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Careers in Chartered Accountancy Vs Actuarial Science
"If you follow your heart and do what you like, you will always do much better, it doesn't matter what your educational qualification is. " ~Sundar Pichai
What do you want to become when you grow up?
The most common question asked to almost every child. Career is one of the most important decisions in an individual's life and it must be taken by accounting various factors like interest, opportunities available, feasibility etc.
In this
Who are they?
An Actuary is a business professional who deals with the measurement and management of risk and uncertainty. These are true professional statisticians and the ultimate quants that use past data to predict likely future outcomes. Such skills make them exceedingly useful for insurance companies or other businesses that sell insurable products.
An accountant is a practitioner of accounting or accountancy, which is the measurement, disclosure or provision of assurance about financial information that helps managers, investors, tax authorities and others make decisions about allocating resource. Accountants service individuals, businesses and governments to help ensure that everything is running efficiently and accurately.
As far as the quality of work is concerned, both Actuary and chartered accountant are considered to be
How can you
The Actuarial Science course requires one to pass a series of 13 professional examinations in order to be fully certified. The thirteen papers are divided into 4 groups:
Core Principles: 7 compulsory papers
Core Practices: any 3 papers among the 3
Specialist Principles: any 2 among the 8 specialization exams
Specialist Practices: any 1 among the 5 Actuaries can work in the field before they've completed all the exams though.
Usually, they'll do more technical work at the beginning while they're still passing exams. Actuarial Science is considered a highly professional and difficult course and is usually taken up by individuals who are already working in the industry with different qualifications and after the age of 20. But recently a different trend has been noticed in India where
A Chartered Accountant:Similar to actuaries, accountants also need to get a bachelor's degree. It must be in accounting or business. They also need to have completed a specific number of exams in accounting, auditing, taxation, and business.
It takes at least 4 years to complete the degree.
The CA exam is broken down into 3 stages A score of 40% is required in each subject and they have to attain 50% of the aggregate marks.
Stage 1- CS Foundation
Stage 2-INTER CA
Stage 3-CA Final
An accountant can work in the field before obtaining the CA designation. In fact, they have to do their training and article ship for a period of 30 months before appearing for Final CA. Chartered Accountancy is a course that is studied along with graduation, although there can be exceptions.
Employment Opportunities and Outlook
For Actuaries
Actuaries are most commonly employed by insurance companies. Almost any type of insurance will needs actuaries in the background to assess and manage the risk involved with providing that insurance.
They can also work for pension consulting firms, or the government in areas dealing with public healthcare/retirement systems (like OHIP and CPP in Canada, or Medicare and Medicaid in the U.S.). Any company that has some level of risk that it wants to manage is also a possibility. This isn't actuarial work in the traditional sense though.
There are fewer jobs for freshers at the entry level. Once you gain some experience in an actuarial position, you likely won't have a hard time getting other positions in the field.
You may have heard that the unemployment rate for actuaries is almost 0%. They're referring to fully-qualified actuaries. There are many actuarial job candidates with some exams passed that are unable to find entry-level jobs. Technical skills, a good GPA, and related experience all increase your chances of getting a job.
My personal opinion is that there will be more and more actuarial positions in the future, but since there are also more and more candidates applying for these positions it's going to continue to be difficult to stand out as "one of the best". Due to this uncertainty, it's important to have a back-up plan if you decide to become an Actuary.
For Accountants
Almost every company needs an accountant. Many of them have an entire finance department with multiple accountants working together. So, there are many thousands of CA jobs in India and abroad.
The large base of employers that need CAs means that there are jobs in most cities.
With the extensive opportunity paths open to CAs I'm led to believe that intelligent CAs with good communication and technical skills will be able to find a job.
Actuary Outlook v/s Accountant Outlook The demand for both actuaries and accountants looks high for the coming years. However, the relatively small number of actuarial positions available compared to CA positions suggests that you'd probably have an easier time finding a job as a CA. If you do go the actuarial route, you should have a back-up plan that'll allow you to gain experience first and then hopefully switch to an actuarial job.
Common thoughts on Actuarial Science
- Only people who love maths and statistics do Actuarial Science.
- Actuaries earn
veryhigh salary around 1cr.
- Actuarial science is too difficult a course to be completed.
To read all the myths and reality on Actuarial Science, click here.
Common thoughts on Chartered Accountancy
- CA is an extremely tough course.
- Once you become a CA, you will be highly respected. The truth is, a mere degree doesn't earn respect, the kind of work you do wherever and whatever that be earns you respect.
- Single strategy to clear CA final works for all.
- Life of a CA student is very difficult with 7am to 10pm studying hours.
There is a common notion that people pursuing these courses don't have a life because they study all the time , don't have time for socialising and always think about numbers. This is not true. It is just that these people have a different definition of life, a different thing gives them happiness and they want a different thing from life.
People say, after having the degree in hand, the sky is the limit. Let us see what lies ahead for you.
For Chartered Accountants
There are a few courses which you can take up along with a
Dip IFRS – It is a certification course offered by the ACCA Institute, London. It can help you if you are in audit/ accounting role in a company.
CIMA/ CMA → CIMA degree is offered by CIMA, London while CMA is offered by IMA, USA. These degrees will help you if you are working in controlling function. Also, these qualifications will be more useful if you are in Foreign MNC and in a business role.
Post qualification courses by ICAI → ICAI offers many post qualification courses which are useful for professionals in their respective service areas. Check more on this at The Institute of Chartered Accountant of India
Following are the areas where CA's find opportunity: Banks, Public Limited Companies, Auditing firms, finance companies, legal firms, legal houses, patent firms, copyright registers.
For Actuaries
Data Science is a field in intersection with the course. People with inclination towards risk specialise doing FRM(Financial Risk Management) , people inclined towards finance also do CFA (Chartered Financial Analyst).
Finally, I believe
Accountants and Actuaries are both important in their own ways in the financial world, however, the roles and duties are broader for an accountant, and they are quite specific for an Actuary. One cannot replace the other. While certain job duties of management accountants overlap those of actuaries, the career fields remain largely distinctive.
The broad functions and skills of accountants help to ensure that they have a variety of employment opportunities available to them across all industries. However, actuaries who have skills that are in high demand are mainly employed in the financial services industry exclusively. Subsequently, job function, variety, and technical difficulty primarily sum up the differences between an Actuary and accountant.
Each of these can be a fantastic career for the right individual. Accounting jobs should appeal to those who are interested in finance or business management and who don't want to deal with constant stress or job uncertainty. Those with a passion for statistics and computer modelling will be hard pressed to find a career better suited than as an Actuary.
Both fields require the ability to work through problems logically and deductively, but accountants normally have simpler and more commonly reoccurring issues. A lot comes down to the desire to perform complex mathematical problem solving. Accountants don't need to use complicated math concepts like actuaries do, and many might find the intense data harvesting of an Actuary to be a little daunting or too monotonous.
If you are doing a course because that will give you a good life in future but you crib about having to study every night then my friend you don't want to accept the pain of this journey. There is a different course or field of work for you because you will be able to happily accept the pain that comes along with that, you need to find that destination and start on that path.
If you have thought on working on your passion after you become a CA or an Actuary, then stop and get on with the field that excites you and you love. Don't let the fear of not excelling stop you from switching careers. What you are made for is calling for you, trust it's call.
There are many other opportunities available and it really depends on where you want to go and how do you see yourself in the future. If you look at examples like Harsha Bhogle, Suresh Prabhu, Piyush Goyal, Kumar Mangalam Birla you will notice that they identified the area in which they were interested and pursued their path with dedication and commitment.
Steve Jobs rightly said,
"Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do. If you haven't found it yet, keep looking. Don't settle. As with all matters of the heart, you'll know when you find it."
Whenever the going gets tough and you feel like you are getting nowhere and you start doubting yourself and you feel like you are incapable of it, then remember
"He who has a why to live, can bear to live any how " , says Friedrich Nietzsche. Because it's your 'why', your ultimate purpose that takes you forward in the journey.You just have to follow your calling.
Read all the latest articles on Actuarial Science New Curriculum Click


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Intl. Iran Pharma expo underway in Tehran
TEHRAN, Sep. 13 (Press Shia) – The 3rd International Exhibition on Pharmaceuticals and Related Industries, Iran Pharma 2017, kicked off on Tuesday in Tehran and will run through September 14.
The international event is playing host to 502 pharmaceutical companies, 164 of which are foreign ones.
The inauguration ceremony was attended by Health Minister Hassan Ghazizadeh Hashemi, Head of Iran's Food and Drug Administration Gholamreza Asghari, Indonesian Vice President, and Bulgarian and Danish ambassadors in Tehran.
Following the great success of its previous edition, Iran Pharma Expo is aiming for bigger objectives in its 2017 edition.
Several events are taking place on the sidelines of the event including the 2nd medical and pharmaceutical book fair, the 1st health-oriented media exhibition, and different workshops in the fields of packaging, marketing and export.
The exhibition takes place from September 12 to 14, 2017 in the Grand Musalla of Tehran.
Showcasing a great number of pharmaceuticals, APIs, packaging industries, herbals, supplementary products, cosmetics and hygienic products, pharmaceutical machinery and equipment, as well as homecare and contact services, Iran Pharma Expo 2017 promises to mark yet another historical event in the region's pharmaceutical market.

subset: commoncrawl


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Join us for a special storytime geared to the senses! We will share a variety of stories, movies, puzzles, sensory -related items and crafts every Monday!
|Mon, Jul 06
|9:00AM to 9:00PM
|Tue, Jul 07
|9:00AM to 9:00PM
|Wed, Jul 08
|9:00AM to 6:00PM
|Thu, Jul 09
|9:00AM to 9:00PM
|Fri, Jul 10
|9:30AM to 6:00PM
|Sat, Jul 11
|9:30AM to 6:00PM
|Sun, Jul 12
|2:00PM to 6:00PM
Stanford L. Warren Library orginally opened in 1940 as the new home of the historic Durham Colored Library. The annex was added in 1949-1950, and renovations occurred in 1968, 1984-1985 and 2004-2006. At 10,244 sq ft, the library features free wireless interet access, public computers, printing services, and meeting space.


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Igloo Software has been named to KMWorld's annual ranking of the 100 most innovative knowledge management companies for the tenth consecutive year. This list features organizations that are focused on advancing their products and capabilities to meet changing customer requirements.
Igloo was named to the Constellation ShortList™ for Employee Digital Workspaces in Q1 2020. The technology vendors and service providers included in this program deliver critical transformation initiative requirements for early adopter and fast follower organizations.
Report evaluated Igloo Software along with 17 other enterprise-grade platforms that facilitate the creation, curation, and communication of business content from the individual to the ecosystem level in the digital work hub category.
Attributes 174 percent revenue growth to the widespread adoption of its award-winning digital workplace platform and portfolio of innovative solutions by global enterprises
Award-Winning Igloo Digital Workplace Platform Helps Leading Organizations Maximize Digital Transformation Initiatives
As a leader, Igloo stands out in a crowded market, demonstrating innovative product capabilities, comprehensive services, and enterprise-grade strength and stability
Dan Latendre was recently named one of the SaaS industry's top 50 CEOs by The Software Report (TSR), placing him #8 in the Growth Leader category.
Igloo's award-winning platform was selected based on how its industry-leading digital workplace solutions and expansive set of integrations improves knowledge management
Igloo user rankings, reviews, product features, capabilities and user experience make it stand out from the crowd
Igloo named in KMWorld's Top 100 Companies That Matter in Knowledge Management, 2019 for ninth consecutive year
Igloo Software Named to the Constellation ShortList™ for Employee Digital Workspaces in Q1 2019
Igloo Software named one of the fastest growing companies in North America on Deloitte's 2018 Technology Fast 500™.
Vendors selected for the Hot Vendor Report are noteworthy, visionary, and innovative.
The award-winning platform was selected based on its advanced features and comprehensive integrations.
Microsoft selects Igloo Software as a Great Canadian Innovator in its 2018 yearbook.
Igloo Software Named to Constellation ShortList for Corporate Intranet Platforms in Q3 2018.
Dan Latendre is recognized as one of the Top 50 SaaS CEOs in 2018 for his integrity, drive, and impact on Igloo Software's growth and accomplishments.
Dan Latendre is recognized for his role in leading Igloo Software through a period of significant growth and movement.
Finalists represent the best products, technologies, and services in software, information and business technology.
The digital workplace solutions provider is recognized by KMWorld for the eighth consecutive year.
Attributes 170.5% revenue growth to increased demand for its digital workplace solutions, commitment to customers, and strong technical and service partner alliances.
Kitchener-Waterloo Scale-Up Makes List for Second Year in a Row with 138% Revenue Growth.
Canada's Top Small & Medium Employers.
North America's Fast 500 and Canada's Fast 50.
Igloo has been in business for 10 years, and for 7 consecutive years we have been listed in the Gartner Magic Quadrant.
Ranked #1 for customer experience in the MarketScape for enterprise social.
Best Practices Award for product leadership in enterprise social.


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AICC supports schools, and STEM programs in schools including PBL and Experiential Learning. Our system is used in P-20, university programs. Pilates, Dance, Yoga, Medical, Veterinary, Occupational and Sports Medicine professionals, used for professional development and personal advancement.
Want to do more for your favorite charity? We've made it easy for you to raise money by creating a personalized fundraising page.Start a fundraiser Current fundraisers for this charity (0)
ANATOMY IN CLAY® Centers (AICC) is innovating the teaching and learning of anatomy and comparative zoology education using ANATOMY IN CLAY® Learning System. We empower self-discovery in each of us, proving that we are all amazing, while at the same time uniquely connected to each other and the world around us.
ANATOMY IN CLAY® Centers exists to expand upon centuries of exploration into human and animal bodies. The system was founded by Jon Zahourek, who pioneered a new way of teaching anatomy more than thirty years ago with a hands-on approach to learning anatomy. In its lengthy history, anatomy has been closely linked with the medical sciences but is also an essential element in the understanding of who we are and how we function in the world, a subject with broad implications.
Jon Zahourek developed the initial concept for Anatomy In Clay® Learning System in 1977 with the creation of the first Maniken® model, a 30-inch tall scale model sculpture of a human skeleton. The purpose was to provide a teaching display to demonstrate the anatomy of muscles in front of classes of drawing students at the Parsons School of Design in New York City.
By 1979, Jon's experience in the classroom dazzled him with how much he learned about anatomy while building muscles on the model skeleton. His original concept expanded with a new goal: to share this learning experience by putting it in the hands of students -- literally "hands on" education in action.
Jon and his wife, Renée, developed a week-long intensive workshop involving this hands-on method that they conducted throughout the United States -- and in London and Stockholm as well -- in a variety of venues. They relocated to Colorado in 1992 and established an office and manufacturing facility for the Maniken model series.
Zahourek created Anatomy in Clay® Centers, Inc. so that other teachers he trained could help share his innovation with a wider audience. A teaching facility was leased for five years in Boulder and beginning in 2012 has a permanent home of its own in Denver. The new Anatomy in Clay® Centers, Denver, is a non-profit organization offering workshops for students of all ages, all levels of preparedness, and all purposes.
In 2012, the Anatomy In Clay® Centers (also operating as the Formative Haptics™Center) was founded by Jon and his wife Renee as a nonprofit organization, operating as a 501(c)(3) public charity. The Center was created to promote and conduct anatomy education using an innovative method of instruction. Our goal is to empower self-discovery in each of us by forming anatomy with our own hands.
"Thank you very much for spending so much time and effort with our students. I have tested both the 6th and 7th graders since your workshop and I have never seen so many 'A's on a science test. It really worked." - Marianne Aiken, Science Teacher
St. Joseph's Catholic School, Fort Collins, Colorado
"I never really grasped anatomy until I started building it from the inside out. I saw students' scores increase by a whole letter grade when I started using the Anatomy in Clay® System. I have the highest average score on my muscle tests that I have ever had. The students really get into it. A former student of mine who is now in medical school called to tell me that she aced her first gross anatomy exam. She attributed her success to having first learned anatomy on the Maniken® model. I would never teach without it again. It has breathed new life into my teaching career." - Jacque Homan, PhD., Biology, South Plains College, Levelland, TX
"I was searching for a methodology that would approach the teaching of anatomy from a different perspective, one that encouraged independence, student-centered instruction, and engaged all types of learners, a method that deviated from the memorization and lecture style currently employed by most anatomy and physiology instruction both atthe high school and college levels. To my delight I found what I was seeking … I have watched the Anatomy in Clay® system transform our program … I would recommend this system to any teacher looking for away to reinvigorate the curriculum and fully engage the students." - Teri Fleming, Science Instructor, Biology and Anatomy (retired)
6-time winner Teacher of Year Award (nominated 12 times more)
Alief Independent School District, Houston, Texas
-Teri Fleming, Science Instructor, Biology and Anatomy (retired)
6-time winner Teacher of Year Award (nominated 12 times more)
Alief Independent School District, Houston, Texas


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February 10, 2011, Allen became the all-time NBA leader in total 3-point field
goals made (2,562), surpassing Reggie Miller's record of 2,560. The 35 year-old
shooting guard finished the game with 20
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HazMat Incident (Frisco)
Quint 6, Rescue 1, HazMat 1, and others are on scene of an unknown substance, possibly hazardous, leaking on FM 423. FM 423 is closed in all directions near Rockhill Parkway while units investigate the situation. Its best to avoid the area at this time.
Update – Situation is now under control. Substance has been neutralized and cleaned up. Units are clearing. Roadways are being opened


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Chinese manufacturer Byton is presenting its first vehicle, the fully electric M-Byte SUV, at the Frankfurt Motor Show through September 22, 2019.
Byton is a Chinese company with big ambitions. It made its debut by showing its first concept car at CES in Las Vegas in 2018. Since then, the company has not ceased to update the public on its savoir-faire and technological innovations.
As such, the new SUV's interior offers passengers and driver an extremely impressive dashboard: a gigantic 48-inch curved screen never before seen in a car. It offers three content zones that users interface with via an 7-inch tablet centered on the wheel for the driver, and an 8-inch tablet for passengers. Byton has thought of the details, including an anti-shatter coating on its giant screen in order to minimize the risk of injuries in the event of a collision.
The entry-level M-Byte will carry a 200 kW (equivalent of 272 hp) electric block and a 72 kWh battery offering an autonomy of about 360 km. The company is also offering a 300kW (408 hp) four-wheel-drive model with a 95 kWh battery which offers an autonomy of 435 km.
The company aims to first market the vehicle in China by mid-2020 before beginning worldwide export, with Europe and North America expected for 2021. The entry-level price is expected to be around 45,000 euros before taxes.
- To see the M-Byte's presentation in Frankfurt: youtu.be/qBCMHICwXts


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What are the processes used to make CBD?
All plants have many different materials in them. You know that vegetables have vitamins and minerals and many other healthy items. You know that vegetable oil, corn oil, and other plant oils are in the baking aisle in the store. In the same way, CBD oil comes from hemp plants. But how?
In most cases, the plant is diced up (sometimes ground up) and placed into a liquid. The liquid absorbs the different materials out of the plant materials. Next, the plant materials are filtered out and away from the liquid leaving you the plant extract. The key is that different things are absorbed from the plant material by different liquids. What comes out from plain water is different than what comes out from salt water. What is extracted using ethanol (the alcohol we drink) is different from isopropyl alcohol (rubbing alcohol) and so on. So, a key to the process is the kind of solvent used during the extraction.
Just like when cooking meat, temperature, and pressure also impact the extraction. Some things survive higher temperatures, and some do not. Cooking with a pressure cooker is different than cooking with boiling water. So, temperature and pressure also impact what exactly is removed from the plant materials.
Fab CBD Chews 750mg
Reef CBD Tinctures
Verified CBD Pain Relief Spray 8ml
Some older methods used different solvents and some of those are considered hazardous to one degree or another. For this reason, most products now include "residual solvent" testing, or a statement attesting to not using a hazardous solvent in the process. This comes from the pharmaceutical industry and is intended to show that there's no solvents left over in the product, which means the product is safe to consume.
Higher temperature processes (like the normal ethanol process) convert or lose some various cannabinoids that are present prior to processing. For example, there is CBD and its acidic cousin known as CBDa (CBD acid). Many of the other cannabinoids have acidic varieties as well. Processing at higher temperatures generally converts all of the acidic varieties into their parent (CBDa becomes CBD) through a process known as decarboxylation. If they aren't converted, then they are destroyed. Some claim that there is an advantage to not having the acidic varieties. If you are in this camp, then you want to seek out manufacturers utilizing an ethanol process.
The argument to the contrary is that having the acidic varieties are important, particularly to take advantage of the full entourage effect. So, if you are in the market for a full-spectrum product that contains not only the parent, but also the acidic variety, you probably want to look at products that are made using the CO2 process.
As you can see, when there are over 100 different cannabinoids, terpenes, vitamins, minerals, and fatty acids, the exact process used determines exactly what ends up in the final product. One CO2 process can be different (temperatures, pressures, concentrations and so on) from another and the exact content of any one item between the two is different and even more different if it came from a high-temperature process. This is why not all products impact you the same even though on the surface they may seem the same.
What is the difference if it comes from hemp vs. cannabis plant?
The primary difference here is that the cannabis plant is bread to contain THC. THC is the material that "gets you high". The general rule of thumb is the more there is, the higher you feel. However, the federal government considers THC to be a controlled drug. This means that you cannot purchase it – period.
By federal law, CBD products must contain less than 0.3% THC in order to be sold. For this reason, manufacturers of CBD products normally purchase hemp plants that have been bred to be low in THC. Medical Marijuana companies seeking to produce THC containing products will start with a cannabis plant bread to have high THC content. Both will test it for THC and likely tout the content in their sales literature (low is good for CBD and high is good for medicinal products).
What are the different types of products?
Typically, there are three types of products made: full spectrum, isolates, and Simpson Oils (aka Rick Simpson Oil or RSO). These are differentiated by purity. Simpson oils are the "dirtiest" in that they are very concentrated and are the closest thing to the plant.
They contain more of the whole variety of chemicals (including THC) that the plant has to offer. They also are the most difficult to administer and handle. These are typically sold in syringes because there's no easy way to package and dispense them.
Fab CBD Chews 750mg
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Isolates are Simpson oils that are purified.
If there are 100 chemicals in a Simpson oil, then an isolate takes a "cut" (say 10 related items) or purified single item. As a comparison, a full spectrum CBD oil normally has many cannabinoids and dozens of terpenes and other items, as opposed to pure CDB, isolate that has only CBD. If you are looking for an entourage effect, then you are not looking for an isolate (unless you are taking the isolate with other things and are looking to "bump" the effect of that single isolate).
Whole Plant vs. CBD
Some manufacturers also differentiate from whole plant products and CBD oils. Both use the whole plant as starting material. Whole plant isolates use a process to maximize all the chemicals at the end. CBD oil products don't do anything to remove non-CBD things, but the process is built to maximize the CBD content in the end. Again, if you are going for entourage effect, you might want to consider a full plant extract first.
Terpenes vs. Non-Terpenes
There is one other variation offered in the market. In this case, isolates are added back to a CBD oil to enhance a specific outcome. For example, terpenes known to cause drowsiness would be added to a product intended to aid sleep, or terpenes known to minimize pain would be added to a CBD oil to create a product that is intended to address pain relief.
Non-terpene products would tend to be isolates that have removed everything else (including terpenes). As explained above, a pure CBD isolate would contain only CBD and have no terpenes. Some companies are starting to offer purified terpenes as some research is showing that terpenes can react with receptors and cause or modulate the effects (enhance sleep or decrease pain as an example).
Why are different oils listed in the products?
At the end of the extraction or after further isolation, the plant "oil" is either a tar-ry mess, or very paste-like. The manufacturer must decide how to get that product into a bottle or pill or whatever you want to buy in a way that works for the customer. There's a lot to consider here. The manufacturer must consider the thickness of the product (or how it flows). They also need to consider health impact of the oils used and how this choice relates to their core values. Finally, there is a consideration of the taste.
There are several choices that are often made by the various manufacturers. Some use hemp oil. Some use MTC (usually a coconut oil variant), and others use grape seed oil. In reality, any "healthy oil" that can be consumed is an option.
Manufacturers who are trying to adhere to core values related to "natural" products often dilute their CBD oils in hemp oil. This is obviously a healthy choice in that it contains all the parts of the plant used to make the oil, so there won't be anything other than hemp plant items in it. These often are not the best tasting ones however!
Other manufacturers seek to enhance the flavor, and some argue health of their products by utilizing other "healthy" oils. MCT oil is one that is often chosen. MCT is medium chain triglycerides or medium chain fatty acids. These can come from many sources, but more often than not it comes from coconuts. It is a subset of coconut oil, and one difference is that it is liquid at room temp (as opposed to whole coconut oil which is solid at room temp).
The argument for using this to dilute the CBD is that MCT is very healthy and enhances the health effects of CBD.
Another option often used is grapeseed oil. This also is considered as a healthy alternative. This oil is high in polyunsaturated fatty acids (PUFAs), especially omega-6. According to the American Heart Association, PUFAs can help reduce cholesterol levels and heart disease. For this reason, some manufacturers utilize this oil to dilute their CBD.
Some manufacturers are choosing other "healthy" oils, such as olive oil, canola oil, flaxseed oil, sesame oil, and even walnut oil. In addition to health, manufacturers are looking at how the diluent oil impacts the product performance in terms of putting it into packages and customer experiences using it, particularly in tincture products.
Can we do something about the flavor please?
Probably the last consideration for a product, especially a tincture that people typically hold under their tongue for 30-60 seconds to enhance absorption into the blood, is taste. Some call CBD oil "skunk oil" because it does have that unique smell. And, it tastes that way too. In order to address this, some manufacturers add flavoring and sweeteners.
In order to stay with the "natural" theme, some people utilize natural flavors. Often, these end up being terpenes, such as limonene (lemon flavor), that occur in hemp plants. However, any "natural" flavor is an option with some choosing a variety of mint for example.
Others choose synthetic flavors. This allows people to utilize more exotic flavors such as passion fruit or grape. Synthetic flavors are used in a variety of products and are totally safe for human consumption.
As for sweetness, manufacturers have settled on two basics options, again trying to keep to the "natural" theme. Some have used agave syrup. There tends to be two options here. In one case, the manufacturer does not use an oil to dilute the CBD, but rather uses agave syrup. This allows for a much sweeter taste. In the other option, they add agave syrup to the diluted product just to give it a little sweet taste. With the same goal, some utilize stevia as the sweetener added to take the bite out of the oil.
Final Thoughts
We've seen that choosing a product can be as complicated as the various options offered. Are you looking for a specific isolate, or full plant extract? Do you want flavoring, or do you prefer capsules? At least having read this you know what to look for as you read the product descriptions to decide what to buy!
- //www.simpson-oil.com/
- //www.heart.org/en/healthy-living/healthy-eating/eat-smart/fats/polyunsaturated-fats
- https://popularcbdbrands.com/cbd-oil/
Tim McComsey
Latest posts by Tim McComsey (see all)
- Can you Dab CBD? The Answers May Surprise You - May 19, 2020
- CBD Cannabis Oil and Its Health Benefits - April 14, 2020
- bioMD Plus – CBD Review - March 11, 2020


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Christmas morning joy:
|Patrick in his new Tebow jersey, Bennett in his new Shonn Greene jersey
|Reagan with her new art set
|Patrick trying out the new drum throne (stool)
|Bennett's turn. A drummer's gotta have proper seating! Much better than the folding chair they did use!
|Grandkids and Great-Grandkids at my folks, ready to tear into the presents!
|Snow Princess, Reagan – Now we just need some snow!
|Our 4 month old Great-Niece, Aleya – That football is almost as big as she is!
|Great-Nephew Henry is always ready to ham it up for the camera!
|My mom in her new cozy, plush robe


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I usually don't go to the salon for minor hair color changes and touch ups. I found it easier (and cheaper!) to do it at home using drug store hair dyes.
With Revlon 3D Color Gel Technology, ColorSilk Beautiful Color permanent hair dye delivers natural-looking, multi-tonal color from root to tip. The ammonia-free formula is infused with nourishing silk proteins and leaves your hair soft, silky, and in better condition than before you colored. Revlon ColorSilk Beautiful Color not only boosts color, but adds definition and dimensionality for hair that looks naturally radiant.
Available in 41 different shades, there's a perfect Revlon ColorSilk Beautiful Color shade for you. No matter which hair color you choose, find long-lasting, high-definition color and shine in every box.
1. Mix the colorant and cream color developer and shake well.
2. Before application of the hair dye, smear petroleum jelly (Vaseline) onto your hairline; including the nape of your neck, behind your ears etc to prevent staining.
3. Part your hair into 4 sections. Apply the hair dye evenly starting from the lower sections, working from the root to its ends. For touch ups, only apply the dye on your roots. Use either with a coloring brush or a comb with large gaps between its teeth.
5. After the waiting period, rinse hair with warm water until the water runs clear.
6. Apply the nourishing conditioner and leave it on for 2 minutes before rinsing with warm water.
Revlon ColorSilk is pretty cheap for the price I bought it with. I got it for P295.00. It was on sale though. The regular price is P395.00.
I noticed that Revlon ColorSilk did not have the chemical smell that most home hair dyes are associated with. It smelled so good and did not irritate my sensitive nose.
I love how the dye itself really is multi-dimensional. You can see multiple tones in it. This made it blend better with my current hair color, producing a more natural looking result. The consistency also made it easier to apply and I did not have any trouble with regards to the application.
The CONDITIONER! How can I describe it? Well, they should sell it on it's own! My hair felt so soft, smooth and shiny after using it. I also love how it smelled like a bouquet of flowers. My hair, however, felt as dry as ever, if not drier, days after coloring.
|Before coloring
|After coloring using Revlon ColorSilk in Dark Ash Blonde
|After Coloring using Revlon ColorSilk in Dark Ash Blonde
My sister kept telling me to develop the roots first, I didn't listen. Oh well. The result? Still visible roots which are not the same color as the rest of my hair. Overall, I liked how the color turned out, except for my roots though which is definitely 100% on me.
I liked my first experience using Revlon ColorSilk and will consider using one again for future color sessions.
Have you tried this hair color brand before? Do you usually color your hair at home or have it done at the salon?
Note: This post is not sponsored in any way.


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Discover the main reasons why biannual dental visits are important to your health.
We know that our patients' lives get hectic and while it can be easy to forget things here and there it's still important that you make time to visit your Saginaw dentist Dr. Gregory Herzler. Your health depends on these visits. Find out why you should be coming into the office twice a year and the benefits you gain from these biannual trips.
A Clean Smile
This is the most obvious benefit but it still bears repeating that having a clean smile is one of the most important parts of keeping up with your routine visits. Even if you are a stellar brusher at home you still need professional cleanings. Why? Because humans aren't perfect and we sometimes miss spots. Leave it to the dental experts in Saginaw to remove plaque and tartar from those hard-to-reach areas to prevent gum disease or decay from upping your dental bill.
Protect Your General Health
A serious benefit to your routine dental visits is what it can do to preserve your overall health. While gum disease can certainly wreak havoc on your gums, teeth and bones it also can increase your chances of diabetes, heart disease, and stroke.
While research is still being conducted to discover the exact link between gum disease and these other systemic conditions, some experts believe that inflammation is to blame. By getting your teeth cleaned by your Saginaw dentist you are doing good things not only for your mouth but for the rest of your body, too! With heart disease and diabetes being the leading causes of death it's now more important than ever to keep up with those routine dental cleanings.
Is it time to schedule your six-month exam? Don't put it off! Call your Saginaw dentist today and make sure your smile stays its healthiest.


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Flirting is not a herculean task if initiated with care. Are you ready to flirt with your love? Are you shy or bold types to face him? Try one of these flirting tips to grab his attention.
To show that you care and wish to gain attention from the boy you like, create a streak by sending him one photo every day provided he does the same. This way, he gets an impression that you are interested in him and might take a step forward to engage with you. Better start going before it's too late. Luck favors the bold!
You could do an ice breaking session with your guy by just asking him a cliché question of the world 'Want one?' It will send a signal to his brain tank that you seem to be interested in talking to him.
Want to have a carefree flirty conversation with him? Just go with one rule that can help you to gain his attention, 'Compliment, Compliment, and Compliment.' Also, thank him for his sweet gestures whenever possible. Guys love the idea when women notice something nice about them.
It is said that a way to a man's heart is through his stomach and his mesmerizing eyes. Stare into his eyes whenever possible to make them feel special and loved. You could simply show him your excitement and contentment to be with him.
A harmless flirting and a beautiful body language can do wonders if done in the right manner. Apart from smiling and eye contacts, a girl should adopt feminine actions by trying to flip her hair often to catch his attention towards your beautiful locks. You could also try playing with your neck pieces for him to look at your neckline.


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Notwithstanding anything contained in any other law, the copyright in an Indian Standard or any other publication of the Bureau of Indian Standards (BIS) shall vest in the BIS.
However, the extracts from Indian Standards can be reproduced with due permission from BIS. Please click here to view the request form for reproducing extracts from Indian Standards
For further details, please contact the following:
Publication Department
Bureau of Indian Standards
9, Bahadur Shah Zafar Marg
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Phone : (011)23237995
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text: A New Guinea cream braided Rope necklace, decorated with two bands of pink curled Shells, and a bottom border of twenty-one cream rectangular Shells with curved edges, and natural patterned lines of brown spots. The inner diameter of the necklace is 5.4 inches, and the outer diameter is 14.1 inches. The necklace is finished with a cream braided Rope loop, and a small Cowrie Shell toggle.


text: The Sound of Space [KX] Part 2 Project 2014 Enoch Kolo Nottingham Trent University Nottingham UK The Sound of Space [KX] is an architectural project situated in one of the largest regeneration sites in Europe; Kings Cross, that explores the relationship and translation between music and architecture. The idea being 'reforming the old, into the new', using heritage-led regeneration schemes as a case study to see how the 'old' acts as a catalyst in order to give people a sense of belonging. The English Heritage is trying to get rid of the common misconception that heritage assets must be preserved effectively as they are. The aim is managing change rather than the preservation of the assets. This approach will allow an asset to change and adapt to new uses and circumstances in a way that keeps its heritage value intact. This applies to both music and architecture where our collective past, supports the future.Exploration of architecture, music and their link to one another is based on the essential modules of each discipline, which creates the structure of both. The modules of these disciplines are closely related and interchangeable; rhythm, proportion, harmony, dynamics, texture, scale and frequency. The project explores an innovative approach in the likes of Iannis Xenakis, where recorded sounds from the site and its surroundings were used to create a new Dubstep piece which was then fed into an Xpresso script that generated different forms that were analyzed, taking inspiration from the analogy that music is sound and silence while architecture is solid and void. This then creates a creative language built from the exploration of the fundamental modules that make up music and architecture, to create hybrid spaces in the lines of music performance, teaching, study and flexible recording spaces for emerging artists. The design aims to reflect the environment of Kings cross and while achieving a solution that is expressed through architectural form, it not only establishes a connection between people and the space they inhabit but also contributes to strengthening people's attachment to place. Enoch Kolo Tutor(s)


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A young woman discovers ultra sexy brunette in the toilet a Glory Hole. It will immediately grab whoever exceeds the holes to do good with. She is especially adept at big, hard and very thick penises that ejaculate profusely. It will be served today because sex that exceeds the hole and a marvel in terms of stamina and ejaculatory abundance. Our young slut gets it off and to be sprayed her pretty small tits. I particularly appreciated her pretty little breasts that all small nipples that we would have liked to take his fingers or mouth. If you are followers of abundant ejaculation and glory hole videos, you will surely love it where you will see a pretty brunette get banged and to be sprayed.
Young woman gets off with a glory hole
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Date: March 21, 2020
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One of My Best Fishing Tournaments
By Joe Grafeman
I have had many days of fishing in high school tournaments that stand out in my mind.
One that I specifically remember was a tournament that I fished during the fall at Table Rock Lake. The fish were really feeding as the water started to cool down.
When we went to our first spot and threw a jig and caught a 3-pound smallmouth and a 3-pound largemouth off the same bank. We were off to a good start. It wasn't even 8:30 yet and we had two solid fish in the livewell.
We later changed locations and struggled. We could not get a bite but we knew that it would happen if we just kept fishing.
We moved locations and kept moving until we got around the fish. It was now 11:30 and we had two fish. We kept our heads in it and kept fishing. It was now 2:30 and we still had two fish in the livewell.
During practice we found an offshore brush pile near a bridge. With 30 minutes left we had to make something big happen. When we pulled up to this spot everything seemed just right. We started on the bridge piling and I caught a keeper on a drop shot. We then started to throw a jig on the bank. I set the hook and caught about a 3-pounder. We were very excited we had about 10 minutes left and we had four fish. We kept fishing every second… and then BOOM my partner sets the hook at 2:57. He fights the fish in and it was a 4-pound smallmouth. With no time left we threw the fish in the livewell and headed full blast to weigh in. He caught that fish on a Livingston Lures crankbait. It was feeding on crawfish and the EBS Technology enticed it to bite.
We were both full of anticipation. We grabbed our bag and walked our fish to the scales. All of a sudden the tournament director screamed "NEW LEADER!"
We ended up winning this event. Throughout my years of fishing I have learned many different things. This day on the water made me realize to fish until there is no time left because a win is only one cast away!


text: was born in Brunswick and lives in Berlin and El Gouna, he teaches and researches in the field of urban water management at the University branch of the TU Berlin in Egypt. Together with over 50 volunteers from all over the world he built our floating stage, a catamaran named the Esperantos. During our journey he will be in charge for the measurement of the water quality.


text: Send The Best Get-Well Flowers Easily To Show You Care Sending flowers to a loved one in the hospital is a wonderful way to show how much you care. You brighten their spirit and encourage them to heal with cheerful, colorful blooms. Plus, flowers are known to lift spirits and make people feel happier longer. You want to send the very best, and the designers at Breen's Florist want to help you. Read More about Send The Best Get-Well Flowers Easily To Show You Care » Posted by Breens Florist on September 20, 2019 | Last Updated: September 24, 2019 Floral Design Flowers Get Well Soon Gifts


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August 26, 2019
It's all too easy to get caught up in the day-to-day grind of running a freelance writing business. You're answering clients' questions via email, pitching ideas out to existing clients, emailing pitches and letters of introduction to potential clients, and trying to keep up with social media, oh yea, and track down that payment that's three months late. It's certainly enough to keep you busy, but, those tedious tasks will wear on you and eventually interfere with your motivation.
(Want more freelance-writing tips to help you run your business? Get my e-Book for 125-plus tips for freelance writers.)
Finding the motivation to stick with freelancing is one of the most common topics my freelance coaching clients bring up. I totally get it. Whether your motivation is waning because you aren't hearing back from editors on your pitches, or, because you're extremely overworked but don't feel like you're making enough money that you can sustain yourself, it's easy to get caught in this trap.
That's why I ask clients about their goals when they say they're struggling with motivation.
If you don't have short-term and long-term goals for your freelance career and revisit them occasionally, you'll find yourself in December exhausted from running on the hamster wheel. Maybe you'll even feel disappointed because you didn't reach the goals you set at the beginning of the year. (Here's how to set goals if you haven't already.)
Here are some ways freelancers can look at their short-term and long-term business goals so they can find meaningful work that pays well and ensure they have a target they're aiming towards. To quote the wise words of the late Zig Ziglar, "If you aim at nothing, you will hit it every time."
How Freelancers Can Set Goals They'll Actually Hit
Work backward from a few years out.
Do you have an idea of where you want to be with freelancing in five years? The gig economy is expanding quickly and if you want to be working for yourself, from home, you need to think about what that requires. Do you want to make six figures freelancing by 2020? Have you thought about the skills you'll need to get there? If you plan to leave your full-time job (with health benefits and a retirement plan) to work for yourself, you'll need to set a salary goal that's about 25% higher than you're making right now in order to make about the same money working for yourself. Here are six money decisions I encourage you to think about before going full-time freelance.
Decide how much you want to earn freelance writing this year.
You probably already have a general number in your head, but do you do a monthly check in to see how that's going? As we're nearly one-quarter through the year, have you revisited your income goal to see if you're on track? I use a Google spreadsheet to track my assignments I'm working on (and how much they'll bring in), as well as how much I'm waiting to be paid (in another sheet). With a goal to continue earning six figures as a freelancer, I feel most comfortable when those two sheets add up to close to $20,000. That's usually for assignments I'm working on for the next two to three months, and assignments I'm waiting to be paid for that I turned in within the past month or two.
Set goals that have nothing to do with income.
One of the beautiful things about freelance writing is that you can work for a variety of clients and outlets and write about topics that mean something to you. One of your goals for the year might be to get a personal essay published. (Mine was! Here's one about my adopted pup, Jackson.) Another good freelance writing goal is to break into a new niche. I've been writing about health for a long time but I'm looking to write more about pet health, personal finance, and skin care. (I addressed two of those niches in that essay!) Look for ways you can start building up clips for a new niche with topics you're already covering. Here are some tips on how to add multiple niches to your freelance writing career.
Consider setting a goal associated with time.
There are a number of ways to think about this freelance goal. It could be a long-term goal to take three weeks of vacation from your full-time freelance writing career in 2020. Another goal could be to work fewer hours per week. (How many hours do freelancers work per week?) Maybe your goal is to track how much time you spend writing each article. If you feel that you're not prioritizing freelancing as a side hustle, your short-term goal might be to work on it for 7 to 10 hours a week this month, and then 15 hours a week by the next season. A good short-term freelance goal could be to write faster so you can earn a higher hourly rate.
Get granular about your hourly rate.
When I addressed how many hours freelancer each week in that blog linked above and say that I aim for 30, those are the billable hours I'm working where I'm earning money for my time. I aim for at least $75 an hour freelancing on the low end and about 30 hours a week. That would average $2,250 of business weekly, times four weeks a month, times 12 a year, for an annual income of $117,000 gross if I didn't take any time off and always hit that hourly rate for 30 hours a week. Oftentimes, my hourly rate is higher than that.
I'm not sharing these average hourly rate details to brag or to make you feel bad if you're not there yet (I have over 15 years of writing experience that got me here), but this is to show you that if you want to earn a salary of $50,000 gross freelance writing, and you're consistently working on assignments that pay $25 and they take you three hours to complete, it's going to take a lot of work to get you to your goal. That's why goal setting is important for freelancers. It helps you look at what you're doing now and determining if it's in line with where you want to be in the future. If you aren't where you want to be with your freelance writing rates or the types of clients you're working with, start working on finding higher-paying assignments that will get you to your goals. Learn about how to make more money writing.
Need more freelance pitching advice or one-on-one help with setting your freelance goals and creating the path to achieving them? Check out my freelance coaching services at the bottom of this page.
Tags: article writing advice, content strategy, freelance course, freelance mistakes, freelance rates, freelancer, freelancing, making six figures freelancing, productivity, six figure freelancing, six figure income, stress, time management, writing tips
Diana can help with:
Email Diana about opportunities: Diana(at)DianaKelly.com.


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Lower Dixwell Tour
N. & B. Sosensky's Hardware
246 Dixwell Avenue
Exterior of N. & B. Sosensky's, 1940s. Courtesy Sosensky Family.
In the 1960s the Dixwell Avenue Congregational Church sponsored the creation of the City's first mixed-income cooperative housing. This 129 unit complex, which includes 43 three-bedroom and 16 four-bedroom townhouses was created as a multi-racial community to serve families. It was designed by architect John Johanson.
The complex was named for Florence Virtue as a tribute to her many good works for the residents in the Dixwell Neighborhood. Florence Sinclair Virtue was born in Manderville, Jamaica WI. She moved to the U.S. in 1917 and initially worked in Montclair, N.J. as a nurse-maid. She met and married William Lopez Virtue, also from Jamaica. After several visits to friends in New Haven they decided to relocate here from New York. They became lifelong members of Dixwell Avenue Congregational Church where Mrs. Virtue pursued a life-long lay ministry caring for the hospitalized, the seriously ill and the bed-ridden. She was known by hundreds of people who benefited from her selfless service. A Deacon for more than 50 years, she was honored by her church as their "Mother of the Century." In addition she received the Sojourner Truth Meritorious Service Award in 1964 and the Charles E. Fletcher Civic Service Award in 1980.
- Text source courtesy Sosensky Family.
More About This Site


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Latest News
7/5 Win Inter-form Table TennisPosted on: 09/02/2018
Congratulations to 7/5 who won the Year 7 Inter-form Table Tennis Tournament.
They are, Blair, Bryant, Fahad and Hichame.
Well Done!
- All Years
- 2020
- 2019
- 2018
- 2017
- 2016
- July 14, 2020 Year 10 students representing @WillowfieldSch student voice at the @wfcouncil Transport consultation Eloquence, passion and common sense were presented admirably by these students 🌟👍😷 Read more
- July 13, 2020 Read more Finally putting together all of the lockdown artwork in a digital Sketchbook. Well done Jess🌟😷🥇
- July 12, 2020 The Royal Academy summer exhibition has opened online today! This link takes you to Jack Lubel's work "Grandma Hazel": Read more Show your support for Jack by voting for his work in the people's choice award🌟👍😷
- July 10, 2020 Jess, Oliver and Zayn (again??) were this week"s lucky winners of the in school REWARD RAFFLE
- July 10, 2020 Hanzo, Leon, Rania, Lila, Xing-You, Rehman, Kamran and Frankie doing some pet mind reading for their Drama pet monologues🌟👍🥇 Read more
- July 10, 2020 Ever wondered what pets have been thinking during lockdown?Drama home learning pet Monologues by students Bedan, Abonash, Frankie and Emma🌟👍😷🐶🐹 Read more
- July 9, 2020 Read more


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- Shows
- Womenswear
Givenchy Releases Their AW18 Campaign
Clare Waight Keller has gone to the dark side. We knew she was feeling a little evil back in Paris for Givenchy's Autumn Winter 2018 show, Night Noir. In all it's Stranger Things-esque style, the show was a fast paced thriller. Photographed by Steven Meisel AW18 campaign is straight into the deep, dark depths of a night in Givenchy – bound to be wickedly good. Apparently the Givenchy gang is headed to a secret party, one which you need the right #lewk for to get into. Down into the underground, but keeping it classy, chic. They throw their hands in the air, dancing to what we assume was probably a Philip Glass piece remixed with a heavy thumping bass. Partay. Metallic dresses flash, sequins glitter in all that glamour and fringes are swaying. The boys are in their neck-high zipped knits and suit jackets. Lurveeee and a whole lot of lust is in the air. It's the kind of night that lasts forever but suddenly it's over, it was all a dream. There's something so good about partying in Givenchy.


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The Benefits Department is committed to providing quality professional service. We are dedicated to assisting employees in understanding and maximizing their benefits.
Competitive compensation combined with excellent health care and retirement benefits make Grossmont Cuyamaca Community College District one of the most desirable places to work in San Diego County.
We offer benefits to eligible employees.
The Benefits Eligibility Grid illustrates employee types eligible for benefits.
When Do Benefits Start?
Employees in Group A: First of the month after hire OR on date of hire if hire date is the first
Employees in Group B: Contact Human Resources
What is the Employee Contribution?
Employees in Group A: No charge for medical, dental, vision for employees and enrolled dependents
Employees in Group B: Contact Human Resources
No duplication of coverage for medical, dental and vision plans
Eligible employees and retirees may only be covered in a GCCCD plan type (medical, dental, vision) in one instance. If an employee or retiree can be claimed as an eligible dependent for a relative that is also an employee or retiree of GCCCD, they cannot be enrolled under their own plan and at the same time as that of their relative.
Dependent children may only be covered in a GCCCD plan type (medical, dental, vision) in one instance. If both parents are also employees or retirees of GCCCD, they must decide which parent will cover the dependent child(ren). The child(ren) cannot be covered simultaneously under the plan of each parent.
Example 1: Anna and Bob are married and both work for GCCCD. Anna wishes to enroll Bob under her plan. Bob wishes to enroll Anna under his plan. This is an example of duplication of coverage which is not allowed.
They are allowed only ONE of these choices: a) Anna enrolls Bob under her plan b) Bob enrolls Anna under his plan c) Anna enrolls separately and does not add Bob; Bob enrolls separately and does not add Anna
Example 2: Charlie is the son of Anna and Bob. With both Anna and Bob working for the district, they had to make a choice on which parent would enroll Charlie. They decided to cover Charlie under Anna's plan as an eligible dependent child.
Charlie now becomes a recent hire at GCCCD and is eligible to enroll under his own plan. He can elect to stay under Anna's plan and not enroll under his own plan (provided that he is still an eligible dependent child). Or he must be terminated from Anna's plan and enroll under his own plan. He will not be allowed to remain under Anna's plan and also be enrolled under his own plan.
Waiving Medical Coverage
Effective January 1, 2019, employees can opt-out of enrolling in a medical plan. Proof of other medical enrollment must be provided to qualify for this waiver. Complete the waiver form found here. Contact the Benefits Technician for next steps.
Opt-outs are available during open enrollment or within 31 days of enrollment in a qualified external medical plan.
You may enroll an eligible dependent on your medical, dental and vision plans. Please review the Dependent Eligibility List of Acceptable Documents at the link below. You will be required to submit this proof as part of the enrollment process.
An eligible dependent child may stay enrolled on your plan through the month that they turn 26 years of age.
Dependent Eligibility List of Acceptable Documents
The choices you make when you first become eligible remain in effect for the remainder of the year. Once you are enrolled, you must wait until the next open enrollment period to change your benefits or add or remove coverage for dependents, unless you have a qualified change in family status as defined by the IRS. You have 31 days from the date of your qualifying life event to make changes to your benefits coverage. See documents below to view the qualified life events and to make the benefit changes in Workday:
|Qualified Life Event
Benefit Changes
|Qualified Life Event
Benefit Changes
|Qualified Life Event
Workday Guide
Note: Any change you make to your coverage must be consistent with the change in status.
Employees that are not eligible for District benefits can review the offering through the Health Insurance Marketplace through Covered California.
Health Insurance Marketplace Coverage Website
The Benefits Department offers employee benefits orientation to new employees as well as current employees who have just become eligible for benefits. The benefits orientation provides an overview of benefits eligibility, enrollment and important information related to GCCCD's health and welfare benefits.
Open to all benefit eligible employees


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If you see ghosts and goblins flying around town tonight, don't be alarmed. Demonic spirits haven't slipped out of Hell and stolen hipsters' fixies. Instead, it's just a special Halloween edition of Critical Mass.
That's right. The year's most frightening holiday happens to fall on the last Friday of the month, and Critical Mass organizers have encouraged cyclists to don costumes. There will also be a free party for the peloton in Wynwood.
Bikers be brave. Drivers beware. And vice versa.
Tonight's mass will leave from Government Center at 7:15 and head west through Little Havana. Cyclists will curl around Grapeland Heights before angling north through Allapattah and back east to Wynwood.
Here is a map of the ride, courtesy of the Miami Bike Scene:
The ride is 14 miles long and should last about an hour.
Cyclists are encouraged to wear costumes, but organizers also issued the following warning:
If your costume requires a mask or other face covering, you must be able to see clearly and breathe easily at all times. Make sure your costume will not get caught in the wheels, gears, or pedals. Be certain your costume is not a hazard to others. Safety first!
We Believe Local Journalism is Critical to the Life of a City
Engaging with our readers is essential to Miami New Times's mission. Make a financial contribution or sign up for a newsletter, and help us keep telling Miami's stories with no paywalls.
Support Our Journalism
As always, kids under 16 are required to wear helmets. All cyclists are asked to use lights, stick to the right lane, and stay with the peloton.
Please leave the drinking until after the ride. For that purpose, there will be a special Halloween Block Party in Wynwood complete with costume contest, DJs, food trucks, and a screening of The Rocky Horror Picture Show. See here for more details.
Send your tips to the author, or follow him on Twitter @MikeMillerMiami.
Follow Miami New Times on Facebook and Twitter @MiamiNewTimes.


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11 Oct 2018
Yesterday the Ecology team at Place Services volunteered on behalf of the Essex Bat Group to rescue a Common Pipistrelle bat which was stuck in Essex County Council's County Hall. The bat was successfully released that evening, in a nearby location, after a check-up for injuries.
If you ever discover an injured bat in Essex then please contact the Essex Bat Group and they will arrange for the bat to be collected and taken to a specialist bat carer. For other counties, please contact Bat Conservation Trust Helpline (0345-1300-228) directly.


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Gym memberships might cost a pretty penny, but they aren't the only way you can get in shape. There are plenty of ways to exercise on a budget.
Consumer Education Services, Inc. (CESI) is a non-profit service provider of comprehensive personal financial education and solutions for all life stages and for all of life's milestones. Our goal is enhanced economic security for everyone we serve.
CESI is NOT A LOAN COMPANY


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Price: $24.95
Quantity: 2 available
Book Condition: New
LEADING FROM THE SECOND CHAIR will raise awareness of the need for strong leaders in secondary positions. It will describe the value they can bring to their organization and to primary leaders when they are serving at their full potential. It will reshape the way they view their role, with an emphasis on their own responsibility as leaders. It recognizes the unique challenges and frustrations of serving in a subordinate position and equips these leaders with the attitudes and skills that they will need to survive and thrive in this new paradigm.
Because of the scarcity of resources for second chair leaders, particularly those in the church, this book will offer a practical way to improve the performance of any organization. Leading Congregational Change discussed the importance of a "vision community"--a diverse group of key members who discern and implement the vision for a congregation--to guide the transformation of a church. This work will extend the theme of an empowered leadership team as we explore how individual clergy and laity can lead effectively.
Title: Leading from the Second Chair: Serving Your Church, Fulfilling Your Role, and Realizing Your Dreams (Jossey-Bass Leadership Network Series)
Categories: Church Leadership,
Publisher: Jossey-Bass: September 2005
ISBN Number: 078797739X
ISBN Number 13: 9780787977399
Binding: Hardcover
Book Condition: New
Item: 8.80 Item
Seller ID: 26467


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When offering consultancy services abroad, we always collaborate closely with partners. In China, as an example, we work with authorities, private companies and investors in tailoring our services to specific needs.
This could be educating and training professionals for work in the eldercare sector, nursing homes and home care. Or offering joint courses and research projects in collaboration with academic partners.
As a university of applied sciences, this close cooperation with practice is a signature of the way we develop education in Denmark.
We offer short and longer-term educational modules for health and elderly caregivers employed around the world. The modules build on our state-of-the-art degree programmes.
We train staff for the health and elderly care industry – using Danish methods and international standards.
When training employees for the health and elderly care sector in countries such as China, VIA's Faculty of Health Sciences' wish is to help our partners develop high quality elderly care.
Our training modules are aimed at decision-makers, healthcare professionals and staff working in the elderly care sector. They all include content from our highly regarded bachelor degree programmes.
Content includes:
After participating in our training, employees and managers will have gained skills, such as:
VIA has collaborated with academic partners in China for more than 15 years. In 2011, we opened an office in Chengdu in the Sichuan province. The Faculty of Health Sciences has established an international team of employees, who are ready to carry out short- and long-term courses in China.
In cooperation with our partners, we offer training of staff for Chinese elderly care homes and community centres. We also offer contact and collaboration with Danish health and welfare technology companies as well as architects and municipalities.
Our goal is to become China's preferred Scandinavian partner for educating staff working in the elderly care sector.
If you are interested in our consultancy services, courses and knowhow, please do not hesitate to contact us.
Karen Søndergaard Kramp
Denmark-China business developer
E: email@example.com
Karen Frederiksen
Director of studies and international affairs
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Una Pagina su:orologio multifunzione La prossima Pagina:patek philippe 5712
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Ashok Leyland was the top gainer, up over 7 percent followed by Eicher Motors and Exide Industries which spiked over 6 percent each.
The Indian benchmark indices had a strong start to the September 23 session with heavy buying from both foreign, as well as, domestic investors. The recent wave of buying started on September 20 when Finance Minister Nirmala Sitharaman slashed corporate tax among other measures.
Benchmark indices the Nifty and Sensex were up 2 percent each in the morning session on Monday. Nifty50 jumped 253 points and was trading at 11,527 while the Sensex zoomed 818 points and was trading at 38,832 mark.
Among the sectoral indices, Nifty Auto spiked close to 3 percent and is of the many sectors which will benefit from the corporate tax cut. With the effective tax rate coming down from 34 percent to 25.17 percent, the Auto OEMS are likely to witness higher earnings benefit in FY20/21E. The biggest jump could be seen in Eicher Motors, Hero MotoCorp, Maruti Suzuki, Bajaj Auto and TVS Motor Company, said a report by Joindre Capital Services.
Auto component players like Bharat Forge, GNA Axles, Motherson Sumi Systems and Sundram Fasteners could be also benefit ahead. With the industry already witnessing a slowdown and production cuts, the OEMs may not deploy the excess cash into capex, although tax rate cut will not improve the demand sentiment immediately, but can improve the financial situation of a lot of middlemen in the complete chain of the Auto industry. This in the medium term will lead to improvement in business sentiment and consumer confidence.
Ashok Leyland was the top gainer, up over 7 percent followed by Eicher Motors and Exide Industries which spiked over 6 percent each. The other gainers included Maruti Suzuki, Bahart Forge, Bosch, Mahindra & Mahindra, Motherson Sumi Systems and MRF.
Finance Minister Nirmala Sitharaman made no mentions of any rate cuts for the auto sector except a GST cess on 10-13 seater passenger vehicles (PVs) that has been cut to 1-3 percent.
In an interview to CNBC-TV18, RC Bhargava, Chairman of Maruti Suzuki said that there is not much scope for price cuts from tax savings as auto companies are giving big discounts already. He said that tax cut will definitely bring huge investments in India while capex will not happen immediately but over time.
Overhang with respect to GST cut on auto is gone and expect sales to pick up in festive season along with better retail sales in September and October, he added.
Pawan Kumar Goenka, Managing Director at Mahindra & Mahindra said that FM's announcements make India competitive globally. He does not see any room for auto companies to pass significant incentives to customers.Capex and investment cycles should see an upswing post tax cuts, he added.
Source: Money Control


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Remember that insanely interesting Japanese 3D photobooth from earlier this month? Here's a bit of a look at what goes in to making those 3D miniatures, and it requires a bit more hands-on time than we originally thought. In addition to the 15 or so minutes it takes to scan each person, there's also touch ups that are required on the 3D model directly, and also once it's printed.
As reported by PetaPixel, once the people are scanned, additional information — especially color — has to be manually added. Then, once printing is complete, small errors and inconsistencies with the model have to be manually fixed. All this contributes to a total 1-2 month turnaround time.
However, that hasn't stopped the pop-up shop from being massively successful, and bookings are full for the entire time period the store will be running.
While this exact technology might not yet be available freely elsewhere, I'm willing to bet we won't be too far from it. Next year (in Europe anyway), Staples will start handling 3D printing jobs — making them the first major chain to offer such services.


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The luggage net offers easy fitting with one piece hooking units for you to easily load and unload your gear. The RLN2 is suitable with the Small or Medium Steel Mesh Baskets.
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Shouldn't "fun sized" candy bars be really big and the ones given out on Halloween you eat in one bite be named something less rosy?
It's a question just about every kid in the past 50 years has asked themselves on Oct. 31. But just when did these bite-sized Butterfingers and snack-sized Snickers become the norm?
Well, it seems the first shrunken versions of popular candy bars can be credited to the former Chicago-based Curtiss Candy Company. Now part of Nestlé thanks to a series of mergers and acquisitions, the company produced a "Buddie" size Baby Ruth bar in the early 1930s. "Junior" sized versions of their Baby Ruth and Butterfingers candy bars came along in the 1950s.
Hershey also got in on the game early when it began selling its sleek "Miniatures" candy bars in 1939.
Small candy bars had been well established by the time candy manufacturer Mars came along and started distributing miniature confections of its own in 1961.
Mars candy company specifically targeted Halloween candy consumers with their products and opted for the phrase "fun sized" in 1968. The first official "fun sized" candy bars called as such were Snickers and Milky Way. Sales were a smashing success, so competitors followed suit, releasing their own "fun sized" versions of candy bars.
Of course, Mars didn't like this much and after registering a trademark for the term "fun size," sued competitor Curtiss over the use of the term.
In the case Mars. Inc. v. Curtiss Candy Co. in 1972, defendants argued that Mars couldn't establish proprietary rights over the word "fun," and an appeals court found that the company could not claim people specifically associated the term with the Mars company.
Mars tried to battle it out a bit longer in the courts, but by the mid-1970s, the term "fun sized" was pretty much everywhere.
Today, "fun sized" candy bars reign supreme on Halloween, and with the childhood obesity epidemic, they're likely not going to be dethroned anytime soon.
But still, if you ask any kid in costume, of course they'll tell you it's definitely more "fun" when you find a house that flies in the face of "fun sized" and hands out full sized candy bars.
Also see: How to use leftover Halloween candy.
For ingredients and cooking supplies, everybodyshops.com.


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All Bar One Trafford Centre
Situated within easy reach of Urmston, Eccles and Old Trafford, All Bar One Trafford Centre is the perfect place to meet up with friends or unwind with work colleagues. Of all the bars in Manchester, this stylish venue has right mix of food, drink and atmosphere at any time of day.
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3D storage solutions offer an unrivalled and comprehensive range of storage products services and solutions. As well as lockers of all types, including mesh lockers and storage lockers, we can design, construct and install mezzanine flooring in your warehouse, supply fantastic shelving solutions in your premises, install perfect partitioning and pallet racking, and supply locker and cupboards which keep equipment securely stored and also ensure that the valuables of employees are always safe and secure.
Our locker range includes mesh lockers and so much more: a quick glance at our products will reveal their versatility, supreme security, quality of design, style and durability; we have definitely got a locker fit for every purpose and every type of organisational requirement. Our structural steel constructed mezzanine floors are an excellent method for the easy expansion of storage space within an existing space without any need for extensions and extra floor space. One tier or multi-tier mezzanine floors are fully mobile, demountable and effortlessly relocated, and thus offer a flexible solution to storage space which dramatically increases capacity. Whether you require extra storage space, office space, manufacturing areas or locker rooms, mezzanine flooring is an excellent option.
Our comprehensive service includes site surveys and a guarantee of safe and efficient installation as well as compliance with all building regulations and safety requirements. Furthermore, our premium partitioning solutions include single skin partitioning, double skin partitioning, mesh partitioning, suspended ceilings, office partitioning and mono-bloc partitioning, offering a peerless level of flexibility and versatility. For expert advice on all of our products and advisers, please contact us today, because we are delighted to offer storage locker solutions to every type of company, public body or educational facility.


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Red Current Cocktail
Cocktail and text by @thelivingroombar on Instagram
My parents have some redcurrant bushes on their backyard.
I always go their in the end of the summer to pick me a bagfull of them and store them in the freezer.
But the problem is that they never last a whole winter, i use them in many of my cocktails because the flavors never stops to suprise me in a
great way.
Here is a wonderful example how to use theese berries in a cocktail.
4cl To Gents Pinerum
3cl Ginger juice
3cl Lemon juice
2cl Sugar syrup
Fresh Red currant berries
Soda water
Start with muddle the red currant berries with ginger juice and the lemon juice in a shaker. Then add the pinerum and the syrup and shake with ice. Double strain the liquid into a glass filled with ice and top with soda water. Garnish with some red currant berries.


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TwinMesh for Reliable CFD Analysis of Screw Compressors and ExpandersCombining TwinMesh and ANSYS CFD offers engineers a unique, efficient and fast workflow for transient, three-dimensional computational fluid and thermal analysis (cfd) of Screw Compressors, Expanders and Superchargers.
Developers of Screw Machines Need to:
- Analyse the impact of changing operation requirements (e.g pressure difference, rotation speed, impact of external temperatures, etc.)
- Have a deep understanding of their machine dynamics
- Be able to answer specific customer demands (CoP, noise emission)
- Produce fast and reliable answers
Thanks to our novel software TwinMesh real virtual product development is now available for twin screw machines! TwinMesh and ANSYS CFD together allow for efficient and reliable CFD analysis of screw compressors and expanders.
No More Numerical Limits
Common limitations of CFD software packages for screw compressor or expander geometries such as limited physics, insufficient mesh resolution or numerical errors due to bad mesh quality or interpolation errors or overlapping mesh method are redundant for the TwinMesh approach.
Using structured grids from the TwinMesh software engineers of screw machines get access to the full capability of CFD modelling available in ANSYS CFD. The high quality meshes from TwinMesh result in reliable and stable CFD simulations at moderate model sizes and moderate calculation times for transient analysis. Even for multiphase simulation such as oil-injected or water-cooled screw compressors and expanders.
Reliable CFD Analysis of Screw Compressors and Expanders
And what can designers expect? CFD analysis results generated with TwinMesh and ANSYS CFD provide design engineers of oil-free (single-phase) and oil-injected (multi-phase) screw compressors and screw expanders with essential information such as:
- Velocity, pressure, and temperature fields within the working chambers, in axial and radial clearances, and in suction and discharge ports
- mass flow rates at different operation points
- Torques, moments, forces and machine efficiency (CoP)
- Leakage and losses
- Pulsation behaviour of the machine
- Mechanical wear, lubrication and cooling
- Duration and magnitude of acoustic sources (emission)
TwinMesh and ANSYS CFD together make a reliable, modern, and state-of-the-art engineering tool, which allows for fast, reliable and efficient analysis and optimization of oil-free and oil-injected screw machines.
Better Designs
Increase machine performance, efficiency, and durability by a better understanding of complex phenomena inside your machine.
Speed & Flexibility
Reduce your time-to-market and fasten your response time to changing demands significantly by massive use of virtual prototyping.
Drive Innovation
Drive real innovation by getting deeper insight into the details of your products and their interaction with connected systems.
Reduced Costs
Reduce development and manufacturing costs by massive use of virtual product development instead of time consuming measurements on physical prototypes.
CFD Results of Screw Compressor and Screw Expander Simulations
Animations of Screw Compressor Simulations
Flow in working chambers of a screw expander
Oil-injected screw compressor (multiphase)
Related blog entries
TwinMesh Webinar
Next free TwinMesh webinar on 17th of March 2020 at 2pm (CEST): find out more about how TwinMesh and ANSYS CFX allow for reliable 3D CFD analysis of rotary positive displacement machines such as screw compressors, lobe pumps, vane pumps, Wankel engines, gear pumps, progressive cavity pumps, or scroll expanders!
Great Success Stories from TwinMesh™ Users at CAE Conference
Watch here new and interesting TwinMesh™ success stories of happy users, held at the International TwinMesh™ Users Summit at the CAE Conference in Vicenza, Italy
International TwinMesh™ Users Summit 2019, October 28-29, Vicenza, Italy
The first International TwinMesh™ Users Summit will take place on 28th and 29th October 2019 at the TwinMesh™ exhibition booth of the International CAE Conference in Vicenza, Italy. Come and meet us and other TwinMesh™ users!


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"Bouncing Bowling Ball" is the second segment of the fourteenth episode of Season Two of JoJo's Circus. It first aired on July 4, 2005.
JoJo, Croaky and Skeebo have all advanced to the finals of the Circus Town Junior Bouncing Bowling Ball Tournament. This is bowling with a twist - six pins and a ball that bounces all the way down the lane. All three do very well in the tournament, leaving the final shot to JoJo. Things get crazier than anyone could've planned, however, when the ball slips out of JoJo's hand and straight out of the bowling alley.
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