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SPIN Plus Funding Opportunities Database
SPIN Plus is a comprehensive database containing over 40,000 funding opportunities from more than 10,000 sponsors. All UNC users can access SPIN Plus through the campus network. Simply visit https://spin.infoedglobal.com from a campus computer. Register a profile to take advantage of SPIN Plus's customization features or for off-campus and VPN access.
Click here to learn more about SPIN Plus.
Pivot Funding Opportunities Database
Pivot has been phased out as of October 31, 2017. All UNC users should register for a SPIN Plus account..
Grants.gov: Federal Grant Opportunities
Grants.gov is the federal government's hub for research funding support, connecting researchers to opportunities from across all federal agencies. Researchers can search for grants, connect with grant-making agencies, and learn more about policies specific to federal sponsorship.
Researchers can also visit the websites for individual federal agencies to learn more about their past and current grants opportunities. Resources available for researchers at UNC include
Foundation Funding
SPIN Plus includes funding opportunities from private, corporate, and foundation sponsors. Researchers may also consult the websites of individual foundations and organizations to see past and current funding opportunities, review funding trends, and to learn best practices for preparing grant applications.
Grantspace by the Foundation Center offers educational and training resources for researchers and administrators. The Grantsmanship Center maintains a list of the top giving foundations in the state of North Carolina. Both resources may be helpful for UNC researchers seeking private, corporate, and foundation sponsorship.
Carolina Internal Funding Database
The Carolina Internal Funding Database is a curated list of funding opportunities for UNC faculty and staff, postdoctoral scholars, graduate students, and undergraduate students. In addition to internal funding opportunities at UNC, the Carolina Internal Funding Database also contains selected external funding opportunities and the campus departments who oversee their application processes.
Please note: deadlines may not be up-to-date, so please contact individual departments/offices for more information about the listed opportunities.
General Grant Proposal Resources
The Center for Faculty Excellence offers a limited number of grant programs, including a writing group program and workshops targeting different types of grant programs and/or funding agencies. Likewise, NC TraCS Institute provides various learning opportunities, including R-writing Groups. See below for additional general grant writing advice:
- Proposal Writing Tips from the UNC Writing Center
- Chronicle of Higher Education "What to Say-and Not Say-to Program Officers"
- The Proposal Writer's Guide (University of Michigan)
- Proposal Writing Resources at Carolina's Funding Information Portal
- HFSP – Art of Grantsmanship
- Debunking Some Myths About Grant Writing (Chronicle of Higher Education)
- On the Art of Writing Proposals (Social Science Research Council)
- Guide for Writing a Funding Proposal
NSF Grant Proposal Resources
- UNC ORD's NSF Learning Community
- NSF's A Guide for Proposal Writing
- NSF SBE Guidelines for Writing Grant Proposals
- NSF CAREER Proposal Writing Tips (Clark Univeristy)
- NSF CAREER Award: Writing Guide (UC Berkeley)
- NSF CBET CAREER Mock Review Panel
NIH Grant Proposal Resources
- NIH Grant Writing Tips
- NIAID Sample Applications
- NIH – Write Your Application
- HHMI – Getting Funded
- NC TraCS provides proposal development assistance for projects focused on translational and clinical sciences.
- CSR Insider's Guide to Peer Review for Applicants
- Grant Review Process (NIH/CSR YouTube videos)
- NIH Extramural Nexus (blog and news updates)
Resources for other Federal Agencies
Research Hub
The UNC Libraries Research Hub maintains three locations on campus, each one providing spaces, technology, and expertise to assist UNC faculty, staff, postdocs, and students with all phases of research. Users can meet with libraries and specialists to develop new skills, share their research, and connect with colleagues and collaborators from across campus.
- The Davis Library Research Hub
- The Health Sciences Library Research Hub
- The Kenan Research Hub and Makerspace
Research and Instructional Services
Research and instructional assistance is available through the Davis Library. UNC researchers can get support with developing their research topics and locating appropriate sources. Research librarians provide support for specific disciplines and subareas, and are available for one-on-one consultations.
The Office of the Vice Chancellor for Research oversees offices that assist researchers with research and proposal development, pre- and post-awards management, compliance, human and animal research ethics, and more.
The Office of Sponsored Research maintains an Information Sheet with information for all people involved in research at the University. The sheet lists important contacts, facilities and administrative cost rates, and fringe benefits rates, alongside other frequently requested information.


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A shed is to a man what a handbag is to a woman.
Men in sheds is part of a growing, international movement which started in Australia in 2003/4. Age UK Men in Sheds have been designed to appeal to older men less likely to make use of standard "Wellbeing" services. The scheme aims to give over-50s men somewhere to go and make new friends while also learning and sharing wood/handicraft skills.
With the help of lottery funding Age UK has been providing a Shed-like workshop space; tools; equipment and a paid or volunteer co-ordinator (to support the running of each Shed) while all Shed-based activities have been left to Shed members to decide for themselves.
Private funding.
Some sheds around the country have been privately funded by the members themselves or with support from the local business community.
With activities ranging from woodworking and inter-generational skills sharing to simply socialising, Shed members are actively encouraged in retaining the day-to-day control and ownership in the running of their own Sheds.
Comfortable space.
According to research for Age Concern, for the first time more than one million older men now live alone in the UK. It also found men over 50 are often less socially active than their wives.
But whether they are lonely, want to chat over a cup of tea, or just want to get out of the house for a while, this project offers a little 'shed therapy' for men.
It also aims to promote the benefits of keeping active later in life.
The men in sheds movement has been seen to help relieve social isolation and empower people's sense of identity and purpose in later life – to addressing the often neglected health needs of older men through informal 'shoulder to shoulder' models of male sociability.
A case study.
Graham Stephens is coordinator for the Chester branch and he told me of some of his experiences:
'There are now quite a lot of Men in Sheds springing up, and more are becoming self-financing. We basically make "stuff", mostly in wood. The group decides what they are going to do and how they will go about it. I have an engineering background working in metal but a lathe is a lathe. My real skilful time in wood was when I was quite young. I also have DIY and build skills such as brickwork, tiling and mechanics… essentially broad based skills.
'I will give you a case history from our shed. A guy who was 64 and skilled (in the past) in DIY had a massive stroke. For the next seven years he did almost nothing. His GP practice suggested he come to the shed.
At the end of four hours he was in tears because, with a bit of help, he had made a birds nesting box. His family can't believe how much he has improved. He still has paralysis but there are ways around doing things with one hand – even in four hours we can change things.
On his next visit he had a request from five neighbours as they would like one. Our attendee was smiling ear to ear and quickly pleased his neighbours by providing them with a nesting box. This is just one example of how Men in Sheds works.
'Mentoring goes on all the time, a sort of buddy system. Each shed has its own character depending on who is coordinator. It's about people being able to motivate others. Some coordinators are volunteers while others get paid. Some just get together and set up their own shed.
Money making enterprise.
'Sometimes income is generated by the shed. One shed makes £850 per month by making things and selling them, but they have retired joiners with expertise and can get hold of wood to work with freely. But it needs someone to set it up, someone who has good interpersonal skills. Who can hear their story with real understanding and empathy.'
General Phone: 07500 831 395
Hartford - Unit 15, Hartford Business Park, 134 Chester Road, Hartford CW8 2AB. T: 01606 301897
Crewe - Unit 16, Brierley Business Park, Mirion Street, Crewe, CW1 2AZ. T: 01270 748645
Chester - Unit 63, Evans Easyspace, Minerva Avenue, Chester. T: 01244 389358
Ellesmere Port - Unit 25, Junction 8 Business Park, Rossfield Road, Ellesmere Port, CH65 3AS. T: 0151 3572098
The sheds are open from Monday - Thursday 10am-4pm, with the exception of the Chester Shed, which is open from Tuesday - Friday, 10am-4pm.
For more information email firstname.lastname@example.com or call 020 3033 1089.
Return to try something new
If you enjoyed men in sheds you might like to go to pastimes and pleasures

subset: commoncrawl


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Words that start with boomsd
Found 1 words that start with boomsd. Browse our Scrabble Word Finder, Words With Friends cheat dictionary, and WordHub word solver to find words starting with boomsd. Or use our Unscramble word solver to find your best possible play! Related: Words containing boomsd
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Keelung (Taipei) Shore Excursions
- 6 Comments
Located in the northern part of Taiwan Island, Keelung was called Jilong which means the rooster cage before 1875. Then its name was changed to Keelung later which means "rich and prosperous land". The Keelung port has been growing rapidly since 1961 as one of the world's most thriving and largest ports in the world in 1984. The city faces the ocean in an area of 132.7589 sqkm of land with over 90% are hills and mountain. Keelung has advantages to develop tourism industry as a large harbor in Asia.
As a coastal city and a famous travel destination in Taiwan, Keelung (Taipei) has a lot of thing to offer. Asia Shore Excursions has tailor-made a wide range of choices for shore excursions in and from Keelung Port, Taiwan which covers all the highlights of Keelung and Taipei. You can go through our recommended Keelung (Taipei) shore excursions, if you do not find any suitable tours, please contact us and we will help you customize a unique excursion that exclusively for you. Our shore excursions are specially designed to depart from the port of Keelung (Taipei) and accommodate your shore time while in Taiwan.
Taipei – Around Chiufen Village
Rolling in the romantic beauty of Taiwan's northeast corner with this shore trip. Witness the majestic ocean view from the Pitouchiao Cape, stroll along small Chiufen Village with lines of colorful lanterns and lush green mountains behind…Find out more
The Magic of Shifen & Pingxi
With a private guide and driver, discover the wonders of northeast Taiwan on this Essence of Pingxi excursion. Explore the nostalgic, relaxing ambiance in Pingxi, walk along the old tracks at the Pingxi Railway and dine on the savory snacks in the marketplace…Find out more
Taipei Highlights
Discover the best of Taipei in this incredible guided trip that covers most prominent landmarks in the city. Delve into the history and heritage of ancient Chinese millennia at the National Palace Museum and Longshan Temple. Learn about Taiwan's…Find out more
Yehliu National Geopark & Jiufen Gold Rush Town Discovery
Whether you're a nature lover, a movie buff or even none of these things, you'll still love this amazing private day trip to Yehliu National Geopark and Jiufen. Stand spellbound by the fascinating geological formations at Yehliu before perusing…Find out more
Taipei City Tour
If you have limited time, this guided private tour takes you to major landmarks in Taipei that you may have missed otherwise. Explore the best highlights of Taipei as you visit the National Palace Museum, Taipei 101 Building, Longshan Temple…Find out more
6 Comments
March 13
Keelung from Superstar Virgo
for 14 pax
7pax (4adults 2 kids 1 toddler)
naha on april 6 & keelung april 7
in naha we want to see: kokusai dori, world heritage
in keelung we want to see: taipei 101 chiufen village
how much? private vehicle? with meals or not?
Keelung from starcruise superstar virgo. 8 adult 2kids. How much per head. Thanks


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Nexans MOTIONLINE® CAT7 cable enables high-speed Industrial Ethernet in drag chains
Nexans is showing a 10 Gigabit Industrial Ethernet cable developed for demanding drag chain applications at SPS IPC Drives 2015 in Nuremberg, November 24-26 2015, hall 5, booth 130
Paris, November 19, 2015 – The new MOTIONLINE® CAT7 Industrial Ethernet cable from Nexans has been developed to meet the highest data transmission demands of the automation industry. It provides 10 Gigabit Ethernet capability in a flexible, wear and fatigue resistant cable designed specifically for drag chain applications.
The new cable can withstand temperatures of up to +80°C. It is also oil and chemical-resistant, halogen-free, flame-resistant, and highly abrasion-proof. With a maximum signal frequency of 600 megahertz, it is perfect for applications such as the connection of high-resolution, high-speed cameras for process monitoring and quality assurance.
The CAT7 cable is ideal for drag chains due to its small bending radius – a minimum of 10 times its diameter. Thanks to an elaborate shield design, the highly flexible cables allow trouble-free data transmission with the high-performance variant capable of 5 million bending cycles at 12 times its diameter. The overall braided shield is made of copper, with a braided foil shield and an aluminium foil wrapped around each wire pair. For lower mechanical loads, an alternative model is available without a braided shielding around individual wire pairs, capable of at least two million bending cycles at the same bending radius.
Both MOTIONLINE® CAT7 drag chain cable variants have been tested at the Nexans Motion Application Centre. They are RoHS-compliant (Restriction of Hazardous Substances) and certified to UL (Underwriters Laboratories) and CSA (Canadian Standards Association).
Designed for harsh drag chain applications for several millions of bending cycles: the new CAT7 Industrial Ethernet cable from the Nexans MOTIONLINE® series.
Related Document
Your Contact
About Nexans
Nexans brings energy to life through an extensive range of cables and cabling solutions that deliver increased performance for our customers worldwide. Nexans' teams are committed to a partnership approach that supports customers in four main business areas: Power transmission and distribution (submarine and land), Energy resources (Oil & Gas, Mining and Renewables), Transportation (Road, Rail, Air, Sea) and Building (Commercial, Residential and Data Centers). Nexans' strategy is founded on continuous innovation in products, solutions and services, employee development, customer training and the introduction of safe, low-environmental-impact industrial processes.
In 2013, Nexans became the first cable player to create a Foundation to introduce sustained initiatives for access to energy for disadvantaged communities worldwide.
Nexans is an active member of Europacable, the European Association of Wire & Cable Manufacturers, and a signatory of the Europacable Industry Charter. The Charter expresses its members' commitment to the principles and objectives of developing ethical, sustainable and high-quality cables.
We have an industrial presence in 40 countries and commercial activities worldwide, employing close to 26,000 people and generating sales in 2014 of 6.4 billion euros. Nexans is listed on NYSE Euronext Paris, compartment A.
For more information, please consult: www.nexans.com


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Background and Objectives: Photocatalytic oxidation (PCO) is a promising method for the removal of volatile organic compounds (VOCs). Photocatalytic oxidation process, despite its advantages, has disadvantages such as deactivation of photocatalyst. The deactivated photocatalyst can be active through thermal abatement, ozonation, exposure with clean air and UV radiation.
Materials and Methods: In this paper, the deactivated TiO2 and ZnO catalysts were exposed to clean air flow and UV radiation for 6, 12 and 24 hours. After exposure, the efficiency of reactivated catalysts in photocatalytic oxidation of chloroform was examined.
Results: The results showed that clean air flow and UV radiation can be active the deactivated catalysts. The highest and lowest removal efficiency of chloroform by reactivated catalyst was an average of about 34.50 and 10.50%, respectively. The maximum and minimum rate of activation were 34.50% and 10.50%, respectively.
Conclusion: The rate of activation was a function of exposure time with pure air and UV radiation. The maximum of activation achieved after 24 hour exposure.


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Is the Stock Market Crashing? The Worst Year Since 2008
On Sunday, CNNMoney published an article describing the stock market as the "crummiest year for U.S. stocks since the implosion of Lehman Brothers." Does this mean Americans need to be prepared for a slide back into the Great Recession? Did it ever actually end?
Experts are pointing the finger at modest earnings, valuations, and China as the prime drivers moving the market down. However, what I see is the natural outcome of 20 (or more if we include Greenspan starting in 1987) years of government attempts to control the economy. We are seeing a market adjustment but, in my opinion, it is the market trying to find an authentic bottom.
How Did We Get Here?
Let's start with seven years of near zero interest rates from the Federal Reserve. We can also look at, after the 2008 Stock Market Crash, the Fed deciding to purchase $800 Billion of debt and mortgage backed securities. This was after Congress passed the Troubled Asset Relief Program (TARP), a $700 Billion fund to purchase bad assets and equity from financial institutions.
Obama then signed a $787 billion economic stimulus, called the American Recovery and Reinvestment Act, just 4 months after TARP. A month later, the government jumped in to bail out General Motors and Chrysler. We could keep going, but let us not dwell on the past, right?
If you have been following the news recently, you know Congress just passed a temporary measure to keep the government running until December 11th. If Congress does not raise or suspend the debt ceiling before then, we will face a government shutdown. The current debt ceiling is $18,1 Trillion. What has all this debt bought us?
The False Recovery
Obama, and his supporters, credit his stimulus plan for the "economic growth" since he took office. Unemployment is down significantly (now roughly 5.1%), and we have had steady job growth over long period of time. Sounds good, right?
What about the stock market? Since October 10, 2008, the S&P 500 is up more than 852 points (or 77.5%). The Dow Jones Industrial Average is up over 6146 points (or 59.5%). Sounds good, right? Then how do we explain the S&P being down 5.22% YTD, and the Dow Jones losing 7.58% of value?
If we take this down to the individual level, despite the fact the economy has added the most jobs growth since 1999, incomes are 6.5% below 2007, before the Great Recession, and 2.3% lower than 2009, when the recession ended. Moreover, workforce participation is the lowest it has been since the 1970s. Things are getting worse, not better, for the average American.
It is possible for the S&P to drop to 1526, and the Dow to drop to 14066. These are not the lows from the 2008 crash, but the closing numbers a year earlier, October 5th, 2007. The next crash may not return us to the lows 2008, but could still potentially wipeout eight years of gains. This is because government intervention never allowed our economy to heal.
Government Touching Stuff
What we have had is seven years of the government picking winners and losers. The government has spent massive amounts of taxpayer money believing if they exerted more control over the distribution and exchange of wealth, they could create prosperity. How does that seem to be working out for us?
Americans need to stop having short memories. The housing bubble manifested because of government touching stuff, attempting to control the distribution and exchange of wealth, not Wall Street. The Clinton Administration used the housing market as a social program, wanting to make it easier for "poor people" to get mortgages and realize the American Dream. The road to Hell is paved with good intentions.
We all saw it, and many of us participated in it. We were given cheap and easy money. There were easy to get 110% mortgages. You could easily get no-doc mortgages, with stated value and stated income. It all caused a feeding frenzy, and a false housing market. It was unsustainable. Few wanted to admit it though, especially the Democrats who protected the house of cards Clinton created to the very end, then acted surprised and pointed fingers when it collapsed.
The Next Stock Market Crash
I'm just a commentator, a talking head, not a financial expert. However, I do closely follow what is going on, and pay attention to the trends. The stock market seems to be testing for a bottom. If that is where we are at, then I believe we will see several years of a flat economy.
Unfortunately, I am of the mindset stocks are still overvalued. and there is plenty of potential for the stock market to go lower. Government touching had investors forgetting how bad the underlying economic situation is, and a new false market was created. The "good years" of the stock market, since 2008, were manufactured by government attempts to control the distribution and exchange of wealth.
The end result has been more wealth in the hands of the few, and more reliance on the government for the many. There are a record number of families on food stamps. Roughly 15% of the population lives under the poverty line, a 50 year record, and the Middle Class is shrinking. The economic interventionism of the government has been a failure.
The decline before the 2008 stock market crash started over a year before, mid-July 2007. The stock market today has been in decline since the beginning of March. We all need to keep a very close eye on what is going on. For me, I am out of the stock market until further notice. If the government again tries to prop the economy up, the whole process could be slow, painful, and prolonged.


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Gaitan et al v. America's Servicing Company et al
Filing 16
ORDER RE: Defendants' Motion to Dismiss 5 and Plaintiffs' Request for Dismissal 14 . Signed by Judge Elizabeth D. Laporte. (Attachments: # 1 Certificate of service) (lmh, COURT STAFF) (Filed on 8/12/2010)
Disclaimer: Justia Dockets & Filings provides public litigation records from the federal appellate and district courts. These filings and docket sheets should not be considered findings of fact or liability, nor do they necessarily reflect the view of Justia.


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Customer Care
Please do get in touch with us!
We love to hear from you at Wild Nature. Please use the form to send us your message or ideas. Or feel free to call at our Byron Bay factory to take a browse:
Wild Nature Australia Pty Ltd
Wild Nature Head Office
86 Centennial Circuit
Byron Bay Arts & Industry Estate.
Byron Bay, N.S.W 2481
Email: email@example.com
Phone: +61 2 6680 7220
Fax: +61 2 6680 7249
Opening Hours:
Monday to Friday: 9am - 5pm
Saturday: 10am - 2pm


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@nunayobiznus I still need to watch that some day.
Star Trek Discovery is rapidly approaching its premiere and we still don't know which continuity it is in, just that it honors it.
Starting with the 2009 film, there are multiple continuities about the early days of Starfleet. Currently, we don't know where Discovery sits. Is it the original series? Is it the Kelvin timeline? We just don't know. Alex Kurtzman spoke with CNET this week and told us it at least follows…s omething.
If you are a fan of Trek you are going to see a lot of things which hearken back to the original series and elements of the original series…I'm not just talking plot, but the spirit of what that show was.
We are going to be revisiting a couple of things on Star Trek: Discovery that I think people are going to find familiar. Without spoiling anything we are adhering to a timeline and sticking to the rules, but also I think finding some new areas and avenues that have only been alluded to, but never fully explored.
The only thing that makes me think it is original continuity is the following:
You've got a roomful of people with very different and very devoted relationships to Star Trek in that writers room. And that carries on a pretty proud tradition of Trek being written by fans. You have to respect canon as it's being written. You can't say, 'That never happened.' No, no no, you can't do that, they would kill you. Star Trek fans would kill you.
No, you have to respect canon. You have to understand the timelines and what the different timelines were and what the different universes were and how they all worked together. You have to keep very meticulous track of who, what, where, when and why. And we have people in the writer's room whose sole job is to say, 'Nope, can't do that!'
People don't get worked up over the Kelvin timeline, but they sure do over the original.
I guess we'll find out Sept. 24 when Star Trek Discovery premieres.
Source: CNET .


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Asset Protection Planning
Our Frisco and Plano Estate Planning Attorneys Help You Develop a Smart Plan
Albin Roach takes a two-pronged approach to asset protection. First, we strategize ways to preserve your wealth during your lifetime, including minimizing tax liability and avoiding financial depreciation. Second, we organize a plan that leaves as much of your property as possible to the beneficiaries you choose, rather than the IRS and creditors. We coordinate your asset protection and estate plans using a variety of tools tailored to your individual financial and familial situation and goals.
Establish a Trust
Assets held in trust belong to the trust, not to the individual grantors or beneficiaries. Certain types of trusts allow you to enjoy the benefits of your wealth, while producing asset protection benefits, such as:
- Reducing taxes during your lifetime
- Reducing estate taxes owed by your estate after your death
- Protecting your property from creditors
- Managing funds on behalf of minor children
- Supporting your family in the future
- Ensuring money is available to care for your pets
- Creating an account to maintain real property, art or a charity
A variety of trusts exist that fulfill their own unique objectives. Including the correct language in your trust is crucial for the instrument to produce the results you want. Our Frisco and Plano estate planning attorneys evaluate your goals to choose the right type of trust.
Remain Mindful of the Estate Tax Minimum
Upon your death, your estate is responsible for paying estate taxes to the Internal Revenue Service (IRS) and Texas if your property is above the value prescribed by the tax codes. Both Congress and Texas adjust this limit periodically, so it is important to know what the exemption amounts are from year to year. Our lawyers stay current on the estate tax requirements and we advise you on your options when your portfolio nears the estate tax exemptible amount.
Make Gifts Equal to Annual Exclusion
The IRS allows your estate to exclude a specified amount of gifts you made annually and over your lifetime from your estate for estate tax purposes. The Congress and the IRS continually revise the allowable annual and lifetime gift amounts. We can help you avail yourself of the full permissible amount.
Sign a Prenuptial Agreement
Texas is a community property state which means when you get married your income and assets acquired during the marriage are presumed to be community property and your spouse has the right to a portion of the community estate. However, you and your spouse can negotiate a prenuptial agreement that alleviates the uncertainties faced by many couples upon the death of a spouse or a divorce. Before you marry, discuss your options for preserving your property and preparing for your future. Our family law and estate planning attorneys work together to protect your assets in a manner that is respectful and fair to your soon-to-be spouse.
Develop an Asset Protection Plan with the Help of Our Frisco and Plano Estate Planning Attorneys
Albin Roach tailors an asset protection plan focused on your objectives. To schedule an asset protection evaluation, call our estate planning law firm at 214-423-5100 or contact us online.


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Go Direct!
February 14, 2012 in BB Tutorials, BB Tutorials, Distance Learning, Faculty, Student
Did you know that you can sign into Blackboard directly without going to the MyVCCS or MyWCC portal? Occasionally, we will experience temporary network or power outages that shutdown the WCC website or portal pages.
Access Bb directly by going to https://learn.vccs.edu (I recommend bookmarking this address) and use your established username and password.
Don't let a little outage keep you from getting your work done!
Ken Fairbanks
Director of Distance & Distributed Learning
Wytheville Community College


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BCGEU reaches tentative contract deal with B.C. government
The NDP government and the BCGEU have reached a tentative contract deal, months before the main public service contract is set to expire next March 31.
The B.C. Government and Service Employees Union announced the three-year tentative agreement with the B.C. Public Service Agency on Wednesday. It covers some 26,500 people who work directly for the provincial government and is likely to set a standard for talks with smaller unions.
The union said the deal includes wage increases each year and targeted increases in specialized fields to make it easier to easier to attract and keep specialists. However, neither the union nor the government released details of the deal, saying that would happen during the ratification process.
BCGEU president Stephanie Smith said in a news release that the deal involved intensive talks, sometimes running past midnight.
"We believe we've made substantial progress in a number of key areas."
Finance Minister Carole James said in a statement that the deal was the first of 183 contracts the government has with various unions, most of which expire next year.
It is also one of the bigger ones. The tentative agreement covers 21,800 employees in the B.C. public service who are members of the BCGEU. The BCGEU main agreement also includes 4,200 employees of the B.C. Distribution Branch and 480 employees at the B.C. Pension Corporation.
The union said it will provide a comprehensive report on the agreement before a ratification vote, scheduled to take place "in the coming weeks."


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Oman's telecommunication service providers have performed well in the first quarter of this year, thanks to better demand for telecom services supported by the robust economic activity. In fact, a strong growth in broadband data service has compensated a fall in revenue from short message service (SMS) and international calls provided by multinational giants like WhatsApp. Heavy investments in network expansion, broadband connection even in far-flung areas and innovative services have all helped the companies to achieve better results, despite cut-throat competition and saturation in mobile and fixed line services.
Investment led growth
In the last couple of years, the majority state-owned Oman Telecommunications Company (Omantel) has invested heavily in fixed line infrastructure, latest 4G technology and for expanding high-speed broadband network. Similarly, Oman Qatari Telecommunication Company (popularly known as Ooredoo) has invested in 4G technology, broadband data capability, fiber optic network and turbo-charging programme. All these are in line with the global trend in state-of-the-art technologies and new services. Ooredoo has invested close to RO80 million in 2013 for expanding and upgrading network and a similar capital investment is expected in the coming years as well.
According to latest statistics, Omantel has achieved 96 per cent coverage in the case of 2G network. The national telecom firm has also increased its home broadband speeds for its large number of customers across the Sultanate. Customers with home broadband plans have already been upgraded to the new speeds based on their individual subscriptions. Ooredoo is not behind either as the company has launched their new 4G/LTE Home Broadband services for prepaid and postpaid customers in the recent past. Using their LTE network gives customers an online experience up to three times faster than 3G, for everything from surfing to movie downloads, music streaming and online gaming. The launch of LTE broadband places Oman alongside the world's leading countries. Both telecommunication firms – Omantel and Ooredoo Oman – have performed well in the first quarter. Oman Telecommunications Company has posted a 7.6 per cent growth in net profit at RO129.4 million in the first quarter of 2015, over the same period last year, while the group's net profit edged up to RO34.6 million from RO34.4 million during the period. Net profit has been impacted by the losses incurred by its subsidiaries. However, the domestic performance continues to be impressive achieving a revenue growth of 8.4 per cent to RO127.5 million against RO117.6 million for the same period of 2014, while domestic net profit increased by 5.1per cent to RO35.9 million.
The Sultanate's second leading telecom firm, Ooredoo Oman, has achieved a robust 22 per cent growth in net profit at OMR10.7 million in the first quarter of 2015, over the same period last year. The company is reaping the benefits of its heavy investment in network expansion over the past few years. The company's revenue was RO59.3 million for the first three months of this year, against RO52.7 million for the same period last year. The majority of revenue growth for both companies is being contributed by the broadband business, especially mobile broadband service. In the case of Omantel, its carrier-to-carrier business will emerge as an important contributor to the company's growth in the coming years. In recent years, the company has invested in several trans-national cable networks like Asia-Africa-Europe submarine cable network. Apart from strategic location, political stability is considered as an important factor that helped Oman attract landing stations to the country. These investments underscore the strategy of diversifying away from traditional telecommunication services and exploiting growth opportunities outside the country.
The Sultanate has around 7,500km of optic fibre network connectivity and the introduction of inter-connection of optic fibre network has helped telecom firms to avoid disruption in service during bad weather conditions. In fact, the speed of Internet services is expected to improve in the future as telecom firms are switching over to high-speed fibre optic cable networks for the next phase of long-term development, which is mainly supported by Oman Broadband Company.With the recent formation of a new state-owned entity for fiber optic network (Oman Broadband Company), the initiative is expected to speed up in the coming years, mainly in the Muscat governorate. All these initiatives are also in line with the Telecommunications Regulatory Authority's (TRA) national broadband strategy, aiming to introduce high-speed Internet connection throughout Oman, especially in far-flung places. TRA has launched the National Broadband Strategy in 2010, which aims to introduce a broadband connection into every home and business.


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|Property type
A brand new 2 bed roomed, fully furnished, self contained unit, based in the lovely suburb of Mindarie Keys. The unit has one double room, and one twin room with bunks beds, bright and sunny lounge, well equipped kitchen, bathroom, with shower unit, all located on one floor. There is an outside alfresco dining/bbq area with sea views. the unit has Reverse cycle air-conditioning with cool air for the warmer months and warm air for the cooler months. There is off street parking available for one car.
The unit is adjacent to the main home but is completely detached from the main property to ensure complete privacy during your stay.
The nearest beach is Quinn's beach which is just a few minutes walk away. The beach is patrolled and has a safe swimming enclosure. Located at Quinn's Beach is one beach side café and restaurant with its own play area, and another cafe, at the opposite end of Quinn's beach, with a beachside play area just across the road - Great for families with young children.
There is a coastal walk from Quinn's beach which takes you to the beautiful Mindarie Marina, where there are couple of bars, cafés and an Indian Restaurant, all with stunning views over the Marina.
We are close to a number of amenities including a shopping centre with a supermarket, newsagent, post office, bakery, hairdresser, pharmacy, fish & chips and liquor store. A larger shopping complex is 5 minutes drive away at Ocean Keys, Clarkson.
Mindarie is located 30 minutes drive from Perth's CBD and 45 minutes drive to Perth Airport. We are also 15 minutes drive from Joondalup City Centre.
Great for holidays at the beach, friends or family visiting relatives living in Perth, or those starting a new life here in Sunny Perth. Local schools situated nearby and discounts apply for bookings over 2 months.
Loved staying here, was perfect for our family. Everything we needed, clean, great location. Would certainly recommend to friends and family.
Had a fantastic stay at the Mindarie Beach House, really comfortable and clean, with all mod-cons, the owners have thought about pretty much everything you would need on a s/c break, brilliant base to explore Perth and surrounding areas, loved it :)
We loved the location, bathroom was huge, great heating, courtyard with ocean views. The pictiurs des not do it justice. Would stay again for sure. Bed was very comfortable.
Had an awesome stay here, unit was well equipped and very clean. Recommended ++++
Nice brand new, cosy, quiet, comfortable place close to Quinns Beach and the Marina. Just what we were were after, close to amenities and our friends in Mindarie. Cheers.
My husband, daughter and I came to Perth for the week and were able to relax in this cosy place the whole time. The owners are very helpful and accomodating and the location is perfect - close to everything you need and away from any traffic or noise. Right near the beach, you can see it from your driveway :)
Quinn"s Beach


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DCNR > State Parks > Find a Park > Nockamixon State Park > Nearby Attractions to Nockamixon State Park
Information about nearby attractions is available from Visit Bucks County.
State Game Lands 157: the 2,010 acres adjoin the northeast border of the park. Hunting and hiking are popular activities. Hiking trails are not blazed.
Delaware Canal State Park: visitors enjoy biking, hiking, boating, and learning about the canal building era of American history.


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Michael and Eve have been married for 5 years. Their marriage was going well, they lived together and they had shared plans for the future and dreams also… until Eve discovered that Michael was having an affair with a colleague from work. It turned out that this is not just a mere infatuation, but Michael wants to tie up with his new partner, and therefore filed for divorce. However, Eve, despite the harm it caused, still loves Michael and can not imagine life without him. She decided that at all costs she will save their marriage and will not let him go. Is Michael allowed to divorce Eve?
In this situation Michael is undoubtedly guilty of marriage has broken down. Through his treachery he violated the vows and loyalty to the spouse. His right is to demand dissolution of marriage, because it is the law that entitled each spouse and the right that can not be questioned. However, in a situation where only the guilty spouse wants a divorce, the innocent spouse has the right to decide the fate of their marriage. He may agree to a divorce, but also can not express this agreement. Eve has a legitimate reason not to agree to the divorce – she loves Michael and wants to give him a second chance. Although this may seem naive, the court will have to take into account the decision of Eve and probably not judged divorce.
Law rule:
Art. 56 § 3 Kodeksu rodzinnego i opiekuńczego (eng. The family and guardianship code)
Divorce is also not admissible if it is requested by the spouse exclusively guilty of the breakdown, unless the other spouse agrees to the divorce or the refusal of consent to the divorce is under the circumstances incompatible with principles of social coexistence.
Can be marriage of Eve and Michael untied? Is there any way to oppose Eve's decision? Well, the court will not be able to accept Eve's refusal, if it is under the circumstances incompatible with principles of social coexistence. This would be the case if the denial deserves condemnation from the moral point of view, for example spouse wants to harass the other one in order to disrupt his life due to his decision. The decision to refuse the divorce should be assessed objectively, so if the facts of the case indicate that refusal is not good for nothing else as inflicting harm to a spouse wishing divorce, the court should not accept such a decision.
Returning to the example of Michael and Eve, if we imagine, that Michael became involved permanently with his new partner, they have a common child, and there are no longer ties between Michael and Eve, but she still does not agree to divorce, the court should thoroughly consider the legitimacy of the Eve's decision. Court should carefully examine the relationship of Michael and Eve, especially is it completely dead, without any chance for renewal and is Eve the only reason to prevent Michael legalize his current relationship with another woman. The court will have to carefully assess whether, in the specific circumstances of the case shall he protect the right to the innocent spouse to maintain the existing marriage or the right to divorce a guilty spouse and legalize his informal relationship in which he remains. The evaluation may turn out that the refusal decision to divorce is misplaced, and the marriage should be dissolved, because there is no future or grounds for further existence.
Important notes:
- if spouse requesting the divorce has only culpable causes of marriage dissolution, the other spouse can not oppose the divorce,
- spouse may oppose the divorce only if he is innocent or on its side there are only culpable causes and not so serious that would make complete and permanent disintegration of marriage,
- consent to the divorce should be expressed before the court in a way clear and completely safe, freely, without any pressure or threats of any of the parties,
- the consent given earlier but withdrawn after is treated as if it were not given,
- court will study the other conditions permitting divorce: durable and a complete breakdown of marriage, lack of negative impact of divorce on the welfare of the minor children, no contradiction with the principles of social coexistence.
Useful judicial:
Court of Appeal in Katowice on 15.07.2004 r., ACa 375/04; Supreme Court on 07.08.1959 r., I CO 16/59; Supreme Court on 01.07.1969 r., II CR 528/68; Supreme Court on 05.15.1956 r., I CR 746/55, Supreme Court on 26.02.2002 r., I CKN 305/01, Supreme Court on 28.02.2002 r., III CKN 545/00
If you need legal advise or want to consult your case, contact with me by contact form HERE.


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After you have created the search page, you can publish your site and begin using it immediately.
After a search is requested, the search form component creates a results page. Search results are displayed on a page that's very similar to the search page. It has the same theme, graphics, and layout; a search form component; and a table of results.


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Ryan Moore has aligned himself with some pretty serious company on the PGA Tour.
With nearly $21.7 million in career earnings, he sits inside the top 50 all-time. And Moore, who grew up in Puyallup, is less than a million dollars away from chasing down Seattle's Fred Couples ($22.6 million) as the Northwest's all-time money leader in golf.
He has four career victories as part of his 51 top-10 finishes in 262 PGA Tour starts.
Yet, when it came time for Moore to discuss his 10-year run on golf's best tour, he sounded like a man celebrating his 60th birthday.
"Last year is honestly a bit of a blur, and I am not sure why," Moore said. "It wasn't like it was busy. … But I don't remember a lot of it.
"Maybe it was … the 10 straight years of being out there, traveling 30 weeks (a season). Something about that caught up to me, I got worn out midway through the year, and I do not know why."
Like he has been known to do throughout his career, Moore made a change for the upcoming season. He's vowed to get enough rest this year.
That is why he started his winter season late by debuting at last week's Waste Management Phoenix Open instead of in Hawaii or at the CareerBuilder Challenge (formerly the Bob Hope Classic) in the California desert to kick off the West Coast swing.
Moore, 33, said he needed the three months off to recuperate.
"I had a decent fall with a couple of top 10s. But when I got home, I got comfortable with the three-month break," Moore said. "I played the least amount of golf in the past 10 years. I practiced playing and had things I was working on. But the rest was very, very important to get recharged for this year. I am really, really excited about playing golf again."
The rest didn't mean any rust in his game. In Phoenix, he carded three sub-70 rounds (the other was a par-71) and finished tied for 11th, good for a check of $149,500. He's in the field for this week's AT&T Pebble Beach Pro-Am.
Moore also added something to his offseason he had never considered: a team summit getaway.
Last November, Moore, caddie J.J. Jakovac, swing instructor Troy Denton, agent Jeremy Moore and younger brother Jason, Ryan Moore's former caddie, all flew to St. George, Utah, for a three-day retreat.
Staying at a hotel, the group played golf, then got down to the business of evaluating Ryan Moore's golf organization, on and off the course.
"We were all honest, and at times, (Ryan Moore) did not like what he heard," Denton said. "We had some good talks."
An astute self-assessor, Ryan Moore agreed that listening to others' criticism about his practice and travel routines hit him flush.
"It is sometimes hard to hear what people say … when they get free rein to discuss what you did well and what you did bad," Ryan Moore said. "But I have a great team around me, and I want to utilize them fully."
From that meeting, Ryan Moore said he will make an adjustment in his travel in 2016, trying to leave tournaments on a Sunday night to return to his family in Las Vegas. He added that he will leave a day later than normal — usually on a Tuesday — during tournament weeks.
"It was about trying to find ways to make life better for me," Ryan Moore said.
Todd Milles: 253-597-8442, @ManyHatsMilles


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In the golden age of cinema, the good guy would warn the bad guys, "You're going to swing for that."
Today, Hollywood cops don't taunt evildoers with execution. More often, the man with the badge promises criminals a lifetime of hell on earth -- as a rape victim.
A supercut of prison rape threats in crime dramas, low-budget comedies and even Oscar-contending films shows just how absurd -- and how common -- Hollywood's go-to taunt has become, even though rape ranks just below child molestation on the not-funny list.
"Do you know what happens to pretty boys like you when they go up to the farm on statutory charges," Woody Harrelson says in HBO's "True Detective," a line echoed almost word-for-word by Christopher Meloni and Denzel Washington in other Hollywood cop moments, as if it were as routine as reading suspects their Miranda rights.
To be sure, prison rape is a serious problem. The Department of Justice interviewed more than 92,000 adult inmates in a 2013 National Inmate Survey, and the survey found that 4 percent of the respondents said they'd suffered "one or more incidents of sexual victimization by another inmate or facility staff," just in the previous year.
That figure would probably be significantly higher if not for the shame and fear of retaliation that prisoners typically experience, according to Jesse Lerner-Kinglake of Just Detention International, a health an human rights organization.
"One other important thing to keep in mind about the Bureau of Justice Statistics figure is that it's measuring the number of people who are sexually abused, not the number assaults," Lerner-Kinglake says. "This matters because so many people are sexually abused over and over again, even within one year."
"It's our view that myths surrounding prisoner rape -- myths that TV and movies have helped propagate -- are a huge obstacle to ending this crisis."
Of course, it should also be noted that in "Hang 'Em High"-type Westerns, lawmen might have been accurately pointing out the penalty for committing murder when they taunted outlaws with the gallows. Rape has never been condoned as a punishment.
"Prisoner rape does not prevent crime," Lerner-Kinglake says. "No link has ever been found between sexual abuse in detention and lower crime rates. In fact, stopping rape inside of prison benefits the community at large. It's easy for people to forget that the vast majority of prisoners are released, bringing their trauma – and diseases – back to their communities. This is an issue that should matter to us all."
[Special thanks to Filmdrunk and its commenters for helping with crowdsourcing.]
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This car insurance directory is here to help you save time to find the contact information you require for your insurance company. if you need any help please contact our customer service team on our contact page.
What we do for you
Car Insurance Advice – Getting your hands on very cheap car insurance can be quite simple, but only if you are prepared to invest some time on the internet looking for the right car insurance you will find cheaper car insurance quotes. We provide you with the knowledge and Car Insurance Advice in order to help you successfully achieve acquiring cheaper motor insurance from authorised and regulated insurance providers.
Saving is easy
A careful choice of the words
what you choose to describe your job could save as much as £340 off your car insurance premiums. Many insurers place a heavy emphasis on drivers' professions when it comes to quotes because certain jobs, such as a window cleaner, may be judged to be more accident-prone than others.
Ditch your add-ons
Insurers often offer customers add-ons, such as breakdown cover. However, customers may not need these extra services, or may already have them as part of a packaged current account, such as Nationwide's FlexPlus account, so it's worth double checking.
is my car insured?
Compared quotes from 12 insurers in a mystery shopper experiment for a low-risk driver of a Ford Fiesta, north-east England, and a high-risk driver of an expensive Audi. For the Ford driver, the cheapest quote was from Admiral, for drivers under the age of 30.
Choosing the right car insurance policies cover for you
You are lawfully obliged to have car insurance. Here is some Car Insurance Advice, there are three levels of cover to browse and strangely the best cover – fully comprehensive – is the least expensive. It is good to know how your no claims bonus functions and how to get the excess levels appropriate on your policy.
Do you require car insurance?
YES: lawfully you should have no less than an essential level of car insurance, called third party insurance, regardless of whether you do or don't drive the car. The main special case is whether you formally enlist your car as off the road, with a Statutory Off Road Notification (SORN).
The levels of car insurance
- Third party
- Third party, fire and theft
- Comprehensive
Third party – the base you can legitimately have
Car Insurance Advice: Third party insurance covers other individuals (Third parties), yet not you. If you harm somebody or harm their property, they're secured yet in the event that your own car is harmed or stolen, you need to pay for the misfortune yourself. Try not to accept it's the least expensive. For some odd reason, you can in some cases get more cover for less cash, so dependably check. Is it appropriate for you? Potentially, in the event that you can't get sufficiently estimated far reaching insurance. This is normally when:
- you don't have a no cases reward
- you live in a region that is viewed as high-chance for wrongdoing and different dangers, or
- your car is worth not as much as say £1,000 and you can bear to purchase another car on the off chance that you have a mishap.
- Check the hazard in your general vicinity
Third party, fire and robbery
Car Insurance Advice: Third party, fire and burglary covers other individuals. Thus, in that regard, it resembles Third party. Be that as it may, if your own car is harmed, you need to pay for it yourself. The distinction is that it covers repairs or substitution if your car is stolen or harmed by flame. Like Third party insurance, Third party, fire and burglary isn't generally less expensive than completely far reaching spread – dependably think about costs.
Fully comprehensive – The most elevated amount of cover.
Car Insurance Advice: Over the essentials of Third party, fire and robbery, it's the main sort that spreads you in the event that you harm your own particular car, regardless of whether the mischance was your blame.
You can guarantee for:
- repairs after a accident
- unintentional harm, or
- vandalism, say on the off chance that somebody intentionally scratches your car.
Furthermore, if important, you may legitimately have the capacity to drive other individuals' cars in the event that you have their consent – yet for the most part you'll just have Third party cover, which implies you have no cover on the off chance that you harm the car you're driving.
Check your approach points of interest carefully on this – they're all unique.
Policy checklist
There are a few things that more often than not accompany far reaching car insurance – yet not generally.
They may be vital to you, so check your approach carefully.
Check in case you're secured for:
- car stereo, speakers or sat-nav
- individual effects that are in the car
- vehicle recuperation or mischance transport, and
- windscreen harm and misfortune or robbery of keys.
Different things to ask:
Will I get a kindness car? It's brief comment while yours is being repaired, however you may just get it in the event that you utilize an endorsed repairer. Check to what extent you can keep the car – a few insurers constrain this cover to in the vicinity of 14 and 21 days.
Do I need to utilize a particular repairer? Your cover may be influenced on the off chance that you don't utilize an affirmed repairer. For instance, a few insurers confine the windscreen cover on the off chance that you don't utilize the endorsed repairer.
Would i be able to include named drivers? These are additional individuals who can drive the car under a similar arrangement, maybe a companion or kid. We've assembled a rundown of things to check for when you're looking at car insurance approaches – simply take after the connection beneath
No claims Bonus – what it is and how it functions
The less you guarantee, the more joyful your insurers will be. Insurers give a markdown on the off chance that you don't assert inside the approach. Your no cases reward develops each year you don't make a claim. Normally the scale is:
- 30% off following multi year
- 40% off following 2 years
- half off following 3 years
- 60% off following 4 years, and
- at least 65% following 5 years
In the event that you have a mishap and you guarantee for it, you for the most part lose two years of no cases reward and your premiums go up. On the off chance that you have in excess of one mischance in multi year, you may lose the majority of your no cases reward. In the event that you have a mischance and don't guarantee, you keep your no cases reward yet your premiums may at present go up. It would be ideal if you note, you should inform your guarantor of any mischances regardless of whether you don't guarantee. Neglecting to do this may mean a future claim is won't.
Ensure your no cases markdown reward With a few insurers you have the choice to purchase 'no cases markdown assurance'.
You would then be able to make claims without it influencing your no cases reward. The terms set will fluctuate, yet you're generally permitted to make one claim in multi year or two claims in three years without losing your no cases reward.
Excess– what it is and how it functions
Your Insurer won't ordinarily pay for the entire of your claim – you need to pay a set sum yourself, called the 'overabundance'.
It's the same regardless of how enormous your claim is.
The measure of overabundance will fluctuate contingent upon the kind of claim. For instance fire, burglary, incidental harm, and windscreen claims.
You can once in a while increment the intentional overabundance to decrease the cost of your premium.
What you should proclaim to your insurance organisation
You should give your insurance organisation exact up and coming insights about yourself and your car.
Generally your strategy won't not be legitimate, and it could be harder and more costly to get insurance in future.
Tell your Insurer in the event that you:
- change address
- utilize your vehicle for business
- get directs included toward your permit
- change your occupation or exchange
- change your car (for instance you introduce composite wheels)
- have a mischance or have beforehand made a claim, or
- change framework or other security, or where you stop your car.
Searching for the best car insurance bargains? This guide will take you through the most ideal approach to get shoddy car insurance and disclose how to utilize online comparison sites, best purchase articles and insurance dealers. Our five-advance guide could spare you many pounds on car insurance.
1. Lower your risk
- Fit an endorsed caution or immobilizer.
- Stop in a carport or garage if conceivable
- Ensure security gadgets are Thatcham endorsed.
- Discover more about security on the Thatcham site.
- Drive a make and model from a low insurance gathering
- Pick a make and model from a low insurance amass for a lower premium.
- Insurance providers favour famous models which are not as costly to repair.
- Check rates for most vehicles at the Group Rating Database on the Thatcham site.
- Don't be exact about your mileage
- The lower your yearly mileage, the lower your premium.
Nonetheless, don't think little of your mileage as this could negate your insurance when making a claim.
Drive securely
Demonstrate that you are a generally safe driver – a few back up plans will give you a markdown on the off chance that you have taken a Pass Plus or propelled driving course. Discover more about Pass Plus on the GOV.UK site.
Insurance claims or points on your permit will expand your premium.
Consider getting a policy which incorporates an appraisal of your driving with telematics ('discovery' innovation). In the event that you can demonstrate you're a careful driver, this could bring about a lower premium.
Include a second driver
Smooth out the risk by including a second, generally safe driver – regardless of whether they don't utilize the vehicle much. (Including recently qualified youthful drivers will expand the premium).
Try not to overstep the law by imagining the second driver is the primary driver.
2. Lower the cost
- There are a couple of things you can do which may bring down the cost of your car insurance.
- Pay for your car insurance yearly, not month to month
- Check with your insurance organisation on the grounds that occasionally you are charged intrigue on the off chance that you pay by portions.
- Try not to pay for what you needn't bother with
- Consider the cover you have under other insurance arrangements or somewhere else. For instance, some financial balances incorporate car breakdown cover.
- Some of the time your insurance provider or merchant may endeavour to offer you additional items, as lawful costs cover. You may have the capacity to get these items all the more economically somewhere else, or you won't not require them by any stretch of the imagination.
- Considering purchasing breakdown cover independently
- In the event that breakdown cover is incorporated into your car insurance, check the cost and the level of cover – you may discover better cover at a similar cost or less somewhere else.
- Ensure or increment your no claims bonus
- While evolving back up plans, ensure you can carry over your no-claims bonus.
- Think about paying an additional premium to ensure your no claims bonus, on the off chance that you haven't guaranteed for a long time or more.
- Consider adding an intentional excess to your car insurance
- Add a deliberate excess to your mandatory excess to bring down your premium.
- Keep in mind that you'll get less back in the event that you influence a claim (after both willful and obligatory excesses to have been deducted) so you should have the capacity to bear the cost of it
- Imagine you crash into a bollard and do £300 worth of harm to your car.
- In the event that your excess is £150, at that point your payout would be £150. However, in the event that you guarantee, you'll lose your no claims bonus and push up the cost of your premium.
- It is safe to say that you are probably going to assert?
- If not, you should expand the excess (giving you can bear to) and pay less for the policy.
Additionally, recall that tragically, regardless of whether you don't guarantee you do need to tell your insurance provider that you've had a mischance and your premium may go up thus
3. Shop around
- The additional time and research you put in to acquiring cites, the more probable you are to show signs of improvement bargain.
- This is particularly vital in case you're more than 70 or under 25, and at the principal year recharging when premiums can go up fundamentally.
- In the event that you have room schedule-wise, get cites from no less than two destinations and utilize insurance providers and facilitates that don't highlight on correlation locales.
- Keep in mind, least expensive isn't really best. Get the correct cover or your policy won't pay out when you require it.
- Think about like for like – in case you're searching for completely exhaustive gives.
- Think about car insurance arrangements on the Defaqto site.
- Attempt a representative to check whether they can get a similar cover at a lower cost – it's allowed to inquire.
- Locate a merchant from the British Insurance Brokers' Association.
- Utilize best purchase tables to analyse approaches from a couple of respectable back up plans. –
4. Check the policy is my car insured?
Read the Key Facts and Policy Wording reports.
Else, you won't know in case you're getting the correct cover.
In case you're recharging a policy with a similar back up plan, it's dependent upon you to check if the terms and conditions have changed.
5. Request a discount
Return to your present insurance provider and request that they beat your best statement.
1. Pick your level of cover
First of you need to ask "is my car insured?"
In the event that you'd battle to find a new car on the off chance that it was written off in a smash, it's best to go for fully comprehensive insurance.
In case you're driving a car worth that is just justified regardless of a couple of hundred pounds, you could pick Third Party Insurance – however observe the following slug – it's constantly worth checking it's least expensive.
Strangely, fully comprehensive cover regularly costs not as much as Third Party Insurance– so check the cost of both.
2. Push down your insurance
Drive securely. Demonstrate you are generally safe by having no mischances, no claims and no focuses on your permit (all vital for your first year). When you come to restore, your premium should fall essentially.
Drive less. Lower mileage implies less expensive insurance.
Drive a car in a low insurance gathering. Insurance organizations charge more for vehicles which are costly to repair, have customisations like amalgam wheels or have ground-breaking motors.
Include an okay driver as your second driver. Guardians are a decent wagered (yet they can't profess to be the primary driver – that is called 'fronting' and it's illicit)
3. Push down the cost
Pay Voluntary excess. Add this to your necessary excess to bring down your premium (yet recall that on the off chance that you make a claim, you'll have to pay more towards it yourself).
Get your name put on the policy of another person as their second driver to profit by named driver no claims rebate – is my car insured? – yet ensure they are matured more than 25 with a decent driving record.
Abstain from paying by regularly scheduled payments if the back up plan charges intrigue.
Consider taking a propelled driving course yet first check in the event that it will show signs of improvement bargain.
Discover more about Pass Plus on the GOV.UK site
'Pay as you drive' and 'Pay when you drive' strategies
These include fitting a 'smartbox' to your car.
The 'Pay as you drive' smartbox records speeding up, braking, cornering and time of driving, to get a photo of how safe you are as a driver. It at that point charges you for insurance each 90 days. The cost of the insurance goes up or down contingent upon how well the car's been driven – and extremely awful driving could see your insurance dropped.
'Pay when you drive' tracks your mileage and what time of day you drive. These arrangements are quite new, so it's difficult to state on the off chance that they are an incentive for cash. Worth looking at – however normal approaches could well be less expensive.
4. Shop around
Get on the web, get on the telephone and get a few statements to think about. The additional time you put in, the more probable you are to show signs of improvement cover and a less expensive cost.
Google 'specialist car insurers' to discover the deals not on comparison sites. At that point burrow around on Facebook, Twitter, discussions and talk rooms. When you have several great statements, call a dealer and request that they beat (it's free, they'll do the leg work and get back to you).
Locate an agent on the British Insurers Brokers' Association site to check whether they can beat your statement
5. Determine the status of your Insurance provider
Read the policy before you purchase – it's the best way to know you're covered.
Try not to get defrauded. Counterfeit insurers in some cases target youthful drivers. Your safety net provider (and your insurer , in case you're utilizing one) must be approved and managed by the Financial Conduct Authority (FCA).
Check if your back up plan (and insurer) is approved by the FCA
Using this website will help you get that lower rate, always seek advice online and from friends, if our site helped you and gave you the right advice please spread the word about our site to others so they can get the same help for them-self's. If you are still having trouble please visit Citizens Advice for more advice


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Xero Update
|Posted on 19 February, 2015 at 19:45
|comments (1)
Some exciting changes are coming for Xero clients.
Payroll will be hitting New Zealand shores in March, ready for the new financial year!
Payroll in Xero will be available for setup on 4 March so clients will be able to set up their business and employees with required payroll details. From 1 April, they'll be able to use Payroll in Xero to process pay runs for the new financial year.
A simple Inventory system is available in Xero in the next few weeks. The inventory solution is designed for those customers with non-complex inventory control needs - alleviating the hassles of month-end stock journals, with simple up-to-date inventory management, adjustments and reporting. For more complex requirements, Xero add-on partners can meet those needs.
Another feature coming soon is Find & Recode giving you the ability to bulk select mis-coded transactions and re-code the source transaction in one go. You'll also be able to use this function to recode proportions of accounts.
Watch this space...


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Check out a few of our clients comments about the marketing solutions tangerinemoons provided for their organization or company. We can do the same for you!
The Financial Clinic Testimony
Christoph Paccard Bell Foundry Testimony
Our experience in working with Larry on our new website and ongoing SEO work – beyond his exceptional know how and high quality design – is that he is very detail oriented and prompt in taking action with our questions and ideas. His communication with us during the work was and is superb. We are very pleased with the end result and with the continuing SEO work that he is doing.
Compass Municipal Advisors Testimony
QEI Security & Technology Testimony
Larry was absolutely incredible to work with! He delivered a brand new website in less than a month at a great price. He was responsive, helpful and determined to find a creative solution to every problem I threw at him. I would HIGHLY recommend tangerinemoons.
Kill Cliff, Inc. Testimony
Larry is AWESOME to work with! He always meets his deadlines, works quickly and efficiently and would be an asset on any project.
North American Track Testimony
Larry was absolutely amazing to work with. Not only did he redesign our website beautifully, but he was prompt, eager to help, and pleasant to work with. Larry really goes above and beyond to make sure his clients are happy and feel taken care of. I'd absolutely recommend him to anyone, we've been getting nonstop compliments on our website since it went live.
Little City Musical Theatre Testimony
Larry took our concept and vision, along with a bunch of adjectives we threw at him, and created exactly what we needed to present ourselves as one of the premiere
theatres in town.
Adam Johnston
Little City Musical Theatre
Charleston, South Carolina
DIG SOUTH Testimony
Larry is an excellent Web designer and very knowledgeable about trends and new platforms. In addition to being a strong developer, he also has a firm grasp of marketing and good content creation. He's sharp and dependable.
Stanfield Gray
DIG SOUTH – digsouth.com
Insightion Testimony
Larry did a fantastic job designing my company's initial website. I was in a crunch and needed the website completed within a short period of time. He stepped in and delivered excellent and timely service at a reasonable cost. He was very responsive, professional, trustworthy, reliable, and, most of all, patient.
SouthCoast Homes & Land, LLC Testimony
Because our company is a startup company, I elected to go with a standardized template system. Big mistake. After two months of work, I realized that even simple
customization was not possible. I thought about scrapping the website all together.
Fortunately, I found Larry who very quickly jumped in and handled the 'customization' issues. If I had it to do over again, I'd have Larry build a custom website from scratch.
Trey Norwood
SouthCoast Homes & Land, LLC
Charleston, South Carolina


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Offer available until: No end date listed.
We've all heard about the sad demise of our friendly bumble bee and the devastating effect it could have on our everyday lives…so if you can support our buzzy friends and plant some beautiful free flowers at the same time, it's a bit of a no-brainer!
"Small things can lead to big changes. Imagine, if thousands of us planted wildflower seeds for bees, butterflies and people to enjoy. In our gardens, on our balconies, a bucket on the doorstep, sides of the road. Anyone can sow and grow wildflowers – it's quick, easy and bees love them.
If you'd like to take advantage of the offer from 38 degrees and claim your free seeds (donation of £1.50 optional to help cover costs), click the 'Get Freebie' button above and head over to their site now. Quick, while stocks last! Seeds delivered within two weeks, subject to availability.DID YOU LIKE THIS POST?


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LockersNMore is often asked for our Capability Statement about our level of expertise, certifications, recommendations and business relationships. … [Read more...]
Archives for April 2011
Selecting the best materials for your bathroom and toilet partitions.
You're wondering…what is the best material for my project? Below is a brief explanation of all of the types of materials available. Hopefully you will glean enough information to make a decision. If not, feel free to contact me and I'll walk you through it. As a woman, I am always ready to give my opinion. Powder Coated Steel Powder Coated … [Read more...]


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Speech Language Patholigist
Travel or Per Diem - Ongoing
Hospital - Acute Setting
Available to start ASAP (Full compliance required)
Location: Antioch - California
We are Urgently looking for a Speech Language Pathologist who can work within the hospital system on on-call basis. Their opening is also for a SLP to work either on a contract for 13 weeks or consistent few days a week. The hospital is one of the bigger hospitals in the area so the work will be consistent and ongoing. e see your resume looks great and would like to setup some time to talk with you. We want to know your interest as well.
Let us know if you are actively looking for a better position as our team is looking to hire experienced therapists like you for future jobs. We also also a preferred provider for SNF, Hospitals, Home Health and Outpatient clinics.
Please let me know if you are available to speak or call.
POSITION SUMMARY: The Speech-Language Therapist organizes and provides speech-language services including assessment, treatment, program planning and implementation to facilitate rehabilitation. S/he directs patient participation in selected tasks to restore, reinforce, and enhance performance. The Speech-Language Therapist facilitates the learning of skills and functions essential for communication and swallowing, to diminish or remediate disorders or deficits. S/he directs activities to promote and maintain health, within the scope of practice and consistent with the Code of Ethics of the profession.
1. Screens, examines and evaluates patients, including history, systems review, and application of appropriate tests and measures, synthesis information and interprets examination findings in order to establish a diagnosis, identify impairments, determine the predicted level of improvement and the time required to achieve it, identify precautions/contraindications and design and plan of care. Develops appropriate treatment goals and methods in collaboration with the patient and caregivers, implements the speech language pathology treatment plan, and completes all related documentation and record keeping regarding these services. Services application of therapeutic techniques in areas such as: cognitive-communication; speech intelligibility; oral motor skills; swallowing disorders/dysphagia; perceptual abilities; orientation; memory; pragmatics; psychosocial expression; and/or functional communication.
2. Attends and contributes to patient care, staffing conferences and other related meetings.
3. Supervises of Clinical Fellows (CFYs), temporary licensees, students and support personnel in accordance with state licensure requirements and professional standards, as appropriate.
4. Coordinates the acquisition of adaptive communication devices and instructs patients in their use.
5. Facilitates identification of hearing deficits and appropriately refers for assessment, diagnosis, rehabilitation and/or personal amplification.
6. Puts Patient Service first, ensuring that residents and families receive the highest quality of service in a caring and compassionate atmosphere which recognizes the individual's needs and rights.
1. A master's degree in Speech-Language Pathology, Communication Disorders, Communicative Disorders or similarly titled area that is consistent and acceptable to the American Speech-Language-Hearing Association.
2. Possess or be eligible for a Certificate of Clinical Competence from the American Speech-Language-Hearing Association (ASHA) or be eligible to participate as an ASHA Clinical Fellow (CFY).
3. Be licensed, certified or credentialed, as required in the state of practice.
Health Care Company Staffing is a full service healthcare staffing and services company. We provide Healthcare staffing to hospitals, nursing, schools, outpatient and home health. We specialize in staffing all healthcare workers and for further details visit us at www.uhcstaffing.com
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wood cutting
Software: Sketchup
– Curve: Draw curves
– Push: Change object's thickness
– Array: When you move or rotate an object, you can copy it by press number and x or / (exam 5x, 5/ …)
First, start with rectangle. I always with a rectangle, to make a face and then I can draw everything on this face with draw tool as curve, line or freehand…
Use curve to draw a curve on that face to make a rail of lamp
Beacau the rail mirror then I only draw a half and then copy and flip it.
Then I make that rail to a component (press G – defaul). If I make a component, then I can fix one object for all the same components copy.
Draw a circle to hold the rails
Push the rail with high same thickness wood
Rotate and copy the rail component: Choose the component, then use rotate tool (Q) to rotate it, with center at center of the circle. And depend angle of rotate, you can multply or divide to copy components.
Exam: If you want to rotate 12degree, and copy to 30 component (for 360degree of all) , you can do 2 ways:
– Rotate 12 degrees and hold Ctrl to duplicate, then press 29x (multiply)
– Rotate 360 degrees and hold Ctrl to duplicate, then press 29/ (divide)
Push the holding circle with the thickness of wood
Scale to make the lamp as you want
Test lampshade: You can creat a light bulb to render and test shading
– Creat a Light bulb
– Apply material and texture for lamp
– Render to test shading
When you feel everything ok, comeback sketchup and export rails, holding circle to vector file, prepare pattern for wood cutting (by CNC, laser machine, or by scroll saw, carving wood…)
Full video for ceiling wood lamp drawing, please watch
For more tutorials or free pattern paper/wood cutting, please visit our website http://aoccraft.com


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When physicians at Children's Mercy Hospitals and Clinics work to diagnose an inherited disease in their young patients, they have access to an amazing diagnostic tool that no other children's hospital in the world currently provides.
With just a single drop of blood, the staff of the Center for Pediatric Genomic Medicine, led by Dr. Stephen F. Kingsmore at Children's Mercy, can produce a genetic test that scans for 600 severe genetic childhood diseases and provides results in four to six weeks. Working closely together, the Center's staff and physicians can then determine the cause of the illness and the most effective treatment for the child.
It was only 12 years ago that the first human genetic blueprint was meticulously created by hundreds of scientists, working nearly 10 years and at a cost of $3 billion. Fast forward to 2012, and Dr. Kingsmore's team has developed a comprehensive genome-sequencing test that screens for 600 genetic diseases at a cost of $1,250.
"This test, which sequences the entire genome, is intended to replace individual tests that cost up to $5,000 apiece," Kingsmore said. "So the patient is getting the equivalent of 600 individual gene tests for a cost of $1,250."
Reading the child's genome information – or DNA code – reveals far more patient information than ever before. Kingsmore compares it to "practicing medicine with a blindfold on and now we're taking the blindfold off."
"Up until now, medicine has been practiced without any understanding of the patient's genetic code," he said. "This next generation of medicine, individualized medicine, is being invented right now. There are centers across the United States that are starting to use genome information in medical practice. But we're the first in a children's hospital."
After deciding to focus specifically on inherited childhood diseases, Kingsmore's team of physicians, scientists and pathologists began working on the genetic test. The 600 diseases were selected from more than 3,500 genetic disorders because "they represent the working needs of a physician who studies childhood genetic diseases." Their test will soon be available to physicians around the world, as it was recently licensed by Illumina, Inc. in San Diego.
"We want Children's Mercy to be a pioneer in developing new technologies, and once we've validated them in clinical practice, we'll offer them to our patients first and then make them available to other physicians," Kingsmore said.
The Center's genetic test has already made a difference in diagnosing and treating numerous patients at Children's Mercy Hospital. Two young brothers were suffering from a severe inflammatory bowel disease that also affected the boys' growth and development. A variety of treatments were tried unsuccessfully, and the younger boy eventually had to be fed intravenously.
"We did our testing and identified the DNA change that was causing the disease," Kingsmore said. "Because we knew how the disease was caused, we could determine that a bone marrow transplant would be an effective treatment." Physicians are now working with the boys' parents to explain and schedule the treatment.
The work underway at the Center for Pediatric Genomic Medicine is slowly being publicized, and physicians around the world have begun asking for assistance in diagnosing children's diseases. For example, Kingsmore and a colleague recently received email requests from physicians and researchers in Saudi Arabia, Turkey, India and Florida over a three-day period. However, those inquiries are likely to dramatically increase.
A white paper describing a new method to provide genetic information within just two days for seriously ill babies in the neonatal intensive care unit of Children's Mercy Hospital has just been published in Science Translational Medicine. Kingsmore's team built a software system – called SSAGA: Symptom and Sign Assisted Genome Analysis — that enables a neonatologist to enter the baby's symptoms, which then directs the computer to analyze specific regions of the genome and guides the pathologist on the areas to interpret. The support to pursue this type of work is what attracted Kingsmore to Children's Mercy Hospital.
"We needed to be in a large, excellent hospital that also believed in what we believe – that genetic testing is the future of medicine," he said. Children's Mercy is illustrating its commitment to the Center's work with a new 7,000 square foot, several million dollar facility scheduled to open in November.
"It's a state-of-the-art facility," Kingsmore said, "and there aren't Centers like ours in other children's hospitals anywhere."
KCALSI has also demonstrated its support of the research Kingsmore's team is pursuing. The Center was recently awarded a $50,000 Patton Trust Research Development Grant, which is administered by KCALSI, to identify the gene mutations that cause inherited childhood diseases. In addition, KCALSI has arranged meetings with state political leaders so that Kingsmore can discuss the Center's groundbreaking work and its importance to the region.
"Community support is important, and KCALSI was one of the first organizations to say we believe in your work," Kingsmore said.
"What we're doing is a little bit ahead of the curve. Ninety-nine percent of the healthcare innovation in this country happens either in a region from Boston to New Jersey, or from San Francisco to San Diego," he said. "Some people just can't believe that this could be happening in Kansas City. What we're doing in genetic testing is unique, and we're one of the first in the world to do some of things we do.
"The goal is to simplify genome testing, shrink it down and reduce the cost so that in the future, this will be a simple, routine test."


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Learn to Build Your Fortress of Success Through Developing the Balance in Your Aptitude.
This encapsulates each theme discussed so far into one merged whole. Once we comprehend the beautiful uniting of reality, affection, and might, we intuitively realise intelligence.
Discover Your Own Insights To Aptitude.
Reality is smart. By encompassing reality and casting off ignorance, untruth, and denial, we produce the ideal terms for lifelong development. We learn about ourselves by having a look at physical reality, continually anticipating outcomes and bit by bit refining them for better accuracy. As we take on every new level of reality, we reach ever- greater levels of awareness. There may be no intelligent development without reality.
Affection is smart. We can't discover and grow solo in a void. We have to form fresh connections inside ourselves and with other people to broaden our capabilities. By merging as a community, we accomplish ever- richer levels of familiarity, thereby increasing our reason, motivation, and creative thinking. There may be no smart development without affection.
Might is smart. We're vastly creative organisms, free to convey ourselves in physical form. By casting off idleness, timidness, and cowardliness, we become able to exert might responsibly rather than living in dread of our own greatness. With trained, centred action, we produce our own reality and respect the reality of who we truly are. There may be no smart development without might.
Being intelligent is the highest form of mortal expression. Our intelligence is what delineates us as humans. It's our biggest strength, our most steadfast ally, and our worthiest pursuit. Without it, we're idle words; we're form without content and being without aim. It's only by the calculated exercise of being intelligent that we provide our lives meaning, a meaning that's consciously selected.
Our general rationales bring about the accompanying definition of being intelligent: Being intelligent is alignment with reality, affection, and major power. There's a graceful simplicity to this definition. In order to act as a "bright individual" in any situation in your life, you have to bring yourself into alignment with information, affection, and might. If you utilize these things to direct your life, you'll live intelligently. Once you violate these things, you turn away from intelligence.
Take a minute to contemplate the above definition of being intelligent. Does it gratify your logical brain as well as your intuition? When you think over your most levelheaded choices in life, do you discover that you have aligned yourself with truth, love, and power? When you consider your greatest regrets, may you name a lack of alignment with any of these things?
Far more than the sum of its pieces, being intelligent provides several emergent characters of its own.
Get Your Own Copy of the EBook Now!


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The search for the best gluten free cake mix continues. The following is a review of the popular Betty Crocker gluten free recipes. If you're avoiding gluten, give these simple mixes a try.
Gluten – a true enemy to a small segment of people who suffer from celiac disease, and a major annoyance to more people who demonstrate a wheat intolerance. Fortunately, the free market being what it is, there are hundreds of new products being introduced that allow for gluten avoidance. Today, I'm testing Betty Crocker's version of the Gluten-Free Yellow Cake Mix.
What is gluten, anyway?
Gluten is a water-insoluble protein that is formed when water is mixed with wheat flour. Proteins are very large molecules composed of amino acids. Two of the naturally occurring proteins in flour are called glutenin and gliadin.
from the Cooking Science Guy.
Gluten forms in wet flours of wheat and certain other grains (barley, rye, triticale, bulgur, semolina, etc.) The gluten forms a long, intricate, elastic network which suspends the starch in flour, giving bread that "stretchy" character, and allowing flour to be molded into shapes, such as in pasta.
Gluten and cake are natural enemies, so it's a pretty good bet that any gluten-free cake mix is going to have a nice, light texture. And these Betty Crocker versions are no exception.
The Betty Crocker Gluten-Free Yellow Cake Mix contains the following ingredients:
Rice Flour, Sugar, Potato Starch, Leavening (baking soda, sodium acid pyrophosphate, monocalcium phosphate), Xanthan Gum, Salt.
(Purists will note that the baking powder in this mix uses a different acid from the usual cream of tartar. Sodium acid pyrophosphate is manufactured by a chemical process, where cream of tartar is a byproduct of winemaking – another chemical process. Is one more "natural" than the other? You'll have to decide that for yourself!)
The instructions call for 2/3 cup of water, 1/2 cup of butter, 2 tsp of gluten-free vanilla and 3 eggs. The high-altitude directions call only for adjustments in bake time, which caused a bit of a problem as you will see.
I baked the cake in a single 8″ round anodized aluminum pan at 350° F (the mix makes only half the normal cake batter from a mix). Because I couldn't flour the pans as I normally would, I used a parchment round on the bottom. The directions called for only the bottom to be greased, but I did have a little trouble releasing after baking, so I would recommend greasing or parchment for the sides as well.
The directions called for 41-46 minutes, so I tested at 40. The toothpick came out clean, so I pulled it out at that time. And here was the result:
As you can see, the cake formed quite a high cracked dome, caused by rising too quickly in the oven. If I'd had any rice flour on hand, I would have added 1/4 cup before baking and it would certainly have reduced this by quite a bit. Not a deal breaker (that's what cake levelers are for, after all).
After cooling for about 10 minutes, I removed the cake from the pan and cooled completely. The cake retained its high volume without sinking. It was nicely browned, very even and attractive.
The taste and texture were very good. I was expecting a bit of a gummy texture with the use of rice flour, but I didn't detect that at all. The texture is light and airy, with fine crumb. The taste is sweet but not cloying, with a good note of vanilla (from my organic vanilla). I iced it later with a toasted walnut cream cheese icing and it was a huge hit.
If you're looking for a gluten-free cake mix substitute, and you don't mind fudging just a bit on the natural ingredients, this mix should do the trick.
Looking for more reviews? Check out what I found with Betty Crocker Gluten-Free Devil's Food Cake Mix. Click Here.


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At Nebula we pride ourselves on offering honest and reliable IT support services that are tailored to each of our clients individual requirements.
Through our range of IT support services our aim is to enable your business to get the best use of IT within available budgets. The range allows us to work as an outsourced partner or as a co-sourced team member that works alongside your internal team members.