text:
Reasonably priced meal replacement powder that ships in individual packets for convenience.
Can be mixed successfully with either milk or water. With 36 grams of protein per serving, it works especially well for athletes looking for a lean protein powder to help with workouts. Contains minimal amounts of fat and is gluten-free.
Some people will notice an odd aftertaste. Texture is a little thick for some people.
One of the least expensive meal replacement powders available. Aimed at helping with weight loss.
Powder contains 24 minerals and vitamins to help replace what you're missing from a meal. Powder works when mixed with liquid or when used in some recipes. Has a simple taste that many people like. Only 110 calories per serving.
Has only 10 grams of protein per serving, so it may not curb your hunger fully.
Uses mostly natural ingredients to provide lean protein that helps with dieting.
Has 25 grams of protein per serving, which should help satisfy your hunger. Price per ounce is about average. Works equally well as a meal replacement or post-workout shake. Only 160 calories per serving, which is great for dieters.
Doesn't always mix fully, leaving a gritty texture. May be too sweet for some.
Great meal powder option for dieters, as it has no added sugar and a limited number of carbs.
Has a chocolate coconut flavor that is a bit different from some other meal replacement powder options. Uses whey protein isolate for a lean type of protein in 20 grams of protein per serving. Only 190 calories per serving.
Carries a higher than average price per ounce. Texture after mixing is thick.
Vanilla latte coffee flavored meal replacement powder has all of the protein you want.
Gives you a high level of caffeine that boosts energy. Contains slow-release proteins, which should help to curb hunger for the entire day. Mix works equally well as a hot, iced, or blended-type of drink. Only 120 calories per serving with 16 grams of protein.
Above average price per ounce. Texture seems overly chalky and grainy.
We purchase every product we review with our own funds — we never accept anything from product manufacturers.
We purchase every product we review with our own funds — we never accept anything from product manufacturers.
Meal replacement powders allow people to create shakes to use in place of a meal. These powders typically can be mixed with milk or water to create the shake. To help curb hunger, the meal powders have large amounts of protein in them. With extra-protein, the shakes allow you to feel fuller for longer. With fewer hunger pangs, people can use meal replacement powders as a useful dieting tool. Most of these powders will have limited amounts of sugar and carbs to help with weight loss. But they also deliver the vitamins and minerals you need for nutrition. Meal powders have quite a few different flavors available, such as chocolate, vanilla, coffee, and peanut butter.
BestReviews wants to be better. Please take our 3-minute survey,
and give us feedback about your visit today.


text:
Check out my new show trailer A Hint of Fiction below! Check our show out at HintofFiction.com
Check out our newest blogs below:
Podcasts, Blogs, Creative Consultation and so much more
Hi, my name is William aka Bill Lazerman, and I have been a podcast host and creator for the past several years. I can help you with all of your podcast needs, from articles to editing, help, and tips.
New Blogs Every Tuesday and Thursday at 11 AM MST!

subset: commoncrawl


text:
Performer Bio: BestLiveCamGirls.com/live-cam-clairedaniells/
Free Chat Room: Livejasmin-cam-room-clairedaniells
Model Fan Club: http://ClaireDaniellsOfficial.com
ClaireDaniells is a Livejasmin Model with her own fan club. You can become a member easily. People become a fan club member if they feel they have a special relationship with the model. Exclusive pictures and movies are created for this fan club only. You will have access to exclusive material. If you wish to know more about ClaireDaniells, you can also visit her private room.


text:
Support of the community and the help of the school will be the responsibility of the teachers and staff who will have the responsibility of to improve and support the community. The parents involved will work as partners with the people of the community and look for ways in improving the community's needs when problems arise. They can plan to involve other agencies and professionals in the local community to help with the program needs meeting that will be held with the community and other surrounding agencies to help support the program including the schools to identify the community needs for free services program for everyone in need. Collaboration is the key to help support the program to help succeed, the service is to have the schools use the program and have knowledge to the community and their students and families what is offered to the community for a successful life style. The key role is to have the community work together and develop a get involve approach for the local people in need. The key is to collect as much information as possible and aid the community with as much information and share responsibility for other parents to help the population in the area. The number of people to aid would be from birth to late 90's. This will be designed to help cover many health problems as possible including books, clothing where families cannot afford. In health needs the community would have come up with a program so parents can get children to have free shots and dental work for children at the age of :
Preschool children
School age children and young people
Being that children will be in the greater health need, the majority of the use of its resources of care and workers will be maintaining the program and resources, majority of the time. As for dental care would be the preschool and young children who need it most families who cannot afford it they also will be provided with this program free of charge. Since in the community it's a large scale of families who have no coverage of dental care in the area as well as health. No matter what cultural background or religious group the person is the community health center does not turn away any family who needs medical attention or any health resources for their private information. No religion, color, or nationality, linguistic cannot be seen there are resources for everyone to use and are equal and entitled to access the health care program when needed. To provide all with sustained relationship through which there is ongoing care in making connections, such as protecting young people from bad behaviors, coaching, mentoring.
Creating a program so that when in a crisis or in a need, the student can have a place to go, a place such as a program that can provide access immediately to get help and be safe for all youth in crisis. Such as schools, fire departments, libraries, youth homes, shelters and other agencies.
A healthy start and healthy development: Programs should help support families in services that help children learn about improving families for support programs for prenatal to early childhood development years.
Having students evaluated, instruction and test, effective teaching where a teacher who is prepared to teach


text:
Mummy says…When we think about starting a family, we usually think of all the things that we have to give up. For instance, you might find yourself with less time to spend with your partner or less time to go out and have fun with your friends. These are common valid reasons to delay starting a family for some, but it doesn't mean that you have to give up everything…
If you find yourself wanting to start a family then you might be worried about your education or training. You might even be scared that your career could end because of it. After all, taking a year-long break from your work isn't exactly great for the company you work for, especially if you're in an important role. So to help you out, we've put together some of tips when juggling parenting and studying…
Schedule Your Day
Make time for your study commitments. Look at your day and plan out a schedule. Make sure you stick to it instead of just treating it as a guideline. The idea is to always have a static plan that you follow so that you always know what you should be doing next, thus saving you time and preventing you from procrastinating.
Respect Your Family Commitments
Don't neglect your family commitments when you want to continue studying after having a family. Even as a stay-at-home mom you will have responsibilities that need be taken care of and these need to be added to your schedule too.
Get Help From Others
To help you meet those commitments, you can always rely on people for help. Whether it's hiring a babysitter to take care of the children for a while or asking your fellow students for help, there are plenty of ways to get a bit of assistance so that juggling parenting and studying can be made easier.
Consider Online Study
A popular option that many people have decided to take is to study online. You could get everything from a Masters of School Counseling to studying a course that will help you start your own business. There is so much information online that you probably won't even need to visit a traditional school anymore. There are plenty of online communities dedicated to online learning, and also professional university courses to choose from.
Create a Study Environment
To stay productive at home it's important that you create a study environment. This means that you need to either have your own corner of the house that you designate as your "quiet area" or you need an actual study to help you focus. Locking yourself away from the rest of the family is crucial because if you don't, you'll just be distracted. If you prefer, you could always study at a library, at your campus or even in a coffee shop.
Starting a family doesn't mean that you need to give up an academic life, I hope these tips help you focus your time and efforts to get the best of both worlds.


text:
Puluts is a food stall at The Yard at Xavierville that offers every Filipino's favorite street food. During The Yard's first Anniversary I got to sample some of their food. First one is their Sisig which is really yummy and makes you want to have some rice. I like that it's not that oily as…Read More
Be a Foodie: Puluts
By: Beatrice Danseco


text:
Date created: | Last Updated:
Creating DOI. Please wait...
Category: Project
Description: There is considerable interest in understanding the biological basis of individual differences in risk taking and a number of hypotheses have now been put forward regarding the role of basal hormone levels in accounting for such differences. Yet, to date, the empirical literature on this issue is mixed and has not been appropriately summarized, making it difficult to assess whether specific hormones have any predictive power or do so differentially for different psychological constructs thought to underlie risk taking. We contribute to clarifying these issues by reporting meta-analyses of the link between basal hormone levels of testosterone, estradiol, and cortisol, and various measures of risk taking and related constructs.


text:
Spotlight on Science Meetings, Conferences and Events brings you information on the following event:Patient Experience 2017
To be a leader in today's economy, you need to excel at customer experience. Healthcare isn't travel or retail, but the consumer is the same person, whether they are searching for a hotel room or picking a hospital or medication. Patients are unlike other kinds of customers since they have to make complex, time-sensitive health-related decisions. The competitive landscape is changing rapidly and the end-to-end experience matters more than ever. The traditional commercial approach based on mass-media advertising, aggressive sales forces, ready access to physicians and relatively uninformed patients has fallen short. To date, few health systems, pharmaceutical companies and device manufacturers have successfully achieved exemplary patient/customer experience initiatives. To connect with patients when they are looking for answers is an increasingly important source of competitive advantage. In order to achieve this, healthcare and life sciences companies need to design a new approach based on an understanding of the patients' experiences and how they make decisions, especially in today's tech-driven world where patients engage with other patients and providers through various channels. Every action point in the patient journey is potentially a vital point of interaction. By understanding the patient experience, industry professionals can provide better care and products — and improve business results.
Join us at our inaugural Patient Experience 2017 for interactive discussions that will help you better understand the patient journey and produce improved loyalty, sales and profits, and take advantage of extensive networking opportunities for professionals in patient and customer experience.
Hyatt Regency Jersey City on the Hudson
2 Exchange Place, Jersey City, NJ, United States


text:
Welcome to TestforceXpress, the new seamless shopping experience!
Toll-freeCustomer Support1-(888)-880-6804
Special Promotions
For a complete list of Rohde & Schwarz Products, please click here.
Use spaces to separate tags. Use single quotes (') for phrases.
Follow us on LinkedIn, Twitter, YouTube, and Facebook to keep up with all our exciting content, online events and promotions.


text:
Hair waxes are used to hold the hair for better hairstyles and beautiful looks. Unlike hair gels that mostly contain alcohol hair waxes made out of wax are less drying and damaging for hair. Light hold hair waxes are used to create softer hairstyles and easily controls hair without making them too sticky.
They are ideally meant for short and medium length hair and fit the bill of people who want manageable hair without much effort and hold. It is often seen to be used by men for daily hairstyles. Here are some of the best light hold hair waxes:-
Best Light Hold Hair Waxes
Rusk Being Undressed Gloss
This multitasking product goes all its way to give definition and hold to hair just like a pomade and treating it with gentle care. It is so light in texture that the hair does not feel anything.
It leaves hair highly conditioned and soft and making it look shiny and glossy. It is the ultimate solution to get beautiful mane with added texture and body. With regular use, it is said to make hair healthier and gorgeous.
Fudge Hair Varnish Wax Light Hold
It tames and adds volume and texture to short and medium length hair with effectiveness. Hair becomes tender and brighter and looks bouncy and healthy. It instantly smoothens frizz and quenches dry and dehydrated hair considerably. It does not feel sticky or greasy on hair and instead gives a soft and light feel making it look absolutely stunning.
Kusco-Murphy Ice Wax
It is ideal for medium length hair and creates sleek and shiny mane instantly. The rich creamy texture of the wax, infused with Macadamia oil and cocoa butter controls frizz and stray away hair giving it hold and body.
The tender formula enriched with the goodness of essential oils and natural extracts makes hair silky and moisturized. The luscious product makes hair bouncy and manageable without being too greasy.
American Crew Tea Tree Light Hold Styling Cream
This product is ideal for people who want definition without too much shine. This wax is ultra light and gives decent body and texture to the hair. It hydrates the hair making it soft and bouncy. It considerably manages frizz and unruly hair without making it too greasy or oily. The tea tree oil and seaweed extracts conditions hair making it look soft and beautiful.
ID Hair Soft Silver Light Hold Wax
This styling wax ideally serves people deserving to get regular manageable hairstyles. The non-sticky product is very light in texture and gives hair a beautiful body and manageable volume.
The water soluble formula effectively turns hair flexible and fit for regular hairstyles by taming and controlling unruliness and frizz. Enriched with the goodness of multiple vitamins and essential oils, it is tender to the hair and treats it with ultimate care and preventing it from damage.
Light Element Shaping Wax
This product is weightless and tender to the hair making it look softer and smoother and versatile for manageable hairstyles.
The unique concoction of beeswax and jojoba oil enables it to add pliability and suppleness while pine rosinate provides the capacity to hold hair for longer time. The creamy texture gets absorbed easily without leaving any unpleasant residue and treats hair with care.


text:
Summary of The Myth of "Learning Styles"
The Atlantic, 2018
Looking for the article?
We have the summary! Get the key insights in just 5 minutes.
- Innovative
- Applicable
- Eye Opening
If you came of age in the late 1980s or later, chances are that you've been told that you are one of four types of learners: "visual, auditory, reading" or "kinesthetic." Yet as Olga Khazan reports in The Atlantic, recent studies don't support the conclusion that students necessarily learn better by using their preferred style. Lifelong learners everywhere will find Khazan's conclusions eye-opening.
About the Author
Olga Khazan is a staff writer at The Atlantic and covers health, gender and science.


text:
I was 15 and returning home from an errand one afternoon. Taller than most adults, gangly and awkward, I used to be called beanpole all the time. But my timid demeanour didn't stop this boy on a cycle from pinching my breast and whooshing off. Violated and close to tears, I looked around to see if anyone had noticed. The only proof that no one had was the teenage boy's cackle ringing in my ears. I reached home and handed the groceries to mymother. My stomach churned and legs felt like jelly. I spent a silent afternoon trying to read, without much success. I never talked about this to anyone.Today when I walk down the road, I'm prepared, vigilant and always on guard. I will not let a pervert get his way. #NotMyShame
Anupama Bijur
It happened a few years ago in another country. I was new to the place and joined a newsroom with a lot of male co-workers. After a night shift, a senior colleague, with whom I shared formal work relations, offered to drop me home along with some other colleagues. I agreed. Although logically I should have been dropped first, he dropped the others before me. I didn't find it suspicious till, instead of dropping me home, he drove the car to his building and invited me up. When I declined, he tried to touch me inappropriately. I got out of the car and called another senior colleague, after which he had no choice but to drop me home." It taught me a valuable life lesson: Even if a harasser doesn't always get the punishment you think he deserves, speak up and be heard. #NotMyShame
Hemchhaya De
I was around 7 years old. It was late afternoon and I was at home, watching TV while my grandmother napped in another room. I was wearing a dress or frock, as little girls my age did back in the 80s. A 'family friend' was visiting us. He was in his 60s and I used to call him 'Uncle'. He crept up to me quietly and put one hand on his lips, signaling me to be silent. His other hand went under my dress and inside my panties, plunging me into a life-long journey of shame, guilt, self-doubt, fear and mistrust. It was the day I stopped being a child and turned into a 'sexual abuse survivor'. It's taken me a long time to get here, but now at 43, I know that I am not what happened to me. I know for sure that it is #NotMyShame.
Gia Fernandes
Sometime in 2011, I was headed to my workplace from Elphinstone station. As I was about to board the train, someone suddenly grabbed my butt. I turned around, shocked. I saw a man leaching at me with an evil laugh. The way he stared made me feel like some 'thing' not a person. If that was not enough, he had the audacity to ask, "Kya hua (what happened)?" It made me feel angry and disgusted, but I couldn't react. These perverts don't even have a basic understanding of what's right and wrong. When there is no proper education and awareness, how will sexual harassment against women ever stop? #NotMyShame
Shraddha Kharpude


text:
Well, this is weird. Read the rest
Well, this is weird. Read the rest
Now this is beautiful. Read the rest
See sample pages from this book at Wink.
The Pet Dragon
by Christopher Niemann
Greenwillow Books
2008, 40 pages, 9 x 11.8 x 0.4 inches (hardcover)
Chinese characters are wonderfully expressive, straddling the fine line between the written word and illustration. Esteemed graphic designer and picture book creator Christoph Niemann realized as much with The Pet Dragon, a whimsical story about a Chinese girl who raises a baby dragon to adulthood. In his introduction to the book, Niemann states that he had fun imagining connections between the calligraphic characters and their meanings. Reading the book, it's clear that the author has a love of his subject and was very much enjoying himself.
The story is straightforward. A young Chinese girl named Lin receives a baby dragon who grows too quickly to stay in her home. After breaking a vase, Lin's father condemns the baby dragon to its cage. The wily dragon escapes, leading Lin on a quest to find her beloved pet. Niemann enriches his tale by transposing Chinese characters on top of his illustrations to demonstrate the relationship between each symbol and what it represents. A forest is shown as a series of trees with the symbol for tree superimposed on them, the curving lines below indicating the roots and the extended lines at the top stretching outward for the branches. The upraised slashes and crossed lines in the symbol for father become the raised eyebrows and nose on his face, while the character denoting mountain has its three upward prongs displayed over a towering mountain range. Read the rest
The fun-loving Chinese journalists in this segment manage to out-VICE VICE. 侣行 On the Road is billed as "a homemade outdoor reality show" featuring an "extreme couple" who love adventure. The pair and their team got some great footage of an open-air weapons market in Sadr City. Read the rest
Chinese artist and photographer Ju Duoqi works with vegetables. She was born in Chongqing in 1973, and studied at the Sichuan Fine Arts Institute. Shown here, selections from her 2010 series, "The Fantasies of Chinese Cabbage." Read the rest
Ethnic Tibetans throughout Tibet this week held some of the largest demonstrations against Chinese rule in four years. Chinese forces responded by shooting protesters. Up to 5 are said to have been killed and more than 30 wounded, according to Tibetan advocacy groups.
On January 9, a 42-year-old monk became the latest in a continuing string of desperate protesters who burned themselves alive to protest Chinese military rule and cultural repression.
A New York Times report gathered accounts from a number of human rights groups. NPR's Morning Edition today aired an extensive report on the worsening human rights crisis in Tibet (MP3 link).
Details are hard to confirm, as foreign press access to the areas involved is all but impossible. Free Tibet has more, and Radio Free Asia has compiled various reports.
Dr. Lobsang Sangay of the Tibetan government-in-exile in Dharamsala, India, issued a statement on the conflict, published in video on YouTube (and embedded above). Read the rest


text:
Happy Halloween!
This week we focused on learning that everyone has problems and we all have reactions to those problems. This is a complex topic which will need lots of repetition, practice, and modeling. The reason we cover it as early as kindergarten and first grade is because this is not only a social skill we have to manage, but it's a life skill ALL of us have to manage. A small problem is something like
Fire Safety
The week was full of fire safety events! We had a successful drill, beating our previous time evacuating the building. On Thursday we had a special guest present about fire safety. Mr. Hanniman happens to be a parent at Lakewood as well as part of the White Lake Fire Station. In group we talked about expected behavior and rules for having a fire drill and learned about fire safety tips such as crawling on the ground (and we practiced) if there is smoke, to leave the room/building. We talked about walking instead of running to stay safe. We also learned about what a firefighter puts on with their equipment to show that they are not scary, but there to help.
We also had a jump rope assembly on Friday with the whole school. Everyone did a really nice job sitting through it even though it was loud and high energy! They did a lot of stunts that I was thinking, "don't try this at home...or school!!!!" But, it was a cool experience.
We have been reading our scarecrow and bat poems in kindergarten and have started to talk about Halloween a little bit. This coming week we will be talking about costume rules and trick or treating to help prime the kids for Friday. We will try to prep them for the parade. If you are coming in, we would love any assistance getting costumes on kids. The parade typically is done with staff and parents stand on the side to watch and take photos. Then you can find me and your child and let me know if you will be taking them home or having them ride the bus. If you are not attending, please let me know that also so that we are able to plan accordingly. We want all of our little ducklings safe and under our careful eye :)
In other kindergarten news, we wrapped up unit one and took the first test. We have been talking about apples as well as the kids went on their first field trip! In reading we continue to work on sight words: me, my, and to. We used a Q-tip to paint the word me for extra fine motor practice. As we are reading we make sure to use a pointer finger to track the words. Please do this with the poetry folders as they come home. Last week was my error not sending them, but you should have them this weekend. Return them this Monday and we will continue to work on the projects. Last week we painted a full moon and colored bats to glue on. We have been working on counting by 10s and practiced jumping as we counted. We have also been practicing our counting to 120. We do this together and slowwwwly. :) We also practiced the concept words: longer and shorter. In the picture section see Brennen's cool creation he started off making a long train of blocks and then made short parts to create a map! We also have been singing Greg and Steve's "Number Rock" which counts to 20. In writing we are still practicing drawing simple pictures and labeling them. This is really tricky, so any extra practice you can do is great for fine motor development. Even simple shapes are great to practice on. Breaking crayons in half gives a smaller item to grasp and can be easier for younger kids. Don't forget Monday is library day for everyone so please return your books! Thank you to those of you I saw for conferences this past week. I look forward to meeting with everyone else this week!
Expected and Unexpected
This week the focus was learning the vocabulary words expected and unexpected. Mrs. Reece and I use the Think Social! curriculum beginning with me using the book Social Detective and if they are ready and able introducing them to Superflex. Mrs. Reece uses the Superflex book to target behaviors as well. Social Detective introduces the vocabulary words "expected" and "unexpected" to describe behaviors that are safe, positive and unsafe or negative. As kids get older and more aware of others we tell them that unexpected behaviors give people thoughts that could be weird or sad while expected behaviors make others have happy thoughts about us. Right now we are introducing those words. Please reinforce this at home! Try noticing when kids are following rules or directions and tell them they are being "expected!" Also, if you see things that need to be corrected you could say, "that is looking unexpected". We read David Gets In Trouble and David Goes To School and talked about what he did that was expected and unexpected and showed thumbs up or thumbs down to his choices. Then we read a book about making Smart Choices. The kids did a sort with the pictures from the story to show if they were smart or poor choices. We related this to expected and unexpected choices. Fridays are prize day. The kids are earning a dollar for listening and participating. They keep their money in "bank" envelopes on our wall. Every Friday they can buy a prize. They have to count out their money to me before purchasing a prize. As you have been seeing, they will have small toys, pencils, or "stuff" each Friday. The older kids like to save their money for bigger opportunities like being teacher for a group session (which I help plan and implement).
The kindergarten kids finished up unit one in math and will have a test on Monday. We reviewed today. The concepts are about identifying shapes, number of objects, writing numbers, and drawing an amount of something, just like in the homework you've been completing. In reading, we have been focusing on sight words: I, a, is, go and my. I have printed some easy reader books they have been reading with those sight words in them. Our read alouds have been about fall, scarecrows, and Halloween. In writing, we labeled our classroom and some pictures. They continued to share their oral language stories from their heart and we cheered each other on with whatever they were capable of verbalizing. I prompted with WH questions, who was there, where did you go, what did you do, etc. We started to illustrate, but began with a simple picture of a sun and labeled the sounds we heard. We worked on our poetry folders too. I am very proud of how much more work we are able to accomplish compared to a month ago!
Have a great weekend!
5 Point Scales Continue
This week we continued our work learning the 5 point scale. We often refer to it when we want children to reference how they are feeling and whether they need help calming down or solving a problem. Once children can identify how they are feeling it is easier to advocate for themselves and share that information with others. Often, children on the autism spectrum assume we know their thoughts and feelings because they lack perspective taking (Theory of Mind). This is one way we can help to teach that or build that gap a little.
We finished the coloring and identifying each number and did an activity with picture cards of various stressors or events and sorted how they made each of us feel. For example, a fire drill could make someone a 4 where others it made a 3. A birthday party could make someone a 3 but others a 1 or 2. We talked about how people sort them differently because we each have our own thoughts and opinions. This was really hard for the 1st graders to understand. The kindy kids are really too egocentric right now to understand the concept, so I didn't cover it in detail.
The kids will be bringing home a 5 point scale they will be coloring so you can see the numbers and the feelings we have covered. Then as you notice they are demonstrating a certain feeling or behavior you can reinforce this by identifying it for them. "Wow! You look so happy playing right now. I bet you are at a #1!" or "Seems like this is frustrating. Are you feeling a #3?" The more we practice this, the more we will set a foundation for them as they get older to help self-identify and communicate their needs, feelings, and wants. As kids get upset here and if they lose control at a #5 our rule is you have to calm your body back down to be a #1 or #2 in order to go back to class or other activities (lunch, recess, etc.). We help by taking deep breaths, offering a hug, giving arm and shoulder squeezes, or just quiet time with no words or touching for 1-3 minutes.
In academics, the kindergarten kids worked on the sight words is (by ripping scrapbook paper and decorating a large sight word), go, my, and I. Some were review. We watched a video with the songs (like the go song I posted). We worked on oral story telling with our heart maps and story telling math problems on our fingers. We worked on labeling and this will continue into this week.
The kids did a wonderful job with the fire drill, too! It was a great first drill. We will have more scheduled in throughout the year as required by law (not by the ASD teachers-hehe ;) ).
Hello families! Thanks for your patience as I blog about these past two weeks!
Both grade levels have been reviewing the basic emotions of happy, sad, mad, and scared. We have been making faces to practice, drawing them in shaving cream, and looking at picture cards. We have read the books: The Way I Feel, If You're Happy and You Know It, and My Friend is Sad. You may have seen the happy and sad worksheets that came home. The kids practiced circling the emotion requested.
This past week we began to learn about the 5 point scale. Each child has a social notebook that we started to work in. Pictures of the 5 point scale faces will be on a single page (the #1 happy page will be colored green and will be first, followed by the other faces, numbers and colors). This coming week we will finish that up and continue working on identifying the numbers associated with the feelings. The goal is to have children identify "what number" they are "at" with their emotions and body control so that we as adults can help intervene and figure out preventive/proactive measures to take to help them remain calm. We also teach to the 5 point scale as everyone feeling angry, frustrated, worried, sad, and happy at times, but we have to be safe and responsible with our actions and choices.
More will come with this area and visuals will be sent home to help you support this tool.
The Fun Run was on Friday morning and was a success! They participated and behaved so well! A special shout out to Mrs. Kydd who volunteered as the K/1 leader who gave directions and cheered everyone on! It was fun!
Thank you to everyone who signed up for a conference time. Thank you for being flexible so that I am able to attend with your child's general education teacher. Have a great rest of your weekend!
Megan McQuillan
Megan McQuillan is the lower elementary teacher in the ASD program
June 2017


text: By Admin In Uncategorized November 5, 2019 0 appear aboriginal to Walmart gasoline stations that you could find playing cards that offer bigger rates on gas purchases, but when you're the use of the capital One® Walmart Rewards™ Mastercard® as your familiar card, % returned on fuel at Murphy us of a and Walmart gas stations still adds up. And it's better than the % again you'd earn at another gasoline stations. peculiarly at Murphy u . s . stations, be looking for reductions all through the yr in the event you pay for fuel with a Walmart present card or Walmart-branded bank card. which you can bolt much more rewards by way of the Murphy drive Rewards app. It earns further aspects on gasoline that can be adored for purchases at Murphy areas. treat your self to banquet The skill to earn bonus rewards on Walmart groceries is fine, and nicer still is the ability to acquire increased rewards at qualifying restaurants. You should consume, in spite of everything — and any time you achieve this at cafes, confined, speedy-meals chains, bakeries and different eligible eating enterprises, the basic One® Walmart Rewards™ Mastercard® will earn you % returned. คาสิโน ได้เงิน Share


text:
I've been pondering what I will do once I finish my Cordon Bleu diploma in November 2012. As I think through the possibilities, one that intrigues me is owning a cooking school. I believe that cooking is a life skill and although there are a plethora of cooking shows and Masterchef renditions, not many people actually learn to cook.
This journey to become a better cook began when I moved to Amsterdam. My husband could see I was struggling to settle in our new life and suggested I take a few cooking classes. Exploring hobbies or passions is always a great way to meet like-minded people and he'd found La Cuisine Française close by our home.
I embarked on 2 series of 6 lessons packages on Italian cuisine, met a couple of passionate foodie friends and then before I knew it I was obsessed and registering for Cordon Bleu in Paris. I've kept in contact and become friends with Pat, the owner of the cooking school, over the past couple of years. This spring, post Intermediate Cuisine, I volunteered to be her assistant for her "Basics of French Cooking" series.
The series consists of 6 classes where the students are led through the foundations of French techniques. The 6 classes were: Stock and fish fileting; Dressings and poaching; Pate's and terrines; Eggs; Shellfish and roasting, and finally Game. It's an ambitious course and not for novices. Although a number of the ingredients and most of the dessert recipes were new to me, I felt generally confident in assisting.
There were 14 students registered, a full slate, for the Monday evening class. I was curious as to how Pat would progress through the full menu plan and what I was to help with. As she's been an instructor for most of her career, this was all quite matter of fact for her. Although for me, I was used to sitting back taking notes and planning my approach for the practical learning.
We met in advance of the first course where she provided a bit of guidance on where she would start and where I would assist in the demo. Seems straight forward but when you are with a group often questions and plans shift and change to suit the crowd. I found myself explaining chopping techniques for vegetables, gutting and fileting a fish and scurrying to remove dirty dishes.
When the demo was done after 1.5 hours the students then went to work to prepare the 6 dishes. It was beyond challenging the first night to try and keep up with questions, make certain cutting boards were cleaned of raw fish before vegetables were chopped and that no one cut themselves!


text:
Still not connected?Sign Up
Thank You!
Your Response has been received successfully.
We will get back to you shortly.
There seems to be some problem sending the request.
Please try again later.
Redirecting you...
Based on a true story of an underdog, Harjeeta chronicles the life of Harjeet Singh, an Indian professional field hockey player. Harjeet who hailed from a very poor family fought all odds and went onto become the captain of the Indian Hockey team and lead the team to victory at the Men's Junior World Cup in 2016 and won a gold medal for India after 15 years. The victory also made India to become the first host nation ever to win the Junior World Cup. Harjeet is a real hero and his story is an inspiration to the next generation of hockey players in India.
Sorry! None of the critics have had a chance to review this movie yet.


text:
Anni Jürgenson Blog
This previous year I tried LOTS of beauty products and I've to say I really feel like I've found merchandise that I love and that really work. In the modern world, getting a tattoo is extra of a way of life choice than an expression of religious religion, or belief programs. Thomas Lockhart, a Canadian psychologist who also works as a tattoo artist, says the the reason why folks tattoo their bodies are unique and intensely personal. "Although the tattoo could also be solely pores and skin deep, its significance can run as deep as the soul", he explains. trend weblog, fashionista blog, vogue ideas, style information, and style & magnificence web sites.
Best Remedy for Broken Hair: I've blogged about this previously yr, but this olive fruit oil repairing masks saved my hair this yr. I take advantage of it about as soon as per week (or more if my hair is feeling additional damaged) and it kept it feeling and looking out tender and clean. It is a product I repurchased multiple times this yr. I imagine in visitor post strategy but that converts traffic audience from one set up weblog to another. nevertheless it works particularly when you get an opportunity to write down visitor put up on some famous blog.
Like it says in the name (which is a bit of a mouthful); this is a gel primarily based method which I might only advocate for shiny pores and skin sorts as it can be fairly drying. It did leave my pores and skin feeling a bit tight after use nevertheless it was fine after I applied my moisturiser. This did do a greater job at removing makeup that QV and Paula's choice however I nonetheless would suggest entering into a makeup remover before hand. About Weblog – Beauty and Make-up Issues is my passion and love for makeup, the place I weblog and share my endeavours with my new love. It's a blog about makeup and beauty the place you'll find product evaluations, magnificence tips, make-up tutorials and lot extra.
With international uncertainty and White Home mayhem reaching a crescendo this month, designers from New York to Paris did what they do greatest—turning their runways into a welcome avenue for a much-wanted dose of escapism. Above the neck, too, they negotiated the fantasies of the Spring 2018 season with statements that fell into two camps: Whereas some tapped into an unabashedly romantic new imaginative and prescient with eyes, cheeks, and lips swathed in pink or fairy-tale hip-grazing hair, others subverted the traditional notions of beauty with unabashed embellishment and coolly androgynous hair that is chopped with abandon. Right here, the eight hair and makeup trends that are about to go viral.
Thank You for this article. It was very useful. I really wanted to listen to this to validate every thing that I've been doing considering it was in opposition to all the other stuff I have been studying. I always assume that it is concerning the content material and not in regards to the methods and dishonest methods. Either method it is a win win for me because I still love to jot down and I am captivated with serving to folks and that is why I do it. Now I just have to ask somebody to let me blog happily on their web site.


text:
Thanks for stopping by, whether you're a Buckley or a Buckley fan. On this web page you can find your way to the Buckley Family homestead in West Shokan, New York; read about recent news and accolades in our family; and, of course, find information about the incredible institution that is Buckley Family Weekend.
Please e-mail your news, photos, accolades and announcements to Susan. Enjoy the site, and see you all at Shokan!


text:
|Cập nhật
|Tên ngoại tệ
|Mua vào
|Bán ra
MANUFACTURING CORPORATION transformers EAST ENGLAND
JSC East manufacturing transformers He has proven suitable for operating conditions on the grid Vietnam, good quality products, attentive service, reasonable prices were Customers trust make a choice. With the goal of improving the quality of products, suitable for the development of the water economy, the Vietnam Electricity, the World Economic Integration. JSC East manufacturing transformers He extended synchronous investment in infrastructure, investment in advanced technology equipment, testing equipment with high accuracy from the industrialized States prepared electrical equipment World leader.
Main Products
– Transformers Electricity 1-phase, 3-phase voltage types to 35 kV, with capacity up to 25,000 KVA.
– Transformers low voltage source converter, furnace transformers.
– The type of reactor AC and DC industrial use such as arc furnaces, the input and output of the inverter, high and low voltage capacitor (22 kV voltage), start the engine …
– Measuring transformers.
– Voltage self-adjustment.
– Cabinets medium voltage and low voltage.
– Complete electrical station kiosk type, type a column
– Maintenance of transformers …
These products power transformers are manufactured in accordance with the technical standards TCVN Vietnam 6306: 2006 (ISO 1984-1994), international standard IEC 60 076 and customer requirements consistent with the quality management system ISO 9001: 2008
Technology production line:
Investment technologically advanced equipment such as: Line cutting silicon steel sheet automatic, automatic winding machines, wire transfer casing mechanical synchronous transformer, surface cleaning system details mechanical processing …, test equipment synchronized with high accuracy.
The machine tools and equipment on which all originated from the National industrially manufactured electrical equipment world leader, such as Japan, USA, Germany, Sweden, China …
Methods of advanced synchronous investment, Bada has confirmed its growth in key products of quality and professional services, making customer satisfaction and really see the benefits of its use products due to production and supply Bada.
Development objectives:
+ Give the market the best products suited to the requirements of customers.
+ Market Development by criteria: Clients introduce customers.
+ Development produced by criteria: Investment equipment, infrastructure investment and improving synchronization quality technical team of skilled workers and professional staff.
With quality products and excellent service JSC transformers manufactured EAST ENGLAND expect the cooperation opportunities to contribute to the success of customers and the customers contribute to building land water.


text:
Pages – Each header on the top menu will bring you to a Page describing a different trip that has inspired a block of saratreetravels posts. That Page will give you a backgrounder of the trip, as well as a link to the first post of that trip.
Categories – Each post is categorized by location, as well as some bigger themes that tend to recur in saratreetravels blogs ("WWOOF" and "Travel Mishaps" being the 2 main ones that come to mind :P). If you are interested in reading about a particular place, simply click on the corresponding Category, found on the right side of your screen.
Tags – Each post is tagged with a number of descriptors that will hopefully make posts more accessible in search engines. The first Tag of every post will be the author – either .SARA, .JOSH, or both of us.
Comments – In case our highly obnoxious comment box didn't give it away, we LOVE comments. While this blog is in many ways an exercise of self-reflection, we travel in order to get to know the world and the people in it better. And so we would love to hear from you!
Thank you so much for stopping by!


text:
Embroidered woman bag with Mysterious lady design
By ekatreina
- 703 views
- View ekatreina's images
This is luxury and stylish little accessory which deserve to be main element of your look. It is small leather bag with golden chain used as handle to wear it on your shoulder. Its front side is decorated with French coquette embroidery design. It is portrait of mysterious lady with face hidden by big hat. She is somewhere near Eiffel tower so we realize that she is in Paris.
- shoulder bag
- bag
- accessory
- fashion
- luxury
- chain
- embroidery design
- woman
- lady
- paris
- france
- frenchwoman
- eiffel tower
- french
- coquette
- hat
- silhouette
- flower
- mystery
- 1
Photo Information for Embroidered woman bag with Mysterious lady design
Recently Browsing 0 members
No registered users viewing this page.


text:
If you wish to pursue higher education in foreign countries, then Canada would certainly eb one of the top choices in this regard. Canada is one of the most preferred destinations for higher studies. So, if you are really very eager to pursue higher education in the Canadian university in the year 2019, then here are a few important steps which you should be following.
There are a number of disciplines for studying in Canada which you should very carefully select depending on your interests and strength. Both undergraduate as well as post graduate degrees are available which you need to choose as per your eligibility while intending to study in Canada.
The next step is the selection of the most appropriate Canadian university depending upon the degree as well the discipline of study so chosen by the candidates. There are a lot of top Canadian universities from which you need to select the appropriate one for yourself.
This is one of the most vital steps in applying to a Canadian university for higher studies. Here are a few important tips which you should keep in mind while preparing to applying to any Canadian universities.
– First of all, search for a program or a course depending on your academic background and career wishes. Then you need to shortlist the options.
– After the options are shortlisted, it would be ideal to research the program or course which you have chosen.
– Review you grades since higher grades are necessary for getting admission to a prestigious university or institution.
– If you are more than 25 years of age and earned the graduation degree before two years or more, it is essential to include detailed information on theoretical as well as practical skills that you have developed throughout the tenure of employment.
– Finally, it is recommended to directly apply on the website of your selected university or institution with all the necessary documents.
When you wish to study in Canada, it is of immense importance to check the language requirements. English and French are the two languages which teachings are imparted. So, you need to have a proof of advanced language proficiency level in English or French. IELTS, TOEFL and C1 Advanced are some of the accepted English language tests.
It is extremely important to make sure to keep all of the required documents in original handy at the time of applying to universities or the institutions in Canada for keeping the process smooth.
The application deadlines are quite vital and therefore it is of immense importance to keep all the deadlines in mind while intending to apply for higher studies in Canada.
After you have applied to the selected university, you will have to wait for the letter of acceptance to come to you for proceeding with the further steps to be carried out.


text:
Subscribe to Autodesk® AutoCAD LT® and create precise 2D drawings faster with easy-to-use drafting tools. Easily identify and document graphical differences between two revisions of a drawing. Enjoy faster zoom and pan, and change draw orders and layer properties with 2D graphics enhancements. Take your work with you with the new AutoCAD web and mobile apps. Subscribing to AutoCAD LT means you'll always have the latest feature updates, the reliability of the TrustedDWG™ technology, and the ability to design from wherever you are, whenever you want with web and mobile apps.
Autodesk® AutoCAD LT® drafting software helps value-conscious design professionals create precise 2D technical drawings.
• Productivity: Innovative 2D drafting tools and features minimize repetitive tasks and help users work more quickly and efficiently.
• Compatibility: TrustedDWG™ technology helps ensure that files are compatible with other Autodesk® software and supports data fidelity.
• Reliability: AutoCAD LT is based on Autodesk® AutoCAD® software technology, a design platform trusted by millions of professionals for over 30 years.
AutoCAD LT® 2020 Features
- Associative arrays
- Autodesk A360 connectivity
- File tabs
- Geolocation and live maps
- Refined interface
- Ribbon galleries
- Command preview
- Smart dimensioning
- Enhanced PDFs
- Sysvar monitor
- Revision clouds
- Enhanced support benefits
- Import PDFs
- Share design views
- Autodesk desktop app
- Smart centerlines & center marks
- AutoCAD 360 Pro mobile app
Schedule an AutoCAD® LT Demonstration
If you're interested in viewing a software demonstration of AutoCAD LT, please contact our sales team. Applied Engineering is happy to schedule a face-to-face or web demonstration at a time that is convenient for you.
Purchasing AutoCAD® LT
Contact us if you're interested in purchasing AutoCAD® LT. An Applied Engineering technology sales consultant can normally have a quote to you within hours. Applied Engineering is authorized to sell Autodesk products throughout the United States and has offices in Minnesota, North Dakota, South Dakota and Wisconsin.


text:
In the present economic system, Investors and Financial Planners are trying to find safe place investments able to supplying a high amount of capital upkeep although also replacing lost risk-free earnings, as rates of interest remain near to historic lows in many developed economies. Although typically Advisors might turn to the text markets to be able to generate earnings from investments, the relative instability of monetary markets generally is driving appetite for truly non-correlated investments – that's, investment that produce a financial return that doesn't depend wholly upon the performance of monetary markets.
One particular area – and most likely the mostly broadly invested asset class – is property. Going for a proper, research-brought method of property investing enables the Investor to underline the main city worth of their portfolio with physical assets, although also generating earnings, either from rentals or through flipping qualities to capture capital gains.
You will find basically two access points for individuals thinking about property being an investment the standard buy to allow and also the more complicated but potentially more lucrative property buying and selling. The buy to allow strategy, when contacted having a modicum of good sense is really a relatively safe investment, provided obviously the investor can tolerate the illiquidity connected with tangible property assets. Almost always, a trader will choose a appropriate property for purchase within an area which shows possibility of achieving rental yields, considering all the location-based factors which make to have an investable property, and can frequently use mortgage debt to finance part of the purchase cost. Rental earnings can be used to service your debt repayment, repair off the home and tenant management, although any surplus is recognized as lucrative earnings. With time, the mortgage is compensated lower and basically the tenant takes care of your debt, therefore the investor remains having a wholly owned property after 20 approximately years.
Property buying and selling however considerably cuts down on the lengthy-term risks connected with direct property investment because of the fact that each qualities are held for that shortest time possible before a brand new buyer is guaranteed. Basically, Investors locate qualities from distressed sellers that are prepared to sell in a big discount. The investor will refurbish the home where needed and appear to market it around the open market very rapidly to be able to capture the discount like a liquid capital gain, further moving profits on into further acquisitions and disposals. You will find obviously risks connected using the strategy, mostly based on locating a buyer, although profits of 20 percent to 30 percent per property aren't uncommon, and investors might trade six or seven qualities each year utilizing the same seed capital.


text:
Due to COVID -19, Orders are delayed 4 weeks, Free Shipping in the United States! Always free returns too!
Regular price
Canadians are proud of their country, and investors are proud of their industry. Merge the two together with this t-shirt available in many colors to match your personal style these shirts are perfect for you to show you and your fellow Canadians just what you are really proud to be.
Pride for your country is something special – and you should tell the world just how proud you are to be a Canadian with this unisex t-shirt in black with a beautiful Canadian flag on the front. Trader's Creed specializes in the perfect gift ideas for both men and women – get yours today!
Benefits: Soft, Lightweight, just right amount of stretch, long for tucking or just leaving it to hang out.
Features: Crew neck, Side seamed, Shoulder taping, Pre-shrunk.
Fabrication: Bella Canvas, 100% Airlume combed and ring-spun cotton, 32 single 4.2 oz.
Fit: Retail fit. Unisex sizing. sizing falls somewhere between men's and women's traditional sizing. See sizing guide for measurements to ensure correct sizing.
Care instructions: Machine wash cold, inside-out, gentle cycle with mild detergent and similar colors. Use non-chlorine bleach, only when necessary. No fabric softeners. Tumble dry low or hang-dry for longest life. Cool iron inside-out if necessary. Do not iron decoration. Do not dry clean


text:
I am pleased to be part of the cover reveal for Jessica Scott's upcoming release on November 5, 2013. I'll Be Home For Christmas is Vic Carponti's Christmas novella. For those of you who have read Because of You and Anything For You, I am sure that like me, you found Carponti's wit and humor irresistible and perhaps had you begging (or stalking) Jessica Scott for his own story. 😉
2 thoughts on "Cover Reveal: "I'll Be Home For Christmas" by Jessica Scott"
Beautiful isn't it Colleen!
Indeed Pat! I can't wait for this story. I've only hounded Jessica for a Carponti story since last November. LOL! Luckily she's a good sport about it. 🙂


text:
Franchise Opportunities
Looking for a Lucrative Franchise Opportunity?
The Leaders Institute ® is one of the most risk-free franchise opportunities available in the business world because our processes and systems are turn-key and easy to implement. We have established territories in every state as well as opportunities in Canada and Europe. The Leaders Institute ® is the owner and exclusive deliverer of the Fearless Presentations ® Public Speaking Course, the Build-A-Bike ® Team Building Event, Public Speaking Secrets ®, Rescue Bear ®, Fearless & Persuasive SpeakingTM, High Impact LeadersTM, The Ace RaceTM, and more.
Franchise Details:
• Investment: $15,000-$100,000
• Liquid Capital: $25,000-$125,000 • Established Territories
• Sales Training • Client Acquisition Training • Coaching and Business Dev.
The corporate culture of The Leaders Institute ®
Our programs offer the highest quality content and delivery because all certified instructors go through a rigorous training process to ensure that the product that your fellow franchise owners are delivering is as high as your own. The corporate culture of The Leaders Institute ® is fun and high energy, and an entire team of sales professionals and instructors will help you get started using our turn-key system. Our philosophy is to allow our franchise owners the freedom to be your own boss and the support to help you succeed.


text:
Model of High-Temperature Diffusion of Interstitial Silicon Atoms in Silicon
DOI: https://doi.org/10.3844/ajassp.2009.1242.1245
Problem statement: Correct description of the anomalous phenomena determined by self-point defects in implanted silicon desires knowledge of their properties. Interstitial Si atoms themselves display anomalies in their behavior and firstly in existence of two very different values of the diffusion coefficient. Approach: We analyzed experimental results and proposed the model of diffusion of interstitial Si atoms in silicon in two shapes. Results: At low saturation Si atoms diffuse as isolated atoms with a low diffusion coefficient (~10-12 cm2 sec-1 at 900°C). At high supersaturation interstitial atoms diffused as Si-Si pairs, which had lower activation energy of migration and higher diffusion coefficients (~10-7 cm2 sec-1). Conclusion: The high diffusivity pairs were formed when two Si atoms hit in the same interstice. The atoms were not bound to one another by covalent bond. In a pair atoms were retained by a potential relief of the crystal.
How to Cite
Jadan, M., Chelyadinskii, A. R. & Yavid, V. Y. (2009). Model of High-Temperature Diffusion of Interstitial Silicon Atoms in Silicon. American Journal of Applied Sciences, 6(6), 1242-1245. https://doi.org/10.3844/ajassp.2009.1242.1245
© 2020 M. Jadan, A. R. Chelyadinskii and V. Yu. Yavid. This is an open access article distributed under the terms of the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are credited.
- Silicon
- ion implantation
- interstitial Si atoms
- diffusion coefficient


text:
Amsterdam Multipurpose Terminal USA AMERIKAHAVEN
United Stevedores Amsterdam ( USA ) - Amerikahaven
Ruijgoordweg 80
1047 HM Amsterdam
Westpoortnr: 7989
The Netherlands
The multipurpose deepsea terminal of United Stevedores Amsterdam (USA), has been established more than 15 years in the Amerikahaven in the most western port area of Amsterdam. The terminal handles all kinds of cargo like containers, RoRo, breakbulk and projectcargo in the most efficient way.
The facility offers everything a modern terminal is supposed to do. Handling cargo efficiently from vessels, barges, waggons and trucks. More than 35.000 m2 of warehouse space incl. loadingdocks is available incl. an integrated empty containerdepot, stuffing, stripping and defumigation services.
- Containers
- Cars, vans and trucks
- Timber
- Pipes
- Heavy lift cargo
|Deepsea quay with gantrytrack:
|Length 550 m
|Depth alongside:
|13,5 m
|Length 150 m
|Depth alongside:
|7,5 m
|Length 150 m
|Depth alongside:
|4,5 m
|Total surface:
|300.000 m2
|35.000 m2
|Total empty container depot:
|40.000 m2 (20.000 containers)
|30.000 m2 (2 tracks of 500 m.)
|Stuffing & Stripping area:
|10.000 m2
|Laadstations (loadingdocks):
|24 units


text:
Call us on +44 (0)1902 858193 or +44 (0)1952 794004
You have 0 items in your cart
S750NP Open In Window Hook Wedge
A Hook Wedge for Open-In-Windows. Suitable for all Window Handles. Plated with a Durable Nickel Plated finish and can be painted the same colour as the windows. Screw fitted to the Web of the Window using M5 screws.
Product documents:


text:
September 23, 2019
Increasing Your Chances of Quitting Tobacco For Good
Are you or a loved one struggling with tobacco use? Do you want to quit smoking and don't know how to start? Have you tried to quit before and been unsuccessful? Worried that vaping is not a great alternative? Nicotine has been proven to be a highly addictive substance. According…Read More


text:
Anthony A. Thomas
Anthony Thomas (Tony) is the Chief Information Officer (CIO) for Nissan Motor Corporation.
Thomas is the former Group Chief Information Officer (CIO) for GE Global. In this role, Thomas worked closely with GE business partners across all regions and developed and strategied their local in- region requirements into scalable in-market solutions that supported Global Technology strategy. He was instrumental in driving GE's digital transformation and global shared services vision.
Prior to joining GE, Thomas worked at Vodafone, Citigroup, Ernst & Young, etc., among other leading organizations, He held leadership roles in Management Consulting, Information Technology, and Business Operations; and he made many significant contributions to Information Technology.
Thomas is recognized as a luminary in his field of leadership, technology and innovation, and a recipient of many industry honors and awards including CIO Power List, LinkedIn Power Profiles, CIO 100 Hall of Fame, etc.
He is an active member in the startup ecosystem as a founding member of CIO Angel Network (CAN), and a member of Indian Angel Network (IAN). He has been a core member of Reserve Bank of India's Technical Committee on Mobile Banking; core member of CII National Committee on IT, ITeS & eCommerce; ASSOCHAM National Council on IT/ ITeS; and Cellular Operators Association of India (COAI), among others.


text:
Monday, December 31, 2018
the last Christmas blocks (and some cats)
7 comments:
- Carol R. said...
geez, I guess they really are like kids... when one gets sick, they all get sick. I don't envy you all that... it's bad enough here when it's only one of the two cats. Buddy is a lot easier.
I was beginning to think you'd fallen off the face of the earth -or at least left for retreat early.. I kept watching for your latest blog and kept watching and kept....
I like that Christmas quilt a long you've been doing - just not enough to do it myself. I have enough here already and have a new kit coming in a week or so - darned end of year clearance sales lol.
Well, have fun at retreat and we'll cya when you get back... don't be surprised if I send you messages reminding you about photos! lol
- December 31, 2018 at 3:05 PM
- A Left-Handed Quilter said...
Your Christmas blocks are cute! I especially like the "bulbs" and the "present". Sorry the kitties have been sick - snot bubbles - sounds like kids - one gets sick and the others follow suit - then it goes around again - UGH! Freddie is a cutie - and like kids - they're cute when they're little - ;))
- December 31, 2018 at 4:23 PM
- A Left-Handed Quilter said...
P.S. Have fun at your retreat! - ;))
- December 31, 2018 at 4:24 PM
- a good yarn said...
My goodness what a run you've had. Nice to read further down that the kitties are all on the mend. Darn that Freddie is too cute!. Your Christmas blocks are terrific. Have a lovely time at retreat and bets wishes for a happy and healthy New Year!
- December 31, 2018 at 5:03 PM
- Marsha B said...
The Christmas blocks are all so cute! I can't wait to see the finished layout. I love all the kitty stories, sorry to hear they have been sick, but it sounds like things are getting better. Have fun at your retreat, that sounds like so much fun! Happy New Year!
- December 31, 2018 at 5:03 PM
- Ruth said...
Freddie is such a cutie! Maybe with as many cats as you have, the new baby doesn't seem like too much of an intruder. Too bad about all the vet bills. It almost always happens that when you get some extra $ (working more) something comes along to use it up that you didn't count on, so you can't use the $ on fun things. I got a rather large gift certificate to my LQS from my DS and think that I will try to use it for some backings, etc. I really want to get some UFOs finished before I get involved in a bunch of new things. I have 3 flimsies hanging in the closet and I usually don't wait like that to get things finished. I may need to add a border to one or 2 of them, but that won't take long. Happy new year and have lots of fun at the retreat!!
- January 1, 2019 at 10:25 AM
- canuckquilter said...
Sorry your kitties have been sick, but they've got a great cat mom to look after them :) Enjoy your retreat. Sounds like you've earned it!
- January 1, 2019 at 6:41 PM


text:
Powhatan United Methodist Church offers fellowship opportunities for men and women at any age. Be sure to check out our programs, services and groups designed to create fellowship, encourage spiritual growth and inspire friendships.
SUNDAY SMALL GROUPS 9:45-10:45 am
FELLOWSHIP CLASSA discussion-based class that uses a variety of resources and offers prayer-based encouragement for daily living
– Using the Adult Sunday School Series to dig deeper into Biblical truths as they apply to living out our faith
UPPER ROOM – This class uses the guidelines provided in the back of the Upper Room Daily Devotional to lead participants in discussion and study of God's word.
CONTEMPORARY STUDIES – Uses a variety of resources to consider the Christian response to today's issues.
LIFE (Living in Faith Everyday) – We come alongside each other to draw closer to God through five spiritual questions asked every week. Our goal is to grow as disciples of Christ.
BLAST (Bible Learning And Spiritual Training) – Children (age 4 – 5th grade) start with moving meditation, move into music, and then study a faith topic that is often related to Sunday's sermon.
YOUTH – Students in grades 6-12 discuss their faith and how to apply it.
UNGLUED Mondays 6:30-8 pm
Unglued is designed specifically for moms of newborns to school-age children. Being a mom can be tough sometimes, so we need all the support we can get! Our goal is to provide a space in the midst of our busy lives for prayer, Bible study, fellowship, and service, with the belief that we all need God and each other to "glue" us back together.
Join us every Monday!
Stay Tuned for more Unglued events, like Mom's Night Out and Mission projects!
Questions? Contact:
Anne Timberlake
Julie Layman
This ministry focuses on helping the men of the congregation to grow in their faith in God through Christ and in forming relationships with one another. As servant leaders they have a commitment to missions and to helping the least, the last and the lost both in the community and through district and conference opportunities around the globe.
UMM meets at 7pm on the 4th Monday and 8am on the 1st Thursdays. For more information, please contact Steve Smith.
This women's small group focuses on a faith-based study and strives to connect with God and each other.
This women's small group give an account of their daily walk with Christ and study the Bible together.
This women's small group focuses on a various spiritual questions to share their walk with Christ, offering encouragement and support through life.
Silence is precious. Take time to listen to God every week.
Men gather each week to share their understand of the Bible and their faith.
ADULT CHOIR Wednesdays 7pm
Open to all adults who love to sing, the Adult Choir practices weekly on Wednesday nights at 7:00 pm in the church Sanctuary. Times during summer may vary. In addition to weekly anthems during Sunday worship services, this choir performs cantatas and other special music throughout the year. Contact the music director for more information.


text:
SACHEM creates components for the photoresist stripping process. Photoresist stripping is the last step in the lithography process. Once the photoresist has been deposited, exposed, developed, and the pattern has been transferred to the underlying film, the photoresist has to be removed. Envure ST™ products are used in the non-aqueous formulations used in this strip process, efficiently removing the organic photoresist without damaging the underlying films.
Available products for photoresist stripping
Stripper formulary for TFT
Tetramethylammonium Hydroxide (TMAH) 20% PG


text:
Mcdowell County Personal Trainer School | Mcdowell County Personal Trainer Education
Why do some Mcdowell County, West Virginia personal trainers pay
hundreds of dollars too much for their certification?
It's because they did not learn about the NESTA personal trainer certification before it was too late. However, you are in luck. You get to save hundreds of dollars on your personal trainer certification and Mcdowell County educational programs. NESTA offers the fitness industry's only 4-year NCCA-accredited personal trainer certification. It's time for you to earn your personal trainer certification, save money, and get the latest strategies and techniques for earning more money as a highly respected and successful personal trainer in Mcdowell County, West Virginia.
The Personal Fitness Trainer Certification from The National Exercise & Sports Trainers Association (NESTA) is accredited by the NCCA. NESTA is dedicated to preparing and developing qualified fitness individuals to achieve a level of professional success that goes beyond the "average" personal trainer programs.
You can begin your personal training career right now! NESTA will provide you with a respected and accredited personal fitness training program that gives you the education, resources, and specific training techniques to become a well-paid and successful fitness professional.
This very moment, you can save even more money on your Mcdowell County, WV personal trainer education!
Anawalt Avondale Bartley Berwind Big Sandy Bradshaw Cucumber Davy Eckman Elbert Elkhorn Gary Hensley Iaeger Isaban Jenkinjones Jolo Kimball Kyle Maybeury Mohawk Newhall Northfork Pageton Panther Paynesville Premier Raysal Roderfield Squire Switchback Thorpe War Warriormine Welch Wilcoe


text:
We know about the beaches, and we know about the outback, but how do we keep missing the cultural hub that is Queensland's festivals? From the artsy-fartsy, to super remote music festivals, to clebrations of Indigenous culture, there's something for all interests. We've rounded up just a few of our faves for you to plan your next getaway around.
Chinchilla Melon Festival
Uuuuum did you know watermelon is a vegetable, not a fruit? Because I was today years old when Chinchilla Melon Festival's website revealed this fact to me. Disturbing truths aside, I am all for a whacky festival that literally is all about the melons. Which makes more sense when you note that Chinchilla is known as the 'Melon Capital' of Australia, which is huge. You seriously need to head to the website and check out all the melon-related activities, it's wild.
Big Pineapple Music Festival – Sunshine Coast
Right next to the Goldie we have The Big Pineapple Music Festival. It's sponsored by Triple J, so you know it's good. And yes, yes it IS held at the site of THE big pineapple. The line-up drops in Feb so keep a weather eye open!
Birdsville Big Red Bash – Simpson Desert
In a world where just being a music festival isn't enough anymore and everyone needs to be a unique experience, the world's most remote music festival is definitely one to put on your list. Yes, that means it's more remote than Burning Man.
Birdsville is a town of about 100 on the edge of the Simpson Desert, that swells to around 6000 come Big Red Bash festival time. So it's remote but certainly not empty. The festival itself takes place on the first of over 1000 sand dunes in the Simpson Desert, a 40-metre high monster known as Big Red, and yeah that's about the height of a 10 story building.
The festival happens every year during the July school holiday period when you can expect killer Aussie bands and yes, camping only.
Brisbane Festival – Brisbane
Queensland's capital city throws one hellava international arts bash every year where you can delight yourself with theatre, music, dance, circus, opera and more. It's also when Brissy's famous Riverfire display lights up the city, always on the final day of the festival.
Vision Splendid Outback Film Festival – Winton
Aussie films are seriously underrated and I will not hear otherwise. So a whole festival dedicated to Aussies films in the super cute outback town of Winton is a big yes from me. The town itself has its own history with movies, including being the setting of several major films like Nick Cave's Proposition. It's also the home of Waltzing Matilda and a lot of fun dinosaur things. So your trip will never be wasted.
Noosa Food & Wine Festival
You read food and wine right? And you must have at least seen how beautiful Noosa is? So I doubt I even need to do more convincing. Held in May, treat yourself to five days of mouth-watering indulgence then roll around on the beach afterward. Is this what heaven is like?
View this post on Instagram
Deep breath: the Noosa Food & Wine Festival 2019 program has been announced with tickets on sale NOW! ???? Whether you are looking for beachfront brunches, dinners with celebrity chefs, live cooking demonstrations or a party under the stars, there's something for everyone in our 2019 program. We can't wait to see you all in @visitnoosa in May. #NoosaFoodAndWine #VisitNoosa
Jungle Love – Mary Valley
Since 2014 this boutique music and arts festival has hit South East Queensland with hand-picked acts to excite music and art lovers, rather than just a grab for the big names simply for the sake of having big names. You know your little hipster heart is setting aflutter. Also the Mary Valley is super beautiful, just saying.
Laura Dance Festival – Cape York
Every two years, the small town of Laura is transformed as it hosts one of the largest and oldest Aboriginal cultural festivals in Australia. People from more than 20 communities converge on the town to perform cultural ceremonies, sing ancients songs and yes, dance. It's a truly unique way to experience Australian Indigenous culture.
The dust is settling after the 2017 Laura Dance Festival.Organisers are hailing it the deadliest ever – 9,000+ spectators, 23 dance groups and 100% Indigenous employment.And the finalists couldn't be split! Congratulations to Kawanji Wimpa (Lockhart River Dancers), Mayi Wunba (Kuranda) and Bamaga who were named joint winners!!!
Posted by ABC Far North on Sunday, 2 July 2017
BIGSOUND – Brisbane
I love BIGSOUND for combining the music portion of its festival with something a little different. It's also a conference of ideas with an always amazing lineup f speakers, from musicians to sports people to people in all types of professional work. There are very few festivals you walk away from with more brain cells than when you walked in.
Bleach Festival – Gold Coast
Consider Bleach Festival proof that there is so much more to the Gold Coast than schoolies. Each April it brings a culmination of amazing art and culture into the city, both local and international talent. This year's program is yet to be announced, but expect it to cover all genres including dance, theatre, contemporary music, opera, installations, circus and major public events.


text:
February 2019 Calendar Word Printable
You can have a good looking ideal format with this templates. All the printable sheets can be printed in different as we already mentioned. You need to have a unique variety of February 2019 Calendar In Printable Word Template for exceptional performance. All tasks, events, parties and holidays, can be managed with it.
February 2019 Calendar Word
A well-coordinated February 2019 Calendar In Word will assists every user to make plannings which is necessary to plan things with it. It's so important to investigate the whole month. Anything you will require is a proposed arrangement predicated upon your advantage. February 2019 Calendar Word Doc will soon be quite invaluable to this effect.


text:
Texting while driving has become one of the leading causes of fatal collisions, and in a bid to curb this dangerous behaviour, Ontario just implemented some of the toughest distracted driving laws in Canada.
As of January 1, fines for using phones behind the wheel have more than doubled to $1,000 for first-time offenders, and a bunch of other consequences, including complete cancellation of your licence.
The tougher penalties are part of Bill 174, a piece of new legislation passed by the Liberals in 2017 that makes amendments to the Highway Traffic Act.
The new amendments are primarily to deal with offences related to driving under the influence of drugs, but one section adds new provisions that increase penalties for offenders of distracted driving.
If you're caught driving while distracted it will cost you. The law mandates that offenders be charged a minimum of $500 up to $3,000. First-time offenders could be fined up to $1,000, get three demerit points and have your licence suspended for 3 days.
Second-time offenders will be fined up to $2,000, gain six demerit points and a seven-day suspension. For third-time offenders, or anyone hard-headed enough to do it more than that, you'll be fined $3,000, get six demerit points and have your licence suspended for 30 days.
For novice drivers — people with a G1, G2, M1 or M2 licence — the penalties are a bit different. You'll receive the same fines as people with A to G licences, but you won't receive any demerit points. For first convictions, you'll receive a 30-day licence suspension, a 90-day suspension for second convictions and for any other convictions your licence will be cancelled completely and you'll be removed from the Graduated Licensing System (GLS), which means you'll only get your licence back by re-doing all of your testing.
So what counts as distracted driving? The government's website says that "Using your phone to talk, text, check maps or choose a playlist while you're behind the wheel all count as distracted driving. Other activities like eating, reading or typing a destination into a GPS are also dangerous when you're behind the wheel."
If you're distracted driving and it endangers other people you could also be charged with careless driving, and the penalties for that are even stiffer. You could be charged up to $2,000, have six demerit points added, receive a licence suspension of up to two years and even face jail time of six months.
The rules apply to phones, DVD players, e-readers, and any other handheld communication devices.


text:
Less Popular Google Search Tips. There's not a day that passes by without searching for information on Google.
We're pretty sure that you're aware of some advanced Google search operators like AND, NOT, etc. but here are some lesser known tricks that you can implement when you're searching on Google. We bet you wouldn't know at least one of these! 1. Forget the site: operator, just use 'at' Some of you would have known the site: search operator. Forget the site operator and use the at keyword instead. 2. The nerds among us would frequently use the define: keyword to look up for definitions. You needn't necessarily use the define keyword anymore to get definitions in search results. 3. AROUND(n) is an undocumented search operator and it will be of immense use when you're looking for pages with two terms separated by n number of words. 4.
You can use the tilde (~) operator to search for pages that not only contain the word that follows it, but also its synonyms. Top 15 Open Source/Free Security/Hacking Tools. 1.
Nmap Nmap ("Network Mapper") is a free and open source (license) utility for network discovery and security auditing. Nmap uses raw IP packets in novel ways to determine what hosts are available on the network, what services (application name and version) those hosts are offering, what operating systems (and OS versions) they are running, what type of packet filters/firewalls are in use, and dozens of other characteristics. Nmap homepage. Hacking - Beginning txt. How to Pirate Software Without Getting Caught. The Best Hacking Tutorial Sites - Learn Legal Hacking. Written by: Daniel Robson•edited by: Aaron R.
•updated: 2/13/2011 Whether it's to understand potential attack vectors or simply for the fun of it, learning the basics of hacking is something that a lot of people aspire to. Here's our list of the top tutorial based hacking sites. Introduction Films like Swordfish and Hackers have made hacking seem cool, a lifestyle choice almost. However most techies know that in reality it's often a difficult and time consuming process.
Top 50 Hacking Tools That You Must Have. Whether you are a Penetration tester, a hacker or an aspiring newbie trying to learn Cyber Security, you must have a nice catalogue of tools to make your life easier.
While these tools do make working simpler but cannot compensate for the vast amount of knowledge required in this field. In this post i'm going to mention 50 different tools under 9 categories that your 'Hack Lab' must have. Most of the tools mentioned in this post are pre-included in Kali Linux which you can install to have them at once. Intrusion Detection Systems :- These are the tools you must have if you're building a hack lab for penetration testing or for any security arrangement. SnortNetCop Encryption Tools :- While the above tools do identify any suspicious activity but they can't protect your data, you need encryption tools for that. TrueCrypt (The project has been shut down and no longer supported)OpenSSHPuttyOpenSSLTorOpenVPNStunnelKeePass Port Scanners :- NmapSuperscanAngry IP Scanner Packet Sniffers :- Enjoy..!!
Google Guide Cheatsheet. How to use Google for Hacking. Google serves almost 80 percent of all the search queries on the Internet, proving itself as the most popular search engine.
However, Google makes it possible to reach not only the publicly available information resources, but also gives access to some of the most confidential information that should never have been revealed. In this post, you will find the information on how to use Google for exploiting security vulnerabilities that exists within many websites. The following are some of the ways to use Google for hacking: 1. Using Google to Hack Security Cameras: There exists many security cameras that are used for monitoring places like parking lots, college campus, road traffic etc.
Inurl:"viewerframe? Click on any of the search results (Top 5 recommended) and you will gain access to the live camera which has full controls. As you can see in the above screenshot, you now have access to the Live cameras which work in real-time. Intitle:"Live View / – AXIS"


text:
News: Oct 09, 2019
From October, we have two new doctoral students at the Department of Conservation, Maitri Dore and Rebecca Staats. They are part of HERILAND, a pan-European research and training network on cultural heritage in relation to Spatial Planning and Design.
Maitri: I'm an architect and urban studies graduate from Mumbai, India. Professionally I have been involved in the design of sustainable houses and in research related to affordable housing, in India. Most recently, I worked on an exhibition and book about architecture's role in the face of climate change, at the architecture museum in Vienna.
Rebecca: I come from New South Wales, Australia. However, for the past two years I have been living in Durham in the UK where I did my master's degree. This is my first time in Sweden, and I am very excited to be here!
Maitri: My specific topic relates to the role of heritage in large-scale infrastructure projects and as part of my research I will be studying the ongoing West Link extension in Gothenburg.
Rebecca: My PhD will explore heritage in economic growth and social renewal through researching place branding and heritage management using a comparative case study approach.
Maitri: I hope to contribute research that's contemporary, and relevant to ongoing development issues that concern the built environment, through cases in Sweden, India and elsewhere. I'm looking forward to learning more about the entanglements between architecture, history and politics in Gothenburg, through its urban development projects. Further, through the internships that are integrated into the Heriland project, I hope to acquire hands-on skills in the field of heritage management.
Rebecca: I am looking forward to the opportunity to delve into research and contribute to the field through producing journal publications and presenting at conferences. I am excited to collaborate with academic and industry partners through the internships organised through the HERILAND project, and ultimately to contribute to new knowledge about effective heritage management strategies.
We welcome Rebecca and Maitri and look forward to following their future research work.


text:
How Huntsville Can Be Launch City with UAH ICE Lab
Editor's note: This article was originally written in August 2014. Photos are courtesy of Violet Edwards. Several big names have been coming to Huntsville lately, including Remington, Cabela's and Whole Foods. However, a local group is encouraging a more home-grown approach to economic development. The Innovation, Commercialization and Entrepreneurship (ICE) Lab is an initiative by… Read more »


text:
Lesson objective: Solve problems by creating an order of events based on information from analog clocks.
This lesson provides an opportunity for students to apply their knowledge and understanding of telling time to the hour and half hour to a real-life situation. Students are asked to interpret information from analog watches to determine an order of events.
Key Concept students will use:
- We can tell and write time to the half hour using analog and digital clocks.
Skills students will use:
- Telling time to the half hour
- Telling time to the hour (Grade 1, Unit 5)
Students engage in Mathematical Practice 1 (make sense of problems and persevere in solving them) as they interpret information on the watches and determine the correct series of events.
Key vocabulary:
- After
- Before
- Half hour
- Hour
- Hour hand
- Minute hand
- Watch


text:
The problem is so vast and the urgency so great that advice which suggests you turn off the tap while brushing your teeth or switch off lights and standbys when they are not needed or go vegetarian for one day a week seems, well, ridiculous. Global warming is probably the greatest threat our species has ever faced. The sheer scale of the processes under way in the atmosphere and the oceans makes it hard not to view anything an individual does to reduce emissions as being too little too late. Not true. The astonishing fact is that each of us can have an immediate impact on the production of greenhouse gases, and if enough of us act together in these minor ways, the cumulative effect will be dramatic. That's because so much of the way we live our lives is wasteful and, to put it bluntly, thoughtless. It takes nothing to switch off a lamp, unplug the phone charger, take a shorter shower, cook without pre-heating the oven, skip the pre-wash part of the dishwasher cycle, or, often, walk or bike instead of drive. And they all save money, which is one of the rather striking things about reducing your carbon footprint—the standard way of measuring the CO2 emissions each person is responsible for.
Some of the suggestions that follow may involve a little more effort—recycling, ditching plastic bags, and fixing leaky faucets and toilets; others require you to spend money—insulating your home, installing solar panels, or buying a fuel-efficient car. Even with these, however, there is almost always an eventual payback in terms of reduced bills.
The overwhelming and heartening point about the ideas here is that, if adopted by large numbers of people, they will have an immeasurable effect. When it comes down to it, the continued rise in carbon emissions is a matter of individual conscience: each of us can and should do something, however small. In 5 or 10 years' time that thought, together with everything written here, should be second nature to us. Ladies and gentlemen, this little booklet is the future—a more ingenious, more satisfying, and less wasteful future. Welcome to it.
Reporting for V.F.'s Green Guide by Daisy Prince and Emily Butselaar.
- Lightbulbs Matter
Switch from traditional incandescent lightbulbs to compact fluorescent lightbulbs (C.F.L.). If every American household replaced one regular lightbulb with a C.F.L., the pollution reduction would be equivalent to removing one million cars from the road. A 30-watt C.F.L. produces about as much light as an ordinary 100-watt bulb. Although the initial price is higher, C.F.L.'s can last 12 times as long. C.F.L.'s are available at most home-improvement stores and at bulbs.com.
- Ditch Plastic Bags
Californians Against Waste (cawrecycles.org), a nonprofit environmental advocacy group, estimates that Americans use 84 billion plastic bags annually, a considerable contribution to the 500 billion to one trillion used worldwide. Made from polyethylene, plastic bags are not biodegradable and are making their way into our oceans and waterways. According to recent studies, the oceans are full of tiny fragments of plastic that are beginning to work their way up the food chain. Invest in stronger, re-usable bags, and avoid plastic bags whenever possible.


text:
Phonophobia Have you seen the way children play? They will talk to a stick as if it were a man. The speak life into the air around them. They drag... Read more →
Daniel McGinn is the author of The Moon, My Lover, My Mother & The Dog which was published by Moon Tide Press and can be purchased at his website: www.poetmcginn.com. He is also the winner of Laguna Beach's John Gardner Community Poetry Contest for 2018. Daniel received his MFA in writing from Vermont College of Fine Arts. Write Bloody published his first full-length collection of poetry, 1000 Black Umbrellas in 2011. Five of his chapbooks have been included in the Laguna Poets Series. Daniel has been a regular contributor to Next Magazine and the O.C. Weekly and also curated a reading series at Bean's coffee house in Whittier California. He was a member a member of the 1996 Los Angeles National Slam team. Daniel has been married to the poet and painter, Lori McGinn, for 41 years.
By Daniel McGinn on


text:
An introduction to unit trust investments
Unit Trust investments can provide you with a simple way to start saving for your future. But before you invest, consider both the pros and cons.
Unit Trust investments enable everyone, including first-time investors, to build a balanced and diversified investment portfolio, with exposure to the stock exchange. They work by allowing a large group of people to pool their capital for investment in the equity, bond and money markets.
What is a Unit Trust Investment?
Unit Trusts, or collective investments, are popular investments in which investors' funds are pooled and managed by professional managers.
Investing in shares has traditionally yielded good returns, offering investors the opportunity to build real wealth. But the large amounts of money required to buy shares are often out of reach of smaller investors. Pooling everyone's funds in a collective investment enables fund managers to build a portfolio of securities or shares and to then offer cost-effective access to financial markets.
There are two main sources of income for Unit Trust funds: interest from interest-bearing investments, such as money-market instruments and bonds, and dividends from shares.
There are around 1 500 locally managed Unit Trust funds available to investors in South Africa. Even if you haven't specifically invested in a Unit Trust, it's likely that your retirement annuity and other investments are invested in Unit Trusts to earn the highest return.
The pros of a Unit Trust Investment
1. Well regulated
Unit Trusts are strictly regulated by the Financial Services Board (FSB), the Association of Collective Investments, and each collective investment scheme manager's trustee or custodian. You'll enjoy wholly transparent fees, charges and investment performances.
2. Low investment risk
A Unit Trust spreads your money across many investments, reducing the chances of you suddenly losing large amounts of money should the markets change. For example, if one of the companies in which you have invested suffers a severe setback, only a small percentage of your investment will be affected as it is spread across multiple companies.
3. Know your investment status
It is easy to monitor the performance of Unit Trusts. You can access your statement online or receive regular updates from your fund manager. You can also track the performance of your Unit Trust fund on a daily basis on investment websites or via the press.
4. Start with a small investment
You don't need a large amount to start investing. On average monthly debit orders usually start at around R500. By investing a little more every month, you can start to grow your investment steadily. The reason Unit Trust funds exist is to make it easy for anyone to invest in any part of the economy they choose to and to benefit from professional fund management.
The cons of a Unit Trust Investment
1. Spoilt for choice
Investors looking into Unit Trusts will find a multitude of options available in the South African market, making it difficult to choose. If you are not conversant with investments or Unit Trusts, it's worth making use of a registered financial advisor to assist you.
2. No guarantees
Unit Trust funds are invested across a range of different investments, over various geographical regions, providing different risk with various financial institutions. There is no guaranteed return or a guarantee that you will not lose money. However, with an investment term over at least a five-year period, a return is generally achievable and probable, with the correct investment strategy.
How is income earned in an Unit Trust Investment?
Investors earn interest and/or dividends from your Unit Trusts, depending on the type of fund you've invested in.
Interest is what you earn on your money by lending it. Dividends are a share of profits that you get as a part owner of a company when you purchase its stock. It is your portion of the company's earnings. Unit Trust fund managers may declare these earnings monthly, quarterly or every six months.
When you earn interest and/or dividends the default option is for them to be automatically reinvested, increasing the number of units you own. Alternatively, you could opt to have dividends paid out to you instead of being reinvested, but this will have an impact on future growth.
What fees will I be charged?
There are fees that you need to be aware of when investing in Unit Trusts. These fees will be deducted as a percentage of your investment. There are two distinct types of fees:
1. Upfront fees
These fees are deducted on the first day of your new investment. This is a once-off fee, which usually ranges as follows:
- Unit Trust management company initial fee: ranges from: 0.25% – 2.00%
- Financial advisor initial fee: ranges from: 1.00% – 3.00%
VAT is levied on top of this fee.
2. Ongoing fees
Ongoing annual fees are deducted over the lifetime of the investment. This is shown as a percentage, which will be deducted monthly over 12 months. Ongoing fees usually range as follows:
- Unit Trust management company fee: ranges from 0.50% – 1.75% p.a.
- Financial advisor fee: ranges from 0.50% – 1.25% p.a.
- Unit Trust platform admin fee: ranges from 0.25% – 0.95% p.a.
How will I be taxed on a Unit Trust Investement?
Unit Trusts are subject to two types of taxes:
1. Tax income earned in the form of interest and dividends
At the end of the tax year, your investment company will issue you with an ITB3 certificate, a certificate produced annually for every account that has received credit interest. It states how much interest was earned during the tax year. If an account earns interest above the prescribed threshold, you are liable for declaring it on your annual tax return.
2. Capital Gains Tax
If you sell any of your Unit Trusts, or if you switch from one Unit Trust to another, you'll be disposing of assets and are subject to Capital Gains Tax. This is why it's important to do the research and ensure you are satisfied with your choice of fund.
Next Step
Visit our Unit Trusts page to apply and for more information, or use the comments field to chat to customers and consultants in the investments section in the Community.