor
- M5 Instances
- Good choice for running development and test environments, web, mobile and gaming applications, analytics applications
- Provides instances with a higher memory footprint
- Customers using M4 Instances should move to M5
- Delivers up to 14% improvement in price/performance compared to M4
- EBS Volumes is the only storage supported
- Supports ENA Enhanced Networking with up to 25 Gbps of network bandwidth when launched within a placement group
- Up to 27 EBS Volumes can be used
- Uses lightweight Nitro Hypervisor, based on core KVM technology
- Fixed performance instances are C, M and R
- Burstable performance instance (T2)
- Bursting CPU Credits
- CPU Credit Balance and other related metrics can be monitored from CloudWatch
- When running low on credits t2 instance provides a baseline CPU performance of 10% of a physical CPU core.
- The stopped instance does not retain the previously earned credit balance
High Memory Instances
- 6 TB, 9 TB, or 12 TB of memory in a single instance
- Useful for running large in-memory databases
- Uses ENA-based Enhanced Networking
- Delivers high networking throughput and low-latency with 25 Gbps bandwidth
- Certified by SAP for running Business Suite on HANA
- Instance Types: u-6tb1.metal, u-9tb1.metal and u-12tb1.metal
- 448 logical processors, a total of 224 CPU cores
- EBS Volumes supported, EBS-optimized instances by default
- These instances are bare metal instances, they do not run on a hypervisorAva
- Available on EC2 Dedicated Hosts on a 3-year Reservation
- You can launch, stop/start, and terminate instances on your EC2 Dedicated Hosts using AWS CLI/SDK.
Previous Generation Instances
- M1, C1, CC2 and HS1
Memory Optimized Instances
- Large memory size for memory intensive applications
- X1 instances are ideal for in-memory databases
- X1e instances offer twice the memory per vCPU compared to the X1 instances
- X1e instances - 32 GB of memory per vCPU, from 4 vCPUs to 128 vCPUs
- X1 instances - 65 GB of memory per vCPU
- Intel E7 processors
- SSD based instance store and EBS (Instances are EBS-Optimized by default)
Storage Optimized instances
- Dense-storage instance - for workloads with high sequential read and write access to very large data sets
- HDD-storage instances
- d2.8xlarge - up to 3.5 GBps read and 3.1 GBps write disk throughput with a 2MiB block size, h1.16xlarge - up to 1.15 GBps read and write.
- H1 and D2 instances are EBS-optimized by default
- Attaching multiple instances to one volume is not supported at this time
- Though EBS snapshots reside in S3, they cannot be accessed using S3 API, and can be accessed using EC2 APIs
- Snapshots can be done while volume is attached an in use
- You can find the snapshots shared with you by using the "Private Snapshots", while public using "Public Snapshots" from the viewing dropdown in the console
Networking and Security
- Elastic Fabric Adapter (EFA) - uses a custom-built operating system bypass technique to enhance the performance of inter-instance communications which is critical to scaling HPC applications.
- All accounts are limited to 5 Elastic IP addresses per region. You will be charged a small hourly rate for each unassigned IP address.
- Enhanced networking provides significantly improved performance, consistency of performance and scalability.
- can be enabled when launching an HVM AMI with the appropriate drivers
- Amazon CloudWatch receives and aggregates data at 1-minute intervals
- CloudWatch metrics for terminated resources are available for 2 weeks
- Instance Hibernation
- useful when the instance takes a long time to bootstrap
- can be considered as pre-warmed instances
- RAM data is persisted to the root EBS volume during the hibernation
- You do not incur instance usage fees while an instance is hibernating
- Hibernation should be enabled when launching an instance
- Hibernated instances are in 'Stopped' state
- EBS volume data is persisted as in hibernate state as in stopped state
- RAM data is encrypted when moved to EBS
- Instances can be hibernated for a maximum of 60 days
- Hibernation is supported for specific instance types
- VM Import/Export
- Enables Importing Virtual Machine (VM) images in order to create Amazon EC2 instances
- You can export EC2 instances as well to create Virtual Machines
- Import / Export commands are not available in the management console. You have to use EC2 CLI and API
- Billing starts when the instance transitions to the Running state
- Reserved instance is associated with a spefic region, which is fixed for the duration of the reservation's term
- EC2 Fleet lets you provision compute capacity across difference instance types, AZs and On-Demand, Reserved and Spot Instances with a single API call
- Reserved Instance Marketplace - provides AWS customers the flexibility to sell their EC2 RIs to other businesses and organizations.
- Spot Instances
- spare EC2 capacity
- can save you up to 90% off on-Demand prices
- AWS can interrupt them with a 2-minute notification
- Amazon Time Sync Service - available on 169.254.169.123. NTP clients can be configured
- Cluster Compute Instances - provide similar functionality to other Amazon EC2 instances but have been specifically engineered to provide high-performance networking
- High Memory Cluster Instances provide customers with large amounts of memory and CPU capabilities per instance in addition to high network capabilities
- EC2 Compute Unit
- represents CPU resource
- is used to provide a consistent amount of CPU capacity no matter what the actual underlying hardware


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SPRINGFIELD, IL – Comptroller Leslie Munger announced Wednesday that she plans to skip the state's pension payment for November. State Senator James Clayborne (D-Belleville) reacted to the Comptroller's decision.
"We're heading down a road we're all too familiar with," Clayborne said. "We know what happens when we don't make our pension payments because that's how we got here in the first place. The comptroller and governor should be using their business experience to bring forth innovation not reviving past mistakes we're working to eradicate."
CHICAGO – In response to the recent announcement from the comptroller's office that Illinois will skip its November pension payments, Senator John G. Mulroe (D-Chicago) has issued the following statement:
"We have made great progress in the last four years in making our pension payments that have been escalating during that time. It's unfortunate that the governor is unwilling to talk about the budget and our obligations to make pension payments. They are directly connected. The failure to make mandated pension payments will end up hurting everyone in the state; this decision will lead to a downgrade in bond ratings, further damaging our financial outlook. It's time for the governor to put aside his non-budget related agenda and deal with what's of immediate concern."
SPRINGFIELD — State Senator Kwame Raoul (D-Chicago 13th) issued the following statement in response to Comptroller Leslie Munger's announcement today that the State of Illinois will skip its required November pension payment of $560 million:
Illinois' sorry history of skipping payments to its pension systems has made its unfunded pension liability the highest in the country. The state has used its pension funds like credit cards to fund essential services because of a persistent unwillingness to face the fact that revenue isn't keeping pace with the needs of its people.
CHICAGO – Senate President John J. Cullerton released the following statement regarding Mayor Rahm Emanuel's 2016 budget address.
"I join Mayor Emanuel in his efforts to both celebrate and protect our world-class city. We simply cannot ignore the painful reality that the city's looming pension debt is threatening the financial stability of Chicago. In the coming days, city and state leaders will be calling on Chicagoans to accept the challenges and financial obligations that come with maintaining the progress of the city that is the economic engine of Illinois.
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subset: commoncrawl


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So you are tired of traditional storybooks? Augmented reality stories can provide your children with a more engaging experience. Little Storybook mixes physical and digital worlds to allow children to create and share their stories. The Little Storybook Pack lets children create their own 3D storybook. The companion app lets you add voice, photo, 3D and other effects to your storybook.
The above video shows how the Little Storybook works. More information is available on Kickstarter.
*some of our articles have aff links. Please read our disclaimer on how we fund Exxponent.


text: Digital Upcoming Facebook for Business Webinars Facebook for Business has several webinars on tap covering topics including Instagram, lead ads, Messenger, dynamic product ads, Slideshow and local awareness ads.By David Cohen|April 22, 2016 Share By David Cohen|April 22, 2016 Share Facebook for Business has several webinars on tap covering topics including Instagram, lead ads, Messenger, dynamic product ads, Slideshow and local awareness ads.The social network offered details on the webinars in a Facebook for Business post:Getting the Most Out of Facebook and Instagram Together, April 26: Learn how and why to run campaigns across Facebook, Instagram and Facebook Audience Network. Through this webinar, you'll get guidance on when to advertise on the platforms together versus separately, learn creative best practices and see other advertisers' examples and success stories. Register now.Getting the Most Out of Facebook's Lead Ads, April 28: Get the leads that matter most to your business. Lead ads give people a quick and privacy-safe way to sign up to get information from businesses. Through this webinar, you'll learn the benefits of lead ads, get tips on how to use them for higher-quality leads and see other advertisers' results and case studies. Register now. Advanced Performance Marketing on Instagram, May 5: Learn how to maximize the performance of your direct-response campaigns on Instagram. Our product team will cover best practices, including targeting, bidding, creative, reporting and optimization. Register now.Messenger Best Practices, May 26: More people than ever are messaging businesses on Facebook. Using Messenger on your page is a great way to connect with the people that matter most to your business. Learn how to use this valuable communication channel in the most effective way. Register now.Best Practices for Maximizing Success With Dynamic Ads, June 9: Dynamic ads enable advertisers to promote their entire product catalog on Facebook. Through this webinar, you'll learn how to set up dynamic ads (including setting up the Facebook pixel and app events, prepare your product catalog, optimize for product sales and choose your target audiences. Register now. Going Global With Facebook, June 15: Whether you're just starting to think about expanding to new countries or are already reaching international audiences, this webinar will give you an overview of Facebook offerings for cross-border marketers, insights on optimizing your campaigns for global audiences and best practices from experienced global businesses. Register now.What's New With Slideshows on Facebook, June 29: Slideshows on Facebook are helping businesses of all sizes capture people's attention with video. Find out how to get started, learn to create a Slideshow video campaign in minutes and hear success stories from businesses around the world. Register now.Local Awareness Ads—The Right Place at the Right Time, June 30: Local awareness ads are the best way to reach people near your business. Through this webinar, you'll learn how businesses with multiple locations can share a locally relevant message, at scale. Our team will also share best practices and success stories. Register now. Share http://adweek.it/1XLHMyu copy Adweek Adweek


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AHRQ-Funded Projects
Current search
- Remove New York filter New York
- Remove Hypertension filter Hypertension
- Remove Chronic Conditions filter Chronic Conditions
- Remove Elderly filter Elderly
- Remove Uninsured filter Uninsured
- Remove Ended filter Ended
Search found 4 items
Information Needs of Homecare Nurses During Admission and Care Planning
This project will analyze and model the information requirements, decisionmaking, and workflow of homecare nurses admitting patients and characterize if and how health information technology systems support their needs.
Insights for Community Health
This project implemented a personal health record and population-level dashboard to assist lay health workers in a church-based setting with the goal of improving blood pressure control, and succeeded in increasing the number of participant physician visits and total fruit and vegetable consumption.
Improving Medication Management Practices and Care Transitions through Technology
This project examined the relative effectiveness and cost-effectiveness of a health information technology intervention designed to facilitate high-quality care transitions to home health care.
Evaluation of a Computerized Clinical Decision Support System and Electronic Health Record (EHR)-linked Registry to Improve Management of Hypertension in Community-based Health Centers
This project analyzed the efficacy of using clinical decision support and performance feedback to improve the control of hypertension in patients treated in community health centers.


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Welcome to Wear Wag Repeat Podcast Episode 7: Crystal Serowka of Woof & Walls talks about how she created one of the most colorful feature accounts on Instagram. Hear how she continues to drive engagement for her account and the best hashtags to search to find street art in any city. You'll also learn about a new digital publication that highlights independent dog accessories brands around the world.
Listen to the Episode
Crystal Serowka started Woof & Walls as a feature account on Instagram, curating the cutest pups and the most colorful street art from around the world. Over the last year of being founded, she's expanded into much more than just a feature account. Last month, Woof & Walls released their first issue of Pawlished, a monthly digital look book filled with seasonally appropriate fashion for dogs. With more exciting things on the horizon, Woof & Walls is eager to continually grow their brand, but one thing will always be number one in their hearts: dogs and street art.
Tori: How did you come up with the idea for Woof & Walls?
Crystal: I always loved taking photos of my own dogs in front of street art. At the time I only had Paris, my chihuahua. I took her out around Chicago and took photos of her in front of street art. I did a few searches on Instagram and was blown away that I couldn't find one account about dogs and street art. That night I told my best friend and boyfriend that I was going to start this account. I had a grand idea of featuring my dog and other people's dogs. I started it and within the first two months it was pretty slow. Then overnight, i began getting tagged in photos and people would DM me their photos. It really picked up speed, then we were featured on BuzzFeed which really made a difference!
Tori: One of my favorite things about your account is how you use the color wheel, tell us about that and how you came up with that idea.
Crystal: I love the way it looks! Four or five months into this account I started saving my tagged photos into my phone. I created color based folders on my phone to organize them. I have about 25 different folders on my phone for all of them.
Tori: What are some of the key things you do to continually grow an Instagram account?
Crystal: One of my favorite things is my takeovers. How that works is that I create a password and let other users log in to my account, then they go out for the day and basically "wall crawl" and post a ton of content to my Instagram Stories. It allows my followers to see all these other cities, and other street art from around the world. When another account takes over, they can also tell their followers to come over to Woof & Walls to check it out. So it provides great value to my followers and helps me reach new audiences.
Tori: Any tips to find the best street art?
Crystal: The best way is to look on Instagram. For example, in Chicago I search #chicagostreetat or #chicagomurals. This works for any city! I think it's one of the best ways to find what street art is around you. I recently did this in Madison. (editor's note: I also did this in Asheville and found so many murals!) If you take a great street art photo and post it on Instagram, please geo-tag it so other people can find it and enjoy it, too!
Are you creating your new digital magazine Pawlished by yourself? Who is the creative team behind it?
For Pawlished I have a partner named Lori, and she's incredible! We're always on the same page which is a great thing when you're working together. She has a dog named Charlie who is also one of the main models of Pawlished, alongside my dogs Paris and Emmy Lou. If we need larger dogs, we do a model call out on Instagram. Our designer for the magazine is named Courtney and she also created the Woof & Walls logo. Basically, she truly stepped inside my head and made the perfect logo for me! And for the magazine, she took idea for Pawlished and our notes and put it into an actual design.
Our goal for the magazine is to show vendors who make incredible products, but maybe don't have a huge following or the budget to take professional photos. We want to give them the attention they deserve. (Editor's note: Since we talked, Pawlished has grown so much that that Crystal and Lori have started to charge for placements in the magazine. Congrats, ladies!).
Woof & Walls Website
Woof & Walls Instagram
Pawlished October Issue
Woof & Floors
Subscribe to the Wear Wag Repeat Podcast through iTunes or Stitcher so you don't miss a single fun and inspiring episode!
If you love what you hear and want to support my efforts to shine a light on more creative dog moms, please leave a review for my show on iTunes*. For every review, I give Lucy an extra special treat… how could you deny her?! *If you're on a computer, open the link then click View in iTunes to write a review.
You can also see all the episodes on the Podcast page of my site.


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What summer outdoor activity did you engage in? Was it a good game of baseball with friends, a delicious meat eating after a perfect barbeque, or a sauna experience at the beach? All the outdoor activities must have somehow, excitingly though, taken its toll on you. However while enjoying your summer vacation or trip I presume that it must have dawned on you that you needed to safeguard yourself against the rays of the sun.
Then winter approaches and somehow you are forced to discard all the summer savvy apparels like shorts, T shirts, sunglasses and hats for the warmer winter savvy cloths like trousers, corduroy pants, and the leather with fur boots, jackets and the rest of them. What then happens to the summer stuff; the sun hats and glasses and sun screens, one would ask?
Well, what most folks don't know is that in the same token that one needs to protect himself from the rays of the sun in summer, one needs to also protect himself in winter. Sounds weird, I guess, especially considering that coldness is not even remotely related to the sun, or so you think. Research at the National Council of Skin Cancer Prevention has shown that very few people, in fact about 3 percent, put on protective sun glasses during winter and others; at 2 percent, put on during fall period. It is scientifically understood that even during these periods, sunburns coupled with snow blindness can affect a person. The fact that it is cold does not stop or influence the UV rays and the snow reflection from being emitted and as a result you will be causing yourself untold permanent damage in the long run if you don't put the necessary protection.
The US Environmental Protection Agency recommends the following simple steps to cushion you against harmful sun rays in winter and other seasons.
Shorten time under the sun at midday: At midday, 10 a.m to 4 p.m the sun is at its strongest and you therefore need to ensure that you keep away from the sun for long hours at this time period.
Put on a hat: Getting a wider hat that literally covers your eyes, face, ears and neck is a good way to curb overexposure and keep you safe from the UV rays.
Wear to cover body: Contrary to popular belief, wearing covering attire in the hot or winter sun period is a healthy thing to do. Most folks think that this is the time to wear scantily, especially in summer. Well, your health is more important and you therefore need to protect your skin from the harmful rays.
Use sunglasses: Sunglasses should be used to curb the UVB and UVA rays to avoid cataracts and other bad eye complications.
Use sunscreen: Apply sunscreen on skin and after 2 hours or following a swimming, working or exercising action. It must have the sun protection factor or SPF and it needs to be applied consistently.
Sunlamps coupled with tanning parlor; avoid them: Sunlamps and sunbeds emit artificial UV light that is harmful to both your skin and eyes and should therefore be avoided.
Check out for UV index: Created by the EPA and the National Weather Service, the UV index gives you a schedule of low and heightened sun rays durations so that you may plan around that schedule.


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Newbie: Are You Caught In Programming Mustn't Do
Newbie: Are You Caught In Programming Mustn't Do
The primary factor that you need to bear in mind on this journey is simply be good to everybody and all the time smile.
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Newbie: Are You Caught In Programming Mustn't Do
Refreshingly, what was anticipated of her was the identical factor that was anticipated of Lara Stone: to take a good looking image.
Newbie: Are You Caught In Programming Mustn't Do
You should be taught one factor. The world was made to be free in. Quit all the opposite worlds Besides the one through which you belong.
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Newbie: Are You Caught In Programming Mustn't Do
Calvin Klein recognized for launching the careers of such svelte fashions as Brooke Shields and Kate Moss to forged a mannequin who deviates from the scale normal and make a fuss about it to Dalbesio who spent years.
Newbie: Are You Caught In Programming Mustn't Do
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Group Management Accountant
|Job Title:
|Group Management Accountant
|Contract Type:
|£60,000 - £65,000 + Bonus
|Start Date:
|2019-05-14 00:00:00
|Job Published:
|May 14, 2019 09:16
Job Description
Our client are a highly successful consultancy business, they are currently seeking an ambitious qualified accountant to join them initially on a contract basis. Reporting to the Financial Controller you will manage a small team and your initial duties will include:-
- Completion of month end processes in line with group reporting timetable and policies
- Writing the management accounts commentary, explaining the key items within the financial statements and significant variance to budget; month end workings file to provide a robust audit trail to support the accounts
- Input towards the preparation of annual budget and monthly forecasts process
- Ensuring the accuracy of the company's underlying books and records including general ledger, accounts payable, accounts receivable & fixed assets register
- Preparation of the month end workings file to provide a robust audit trail to support the accounts
- Preparation of UK VAT returns
- Assist in the preparation of UK and international statutory returns
- Proactively assess current processes and procedures with a view to making improvements.
Ideally you will be a qualified accountant with experience of preparing management accounts ideally within a multi-currency environment. You will be hands on with an inquisitive nature and the ability to liaise across all levels of the business
Send your CV now.
Applicants must be eligible to work in the UK.
For more Finance jobs please contact me or one of my colleagues at CMC Consulting Ltd
CMC Consulting is committed to equal opportunities. We do our best to ensure that the wording used in our job vacancies does not discriminate against any individual in any way. Please contact us if you feel that this is not the case.
Please attach a word document of your CV to apply.
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Scrutiny of budget proposals hampered by '3 month old information' & lack of grasp of figures
Councillors attempting to look at budget cut proposals have been hampered by a lack of detailed information, with some of the aged information itself not being fully understood by some until the meeting itself – despite being public three months ago.
Last night's Employment, Business and Investment meeting was the first of four this week (two later today), with committees each looking to scrutinise relevant elements of the Difficult Decisions budget cuts and revenue generation proposals. One previous such meeting earlier this month also had problems.
15 budget proposals fell under the remit of the committee, as outlined in this document before the councillors. These documents were given as the requested detail to committee members, however appears to be selected pages from a document first circulated in late October when the savings plans were first unveiled ahead of the public consultation and thus not fresh information.
Cllr Dana Davies raised this as possibly problematic in a discussion over the three colour coded columns which illustrate how likely stated savings can be made, stating: "I was expecting that in this report these figures would be updated. Rather than colour coding I was expecting one column.
"We are getting the same document that went to Executive Board, in when, September or October? I thought we would be working up to a budget with new information, as time is moving forward."
The finance officer replied to say the council did not wish to make changes to create a live document as they were worried they would be 'accused of changing it'.
Council Leader Mark Pritchard backed that view, saying: "I would be very concerned, like you are, if that was the case. I would be concerned as I am sure we would be criticised that we would be seen as making decisions before scrutiny had met, and before consultation responses had been collected and looked at."
Cllr Davies was unimpressed, noting: "The information needs to be up to date, we have information from September and further work has taken place."
"We are two months away from putting the budget before full council. I am asking how realistic these numbers are. I do expect information up to date now not three months old."
The presentation of the savings prompted questions over what the colour coding meant in practice, with the "Achievable / Possible / Further Work to see if possible" being seen as fuzzy. Some savings proposals listed, including the Library service review, were not actually new suggestions, with the saving proposal figures stated based off previously started work dating back to the last administration.
The meeting was also told the three column colours were an aid to creating the consultation, and would disappear next month when the figures are firmed up into a single firm set of numbers.
Other questions revolved around confusion on the year one and year two figures, with the meeting told that if there was a figure for 2018/19 and another figure for 2019/20 the first figure was assumed to be carried forward and not restated – and any second year figure would be an additional saving on top of the initial figure. Several councillors in this and last meeting appeared to be under the impression the figures were for two separate one off savings rather than cumulative ongoing savings.
A council officer did confirm some wording was 'incorrect' on the document that has been public for three months, following on from a typo that changed £4 a week parking to £4 a month in a previous meeting, and the confusion over the stated community centre in Penycae.
Councillors again were asked to put forward replacement cuts or revenue generation ideas if they wished to remove any items – with some not seeing that as the role of Scrutiny. None were suggested for removal, and no alternative ideas were put forward.
The meeting reflected the one earlier this month, with extra depth being given to some elements of the proposed savings with some probing. With no limited extra / new information available the additional detail was provided from a wide range of officers and lead members present.
Prior to yesterday's meeting the full public information on Crown Buildings was to "Demolish/sell Crown Buildings Cash Limited Budget is £229k".
Cllr Marc Jones enquired if the impact on Wrexham town centre trade had been considered formally, with office workers making up footfall in town.
Cllr Davies asked for specific staffing numbers compared to office capacities so all Council offices could be assessed.
Cllr Andrew Atkinson said he could see 'both sides' of the argument of commercial receipts and Council cost savings, but was aware of the impact on the town, he also said he wanted to ensure if any demolition took place: "Can we have something lined up ready, so it is not an empty wasteland for years until a developer gets themselves sorted out."
The meeting was told by the council officer that no immediate decision is likely as 'we need more thinking time', adding that a new piece of work has been commissioned that will help Wrexham Council understand the surplus space in town. The principle from Wrexham Council is 'we should not occupy what we do not own', which creates a possible problem in the future on Lord Street where the office there has a lease until 2022.
The officer was asked 'if it is your intention to move staff into the town centre', which was diplomatically batted back, pointing out that the councillors give the political guidance and set the direction, "It is not my intention, it might be your intention if you want it".
IT services are housed in Crown Buildings, a building described by one who has suffered the draughty windows and dodgy heating as 'needing a heating system upgrade'.
Cllr Hugh Jones pointed out that some options in the Town Centre Masterplan for that site and others 'could create greater income and footfall than just council officers working there'.
With the debate being outside the budget discussions specifically and with the considerable interest in the topic it was proposed that the subject be added to the committee's future work programme specifically over the coming months.
Now discussing proposals to set a charge for Trevor, Chirk & Fron toilets. Cllr Skelland enquires if any Cllrs wish to declare an interest 👀
— Wrexham.com (@wrexham) December 19, 2017
Proposals to set a charge for Trevor, Chirk & Froncysyllte toilets was discussed, with Cllr Jones splitting out the Froncysyllte for specific feedback noting they were in the Pontcysyllte Aqueduct and Canal World Heritage Site area that "Is important as one of the jewels in Wrexham's crown".
Cllr Sonia Benbow-Jones agreed, saying: "It is so important we present a good face to visitors. This should not be a volunteer responsibility. It is about enhancing the visitor experience."
Later in the meeting the item listed as "World Heritage Site – Reduce expenditure" was discussed, with £40k savings listed with a funding withdrawal. Cllr Marc Jones was happy to remind Cllr Hugh Jones of his earlier glowing words, asking: "This is a worrying cut to funding. Are we clear we have replacement funding from the Canal and River Trust, are there any long term guarantees? Is this a risk to the heritage site?"
He added: "We have more detail on the toilets there, than the cuts to the actual heritage site."
Cllr Hugh Jones said: "I have to say I have some concerns in the reduction of the budget", explaining that he was 'reassured' as there was an agreement in principle with other stakeholders in terms of the ongoing management.
Cllr Alun Jenkins made it clear, stating: "We can't put its status in jeopardy, really we have to enhance what we have there. Calling it the jewel in the crown understates it. "
Clr Jenkins sums up council budget cuts "It is like going to the doctors, who says you have to lose an arm, but the question is which one? Everything is unacceptable."
— Wrexham.com (@wrexham) December 19, 2017
Cllr Benbow-Jones enquired why more was not being done to grow the asset from the Chirk Bank side, "We are reacting rather than being proactive. I admit I am new, but I do not feel I am getting reassurance."
Cllr Hugh Jones spoke some more on the 'huge amount of effort to bring the partners together', and when pushed on the agreement in principle told the meeting that there was no Plan B required as it would be done and dusted by April.
Remaining Community Centres are also listed on the document, bluntly as "Demolish remaining community centres, thereby saving on NNDR".
Chair of the meeting Cllr Rodney Skelland appeared surprised at the three hands that were raised to ask questions, "I thought this would be more controversial" raising eyebrows as he gushed on how communities in and around his ward in Overton 'took more interest' in running their own.
Cllr Hugh Jones pointed out that policy of 'divesting' the centres from Wrexham Council was nothing new, and community groups and community councils had known since 2014 that they need to take them over otherwise they would be closed, demolished or sold off.
Cllr Mark Pritchard said: "Hugh is quite right. As Lead Member for Assets we have given a clear steer, and this is the journey we are on. If community councils do not take them on they will close.
"In Rhostyllen we have a parish hall paid for by the community. If communities think the assets are worth saving they can set the precepts to fund."
Cllr Davies requested clarity over the three listed in the documents, asking if there was any transfers in place. The meeting was told Penycae 'was in the process of being transferred' with recent meetings speeding the process up. The other two, Abenbury and Kingsley Circle also have apparent interest, without it being specifically mentioned in the meeting from whom.
Cllr Atkinson defended the policy giving his first hand account of his attempts to help save the Kingsley Circle centre, saying Wrexham Council 'bent over backwards to help' however the community at the last moment did not proceed.
Cllr Jenkins pointed out that 29 centres had been run by Wrexham Council several years ago, a number down to just 2 or 3. Cllr Jenkins appeared to take exception to some comments by Cllr Skelland over the lack of enthusiasm of community councils and communities to take them over.
He said: " I don't want people to think from comments that community councils are not doing their bit. Trusts are hard, they take time and energy often from elderly populations.
"Forming a Trust is hard, and I have seen it, we had a small but dedicated band but it was not something they could consider taking on. In Offa both are fully supported by the community council, and over the last year we have taken on more responsibility."
Another item examined was "Free Breakfasts – Implement a charge for the wraparound childcare element", which could see Wrexham Council charge £1 for previously free services in some area that covers breakfasts and child care.
Cllr Adrienne Jeorrett asked for clarity on the timings of the proposal, with Cllr Davies asking if there had been joined up discussions with the Education Department.
The meeting was told by the council officer that with the 58 schools covered, 48 have free breakfasts and 10 'do their own thing' with timings 'all over the place' without standardisation.
The officer gave more practical detail than the technical nuts and bolts paragraph in the public document, noting that schools charge anything from 80 pence to £4 for similar services, posing the question "Why would schools stay with us and charge just £1 when they could do it themselves and charge more?", adding that in Wats Dyke a family with four children could pay £7.30 a day for an existing service.
The officer pointed out that the told area of service costs £630k a year, and therefore the exercise was to recover some of the cost, adding the move would never come close to pay for the service.
Although the consultation responses are believed to have been fed back in earlier workshops the distillation of comments is not yet public, but reading between the lines it appears public feedback has been quite positive for this proposal. If it is brought in the meeting was told further work would take place before the end of the school year, with a likely launch for the start of the new school year.
Possible role out issues were noted, including with possible difficulties to staff very short periods in mornings to cover the service.
Cllr Benbow-Jones welcomed the proposal saying she thought it could improve attendance, improve learning and would allow an opportunity to discreetly help children if required.
The council officer agreed, stating that research shows if children have a decent breakfast they stay more engaged through the day, adding that is why the school meals service exists as it provides the educational outcomes.
Concerns were raised by Cllr Paul Jones that a charge could prove expensive to 'the just about managing', prohibitively so, and encouraged provision in any changes to address that. The council officer agreed there is a 'risk group', and said existing charged services had systems in place to help mitigate such problems.
Meeting drops into Part 2 secret element – was a belated offer for people to be invited back in at some unknown point in future to hear recommendations. Cllrs may share themselves! pic.twitter.com/CT1VXMq6Yj
— Wrexham.com (@wrexham) December 19, 2017
We are told the meeting wound up later with recommendations formed to note the report / comments of the Lead Member and Officers. Councillors also requested further information on Crown Buildings and the office building review, impacts on IT services as well as the Museum and Library service reviews – with the aim for those to come back in the future to the committee to look at.
Spotted something? Got a story? Send a Facebook Message | A direct message on Twitter | Email email@example.com


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Hello beautiful people, how are you doing? Let's get some giggles.
This yoyo like weather brought hay fever to some (moi for example), and colds to others so Echinacea drops twice a day are the savior for hay fever but also a teaspoon of honey with a teaspoon of Cinnamon will reduce your cold to 2-3 days instead of a week. Thanks Lilian for this amazing tip!
For a month, I've stopped sugar therefore… chocolate, the one and only! And guess what, I'm absolutely fine. Don't even miss it when it is bombarded in my face for Valentine day and Easter already. What is happening to me? Should I be worried? Well, peanut butter without palm oil is happening to me. Anyhow, I'm sleeping very well, my energy level is brilliant (pretty hype anyway), concentration level is well sustained, feeling lighter… Life is good. Don't want sugar anymore. Let's remember that numerous diseases feed on sugar, cancer for example. Many cultures with low or no sugar have very little cancer around if any. Food for thought!
Did you know how important it is to brush your tongue morning and night? You don't even want to know how many bacteria live on it. What's the point of cleaning your teeth, and leaving this area so dirty in the middle of them anyway? Let's not forget that those bacteria cause bad breath and "travel" to the rest of your body. Now you are all clean and ready to lick… your spoon. Naughty! I like your style!
It is quite usual for me to nap on Sunday afternoon, and I love it. Usually waking up ridiculously early on weekends, I love resting in the afternoon. La Siesta has many benefits: it may improve memory, reduce snacking, reduce stress, heart disease, dementia and diabetes risks, improve sex drive, may reduce fine lines as well. I generally write my newsletter in no time after my Sunday siesta, less than an hour today! If your body needs to nap then allow to pause and recharge.
I definitely needed a nap today after doing 1h20 of Aerobics, bum&tum and stretching. So happy I found this DVD in a charity shop. The best 95p I've spent. It brought me back to the 80s when I was addicted to Aerobics with two French ladies called Veronique and Davina who were shaking their butty and the rest of it. Finding an exercise which brings a smile on your face is key. So find what you like doing and just do it!
Interesting how many stories end so close to the beginning to the point of not even starting. What we could have been is not just a song but a reality for many. Too focus on work, or simply in a big city where everything is rushed. Love seemed easier to access before. What changed? May be timing is not just quite right for now. It will be, and may be sooner than we think…


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The CEO of Google, Sundar Pichai, recently said that Artificial Intelligence (AI) is: "one of the most important things humanity is working on, it is more profound than electricity or fire".
A big call perhaps, but there is no denying that it is engulfing our lives. Most are blissfully unaware of its silent influence, and even fewer are invested.
A new frontier of AI is rapidly developing in Asia. Two of China's most successful companies, Alibaba and Tencent are leaders in AI, spurring future GDP forecasts for Asia.
For Chinese insurance company Ping-An, its focus on AI is already yielding benefits:
- Policy Pricing: The "Internet of Things" sensors capture data, allowing safer drivers, and those with healthier lifestyles, access to lower insurance premiums.
- Tailored Policies: AI chatbots analyse customers' geographic and social data for personalised interactions.
- Claims Settlement: Online interfaces and virtual claims adjusters improve efficiency, while decreasing the likelihood of fraud.
Undemanding valuation for an impressive portfolio
Ping-An's AI portfolio includes; Good Doctor (listed, market cap US$6.5bn) and Lufax, China's biggest peer-to-peer lender; both unicorns, companies valued over US$1 billion.
Trading on 10x P/E with 20% forecast EPS growth, Ping-An is an inexpensive way to access the cutting edge of AI. The K2 international funds are holders of Ping-An.


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Sunday, December 7, 2014
Sunday, November 2, 2014
Sunrise through the broken glass
Tuesday, October 21, 2014
For every thing there is a season
Tuesday, September 30, 2014
Sunday morning sunrise
Monday, September 15, 2014
nature on display
Saturday, September 6, 2014
Graffiti Gospel
My wife, Ruth, and I were out for a bike ride this afternoon when we came around the corner at Mill Pond in Austin, Minnesota where we live and here was this colorful graffiti. It was done this summer by some kids in our church. I had heard about it, but only now saw it for the first time. OSLC, by the way, is for Our Savior's Lutheran Church and the kids who painted this obviously have a love for God and for music. Pretty cool.
What isn't obvious is that this mural was painted over something else. If I remember correctly there was some gang graffiti here prior to this and so not only did the group eliminate that, they proclaimed the Gospel as well. Way to go!
Our world is filled with violence. Perhaps it is part of our call as followers of Jesus to bring an alternative world view - that there is a promise that is greater than the violence. It is the promise of God's love, which is alive in God's people. Sing on!
Monday, August 18, 2014
Who are these dressed in white?
As I stood looking at those acres of grave markers I thought of this passage from St. John's Revelation:
"Then one of the elders addressed me, saying, "Who are these, robed in white, and where have they come from?' I said to him, 'Sir, you are the one that knows.' Then he said to me, 'These are they who have come out of the great ordeal; they have washed their robes and made them white in the blood of the Lamb." (7:13-14)
As I thought about St. John's revelation I thought that perhaps the scene he saw was somewhat like the one in front of me - row after row of those dressed in white. Will death have the last word? Will the blood of the Lamb cover us all? Who are these robed in white?
Friday, August 8, 2014
A gospel word in living color
Visiting an elderly person in a nursing home is a stark reminder of the law of mortality. It is a reminder that each day we are all one day closer to the grave. As Reinhold Niebuhr reminded us, we have a sense of immortality, but we are not immortal. We have a sense of what it means to keep living vibrantly all our days, and yet we are not guaranteed that we will be given that gift. Perhaps our last days will not be pleasant, will not be something we would wish for. And we have little to say about that. It is the law of mortality.
And yet the Gospel word comes to us from God our Creator who, like these loving children behind the artwork, says, "I love you. I am with you. I bless you." How good that word is.
Monday, July 28, 2014
why worship? carrot or stick?
This summer I have had more than one conversation with persons who wonder why I worship when I "don't have to be there." They wonder if I do it because I'm afraid of God being angry with me if I don't, or if I do it because I receive some grand gifts that they didn't know about when I worship. In other words, they wonder if it is "the carrot or the stick" that get me to worship every Sunday, even on sabbatical. I'd say now that it's neither. I worship because of who Christ is. All things hold together in Christ. All things were created through and for Christ. Without Christ I have no life. That's why I worship. What would you say?
Tuesday, July 15, 2014
Looking for a good word from on high?
If you aren't a baseball fan you may not have seen the above picture that was taken during the Home Run Derby last night at Target Field, Minneapolis, during the All-Star Game festivities. The picture looks unreal, like it's from some fantasy baseball movie, but no, this rainbow actually came forth during Brian Dozier's at-bats during the derby. It made it's way onto the front page of the Minneapolis Star Tribune's sports section.
Interestingly there was quite a bit of media chatter about this rainbow in the sky. Why is that? I suppose one explanation is that human beings are naturally superstititous - esp. baseball players, some say. I have another hunch. I think there is a natural longing in all of us to hear a word from on high - especially a word of promise. We long to know that the Creator of us all is blessing us and granting us favor. It goes back to that promise to Noah when, following the Great Flood, God says: "I have set my bow in the clouds, and it shall be a sign of the covenant between me and the earth." (Gen. 9:13) Is the rainbow a word of gospel from on high? I think it is something we long to believe.
Monday, July 7, 2014
Connected to Who
Saturday, June 28, 2014
Chains for what?
Tuesday, June 17, 2014
Meet Paul
This is Paul. He's a shoe shine guy in one of the airports that I traveled through in recent days. He gave me permission to take his picture. He says lots of people ask for his picture. He reports that he is 85 and has been shining shoes at various places around the country since he was 15 years old! I asked him how he likes being a shoe shine guy, and he says he loves it and he makes a pretty good living. I was surprised by that. I guess I expected him to say something like, "It is what it is," in a sort-of dreary voice.
My question is: What gives a guy like Paul the ability to be positive about life? My answer is: There must be some gospel voices singing in his soul. Somewhere, somehow, somebody has been singing gospel songs to him that remind him he is a child of God, he is treasured, he is made in God's image, he has been forgiven of his sins. I think that without that message singing in our heads it's awfully tough to be positive about life. And maybe that's why I think gospel words are so important in preaching. What do you think?
Tuesday, June 10, 2014
death as gospel?
Hey All,
We were at a country cemetery this past weekend where we saw the grave of my 95 year-old mother-in-law's grandfather! He died in 1879. (My mother-in-law, by the way, is hale and hearty)
It got me thinking: Since one way of thinking about Law/Gospel is that the Law always lifts up our vulnerability, and the Gospel always speaks about God's response to our vulnerability, is it possible that death could be (at some point in life) a gospel word? I'm thinking about people who have lived a long, long time and are ready for the Lord to take them. Is death good news for them? Something to ponder...
Saturday, June 7, 2014
What message do you hear?
I call this blog "Law & Gospel Everywhere." Why? Because there are examples EVERYWHERE where we receive messages that say (even without meaning to!) "You need Christ!" (that's the Law speaking) and other messages which say, "Here is Christ!" (that's the Gospel speaking). Example #1 is above. Check out the sign. Do you hear Law or Gospel when you read that message? I'd be curious. See ya later
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Notification Letters
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Manuscript Submission
Full Paper Submission Deadline Extended: July 20 2015
Your full paper is limited to four single-spaced pages including text, figures, tables and references. All papers must be submitted in PDF format and comply with the IEEE conference proceedings format. You will be given the opportunity to upload your final PDF file after you file has been determined IEEE compliant via the online PDF eXpress Plus tool. Instructions for accessing the tool are noted below.
Submitted papers must conform exactly to the IEEE conference proceedings format. Manuscript templates are available from the following URL (Please use the US Letter templates): http://www.ieee.org/conferences_events/conferences/publishing/templates.html. Do not adjust or modify the margins, font type or font size. Any papers submitted with deviations from this template may be returned.
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The government has confirmed changes to pension rules that will allow investors to transfer protected rights into Self Invested Personal Pensions (SIPPs) from October.
Protected rights funds are accrued when investors are contracted out of the state second pension. In simple terms, investors give up the right for a lower state pension, and their National Insurance payments are rebated into their pension scheme. These payments, and the growth on them, are fenced off as Protected Rights.
Currently, people are prohibited from transfering their pots of protected rights into a SIPP. However, at the end of last week Mike O'Brien, minister for pensions reform, confirmed that this rule will be scrapped from October.
He said: "These changes will give more flexibility and investment choice to people taking an active interest in the management of their pension fund."
Experts have largely welcomed the change. Independent financial adviser Hargreaves Lansdown says the change represents a £100 billion opportunity for investors, and will affect around six million people who have average protected rights funds of £16,500.
Tom McPhail, head of pensions research at Hargreaves Lansdown, says SIPPs is one of the few sectors of the pensions market experiencing growth. "This development is likely to accelerate demand, as investors will be able to take control of all their retirement savings in one place," he adds.
The SIPPs market increased by 66% over the past year, from £29 billion to £49 billion.
Jamie Fergusson, fund manager of SIPPs at Jupiter Asset Management, says the old rules restricted pension investors and "served the interests of some pension providers more than those of pension investors".
"We have a number of clients who have opted for a SIPP as a means to manage all of their pensions as a single structured investment portfolio and who consider it an irritation that their protected rights pension had to be invested and reported on separately," he says.
"We expect many people in this position will want to take advantage of this change and complete the consolidation of their pension portfolios."
A SIPP is a personal pension that allows the investor to make the investment decisions rather than a pension fund manager. The tax status of a SIPP is identical to a conventional personal pension and, in retirement, an income can be taken through an annuity or income drawdown.
Income from assets in the scheme will remain untaxed and growth within the pension is free from capital gains tax.
Should I transfer my protected rights to a SIPP?
Hargreaves Lansdown says that if investors are stuck in a poorly performing insurance company fund, especially one that only offers a limited range of investment choices, then a low cost SIPP might offer them the opportunity to revitalise their pension.
However, it also advises that if your money is in a personal pension that offers a good range of investment funds and you only have a small amount of funds, then it may not be in your best interests to switch to a SIPP.
Tom McPhail says: "One thing for sure is that interest in transferring is already gathering momentum. Even though we are still six months away from regulations coming into force, Hargreaves Lansdown has already received requests from over 1,500 existing clients who wish to be notified when transferring protected rights to a SIPP becomes possible."
In terms of returns, McPhail says that the greater choice of funds within a SIPP means there is more scope for picking a good fund. And if your first choice doesn't meet your expectations, then you'll have a better choice of alternatives.
"Generally, the unit trusts and OEICs available in SIPPs tend to outperform traditional pensions - over five, 10 and 15 years the average unit trust/OEIC has outperformed the average pension fund by 12%, 22% and 69% respectively," he adds.
The cost of a SIPP can also be lower than a personal pension, according to financial planner Francis Klonowski, of Klonowski & Co: "SIPP fees tend to be fixed so - as long as your fund is a reasonable size - they are normally lower cost than most personal pensions."
Before opting to transfer any pension funds into a SIPP, you should consider whether the amount you have to invest makes it worth it. Matt Pitcher, wealth adviser at Towry Law, says that as some stakeholder pensions offer good ranges of investment choices, it is vital that people consider the pros and the cons of a SIPP.
"If you are only investing £20,000 or so, then a SIPP is an expensive way to save for retirement, but if you have £100,000 plus then they tend to a cheaper option," he says. "And remember, if you also want to appoint a manager to manage your SIPP then this becomes more expensive."
The time demands of managing your own pension should not be overlooked; Pitcher recommends investors look at their funds on a daily basis. And, while there is a wealth of experience available on the internet, a pension investor is unlikely to ever have access to the information and experience that a fund manager has.
Pitcher adds: "SIPPs are not for everyone, and although protected rights can be a reasonable sum, there is hard to justify transferring these alone into a SIPP as the fees might not make this economical. Self-investing your own pension is very demanding and time consuming and should not be entered into lightly."


text: Fine Art Original Oil on Canvas by Héctor Rafael, "Fruto Luminoso (Radiant Birth)". This work is 40 x 30 inches on five seperate Gallery Wrapped Stretched Canvases, each 8 x 30 inches, Signed and Dated by Héctor on the back. See this and other works in his exhibitions in the TOROSIETE Museum.


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Write it Out
Talk about writer's bloc. Just thinking about drafting this post made my brain stand still. What can I add to what you already know? MAW's recent Facebook thread on writer's block was full of good ideas—exercising, reading, going outside, watching old movies. Most writers have come up with their own solutions to this perennial problem, but learning what works for others might suggest new approaches.
My own trusted answer is, well, writing. Writing anything—a list, a limerick, a note to a friend, an ode to writer's block. At least, that's what works for me, and I've racked up a score of otherwise unremarkable poems that illustrate the point. A few sample lines:
Between me and the poem is a silence or thought of silence
so loud I cannot hear what the poem is trying to say
Somewhere in the everyday of life are the shape and sound of my poem
the words that will unlock the box and let the meaning out.
Sometimes, clearly, inspiration just doesn't come, or when it does, it dries up mid-stream. It helps to have a good stock of tidbits and notions to draw from. Like most writers, I carry a notebook with me to jot down things I overhear in line at the grocery store or in the doctor's waiting room or wherever. A little creative eavesdropping often turns up good fodder, and so does simple observation. Afternoons spent people-watching at Starbucks, for example, led me to a series of vignettes snapshotting moments in the lives of others.
Here are some other tried-and-true writer's block busters, plus a couple of my own:
- Writing prompts. A quick Google search on the term turned up 13 million links, but a few stand out for me. One poet I know swears by Robert Lee Brewer's daily Poetic Asides, a blog from Writer's Digest. Another popular source is The Time Is Now, weekly prompts for fiction, creative nonfiction, and poetry from Poets & Writers And then there's 30 Writing Prompts for National Poetry Month from writer Kelli Russell Agodon, many of which would work for stories and essays as well as poems.
- Reverse writing prompts. Consider the possibility of opposites. If the prompt calls for writing about a food you like, write about one you can't stand. Or go off on a tangent. The Time Is Now prompt for February 4 suggested writing about Chinese New Year, celebrated this year on February 8. That got me thinking about other February topics and led to a leap year poem that begins, In the fourth year the calendar / cracks open and out leaps / an extra day.
- Do-it-yourself writing prompts. Call it the 10-word challenge. When I was first getting serious about poetry, I played a sort of game with a couple of friends. We'd take turns opening a book, picking 10 words at random, then emailing the list to the others. The challenge was to write a poem using at least seven of the words. It was fascinating to see the wholly different paths the three of us would take with the same 10 words as our starting point.
- Word games. Bananagrams, Haikubes, Boggle, Magnetic Poetry. Games like these and others too numerous to mention can get unexpected words rolling around in your head, diverting your attention from the problem at hand and possibly suggesting new directions or new topics altogether. I especially like the offbeat haikus that sometimes result from a roll of the dice: Gentle clear water / touches her pale open hand. / Dreaming, she whispers. Hmmm … maybe I could write something about the clear waters off Hawaii's Big Island, where we went snorkeling years ago.
- Dream journaling. Even the prolific Graham Greene apparently had bouts of writer's block. His solution, according to a fascinating article by Maria Konnikova, was to keep a journal of his dreams. Konnikova's New Yorker article addressed the psychology of writer's block, a topic I'll leave to the professionals. But the idea of dream journaling is intriguing. "If one can remember an entire dream," Greene is reported as having told a friend, "the result is a sense of entertainment sufficiently marked to give one the illusion of being catapulted into a different world"—just the kind of world that can unblock creativity.
- The amazing sentence generator. I'm not sure whether this is my own idea or someone else's, but I used it in a story once. Molly, the main character, has run smack up against the dreaded block when she recalls this exercise: Make three numbered lists of random words—nouns, verbs, and anything else. Then pick three numbers, find the words that correspond to them, and write a sentence using those words. On Molly's list, for example, 14, 18, 5 yielded, The botanist finds natural order in the apple; the poet finds an intricate universe. And 31, 11, 25 produced, To read age by the clock is sometimes to mistake midnight for noon. I know, I know, composing a sentence doesn't mean you have anything to say about it. But the sentence just might tickle your ingenuity bone and jump start a little something.
- Revise, restructure, reconceptualize. I keep files of what I've written, of course, but I also keep files labeled "Ideas/Notes/Fragments" and "Drafts/False Starts," plus one called "B-Grade Poems"—the also-rans that aren't quite ready for prime time and, truth to tell, might never be. But these are the files I head for, not just when I'm staring at a blank screen but also when I trip over that invisible roadblock midway in a piece and have to set the work aside. At a recent Writer's Center workshop on revising your poetry, Sue Ellen Thompson said writers sometimes resist revising their work because they don't really believe in a piece and are afraid to discover how far from done it is. But in my experience, most poems are never done—there's always room for another tweak or two or maybe even major surgery. Axe the second stanza. Kill the lame metaphor. Cut the last line and use it to begin a different poem, and so on. Revision deserves a whole new discussion. Suffice it to say here, works that don't quite work can still reach out helping hands when you're struggling with writer's block. I've found whole new poems lurking between the lines of old B-grade pieces.
My mother—who ran a house, raised kids, cared for her aging mother, and worked as an editor—wrote historical novels for young people in her quote-unquote spare time. Actually, she'd take the Smith Corona to the bathroom at night and hammer out a page or so. I never thought to ask her how she handled writer's block, but my guess is she handled it by ignoring it. She simply didn't have time, so she kept on writing.—Sally Zakariya
Our columnist: Sally Zakariya's poetry has appeared in numerous journals, including Tishman Review, Apeiron Review, Broadkill Review, Edge, Emerge, Third Wednesday, and Evening Street Review, and has won prizes from Poetry Virginia and the Virginia Writers Club. She is the author of Insectomania (2013) and Arithmetic and other verses (2011) and the editor of Joys of the Table, an anthology of poems about food and eating. Zakariya lives in Arlington, Virginia, and blogs at www.butdoesitrhyme.com.
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