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Before you enroll in a dental insurance plan, you should understand how this type of insurance works.
There are many plans to choose from, and you should choose one that helps you lower the costs of dental procedures.
Some dental policies are very specific about their terms, copays and the services that they cover.
You may also be able to purchase dental insurance in addition to your current medical plan or separately through a different insurance provider.
Understanding dental insurance is easier if you already are enrolled in a medical plan as they work in a similar way.
You can learn more about dental insurance, the different types available and the types of dental procedures it covers by reading the sections below.
About Waiting Periods for Service Coverage
Most dental insurance plans have waiting period policies. You have to wait for the waiting period to be over before you receive coverage for any dental procedure.
For basic procedures, the waiting period typically ranges from six to 12 months.
Moreover, the waiting period can be as longs as two years for more extensive work.
Waiting period policies are a way that insurance companies use to profit from new patients.
Therefore, you should apply for a dental plan that does not have waiting period policies if you need a procedure done in the near future.
Many plans offer coverage as soon as you enroll in them, and there are other ways that you can enroll in a dental insurance plan without having to wait for coverage.
You can consider the following alternatives:
- Insurance through employers: You may not have to wait for waiting periods to be over to receive coverage if you enroll in a dental plan through your employer. Dental insurance plans that patients acquire through their employers do not tend to have waiting terms for preventative procedures like oral exams, routine teeth cleaning and x-rays. These plans are also known as group plans.
- Preferred provider organizations (PPO): Preferred provider organization plans have an extensive network of dentists that they work with and do not require a wait time. Depending on the plan that you enroll in, you may not have to wait for non-surgical procedures as well. PPOs are the most common types of dental insurance you can choose.
- Dental discount plans: Discount plans are different from dental insurance and offer discounts on routine procedures without wait times. These organizations negotiate with their extensive network of dental service providers for discounts on basic procedures. You will only have to cover an annual fee to enroll in these plans, and you can see a dentist at your convenience.
Learn About Dental Insurance Fees
Just like a medical health plan, you must pay certain fees for the services that your insurer provides.
You also have to pay to cover the costs of procedures that undergo. But the most common fee that you will have to pay is your deductible.
You must finish paying for the deductible before you have access to the benefits your plan offers.
It is important that you understand how deductibles work too. For example, you must pay for services that are less than the cost of your deductible.
You may also have to pay a co-pay, and you will only receive coverage until you meet your deductible.
As for copayments, they are set amounts that you will have to pay before you can obtain any service or procedure.
For procedures that cost more than the amount of your deductible, your insurance will most likely only cover a percentage of the cost.
Therefore, you and your insurance each pay for a percentage of the cost. This is called co-insurance.
Your insurance may cover anywhere from 20 to 80 percent depending on your plan.
You will be responsible to cover the costs of the remaining balance.
Most insurance plans have an 80/20 split where you only have to pay for 20 percent of the cost of your procedure.
Make sure that you find a plan that is right for you and also fits your budget.
You should consider copays, co-insurance and deductible amounts as they are important aspects of your insurance plan.
Learn About Types of Coverage
Depending on the different dental insurance plans that you can pick from, your service providers will place procedure into three different categories.
You should research and review what different plans offer and choose the one that best suits your needs.
The three categories for dental procedures are basic, preventative and major.
Most dental plans place similar procedures in the preventative category and provide coverage for it.
Preventative procedures include routine checkups, office visits for cleanings, x-rays and more.
Moreover, insurance providers place services like treatment for gum diseases, root canals, extractions and fillings in the basic category.
Most of these procedures tend to have fees including copayments or co-insurance.
Depending on if you have finished paying for your deductible, and along with the other fees, you will have to pay for a certain amount when you get undergo these basic procedures.
Insurance providers offer coverage for up to 80 percent of the cost of basic procedures, so you only have to pay a small remaining percentage.
Major procedures include more extensive work such as bridges and inlays, and it is the last category for services.
Due to their extensive nature, you will have to pay more for this type of procedure as they cost more than basic and preventative work.
You should also understand how your dental insurance plan works before undergoing any type of procedure.
Your insurance provider may categorize some procedures like root canals in the major category, while other plans may consider root canals a basic procedure.
Additional Things to Consider About Dental Insurance
Besides the essential information explained above, you should consider other important aspects of dental insurance before you decide to enroll in any plan.
One of the things you will notice when you review the types of services your dental plan covers is that they do not cover cosmetic procedures.
Services including tooth whitening, veneers and gum countering are not essential nor do they pose a threat for your health.
Therefore, dental insurance plans do not offer coverage for these types of services as they are not medically necessary.
You should also keep an eye on policy caps that your dental insurance plan may have.
You will have a lower or higher coverage cap depending on your monthly premium costs.
Usually, the higher the monthly premium the higher coverage cap you will have.
You must pay for the costs of any dental procedure you undergo once you meet your annual cap.
Therefore, you should review your insurance policies to avoid incurring costs that you may not be able to afford if you meet your yearly limit.


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Learn more about COVID-19
COVID-19 continues to present challenges, multiple changes are going into effect that impact employee benefits administration and eligibility rules. It is the clients' responsibility to deliberately manage and approve all pending events and qualifying events with the appropriate effective dates.
Learn More
Welcome to HR Access
Employee Benefits Administration System
Can't access your account?

subset: commoncrawl


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Customized Enrollment Login Page
Drive online signups or app downloads with your calendar.
- Instruct members to download your custom app to book classes and team training (for classes that require pre-enrolment).
- Let members log into their personal ABC, MYiClub account while staying on your branded website.
- All class enrollments still take place in MYiClub, your app (NetPulse/FitMetrix), or any other third party app you may be using.


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Stop the war!
Остановите войну!
for scientists:
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"Relational Reasoning via Probabilistic Coupling."
Gilles Barthe et al. (2015)
- Gilles Barthe, Thomas Espitau, Benjamin Grégoire, Justin Hsu, Léo Stefanesco, Pierre-Yves Strub:
Relational Reasoning via Probabilistic Coupling. LPAR 2015: 387-401
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The protesters marched to the Iranian Embassy carrying banners condemning Tehran's action.
Iran started to expel the refugees on April 21 and has sent back some 25,000, prompting strong protests by the Afghan government.
Iran has said the government plans to send back around 500,000 refugees in a first phase. There are up to 2 million Afghans in Iran.
Also, U.S.-led coalition forces said four suspected militants were killed and seven wounded during an attack on a government building in Afghanistan's eastern province of Khost.
Afghan police battled for two hours a group of attackers at the administration building in Spera, near the Pakistani border late on April 30, before coalition aircraft launched an air strike.
Two Afghan police officers were also wounded in the fighting.
(AFP, dpa)
Kabul Mulls Relations Iran
Afghanistan has recently been preoccupied with its relations with Pakistan. But increasingly, ties with Tehran are coming to the fore. more
Between Washington And Tehran
Afghan Foreign Minister Rangin Dadfar Spanta told RFE/RL in May 2006 that his country could help improve relations between Iran and the United States. more
RFE/RL Afghanistan Report
SUBSCRIBE For regular news and analysis on Afghanistan by e-mail, subscribe to "RFE/RL Afghanistan Report."


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Are you finding yourself spending a lot of time every day trying to arrange your 121 meetings or sessions?
"When is it best for you?" "1pm? Oh no sorry I can only do 5pm"…are typical emails we exchange back and forth every day while we try and arrange meetings.
Join me, Morena Fiore, freelance Web Developer at Morena Fiore Digital, SEO consultant and teacher in a FREE session where I'll explain how you can use Calendly to let your contacts book a session with you effortlessly, without you having to send emails back and forth to find a mutual time for the meeting. Calendly will sync with your calendar, only showing time where you'll be free and also can automatically set up a Zoom meeting for the event too!
Where and when
12th November 2020 3pm – 3:30pm
The workshop will be hosted on zoom.com. After placing the order and closer to the time, you will receive an email with the call invitation details for the workshop.
Why should I use Calendly?
Although I am not in any way affiliated with Calendly, I have been using it for a few weeks now and contacts and potential customers now book sessions with me literally while I sleep! It's saving me a lot of time and I want to share this with you, so you can save a lot of time too!
You can find Calendly at https://calendly.com/


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Stoll Keenon Ogden PLLC | Advertising Material
Sam joined Stoll Keenon Ogden's Lexington office as an Associate in 2016, after serving as a summer associate at the firm. He focuses primarily on Business Litigation and Tort, Trial & Insurance defense, and is also a part of the Health Care litigation practice.
Working with clients in Kentucky and across the Midwest, Sam provides counsel that keeps pace with ever-changing federal, state and local laws. His collaborative approach combines strategic planning and passionate advocacy to help protect clients' businesses.
As a litigator, Sam has experience drafting and arguing motions for summary judgment, taking and defending depositions, and bringing cases to a jury verdict. He has routinely appeared in federal and state courts throughout the Commonwealth.
Business Litigation: For clients ranging from local small businesses to major corporations, Sam counsels clients tactically through matters spanning from contractual disagreements to complex trade secrets violations.
Tort, Trial & Insurance Services: Sam represents businesses and individuals from initial investigation through discovery, trial and appeal, when necessary. Depending on the nature of a conflict, he looks for opportunities to negotiate a settlement through mediation and arbitration.
Health Care: Concentrating mainly on litigation, Sam handles issues ranging from medical malpractice actions to disputes over billing. He assists hospitals, physicians groups, medical billings companies and various other organizations and providers.
Obtained a favorable defense jury verdict in Fayette Circuit Court on behalf of operator of motor vehicle, despite the court instructing the jury that the operator was liable as a matter of law. The plaintiff alleged that the operator was distracted by her cell phone and slammed into the rear of plaintiff's vehicle, causing bodily injury. The plaintiff sought in excess of $100,000 for past and future pain and suffering. However, the jury awarded only a small amount for past pain and suffering and $0 for future pain and suffering.
Successfully defended manufacturer of automatic door against design and manufacturing defect claims. The case resulted in complete summary judgment in favor of SKO's client.
Successfully prosecuted claims of claims of breach of contract, negligence, gross negligence, negligent misrepresentation, breach of fiduciary duty, aiding and abetting breach of fiduciary duty, and fraudulent misrepresentation arising out of the defendant's failure to file business tax returns over the course of several years.


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A young woman who has been working as a housekeeper in Lynn, Massachusetts, felt a sense of relief once she heard about President Obama's recent reprieve for undocumented immigrants under the age of 30, according to The Boston Globe. However, just a few days after, the woman, only identified as Raquel, was shocked when she realized her age prevented her from being eligible for the new policy.
In order to be eligible for the measure to apply for a work permit, immigrants must be under the age of 30, graduates of high school or college and have a clean criminal record. Raquel fit all of the qualifications except for one – she turned 31 at the end of April – and so is excluded from being considered.
"It gets me angry, because why didn't [President Obama] do this since the beginning [of his term]?" she said. "I know that [Obama] is helping … but unfortunately, he has moved his game pieces too late for some of us."
There have been a number of people speaking out against the measure since President Obama's announcement on June 15. According to The Hill, some immigration advocates are concerned about how the new action will affect the parents of undocumented youth, most of which are undocumented themselves.


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Apple introduced AppleCare+ monthly plans in 2018, but this option was only available in the United States. Now, the company has confirmed that it's expanding AppleCare+'s monthly plans to three more countries: Australia, Canada, and Japan.
AppleCare+ monthly plans aren't yet available in the listed countries, but that will likely change soon. As noted by MacRumors, Apple confirmed the expansion to Australia, Canada, and Japan in an official support article.
In the United States, Australia, Canada, and Japan, when you purchase AppleCare+ coverage for your iPhone, iPad, or Apple Watch, you can choose to pay monthly or pay upfront for 24 months of coverage. (For Apple Watch Edition and Hermes, you can pay upfront for 36 months.) If you paid upfront, you can go to mysupport.apple.com to continue coverage* on a monthly basis after the 24 or 36 months is over.
Customers can purchase AppleCare+ or AppleCare+ with Theft and Loss for an Apple product by paying monthly for up to 36 months instead of the full price at once. With AppleCare+, Apple extends technical support for up to two years with accidental damage coverage.
Users can opt to pay AppleCare+ monthly plans for the entire two-year period with a discount or pay monthly until canceled. Price varies depending on the Apple device you choose.
AppleCare+ plans can be purchased through Apple's website when available.
FTC: We use income earning auto affiliate links. More.


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New Zealand Symphony Orchestra: Bach Extended
- This event has passed.
Vesa-Matti Leppänen Director/Violin
Diedre Irons Fortepiano
Andrew Joyce Cello
WF Bach Duet for Two Flutes
CPE Bach Concerto No. 4 in C Minor, Wq 43/4
JS Bach The Art of Fugue, Contrapunctus XIV, Unfinished ,
JS Bach Selections from Cello Suite No. 6 in D Major
JS Bach Orchestral Suite No. 3
JS Bach Chorale Vor deinen Thron
While Johann Sebastian Bach is the undisputed master of baroque music, talent also ran in his family. Bach Extended presents four of JS Bach's most beloved works alongside two exceptional pieces by his sons Wilhelm and Carl. Both were heavily influenced by their father, but also pushed the boundaries of what baroque music could achieve.
WF Bach's inventive Duet for Two Flutes features the unmistakable sweet sound of baroque flutes before CPE Bach's Concerto No. 4, performed by Diedre Irons on Fortepiano.
JS Bach's magnificent The Art of Fugue was the last major work before his death and one of the best of its 14 fugues is the Unfinished. Suite No. 3 is one of the composer's best-known works due to its beautiful second movement known as Air on the G String. His Cello Suite No. 6 is an exceptional work, light and festive in nature, while Chorale Vor deinen Thron, reputedly written on JS Bach's deathbed, makes for a haunting and evocative finale.
$35 Adults
$15 Child (17 and under)
Ticket Prices exclude Services Fees.
Credit Card Fees apply.
A merchant fee may be charged on credit and debit card transactions.
Cash and eftpos available for door sales at Nelson Centre of Musical Arts from 11am – 5pm, Monday to Friday.
Please contact Nelson Centre of Musical Arts if you require wheelchair seating on 03 548 9477 or [email protected]


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Visit and Check Out I Wanna Wok- Your Best Local Partner in Tampa FL Florida Today! See Relevant Information, Read Reviews About I Wanna Wok, And Get The Help You Need.
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Hello PGA DFS family and thanks for joining me here at RotoBaller! The always-talented, but previously-winless Jason Kokrak notched the first PGA Tour victory of his career at the CJ Cup. Kokrak's putter was white-hot, which enabled him to outlast Xander Schauffele and Russell Henley at Shadow Creek.
It was a weird week for HFTC, as some of our highlighted players - Xander Schauffle and Russell Henley - were in the mix to win the CJ Cup, while we had rough luck with a Dustin Johnson WD and a bizarrely-bad performance from Matthew Wolff! We go from one unknown course to another, as the ZOZO Championship has been relocated to Sherwood Country Club this year due to COVID-19. Calling Sherwood an "unknown" isn't really accurate, as it played host to Tiger Woods' Hero Challenge for over a decade, though we haven't seen the layout on the PGA Tour schedule since 2013.
Horse For The Course is an article that highlights players in this week's field with elite course history and is part of our free PGA DFS content here at RotoBaller. For my favorite DFS plays of the week check out my Core Four article here at RotoBaller every Wednesday. It's part of our amazing PGA Premium package that includes an all-new PGA Research Station, Lineup Builder & Optimizer, and some of the best articles in the PGA DFS industry! You can sign up now using Promo Code: NICE for an extra discount at checkout!Featured Promo: Golf is back! Come join the fun and win big with RotoBaller. Get our full-season PGA and DFS Premium Pass for 50% off! Our exclusive DFS Lineup Optimizer, Research Station, DFS Projections and weekly DFS/betting articles! Sign Up Now!
ZOZO Championship @ Sherwood Overview
Like last week's CJ Cup, the ZOZO Championship is part of the PGA Tour's usual "Asia Swing", but has been relocated to the U.S. this year due to COVID-19. Also like last week, we'll be dealing with a limited - and rather elite - field of 78 players in a no-cut format.
The big news is that defending ZOZO champion, Tiger Woods, is coming out of hibernation this week. Woods has not looked sharp in his limited 2020 starts, but will be teeing it up on a Sherwood Country Club layout on which he held his annual Hero Challenge charity event from 2000 to 2013 (Tiger won five of those). He'll be joined by several elite holdovers from last week's CJ Cup, including Xander Schauffele, Justin Thomas, and Rory McIlroy. Dustin Johnson is also expected to return to action following a positive COVID-19 test last week and will also be joined by several of Japan's rising stars that are playing on ZOZO sponsor's exemptions.
While we don't have any recent course history to chew through, we'll look back at some results from the Hero Challenge at Sherwood and try our best to find some players with a nice course fit.
You can also find out who the smart money is on by checking out Spencer Aguiar's PGA DFS: Vegas Report every week. And be sure to read all of our other top-notch weekly PGA DFS articles to help you win big!
The Course: Sherwood Country Club
Par 72 - 7,006 Yards, Greens: Bent, Designed By: Jack Nicklaus
Sherwood Country Club is a beautiful Jack Nicklaus layout that contains both breathtaking views and difficult decisions for the players. It's a strategic golf course with several risk/reward holes, including the drivable Par-4 opener and FIVE Par-5s that can be played either aggressively or conservatively. In true Nicklaus fashion, this is a layout that places emphasis on position off the tee and requires a precise second shot. The length will be no problem for the players in this week's field, but Nicklaus' routing - that includes multiple doglegs - will prevent an all-out "Bomb & Gauge" assault. We already mentioned the layouts unique number of Par-5s (five) and Sherwood will also throw five Par-3s at this field...which will force me to weight both Par-5 and Par-3 scoring fairly heavily. Like last week, players will face Bentgrass green surfaces.
Despite Sherwood's lack of length on the scorecard, I look for it to provide a fairly stern test for the field. I'll be leaning accuracy and total driving over sheer distance when considering off the tee stats, while attempting to target sharp ball strikers with hot irons. I never give too much weight to putting, but I'll glance at splits on Bent, while also sneaking a peek at scrambling/bogey avoidance.
Recent Champions & Winning Scores
The Horse
Webb Simpson
DraftKings: $9,700
FanDuel: $11,300
Notable Course History: World Challenge - T5 ('13), T7 ('12), T13 ('11)
In golf's modern era of mind-blowing distance and power, Webb Simpson is something of a throwback. Luckily for us, there are still a few stops left on the PGA Tour schedule that reward accuracy and precision over sheer distance and I believe that Sherwood will prove to be that type of venue this week.
Simpson's game is certainly one of substance over style and it's pretty tough to argue with his results over the last few years, as Webb has amassed three wins and has remarkably missed just six cuts in 63 starts since the 2018 season.
While his game isn't one we want to target on every course (though we basically could), we have to believe that Sherwood CC is a perfect fit for his game. Simpson posted top-seven finishes over the last two years that Tiger's Hero event was held on this course. He ranks 15th in this field in Fairways Gained and first in Scrambling over recent rounds, attributes that put him in great position to succeed this week.
The Ponies
Matthew Wolff
DraftKings: $9,100
FanDuel: $10,200
Notable Course History: N/A
I'm sure a lot of you guys are like me and almost get sick just at the mention of Matthew Wolff's name. I was heavily invested in the 21-year-old last week at the CJ Cup and was absolutely shocked when Wolff fired an opening-round 80 at Shadow Creek. Things didn't get any better throughout the week, as he struggled to get anything going en route to an almost-DFL finish.
Perhaps an overlooked aspect of DFS is being able to put our emotions aside in order to make the best decisions. My anger is telling me, "SCREW WOLFF!", but my mind tells me that this is an intriguing bounce-back spot for a couple reasons. We can expect the youngster's ownership to plummet after he torched so many lineups as a chalky play last week. I also really love the "course history" angle that's in play with Wolff and Sherwood Country Club. He grew up about seven miles from the course and has played it "1,000's of times" (Wolff's words) with friends over the years.
Now, that course knowledge obviously won't be worth a dime if Wolff hits the ball like he did last week, BUT we've often talked about how his unorthodox swing makes him prone to volatility. So, while things could continue to be ugly, there's also a very real chance that the cat that finished second in both the U.S. Open and the Shriners shows back up this week.
Tiger Woods
DraftKings: $9,000
FanDuel: $10,300
Notable Course History: Hero Challenge - Five-time winner
This is a course-history-based column, so while we might not mention Tiger Woods based on his recent form, he definitely deserves consideration due to his monster track record at Sherwood Country Club.
Woods is the defending ZOZO champion and I wouldn't be a bit surprised if he had some input as to where this tournament would be held when it was decided to relocate it to the U.S. due to COVID-19. Sherwood is a dream spot for him...he hosted his annual Hero Challenge charity event on this course from 2000 thru 2013, and won on this layout five times over those years, compiling a scoring average of 68.46 (by far the best mark in this week's field) over 48 competitive rounds. It plays to all his strengths...shot placement, precision iron play, and strategic thinking. So, while we haven't seen any recent sparks from Tiger, we know that this course is a perfect fit and we also know that he should be gearing his game up in preparation for the upcoming Masters.
Did you know RotoBaller has a Premium DFS PGA subscription?
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Bubba Watson
DraftKings: $8,700
FanDuel: $9,900
Notable Course History: World Challenge - T3 ('13), T9 ('12), T6 ('11)
Last week on my podcast The Turn (you should subscribe, we've been KILLING it since the restart) we spent a good chunk of time talking about Bubba Watson and why he was such an intriguing option at Shadow Creek. Bubba paid off our intuition, knocking out a nice T7 in the CJ Cup.
I'm on him again this week, as he's not only demonstrated unbelievably-good form as of late, but also has some history at Sherwood. In the last three Hero Challenge events that were held at Sherwood, Watson went: T3-T9-T6. He comes into this week's ZOZO not only armed with that course knowledge, but also in fire form from tee to green. Watson leads this week's field in both Strokes Gained: Tee to Green and Ball Striking over recent rounds, while grading out second in SG: OTT and third in SG: Approach. He gained 10.9 strokes T2G at the CJ Cup (second in the field) and recorded a T7 despite losing 1.7 strokes putting. Obviously, we're hoping for a warmer putter this week, but Watson is an absolute ball-striking beast at the moment.
Win Big With RotoBallerGolf is back, and it's time for you to win big with RotoBaller! Our PGA DFS Premium Package features several savvy analysts and proven DFS winners.
Our very own Joe Nicely recently took down a big DraftKings DFS tournament for the Travelers Championship. And as an encore, RotoBaller subscriber @tenndolly2 won $100K on FanDuel with the help of Joe and the rest of our Premium PGA team:
If you read my articles @RotoBaller or listen to @TheTurnGolfPod I've been telling y'all it was #WinningSeason when golf came back! Shoutout to the entire @RotoBallerPGA squad and all you guys that support my work for all the ❤ pic.twitter.com/07a4ynvbSU— Joe Nicely (@JoeNicely) June 28, 2020
Between all the incredible Premium PGA DFS content and tools we put out each week, and our Premium Slack Community where we chat with our subscribers before lineups lock, RotoBaller PGA subscribers are armed with the tools, analysis, and advice to win big.
Congrats @tenndolly2 ???— RotoBaller PGA (@RotoBallerPGA) August 10, 2020
Thanks for being a @RotoBaller PGA DFS Premium subscriber & checking out all the amazing golf content that @JoeNicely produces every week! https://t.co/tHKZVsPbbt


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I was asked by my office manager this morning if bipolar disorder/manic depressive disorder was more prevalent in people around her age, in her 30's, than people my age, in my 50's, because the majority of people who react to our advertising and blogs are younger.
My thoughts were that the response we get doesn't necessarily mean that more people in her age group have mood disorders, but may be more indicative of two things.
1. Bipolar disorder, anxiety disorders and depression today are better understood and less feared by underwriters than when I was her age. If, for instance, I had been diagnosed with bipolar disorder 20 years ago my chances of getting any insurance company at all to consider accepting my mortality risk would have been somewhere very close to 0. I might have tried several times to get life insurance for my young family but with the chances at or near 0 of being approved, I would likely have racked up a string of declines.
2. By now, in my mid 50's, I would have done the best I could to put some other plan in place knowing that life insurance companies didn't want anything to do with me. Why, at this point, would I want to back track and put myself through the humiliation again?
I also reminded my office manager that we have been very successful in helping those my age and older who we have heard from. They actually, in the mind of underwriters, have something of a leg up on younger clients in that they are survivors and have stability written all over them. Bipolar disorder is one of those things that can tear you down at its' worst and make you a stand out success at its' best. By age 50 if someone has bipolar disorder they have most certainly taken one road or the other (through no fault of their own), and someone in their 50's on the good side of things has established stability and control, business and family life with some certainty.
From the view of a life insurance underwriter, whether you are a 32 year old software engineer or at 56 year old actor or CEO, the same criteria lead to the best rates.
1. Someone who has not been hospitalized for bipolar disorder other than for diagnosis?
2. Someone who has not attempted suicide or had bouts with suicidal ideations?
3. Someone who is compliant with their treatment, both medications and regular followups?
4. Someone who is leading a stable family life or social life?
5. Someone who is exhibiting a stable work life?
6. Someone who is not on disability for bipolar and does not have issues with drinking or drugs? If there's a problem here, then the answers to 3, 4 and 5 are no.
7. Better rates come with fewer drugs and without the need for anti-psychotic drugs.
Bottom line. Get the word out. Life insurance at fair rates is available at fair rates for people suffering the full spectrum of mood disorders. If you know someone who you think may have missed out on this evolution of underwriting, talk to them and steer them toward the answer they may have missed 20+ years ago.


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MONTPELIER: June 3, 2014- Connie Graham, Montpelier KK-6 Principal will be concluding her tenure as Principal for Montpelier Elementary after 6 years in her current position.
Mrs. Graham's service to Montpelier Schools, as first the K-2 Principal then KK-6 Principal, winds down with the closing out of the school year and will end over 25 years of public service as an educator. Prior to assuming her duties at Montpelier Schools, Mrs. Graham served as the KK-4 Elementary Principal in Fenton, Michigan for 5 years following 14 years of classroom experience as a 1st, 3rd, 4th, 6th, 7th and 8th grade teacher. Mrs. Graham also was an Elementary Music teacher during her career in Michigan.
Connie is married to Todd Graham, employed by the Farmers and Merchants Bank in Archbold, who is in charge of the Lending Department. Connie and Todd have three children; Megan, who followed in her mother's footsteps as an educator, and is currently a teacher in Fenton, Michigan, Jonathon who currently resides in Nashville, Tennessee along with his sister Kristin, who also resides in Nashville.
In reflecting back on her time at Montpelier, Mrs. Graham stated, "I have loved the experience of being a Principal. Where else can you get paid to play with kids, work with parents, and help teachers? It is a great job, although sometimes challenging and I am very thankful for the privilege of serving my students, families and our community. I have many wonderful and funny memories of my time here and I cherish the sweet and silly things that the students say to me. When I think back on my time here, I mostly smile because of the joy that has been mine here." Mrs. Graham also reflected on her career and quoted Henry Ford, who once said, " Find something you love to do and see if you can get paid for it," and for me teaching has been that one thing!
Connie's plans for the future include a cruise this summer down the Danube River in Europe from Budapest to Nuremberg, Germany, which her and Todd are "excited about doing and are looking forward to seeing the beautiful countryside." As for long-term plans, Mrs. Graham remarked "I am excited about the future and the opportunity to spend more time with our 2 grandchildren in Fenton, Michigan. There are few ways that are more exciting than being with them, as all grandparents know." The Montpelier Exempted School District will close out the school year on June 4, 2014.


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Introduction: Deli Style Roast Beef
Do you love roast beef sandwiches but hate paying deli meat prices?
If YES, then keep reading.
I will show you how to make deli style roast beef at home for a fraction of the cost.
Step 1: Ingredients and Tools
Things your gonna need:
An oven preheated to 200° F.
A roast of course. I use an eye round beef roast.
Olive Oil
Spices: Salt, pepper, onion powder, and garlic powder. Feel free to add your own flare.
A meat thermometer is necessary.
And some sort of roasting pan.
Step 2: Preparing the Meat
Start by coating the meat in olive oil.
Then sprinkle with salt and pepper followed by onion powder and garlic powder.
The meat should be well coated on all sides.
**I just had an idea. Mix equal parts salt, pepper, onion, and garlic. Spread on a cookie sheet and roll the meat in it.
I'll give it a try next time.
Step 3: Cooking
Time to cook the meat.
Place the roast on a rack or a pan. You can line the pan with foil for easier clean up.
Insert a meat thermometer all the way into the meat.
Put the meat into a 200° F oven.
Plan on cooking for 30min/lb of meat. My roast was 2.5lb, so I set the timer for 1.5 hr.
What you want is an internal temperature of 125-130° F. This will insure that the meat is cooked but at the same time keep it a nice pink color and retain the moisture needed.
My meat thermometer doesn't go low enough so after 1.5 hours I checked the roast with another thermometer that won't survive the oven.
First reading: 106° F, not done yet. I put it back in for 30 min.
Overall, It took another hour to reach temp, so for me it was 1hr/lb meat
Cooking temps:
This is what I'm aiming for.
This will probably be okay if you cook it a little longer, should still be pink in the middle.
Medium (with a touch of pink):
I think this is too much for roast beef, slightly pink in the center but dryer
Over cooked, meat will be cooked through and dry.
Step 4: Resting the Meat
After 2.5 hrs, the internal meat temperature was almost 128° F.
At this point, the meat needs to rest. Cover it in foil and let it sit for 30 minutes more.
While it rests it will continue to cook and distribute the juices.
It will drip a lot at this point.
Step 5: Slicing the Meat
After the resting period I like to slice a piece off to make sure the meat is a good pink color.
If you cook it too high you will get a pink center and brown outer portion, which is fine, but I like it rare.
The meat looks good, so now I like to chill the meat in the refrigerator.
It will be much easier to slice when it is cold. Of course if you can't wait, you can take a few slice now to hold you over.
Once fully chilled, use a meat slicer or a sharp knife and cut the meat as thin as possible.
Step 6: Roast Beef Sandwhich
Now that you have your roast beef, make a sandwich.
I like to use sourdough bread with mayo and creamy horseradish topped off with cheddar cheese.
I don't know how long this will store in the frig because it never lasts more than a couple of days.
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Does anyone think brining could and should be a great idea for several reasons? One, kills bacteria. Two, tenerizers the meat. Three, most all deli's do this as well otherwise their meats would taste like dog food right. So please let me know since I have a roast sitting on my table ready to either roast or be brined. Thanks
To make it extra-special, sear the outside of your roast in a hot cast-iron or stainless steel pan after seasoning and before putting it in the oven. Just a minute or two on all sides will seal in juices and give you that awesome "crust" that good deli roast beef has.
Did you steal all this stuff from my kitchen?! Haha! I have the same meat slicer, meat thermometer, and use the same horseradish as you!
Thank You for sharing this recipe. I am going to a POT-LUCK gathering this weekend. It seems like everybody is bringing PASTA SALADS. Well I got a 7 pound roast, am going to slice it really thin, schlep some dinner rolls and condiments and feed the hungry!
byw...this is the 2nd time I have made this.....it is better than '"DELI"......
Excellent. Thank you. Looks delicious. September 12,2011 I bought a meat slicer from Walmart for 1/2 price. I also bought about 18 pound of beef to make sliced meat. I have been buying sliced meat from store but it has 480 mg of Salt for every 66 grams of meat! Also has some Sugar and is loaded with other Chemicals and coloring!
that looks good ,imagine deli style roast beef with artisan style sourdough bread sandvich (drool)
try with creamed Havarti cheese is delicous try it instead of chedder.
As someone with a ChefsChoice 667 deli slicer, I find this post useful, but probably vexing to anyone without one. The reason I name the model is because I am a complete worshiper of it. I have done roasts and hams, and must say, anyone that is serious about sandwich cuts, you must get one. Plus, the savings on sandwich meat. I mean, once I got a specialty ham for 15 bucks at Sam's Club on sale. That meat lasted for 6 months. I'm actually going to Stater's because they have pork loin for 2.69 lb and a specialty ham for 4.99 a lb tomorrow. Once at cost co, I picked up two roasts for cheap, and again, deli sliced them. Why am I giving you guys all this info? Because people need to know. Stop buying sandwich meat in wasteful plastic packets for ridiculous prices. You can save your family so much money. The one thing I have yet to do is do custom chicken breasts, but it is on my list. Oh yeah, and cutting my homemade bread with it just makes everything wonderful. Oh yeah, 69 cents a lb whole chickens are on sale, so we can do more scoochmaroo inspired roast chickens. Boy, do I love food.
As someone who also owns a slicer ( not a full size one, a normal counter top model ), I can attest to how incredibly useful they are. It does great with most things - it just has trouble with dense cheddars and exceedingly soft things. They do a great job at slicing vegetables too - I've demolished entire heads of lettuce, whole onions and potatoes, and peppers.
If you have the mouths to put it in or the space to make it keep long enough, buying bulk meat from warehouse clubs really can save a lot of money - although you should also check your local stores and see their deals since they can afford to stock all kinds of things while the warehouses tend to have a rather limited selection. My local grocer carries some things I can't get at the regional chain or BJs / Sams.
They also across the board offer lower prices on cheese ( 2 bucks less a pound adds up quick when buy cheese in five pound bricks ).
Will a mandolin work if you don't have a slicer?
Can you freeze what you don't need immediately, then slice it frozen as you go?
That may not work. I don't think you can adjust the blade for thickness and the blade would have to be extremely sharp to cut through without the sawing motion of a slicer. Your best bet would be a knife.
I don't know about freezing, it will affect the texture after you freeze it though. If you have to freeze it, I would slice it first.
In this case, I am wondering; once you have enough Roast Beef to feed a division, how do you keep it? The only thing I can think of, absent freezing, is keeping it in a crock covered with rendered beef fat. Unpacking it every other week or so, when you are in the mood for it, slicing off a half pound, then packing it up again in the fat.
Any one have any better ideas?
Again, once you slice it, you can bag it and it is fine to freeze.
Yeah, be careful when freezing anything. This also goes for cheese. The best way to store is after slicing. I'm actually doing a pork loin roast that I've kept over night in a black tea, kumquat, pineapple, lime brine. I'm going to slow cook it. Before I cut it, I will partially freeze it. A mandolin really isn't going to cut it. It barely works with veggies and not that well.
Unless you can take your mandolin apart to clean it, I'd recommended against using a it to cut meat. You would be better off using an electric carving knife or something similar in my opinion.
Also, freezing the meat is different from the partial-freeze recommended here - it will damage the cellular structure of the meat and negatively affect the texture.
When you put it in the freezer for a short while, it firms up and makes it easier to slice. When you freeze it entirely, it turns into a solid mass of iced meat that you will definitely need an electric appliance to cut ( reciprocating saw, hand saw, etc ).
Yummmmo, Salmonella. There is a temp and TIME formulation for this recipe, not just temp. If you are only going to 130, you need to hold it there for almost 2 hours to kill the pathogenic bacteria. Otherwise why cook it at all, just let it warm up in the sun for 3 hours and dig in! There is a chart here: http://www.fsis.usda.gov/Frame/FrameRedirect.asp?main=http://www.fsis.usda.gov/OPPDE/rdad/FRPubs/95-033F/95-033F_Appendix_A.htm
If you don't like my suggestion, I recommend you don't share your "roast beef " with any small children or people who are immunocompromised.
I actually cook my steaks "tataki" style, where it's seared on the outside, but almost raw on the inside. Although I wouldn't recommend this to children, the elderly, or nursing or pregnant women, it is delicious and just fine, as long as you treat the meat properly and keep it out of the danger zone prior to cooking. In fact, I've seen many a restaurant serve meat much more rare than that in the pictures and no one has any problem with it. It's like saying "over-exposure to the sun causes cancer" and so you never leave the house. This is a delicacy, to be sure, but one that's well worth the risk.
Welcome to Instructables and thanks for the info, but I'm not too worried.
While chicken, pork, and ground beef can contain parasites throughout the meat, beef, IFcontaminated, will only have it on the outside.
200° F for 2.5 hours should be plenty of time and temp to kill external salmonella.
The USDA and FSIS will never tell you to cook a steak rare, medium rare is the lowest they will go.
While I agree with your last statement, the rest is incorrect. Sorry. You are instructing people how to make a ready-to-eat product to be served cold and over an extended period of time. At the very least I would have a disclaimer that your method is not the method used by the companies making the stuff found at the grocery store. The method they use has to follow the time and temp standards to be sold in stores legally.
You're either brave, like your rare meat more than you hate parasites, or you're using this whole thing right away. For a lunch meat that would have to be stored a while, I would be safe and with medium to be safe. I would go rare or medium rare if I was cooking for a large group of carnivores and knew there wouldn't be leftovers. But still, great instructable. My boyfriend will love me. And I will love the meat. (minds out of the gutter, kids!)


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Green Bay brewery pokes much-needed fun at 2020 with 'dumpster fire' beer | Streetwise
GREEN BAY - It took less than a day for Stillmank Brewing to sell more than half of a new limited run beer that pokes fun at the dumpster fire of a year we're living in.
Pre-sales for the beer, called 2020: Welcome to the Sh*tshow, launched Monday morning, and the Green Bay craft brewery ended pre-sales Monday afternoon after roughly 60% of the beer's run was sold, owner Brad Stillmank said.
The rest goes on sale at 3 p.m. Friday at the Stillmank taproom, 215 N. Henry St., on a first-come, first-served basis.
The beer's name encapsulates the feelings so many have about a year marked by coronavirus, George Floyd's death and the ensuing social unrest, economic turmoil, the Beirut port explosion, Murder hornets, Kobe Bryant's death, and a ceaseless stream of political ads. All 2020 needs to round out the misery is a biblical plague and ... oh, come on ... locusts in Africa!
The can's design includes a green dumpster marked "2020," with the contents ablaze. A sandwich board-type sign on the side of the dumpster has the beer's name on the side.
The name and design has garnered most of the attention so far. Stillmank said it is not intended to mock the many serious issues and challenges America and the world face today. Instead, Stillmank said the name is a small attempt to bring a little levity to a year that's been heavy on stress, anxiety, frustration and uncertainty.
"It's meant for fun. We've gotta poke some fun at all the junk that's going on this year. It has nothing to do with politics," Stillmank said. "We can all kind of agree for one reason or another this year has been crap for everyone."
And before anyone chastises Stillmank, it is far from the only craft brewery to try to have a little fun during a rough year. A quick search turns up Colorado and Michigan breweries with dumpster fire beers and a different Michigan brewery that released a similarly named ale earlier this year.
For those wondering about the beer itself, 2020 is a Belgian-style patersbier ale brewed using a Trappist yeast strain with a heaping dose of plum puree added to the mix. Stillmank said patersbiers are considered a "dad beer" that's perfect for an afternoon mowing the lawn. The alcohol-by-volume is 6%.
"It's got good Belgian character to it, but it's not hit-you-over-the-head strong like some Belgian ales," Stillmank said.
Stillmank said he usually caps pre-release sales at about 25% of the inventory. Even though customers could buy no more than two four-packs, Stillmank was caught by surprise by the volume of sales that poured into the brewery's website on Monday.
"I probably should have cut it off earlier," he said. "But there will be some available Friday when they go on sale. We're expecting some excitement around the release, but a lot of to-go orders since it's not on tap."


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Nowhere does music have a greater social and political importance than in the vast desert state of Mali. It is shocking, therefore, that it has been banned across much of the two-thirds of Mali currently controlled by Islamic rebel groups.
As "Manny" Ansar, the director of the country's celebrated Festival in the Desert, which has now been forced out of the country, explained: "Music is important as a daily event. It's not just a business, for it's through our music that we know history and our own identity. Our elders gave us lessons through music. It's through music that we declare love and get married – and we criticise and make comments on the people around us."
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Malian musicians have become household names in the west. The list is remarkable, from the late Ali Farka Touré to the soulful Salif Keita, from Toumani Diabaté, the world's finest exponent of the kora, to the bravely experimental Rokia Traoré. Then there's the rousing desert blues of Tinariwen, who have performed alongside the Rolling Stones.
There is the passionate social commentary of Oumou Sangaré, and the rousing, commercially successful African pop fusion of Amadou & Mariam.
These musicians, with varied, distinctive styles, have educated western audiences about Africa and their country's ancient civilisation, and the way in which traditional families of musicians, the griots, had acted as advisers to the rulers and guardians of the country's history, and kept alive an oral tradition for generation after generation.
And yet the Islamic rebel groups are trying to wipe out this ancient culture – and in the process have forced Malian musicians to examine the role they should now play.
Ansar said he was "ashamed at what has happened has happened – and it was provoked by people who call themselves Muslims, like me".
When I met him at a censorship conference in Oslo, he said the militias were stopping the music "to impose their authority, so there's nothing to threaten them". He added: "That's why they are attacking the traditional chiefs and musicians. And they're using concepts of Islam that are 14 centuries old and have never been applied. I find it strange that these ideas are being imposed now. It's as if they took a computer and wiped the hard drive, and then imposed their ideas instead."
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The situation is particularly painful for musicians from the north of Mali, for bands such as Tinariwen from the nomadic Touareg or Kel Tamashek people, whose international popularity has been helped for the last 12 years by the Festival in the Desert.
There have been upheavals in the region in the past, including a huge rebellion in 1990, when Tamashek fighters turned against the Malian government, demanding greater autonomy, a right to defend and support their culture, and even demands for a new country, Azawad.
It seemed at first that the latest rebellion, now a year old, might follow a similar pattern, yet it splintered and changed course, and Islamic groups took over from the nationalists, partly because the former nationalist leader Iyad Ag Ghali (whose songs were once covered by Tinariwen) has now converted to a more extreme form of Islam.
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Tinariwen are currently back in northern Mali, or living in exile in southern Algeria, but when they played in London last year, guitarist and bass player Eyadou Ag Leche talked of their problems since the Islamists took over the north.
Young people have been stopped from listening to music and families have had their televisions smashed for watching music shows, but music was still being played "underground", he said.
As for the Islamists, he said that he "didn't know where these people had come from", and suggested they were financed through Qatar.
Other bands from the rebel areas reported similar problems. Pino Ibrahim ag Ahmed, of Terakaft, said he had been forced into exile in Algeria and "lost much of his land". He said: "I don't know these groups, or what they want, and it's dangerous moving around." But he was determined to keep playing.
In the Malian capital, Bamako, outside the rebel-controlled area, musicians are also determined to keep working, but face different problems.
Bassekou Kouyate, the world's leading n'goni player, said that musicians in the city are unable to work at the moment as clubs have been closed, all public concerts have been postponed, there are very few weddings taking place, and "even the concert in honour of the great balafon player Kélétigui Diabaté, who died recently, has been cancelled".
He said: "The government is nervous and afraid of terrorist attacks on public gatherings. They are asking everyone to wait until the situation in the north has calmed down."
But he and his wife, the singer Amy Sacko, did take part in a national television programme, along with Oumou Sangaré, in which they "all sang against all forms of sharia law".
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Asked about the French military involvement, he said "they have saved Africa. They have saved Mali from the Islamists. I am going to buy a French flag to put in front of my house, to say thank you. That is how us Malians feel now".
In another musical unity project, the singer Fatoumata Diawara has just finished a new song and video, Peace, which will be quickly released in Bamako on Thursday. The aim, she said was to promote peace and "show that not all Touaregs want an independent state in the north – we want one Mali".
Touareg musicians appear on the song, as part of an extraordinary 45-strong cast that features 13 musicians, including Toumani Diabaté and guitar hero Djelimady Tounkara, and 29 singers, including Sangaré, Amadou & Mariam and Ivory Coast reggae artist Tiken Jah Fakoly. "There has never been anything like this in Mali," she said. "The political situation is bad so it's time for the musicians to come together." She also agreed with Bassekou that "people are happy" about the French military involvement.
Outside Mali, other musicians are involved in an international campaign to promote the culture of their battered country. Rokia Traoré, arguably the most adventurous female singer in Africa, is currently on tour in Australia. She explains: "I can just keep going and doing the best in my work, to try to make people think good things about Mali and see good things from Mali."
There will no doubt be similar sentiments expressed in London and Glasgow on 26 and 27 January when three Malian artists appear together at the Sahara Soul concerts, at which Bassekou Kouyaté will be joined by the young Tamashek band Tamikrest, seen as a younger answer to Tinariwen, and Sidi Touré, a griot from the ancient city of Gao, currently under rebel control.
When those shows are over, Kouyaté heads back to Mali for further events, which will only take place if security allows. A major festival in his home town of Ségou is to be followed by an appearance at the Evening for Peace and National Unity in Bamako, organised by Oumou Sangaré.
Both events will also feature musicians who are also taking part in a two-pronged Caravan of Artists for Peace and National Unity, which will travel around west Africa next month, ending up in the town of Oursi in the neighbouring state of Burkino-Faso.
It's here that Ansar is hosting his 13th Festival in the Desert, now being staged in exile.
"The brutal sound of weapons and the cries of intolerance are not able to silence the singing of the griots," he said. "The Festival in the Desert must survive all this."


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Heather's Hues January 2021 Monthly Duo
*Products shown here were provided to me as press samples in exchange for photos and feedback. All thoughts and opinions are my own.*
Happy New Year, y'all! I hope you all had a happy and safe start to the new year. I know for many out there, times have been better, so please know that I'm sending out all my love and good vibes to any of you who need it. These swatches may be just a little late, but it looks like USPS is finally starting to catch up with the holiday rush, which is great news. For 2021's first Monthly Duo, the Hue-t-pies were tasked with submitting "Winter" themed photos! The polishes created have perfectly captured the chilly inspirations: a row of male and female cardinals perched on a fence in the snow, and a glowing aurora lit sky over snow covered trees. These beauties will be available throughout the month of January only at HeathersHues.com!
In case you're new to the Monthly Duo, each month Heather tasks the members of her Facebook fan group, the Hue-t-pies, to submit photos fitting a theme of her choice. The photos are whittled down to 10, then the group votes for their favorite 2 photos to inspire Heather to create something new and special for that month. Join in on the fun for next month, and peep at the inspiration photos for these by joining us in the Facebook group here: www.facebook.com/groups/HeathersHueTpies
[Note: In order to avoid any sort of copyright issues with the inspiration photos, I will not be posting them here.]
"On The Fence About Winter"
Price: $12.50
Description: This is a gray crelly filled with a red-copper-gold shimmer, a mix of glitters in silver, brown, copper, and red, and a touch of multichrome flakes in red-copper-bronze and gold-silver. Shown here in 3 thin coats, plus gloss and matte top coats.
Thoughts: This is such a beautiful taupe polish! The shimmer and glitter are a perfect combo. I like how it's not super dense with glitter, but it is rather scattered. It applied very easily with coverage building nicely. In fact, I think most could probably get away with only 2 coats rather than the 3 I used here.
"Snowy Skies"
Price: $12.50
Description: This is a thermal that is purple when cold and teal green when warm. It's filled with a teal-blue-violet shimmer, holo dust and holo flakes, and iridescent flakes teal-green-blue-pink and teal-violet-fuschia. Shown here in 3 thin coats, plus gloss and matte top coats.
Thoughts: This is another one of Heather's fantastic thermals! The dense shimmer and flake give this polish a beautiful, subtle glow. Application was very easy and smooth with the first coat appearing rather sheer, but coverage build to full opacity in 3 thin coats. I used by handy-dandy space heater to capture the warm state here, but I have been wearing a test swatch on my thumb for a day or so and I've found it to transition rather easily, even on ice cube hands like mine.
Again, these beauties will be available throughout the month of January only at HeathersHues.com! Come join the Hue-t-pies to help with inspiring next month's duo: www.facebook.com/groups/HeathersHueTpies
*Products shown here were provided to me as press samples in exchange for photos and feedback. All thoughts and opinions are my own.*


text: Most proably you would have already watched Salman Khan & Katrina Kaif starrer Tiger Zinda Hai. If not then you definetely have watched its most romantic song Dil Diyan Gallan. The song starts with morning scene where gorgeous Katrina Kaif is wearing a baby blue colour night suit. We just loved that night suit & the style she is carrying it. A baby blue colour pin stripped night suit having shorts with folded hem and a loose fit collar full sleeves shirt. Katrina's night suit in Tiger Zinda hai is made of super fine comfortable cotton. So girls what are you waiting for? Go rush to your local boutique or tailor and get this same night suit made and fluant before this styles faded.


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Annual Note from the Managing Partner.
As calendar-year 2017 is coming to a close, Across Partners announces achievement of its major objectives.
- financial result more than tripled compared to 2016
- team size increased by more than 30%
- remuneration for key employees improved significantly
- number of paying Chinese clients increased by 50% and is currently at an all-time-high
- acquisition and joint-venture deals completed in new countries such as Belgium and Sweden
- project pipeline value increased by more than 100%, of which medical devices & services is still an important segment
- investor network in China increased more than 20% to more than 300 points of personal contact
- database of target companies in Europe in key industries now exceeds 2000 companies
On this basis, Across Partners closes 2017 on a an optimistic note.
Our passionate and moral commitments to our loyal clients continues in 2018.
We also look forward to welcoming new clients and partners to join the rewarding and trendy strategy of equity partnership between China and Europe.
Uniquely focused, uniquely capable will continue to be our raison d'être in the M&A industry.
Hans Halskov, 06/12/2017
Webmaster: Michael Bredahl


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Everyone knows open communication is the key to a great marriage. And, everyone knows that sex is critical to an invigorating marriage. However, only smart couples know that openly communicating about sex is one of the best indicators of a great, invigorating marriage!
- awkward
- insecure
- embarrassed
- shy
- inadequate
- vulnerable
- afraid
…these are just a few of the emotions we might experience when we start to open up about sex. Really—that's the point isn't it? Healthy marriages are developed by learning to talk about the difficult things in constructive, non-judgmental ways. When we can open up about our deepest feelings, we enter a new level of closeness.
How Do We Learn to Open Up Like That!?
Are you afraid to voice what you really think about sex—or other difficult issues? Are you afraid to hear what your partner might say about their deep issues and their responses to yours? The Bible indicates that "…perfect love casts out fear." (I John 4:18) Being afraid to discuss things—and thereby creating a "don't mention" category of topics is evidence of fear crippling our lives.
Face Your Fears
Though this step may be the most difficult thing you've ever done—it's essential!
- For some couples, counseling will be necessary.
- For other couples, setting aside times of introspection and evaluation will be necessary.
- For still others, taking the 7-Day Sex Challenge home-course will be necessary.
But for all couples—honesty and humility will be necessary!
The Real Deal is Intimacy
For many people, sex is a synonym for intimacy. In actual fact though, sex is like the tip of the intimacy iceberg! Following our metaphor, under the surface, the other types of intimacy: emotional, spiritual, and intellectual really define what the tip will look like!
Fantastic sex will be a natural consequence of developing intimacy through communication in all four areas! Yes, difficult conversations may make hard times, awkward times—but the payoff will be huge! With the openness and transparency that will develop, your marriage will go up to an entirely new level!


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Black Sabbath
Technical Ecstasy LP
The most influential group in the development of heavy metal music, Black Sabbath launched a million air guitarists picks into the air and vocalist Ozzy Osbourne into the history books. Paranoid, the band's seminal 1971 release is a masterpiece. Featuring the scorching "War Pigs," "Iron Man," "Faries Wear Boots," and the title track, this album is the blueprint for modern metal and hard-rock music.
War Pigs
Planet Caravan
Iron Man
Electric Funeral
Hand of Doom
Rat Salad
Fairies Wear Boots
Requires a Spotify© account. This is an auto generated widget from Spotify© using this product's information. This is intended for reference only and does not represent the track listing or content of this product.


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The Fuschia Makeup x Michelle Fox Palette Review
The latest palette of this season is the collaboration between Fuschia Makeup and the Irish Makeup Artist Michelle Fox. They created a very versatile, all round palette containing twelve eye shadows, one bronzer, one peach blush and a cheek highlighter. There is a lovely mixture of every day neutral shades and high shine shimmers, with a dominating warm tone. The eyeshadows are soft to touch, very blendable and with a brilliant color pay off.
Wearing Salted Caramel all over my lid and crease. Chocolate Kiss in the outer corner. Starry Eyes under brow highlight. Sculpt me, Just Peachy and Milo on my cheeks.
Michelle's favorite shades are Salted Caramel – a burnt orange bronze, Starry Eyes shimmer – a creamy, strong highlight and Milo – an all rounder cheek highlight. I can see why she loves them! The colors are very beautiful on the skin. My absolute favorite is Salted Caramel, its the perfect warm every day eye shadow. I can easily just wear it on its own for a quick eye look.
Every single shade is very wearable, from the warm browns to the winter berries. The pigments can really pack on the color and the value is fantastic, considering there is cheek product too. Its currently retailing at €35 in selected pharmacies and on the Fuschia website.
The thought behind the palette collaboration was to create something wearable and easy to use by everyone. I think they really achieved this. The color scheme is on trend and quality high, i wholeheartedly recommend it if you are looking for a new palette to try.
*PR Sample.


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So, just a quick update at the Bananafish Disco: – Today is day 9 of not smoking – About to kick this cold – My little boo found a home I've learned that roasting vegetables is a really good way … Continue reading
Tag Archives: diet
Day 15 and 16
Things are going well here on this green planet. We are feeling quite fine and no longer craving bread, although we were tempted. I've lost 7 pounds, and my comrade has lost over 12! Last night I was tempted by … Continue reading
Still here! Day Twelve
We're now on Day Twelve. The hubs doesn't want to eat through a loaf of bread anymore. He has discovered Redbridge Beer (Gluten Free) and feels like a member of society again. You do have to understand that here in the South you're handed a drink at any type of gathering. Is it just us?
I feel like we're really getting in the groove. We did add some cheese this weekend (shredded, atop salads), but other than that and two uses of butter, we've been dairy-free and soy-free as well. I even sauteed stir-fry vegetables, chicken, and bok choy in coconut oil, onions, garlic, ginger paste, and some liquid aminos. Yep, I used them. While the taste was fine, I read into it a little more and am surprised about the manufacturing process. In my desire to do it right, I went overboard trying to buy all the "right" things. Not sure where I saw the suggestion for liquid aminos, but now that I know a gluten-free tamari exists, I think I'll try that. A little soy instead of hydrochloric acid? Fine by me.
Oh, and I've lost a few pounds! Woot woot!
Day 6 and 7
Yesterday for lunch I had a salad with lots of protein. A remaining pork chop, egg, 1/2 slice of bacon, tomato, romaine lettuce, mushrooms, and onions. It was a really great salad for making one at home – you know how salads are often crappy when you make them at home? This one was surprisingly good.
We're really using our grill as part of this 30 day challenge, and we had some grilled zucchini and grilled bratwurst on a bed of sauerkraut for dinner. Now, before you question that, the bratwurst is from local happy pigs, so I say that is Paleo. Sauerkraut? Maybe not, but it is low in carbs.
My husband is really struggling. He has been so hungry, he says. Today he wished that a loaf of bread could be baked inside our den around him so he could eat his way out of the room. Last night, he ate some lettuce with sriracha as a snack! That doesn't sound normal.
So, I remembered a sweet potato recipe I saw on Nom Nom Paleo. I think he's going to be ok! Hamburgers on lettuce with sweet potato fries for dinner. Almost his normal thing…
Does anyone out there have suggestions for snacks? We've been eating almonds, walnuts, and carrots. I had a banana today after work as a snack, but I imagine that too much fruit isn't good. Thanks!
Update: I did some research and found this website: http://paleodietlifestyle.com/paleo-snacks/
What a great resource! I'm definitely going to keep some of these ideas in my head for when the hubs is "famished" and about to eat lettuce.
Also, I realize that this blog is probably boring to those of you following it since it just lists my food (gross) and has no photos. I realized that I had become that person who posts photos of food on Instagram (even grosser), so I've stopped taking iPhone photos of meals. At the moment, I'm completely swamped with my job and teaching, so I haven't had the time to devote to nice, pretty food photos. I promise to do that soon, though, and maybe you'll stick around.
Day Four: Steak!
Today was a lazy Sunday – slept late again, woke up and made some eggs and ate half a banana, and finished up the first season of The Killing on Netflix. We snacked just a little on almonds and walnuts … Continue reading


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I thought it might be nice to sort of recap 2011 in terms of my crafty endeavors. This past year certainly wasn't my most prolific, knitting-wise, but considering that I also made a baby this year, I can't really complain!
My first finished project of 2011 was the Garter Rib Cardigan:
That sweater has seen SO much wear in the last year! It's pretty much the perfect sweater. I started another one, but haven't yet finished it, nor have I finished the pattern I'm writing for it. But I've not forgotten about it!
Next, there was Sullivan. I don't have a photo of my own, since I finished the sample on the last possible day I could in order to get it to Jared in time for photography. Designing and knitting a sweater during my first trimester turned out to be pretty darn difficult, but I'm so proud of the pattern. It's done really well, and I've gotten great feedback from the people who've knit it, and overall I'm just really delighted with the whole experience of working with the Brooklyn Tweed folks and being part of Wool People and would love to be able to work with them again.
Other than those two projects, everything else I made this year was for my baby. Two projects were sweaters based off ones I'd designed in my own size: babyStripes!, and the baby version of the Garter Rib cardigan. babyStripes! ended up being a bit bigger than I'd intended, so I've not put it on Maddy just yet, but the baby Garter Rib was perfectly newborn-sized. In fact, I bet it wouldn't even fit my chunky little girl anymore!
I also made hats. Three of them: A modified sweet baby cap, intended to match babyStripes!, a plain 2×2 ribbed cap, and a pumpkin hat, which we used when we brought her home from the hospital two days after Thanksgiving.
So, what does 2012 have in store? I have no idea. I plan to finish a few patterns (and maybe create some totally new ones), and I'd like to knit a couple more cardigans for myself (since cardigans are all I can wear right now, what with having become Madrigal's sole food source!), as well as some more things for Maddy. I'm hoping to make it to Rhinebeck this year, and even if *I* don't have a spiffy new Rhinebeck sweater, I'd really like for my baby girl to have one! But I'm not going to set any real goals or expectations for myself on the crafty front. It's just too hard to predict how things will go now that I'm a mother. And expectations just set you up for frustration and disappointment. I just want to enjoy this year, and especially my baby girl, as much as possible. If I get a lot of crafting done, great, and if I don't, so be it.


text: Dazed is a 100% independent British fashion and culture magazine, with a reputation for ground-breaking photography and agenda setting editorial. Dazed Magazine was founded by prodigious photographer Rankin and writer and cultural enthusiast Jefferson Hack, and taking its name (and freewheeling spirit) from the classic Led Zeppelin song, Dazed Magazine started life as a limited-run fold-out poster in 1992. Early cover stars profiled by Hack included Bjork, Harmony Korine and David Bowie, who all contributed to the magazine over the years. Also on the cover in the early days were PJ Harvey, Damien Hirst, Richard Ashcroft, Chloe Sevigny, Pulp's Jarvis Cocker, Robert Carlyle, Kate Moss and Milla Jovovich. It was during this time that Dazed cemented its growing international reputation for daring to extend its editorial remit beyond fashion, music and film not just to include art and literature, but to tackle local and international social and political themes. In 2016 the magazine celebrates its 25th anniversary.


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In The Know: Develop Games, Create Designs, and Have Fun!
Nowadays almost everything has some kind of online presence, whether it's online education, online meetings or online events. The online world is booming and it's here to stay. That means that technology is without a doubt becoming more and more a part of our daily lives. Getting a headstart in the modern-day, digital world can give your child a competitive advantage in the long run. Have a look at these great opportunities that can develop your child's tech skills.
Sharpen your designs with Tech
With Revitalise's Tech 4 Teens event, your child can get a chance to develop designing and creative skills. The 3-day event will teach your child how to use their mobile devices for photo editing, video editing and graphic design! All that is needed is a smartphone and the free photo editing app, Snapseed. The event will be on the 11th, 19th & 26th February, from 6pm to 7pm. To register your place for this event, click here.
Learn about AI!
Firetechcamp will be running the Can a Computer Choose Your Clothes? Neural Networks in AI online course for young people aged 13-17. This is a great opportunity for your child to learn about and explore the world of AI. The course will cover how AI recognises numbers, texts, sounds and images. The course fee is £10 and will take place on Monday 8th February from 7pm – 8pm. You can register for the course here.
Put your Game making skills to the test!
YGD is hosting their 11th Annual BAFTA YGD competition, for young people between the age of, 10 and 18. Your child will have the chance to display their game-making abilities on platforms such as Scratch, Kodu or Flash. Entrance to this free competition is open, and the final entry date is Monday 15th March 2021. To register your child for this competition, click here.
- In the Know: Raising your Teenager for Success! - December 2, 2022
- In the Know: All About Apprenticeships! - November 18, 2022
- In the Know: Activities for Skill-Building! - November 10, 2022


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I'm by no means a TV person. Samsung, Sony, LG; they all look wonderful and smartly designed to me. I've had the same 32-inch Vizio for the last seven or eight years, and it's served my needs just fine; I have no reason to get a new one, though it does look hideous compared to many of today's new, nearly bezel-less works of art. But when I had the opportunity to test out Panasonic's 58-inch Smart Viera, I couldn't say no.
Panasonic's plasma TVs have been widely regarded as among the best in the industry over the past few years. Its LCD TVs? Not so much. But through a combination of lovely minimalist styling and a pretty aggressive price point, the company's latest LCD, E60, is a pretty terrific TV for the value, let alone as an upgrade to something as old as my Vizio. Picture quality is amazing, features are robust, and it makes any living room instantly look that much more modern. It's also nice that Smart TV options are there, though those features typically take back seat to other gadgets such as Roku and others.
Set up for such an enormous TV was actually super simple, though because of its size, you'll need a buddy to help out. Mounting it to its stand just required a standard Philips screwdriver, and about ten minutes. Once that was all set, you simply plug in the cord to the back and you're ready to go; actual software setup was pretty quick and painless as well.
Design-wise, the E60 looks sharp, ultra minimalist, with nothing but the screen staring at you accented by a thin strip of plastic that's hardly noticeable—that same thing can be said about many of today's TVs, too. But such simplicity is part of its charm, and it helps that the TV is so light and thin. It doesn't stick out in any particular way; more like it complements what's around it. The size isn't overwhelming, either, which is nice (I tested it in a average-size living room).
I've only done a little gaming (GTA V), and watched a few hours worth of movies on the E60 so far, but I already know it'll be difficult to give up and go back to my lowly Vizio (today's current Vizio TVs look quite lovely). At a starting price of $1,000, however, for what's being offered, I just might get myself an early Christmas gift.
Panasonic Smart Viera Class E60 Series LED LCD TV Specs:
- Screen Size: 57.5
- Resolution: 1920 x 1080 120 Hz
- Dimensions: 51.1 x 30 x 13.2-inches
- More Features: Viera Connect with built-in Wi-Fi and Web Browser, 3x HDMI, 2x USB 2.0, Component video input shared with composite, ethernet and a rated power consumption of 152 W
Add magic to your living space with these string lights
String lights add personality and soft light to your living space. Here are some of the best.
Disguise your little one with the help of a themed costume
From roaring lions to hoppy bunnies, costumes speak to every child's unique spirit. And we've collected our favorite options.
The Galaxy S20 Ultra's Space Zoom camera is amazing and a bit creepy
The Galaxy S20 Ultra supports up to 100X zoom, which Samsung calls Space Zoom, but is it any good? Can a phone really product usable photos at 100x zoom? We've got our Galaxy S20 Ultra already so join us to find out!
Spoil the father in your life with these amazing finds
It's easy to honor dad when you've found the right gift, but the right gift isn't always easy. To assist, we've compiled a list of the best presents around.


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Industry & Infrastructures
Any type of industrial plants, Ports, City Halls and other Infrastructures
ManWinWin is a flexible, easy-to-implement and simple to use solution for the maintenance management and organization of any type of assets.
ManWinWin Express (free version)
ManWinWin Express is a free CMMS software. Try it and license it forever for free
ManWinWin Overview
ISO 9001 Certified
By Lloyd's Register Quality Assurance. Quality has been a major concern for ManWInWin Software, not only continuously ensuring client satisfaction, but also within our company itself.
ManWinWin has been included once more in the FrontRunners quadrant – powered by Gartner® Methodology – for CMMS software as one of the top performing products in their CMMS market.
Microsoft Partner
ManWinWin Software is a Microsoft Silver Partner and meets the criteria for the Microsoft Platform Test for ISV Solutions.
You always Have
Your equipment list inventoried and organised, Daily maintenance management with alerts, Thorough cost control and powerful Analysis and Key Performance Indicators (KPIs).
Good reasons to choose ManWinWin Software
ManWinWin Software in the digital transformation of Southeast Asia
With the arrival of new partners, ManWinWin Software reinforces its commitment to the internationalization strategy in Southeast Asia, focused on the digital transformation of the
ManWinWin promotes training courses on maintenance management in Lisbon and Oporto
The theoretical-practical course in Organization and Management of Maintenance and the practical training in ManWinWin 6 are held in Lisbon and Oporto during November 2018.
Auditing the Maintenance Function: The starting point for an adequate management
Auditing the Maintenance Function: The starting point for an adequate management. The article from Eng. Hugo Cardoso demonstrates on the basis of a number of
6th BEST FACILITIES AND MAINTENANCE MANAGEMENT SOFTWARE IS PORTUGUESE
ManWinWin was recognized as the 6th best rated software in the FrontRunners for Facilities and Maintenance Management report. This is the fourth consecutive time that
The latest ManWinWin implementation: VJS Group in Vietnam
ManWinWin Software has just implemented its maintenance management software at VJS, a Vietnam based group dedicated to the production of steel. The project took place
Daily waste in maintenance
Today it is not enough that maintenance does well what it has always done, maintenance must do more and do it better! This article raises
ManWinWin Software in Singapore and Thailand
ManWinWin Software will participate in NXTAsia, an event belonging to ConnecTechAsia, which will take place in Singapore from the 26th to 28th of June. On
Amcor Flexibles chooses the cmms manwinwin
Amcor, a multinational company based in Australia, it is a global leader in packag-ing solutions and has 200 facilities in 43 countries. The factory located
ManWinWin Software announces the key findings of the customer satisfaction survey
ManWinWin Software (Navaltik Management, Lda.) carried out a Customer Satisfaction Survey in the scope of certification in ISO 9001:2015. Among other benefits identified, Customers of
ManWinWin WEB with responsive design
ManWinWin WEB is a set of applications that facilitate access for maintenance managers, technicians, customers or suppliers to relevant information and allows simple tasks of data recording and consultation to be performed.
ManWinWin WEB has a dynamic and responsive interface that ensures a good user experience from any mobile device with an Internet connection. The features are based on profiles that provide the user with a set of features relevant to maintenance management.
More Clients
Get to know more of our valuable customers


text: tag:blogger.com,1999:blog-6620511595417365920.post2272078582079091537..comments2022-12-06T16:54:38.929-06:00Comments on Fleetwood Mac News: Fleetwood Mac fans of Adelaide... expect to have news for you next email@example.com:blogger.com,1999:blog-6620511595417365920.post-80647524791192207362015-07-09T02:14:37.760-05:002015-07-09T02:14:37.760-05:00A number of staff and people I know in the self st...A number of staff and people I know in the self storage area are big fans of Fleetwood Mac! My mobile phone has been buzzing on this asking for any news and tidbits about it. But I can't seem to find any follow up news on this. Any leads? Mel Brandlehttp://firstname.lastname@example.com


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They worked hard, got a good night's sleep and gave it their best effort – but it wasn't enough. Your child has been cut. Seeing that look of disappointment and sadness on your kid's face is no fun, but getting cut doesn't have to be a sad ending. In the long run, it can play an instrumental role in a young athlete's development. It might even be a springboard to future success.
But the initial sting isn't easy for anybody, including the coaches.
"I think cutting a player from a team at any level is the most difficult thing a coach has to do," said Jeff Giesen, a Level 5 coach with USA Hockey and the former women's hockey head coach at St. Cloud State University. Giesen has seen it from many perspectives, including as an assistant coach with the 2009 United States Women's U18 World Championship Team that earned a gold medal in Germany.
Giesen offers the following advice on how a coach and parent can help a player deal with not making the team:
The right thing to say: Every situation is different, but whether it's cutting a player loose to a lower level or removing a player from the lineup, the same method should be used. "Keep it short and to the point," said Giesen. "Give them constructive and positive feedback as well as the reasons why you have made the decision."
The wrong thing to say: If the coach makes clear ahead of time what the players will be graded on during the tryouts, then there will be specific and clear feedback as to the reasoning behind the cut. A coach can present an assessment sheet (if available) and share it with the player. "The wrong thing to do is lie or make something up as to why you have cut someone, just to make them feel better," said Giesen. "This will only catch up to a coach (or parent) later."
It's not personal.
"Always make sure that the player knows that the cut isn't personal," said Giesen. "The decision was made in the best interest of the team and program at that particular time."
Parental support is crucial.
Giesen believes that the parents of a player who has been cut have an important responsibility in helping their child get through the disappointment. "Parents should be supportive and understanding," said Giesen. "Making a certain team does not define your son or daughter, or you as a parent. How you react to it will. Don't bash the coach or the player. But look at what you can do to move forward."
Turn the negative into a positive.
"In some cases, being cut from a team may help a player's self-evaluation," said Giesen. This is important, because after the initial sting of being cut subsides, the process can be a great teaching tool, and a source of motivation. There are some true positives a player can take away from the negativity of being cut:
Tag(s): Newsletters


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5 Closely-Guarded Healthy Lifestyle Quotes Secrets Described in Specific Detail
Before beginning any eating regimen plan please consider all the variables and alterations this usually particulars earlier than you dive proper in! Not only will you be eating very otherwise and trying new things on the menu but additionally you can be exercising, and for some, this has not been accomplished since high school. Reaffirm the healthy life-style choice earlier than you even begin thinking about the precise weight loss plan plan. What this may do is to make you be proactive and determination rested as nicely. You have to make sure that this is something that you're going to be able to see by means of all the best way to the tip. The end never actually comes, as a healthy life-style is continual all the best way to the very end.
Take into account issues like preconception planning, make wholesome way of life choices, have intercourse at least as soon as a day close to the time you're ovulating; and having sex often; for healthy couples who need to conceive, there isn't any such thing as an excessive amount of intercourse, just be sure you follow all of the steps with a purpose to get pregnant quickly!
1. Don't Skip Breakfast. I do not eat big meals.
Plainly said, a heart attack is an issue of difficulty in pumping blood in and thru the center in consequence weak coronary heart muscle tissue or blocked arteries as a result of high cholesterol or plaque, a situation also referred to as 'atherosclerosis'. A cardiac arrest, on the other hand, is a injury or irregularity of heart's rhythm (too fast, too sluggish or simply no rhythm at all), also called 'arrhythmia' or 'atrial fibrillation'. This could happen on account of several issues: Lengthy QT Syndrome (LQTS), Brugada Syndrome, Catecholaminergic Polymorphic Ventricular Tachycardia (CVPT), Arrythmogenic Right Ventricular Cardiomyopathy (ARVC) or Hypertrophic Cardiomyopathy. Those are big and scary names, and can lead to scary heart circumstances as effectively.
Consuming meals on an consuming schedule is very important and should be performed with smaller servings. One should keep the habit of eating mild and frequent. Consuming an excessive amount of at one time can have a detrimental effect on body. However it doesn't mean that one needs to be ravenous for food. Ingesting sufficient water can also be vital as it helps in proper meals digestion. It also maintains the required water degree in body and protects from dehydration.
If sure, then this text is for you. Important abilities
Procrastination often limits individuals from ever getting in shape. Many make New Years resolutions, with the best intentions to get match, however in time, these resolutions turn out to be a distant memory and are forgotten. The first step to getting match is eliminating the negative psychological factor. First, don't over analyze or procrastinate. Sure, you need to perform a little research about your local fitness facilities and just remember to're not locking your self into a protracted, drawn out contract, however many people assume, and assume, and suppose some more about getting fit till it's means too late. Doing research on the Web is a good place to start out, but don't wait till you will have a health problem to get began. Listed below are some techniques that you could try to get you on observe:
Chocolate: Chocolate is probably the most well-known of all of the aphrodisiacs is chocolate. Maybe it is as a result of chocolate accommodates slightly "love" magic: It accommodates phenylethylamine and serotonin, two chemical substances that fireplace up the pleasure areas in the brain. So that you "might" say that chocolate is just like intercourse in that it makes you "feel good." Go easy on the chocolate although, particularly milk chocolate, as a result of in can also slow down your weight-loss course of.
To burn more calories, park your automotive a couple of floors lower than standard and then walk your approach up. Though stress can seem inevitable, there's hope! Discover a "associate" that may make it easier to stand firm in what you begin. A small assist group will help you retain your weight-reduction plan when you really feel ready to let go.


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When the COVID-19 pandemic was declared a National Emergency by President Trump on March 13, it set in motion the availability of FEMA Public Assistance Program (PAP) disaster relief funds to support educational institutions, among others, during the recovery. On March 27, 2020, additional FEMA PAP disaster relief funds of approximately $45 billion were appropriated through the CARES Act to address the public health emergency. Further, many of the longstanding FEMA policies and procedures are being loosened to streamline and expedite funding for educational institutions.
FEMA PAP is not available when funding or resources are available from another federal agency. Hence, the decision regarding allocation of the different federal funds to eligible entity COVID-19 costs and expenses is an important one. Careful advance planning is strongly recommended to ensure maximum appropriate reimbursement from all available federal funds, including FEMA PAP funds.
Set forth below are the eligibility requirements, as well as the costs and expenses eligible for reimbursement, and the immediate steps that can be taken to strategically prepare for receiving FEMA PAP relief funds.
Eligible organizations
FEMA's PAP defines Institutions of Higher Education as those which:
- Admit students possessing a high school diploma or equivalent.
- Are legally authorized to provide education beyond the secondary level.
- Award bachelor's degrees or two-year degrees which are acceptable as full credit towards a bachelor's degree.
- Are a public or private nonprofit institution.
- Are accredited by a nationally recognized agency or association (as determined by the Secretary of the Department of Education).
Eligible assistance
FEMA may provide PAP funding for the following:
- Emergency operation center costs
- COVID-19 training
- Professional disinfection and cleaning services
- Consumable supplies, like masks, protective gloves, sanitizing wipes, hand sanitizer and expenses incurred related to packaging and distributing such items
- Public health and safety communications
- Contracted security and barricades
- Administration/management costs (e.g., costs incurred to submit FEMA PAP application)
- Certain increased labor costs necessary for the COVID-19 response (i.e., overtime for budgeted medical staff and straight time and overtime for temporary staff)
- Campus medical expenses including triage; medically necessary tests, treatment and monitoring; durable medical equipment; consumable medical equipment including medications and medical supplies; and temporary medical facility expenses.
Funding will not be available for damages or losses covered by insurance. Insurance coverages must be subtracted from all applicable PAP funding in order to avoid duplication of financial assistance.
Take immediate steps to prepare for FEMA PAP relief funds
Traditionally, FEMA required PAP fund requests to be submitted within 30 days of the disaster declaration. FEMA recognized this was an unrealistic timeframe given the ongoing nature of the COVID-19 public health emergency and consequently extended the deadline for COVID-19 Requests for Public Assistance (RPA) to 30 days after the end of the declared disaster period.
Although the end of the disaster period has not been declared, and hence the final deadline for an RPA has not yet been established, higher educational institutions should nonetheless immediately begin to implement processes to secure a successful cost recovery:
1. Create an account through the PA Grants Portal to initiate your organization's RPA and subsequent COVID-19 Streamlined Project Application. Disaster relief grant programs typically have extended timelines, often upwards of 18-24 months, so creating this portal, sooner rather than later, is an important initial step.
2. Develop and implement an organized process for recording and saving all documentation, invoices and proof of payments of costs. All reimbursable expenses require detailed documentation. Be prepared to answer the five W questions (who, what, when, where and why). Higher educational institutions are well experienced in working with federal programs that require documentation to receive reimbursement. FEMA PAP relief funds will require no less documentation, and perhaps more.
3. Consider the FEMA Fact Sheet summarizing relevant financial management concepts and principles to implement during the ongoing response to and recovery from COVID-19:
– Portfolio and project management
– Knowledge of procurement and contract practices
– Document all expenditures related to the COVID-19 response
– Log and track time and expenses
– Compile cost and expense data
– Document use of mutual aid and volunteer programs
– Continue documentation processes
– Increase or adjust legal authorities
– Manage positive cash flow
4. Develop and implement a written procurement policy that complies with FEMA standards. Please be aware that any purchase in excess of $250,000 requires competitive bidding unless a procurement policy is put in place that allows for procurement under exigent circumstances.
5. Recognize that FEMA PAP funds will be provided at a cost share for approved costs and expenses, with the federal share covering 75 percent of eligible costs. The cost share ensures local involvement through financial participation. After submission of a PAP application, a program delivery manager is assigned to guide the applicant through the PAP grant development process, help the applicant gather and submit additional documentation, and ultimately submit for final processing. Once a project is approved, FEMA obligates funds to the state, and the state is responsible for disbursing money to the applicant.
6. Review the Disaster Financial Management Guide, released by FEMA in April 2020, which was designed to help higher educational institutions and others successfully use all available federal resources for disaster relief, including COVID-19 Supplemental Funding, which includes:
– CARES Act
– Coronavirus Preparedness and Response Supplemental Act
– Families First Response Act
7. Prioritize which funds to submit for reimbursement to the FEMA PAP relief program. FEMA provides funding assistance under PAP only if it is not covered by another funding source.
8. Understand that FEMA allows up to 5% of the total grant to applied to administrative costs related to applying for the grant.
Work with FEMA successfully
A significant majority of higher educational institutions have little experience working with FEMA. When communicating with FEMA it is imperative to offer clear and concise explanations of the day-to-day organizational operations to be successful in securing funding.
Tom Shorter, Varsha Gadani, David Human Jr., David Human and Karin Jacoby are attorneys at Husch Blackwell.


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MSNBC is reporting that a 46-year-old man in Taiwan "[lept] into a lion's den at the Taipei Zoo on Wednesday to try to convert the king of beasts to Christianity."
"Jesus will save you!" shouted the 46-year-old man at two African lions lounging under a tree a few meters away.
"Come bite me!" he said with both hands raised, television footage showed.
This story leaves many things to question. How does one successfully convert an animal to a religion? Do Lions have other gods? Are they Pagans, Buddhists, Jews? Furthermore, if he converted them would they have gone to mass? Would they accept the Eucharist?
Unfortunately the lions had been fed earlier in the day, otherwise this man would have won a Darwin Award.