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How we can help/
Pension Information/
How Personal Pensions work
The fundamental idea behind a personal pension plan is simple. You put money into a savings fund and it hopefully grows in value. At retirement, you convert the fund into a regular income payment, which is designed to replace some (or all) of your employment income.
These notes apply to an individual who is looking to establish a personal pension or stakeholder pension.
How Personal Pensions work
1. Payments in
You can typically save into a pension plan in one of two ways:
Regular instalments
The pension payment can be taken automatically each month by Direct Debit. Once you start making regular contributions in this way, and become accustomed to the regular payments going out of your account, you may find it easier to plan your monthly budget.
One-off investments
Some people prefer the flexibility of making one-off investments at a time of their choosing, rather than commit to regular monthly contributions. Providers usually place minimum contribution amounts on single premium payments. This method can be useful for self-employed people or those paying higher rate tax, as the amount of contribution will attract tax relief at the individual's highest rate. It is your responsibility to make sure that an investment is made.
A combination the above
This provides both the discipline of regular investments and enables one-off investments to also be made so that the best use of the available tax relief can be made.
2. Tax considerations
Tax relief
Tax relief is granted on pension contributions. Currently, the basic rate of tax is 20% and higher rate is 40%. The additional rate can take this to 45%.
For employees contributing to a personal pension or stakeholder plan, the contribution is made net of basic rate tax. If you invest £80 into a personal pension, the provider will add the remaining £20 and invest £100 on your behalf (claiming the tax relief back themselves from HMRC).
If the investor pays tax at higher rates, it is possible to claim back the marginal rate via a tax return. In the example above, £100 is declared on the self-assessment tax return. The tax office will then credit you with £40 of tax, less the £20 already received and invested.
Self-employed investors face a complex system for claiming back pension tax relief, based partly on what they've already paid, and partly on an assumption about future payments. Care should be taken to understand the effect on self-employed tax assessments when a large single contribution is made or regular premiums are stopped.
The tax treatment is dependent on individual circumstances and may be subject to change in future.
Restrictions on payments
The amount you save each year toward a pension, from which you benefit from tax relief, is subject to an 'annual allowance'. The annual allowance for the tax year 2017/18 is £40,000. You may be able to carry forward unused contributions from the previous three years (ie. back to 2014/2015 for 2017/18).
You can invest up to £3,600 per year gross in a personal pension (and still receive the 20% tax credit) even if you have no earnings. As the person making the contributions does not have to be the same as the person benefiting from the pension, this facility can be helpful in providing a pension for a non-working spouse – or for children and grandchildren as part of inheritance tax planning.
3. Investments
You will have to decide on the type of fund in which you invest your money. Most pension providers have a wide range of funds available – some have literally hundreds. Essentially, funds break down into two categories:
Unit Linked funds
These are pooled funds, linked to the performance of underlying investments – usually equities (ie. stocks and shares). The money is used by the fund manager to purchase more of the fund's underlying assets. The price goes up and down in line with the investments held. If the market falls, so does the unit price. This can be good news for people investing with a long time to go (a new cash investment will buy more units), but bad news for people about to use their fund to provide retirement benefits. Those approaching retirement tend to switch funds into less volatile investments to avoid this risk.
The value of units can fall as well as rise, and you may not get back all of your original investment.
With Profit funds
These also invest in stocks and shares and other assets, but the fund manager tries to smooth out the peaks and troughs of unit linked funds by holding back some of the growth as a reserve. This can provide a smooth increase in value in your investments.
A Market Value Adjustment might apply on encashment. The value of this policy depends on how much profit the company / fund makes and how they decide to distribute that profit.
With Profit Funds Fact:
A Market Value Adjustment might apply on encashment. The value of this policy depends on how much profit the company / fund makes and how they decide to distribute that profit.
4. Projections
Growth assumptions
When projecting pension fund values, certain growth assumptions are made by pension providers. These are currently 0.5%, 2.4% and 5.5%.
A better way to predict growth is to try to link inflation in and establish 'real growth'. In other words, if a fund achieves 5.5% per annum growth but inflation has been 2.5% per annum, the real growth is 3.0%. This more realistic real growth assumption is now the norm.
Pension options
From 6 April 2015 new "Pensions Freedom" legislation came into effect, and consequently, at retirement, there are now many new options as to how you take your pension. For further details please refer to our "Your Retirement Options and Pensions Freedom" article.
5. How much should I invest?
You should invest as much as you can comfortably afford, as soon as you can. You should not overstretch yourself and you should be sure that if you commit to a monthly investment, it will continue for a long time.
The actual amount you should invest will be different for each individual. Once you have arrived at a figure, it is useful to try to link it to salary. If you have decided that you can afford £100 per month and you earn £20,000, a quick calculation will show this amounts to around 6% of salary. Try to maintain that link in future years.
You may choose to calculate the level of savings necessary to achieve a certain level of income (in today's terms) at your chosen retirement date. This target funding is then reviewed on a regular basis to account for revised objectives, investment performance and changing market conditions.
6. What about state benefits?
The new State Pension is a regular payment from the government that you can claim if you reach State Pension age on or after 6 April 2016.
You can get the new State Pension if you're eligible and:
- a man born on or after 6 April 1951
- a woman born on or after 6 April 1953
If you reached State Pension age before 6 April 2016, you'll get the State Pension under the old rules instead. You can still get a State Pension if you have other income like a personal pension or a workplace pension.
The full new State Pension is £159.55 per week, how much you get will depend on your National Insurance record. You'll usually need 10 qualifying years to get any new State Pension. Furthermore, you may need around 35 years to qualify for the full Sate Pension.
The amount you get can be higher or lower depending on your National Insurance record. It will only be higher if you have over a certain amount of Additional State Pension.
No nonsense, a very technical and sensible service with great advice – always.
Robert D
7. What about other forms of savings?
Obviously if you are serious about retirement planning, you should not necessarily concentrate all your savings into the one area of personal pensions. However, personal pensions will certainly form part of your overall strategy.
8. Summary
If you are considering starting saving to save for your retirement, ask yourself:
- Is the level of savings you are proposing realistic from a retirement and state pension perspective?
- Do you want the discipline of a monthly investment or could you make lump sum payments from time to time (or both)?
- How much would you need to live on, if you retired today? It's then possible to begin calculating the cost of achieving that objective.
A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend on the size of the fund at retirement, future interest rates and tax legislation.
This article (How Personal Pensions work) is intended to provide a general appreciation of the topic and it is not advice. For more information please contact Moscrops Financial Planning on 0161 761 2534 or email email@example.com and we will be happy to assist you.
Article expiry: 05 Apr 2018
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Pawlenty to head bank lobbying org
Onetime Republican presidential hopeful Tim Pawlenty is stepping down from his role as co-chair of Mitt Romney's presidential campaign to become head of the bank lobbying group The Financial Services Roundtable.
Pawlenty, the former Minnesota governor who was on the short list of candidates to be Mitt Romney's vice presidential running mate, will replace Steve Bartlett, who earlier this year announced he was leaving his post as the group's president and chief executive officer. Bartlett is a former member of Congress and mayor of Dallas.
Story Continued Below
Pawlenty will earn $1.8 million annually as head of the Roundtable, according to a person with knowledge of the compensation package. Bartlett received $1.8 million in total compensation in 2009, according to the group's most recent publicly available tax records.
Pawlenty will take over effective Nov. 1.
"My work with Mitt has been a privilege." Pawlenty said in a statement released by the campaign Thursday. "As the campaign moves into the home stretch, he has my full support and continued faith in his vision and his policies."
Pawlenty said he informed the Romney campaign a "couple of days ago" of his decision and that as a condition for employment at the Roundtable, he has also agreed not to take a position with a possible Romney administration.
The Roundtable is one of a handful of Washington groups, including the American Bankers Association and the Securities Industry and Financial Markets Association, that are lobbying financial regulators as they implement the 2010 Dodd-Frank Wall Street reform law.
The groups often coordinate efforts but they also are competitors when it comes to establishing which one is the voice of the banking and financial services industry in Washington.
Pawlenty would immediately elevate the Roundtable's profile in political circles.
Members of the Roundtable are scheduled to meet Thursday afternoon with Treasury Secretary Timothy Geithner to discuss the economy, according to a release from Treasury.
Pawlenty dropped out of the 2012 presidential race in August 2011 after his campaign failed to gain traction and soon after he endorsed Romney. On the campaign trail, Pawlenty emphasized a populist message and his Midwestern blue-collar roots, themes not often associated with a lobbying group that represents financial giants.

subset: commoncrawl


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fbenario wrote:hoi.polloi wrote:I think your best points are on subject, starfish prime. There is a lot of fakery going on.
Even if he is right about every recent incident being faked, it doesn't justify his throwing in malicious irrelevancies about black-on-black crime that influence the reader to conclude it just doesn't matter when white cops hurt/kill black men without cause. Even one incident of 'white cop killing black man' is too many, and the ongoing repugnant focus on black-on-black killing delegitimizes the evilness of such white/black killings.
This pretty much exactly parallels the ongoing right-wing attack on the Black Lives Matter movement which quite purposefully delegitimizes the desire of minority communities not to have their men butchered by police.
I would recommend not to get too much caught up in this, fbenario. These kind of issues are never solved politically, so discussing them is hardly ever useful. We would go on forever trying to prove that black people hurt whites more than whites hurt black people, or viceversa. This whole BLM thing is most likely a distraction: Since these things never come to resolution and are forever divisive, like abortion, gay marriage etc, they are perfect to keep us all busy while giving us some crumbs of moral thought to believe in.


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Iain Sinclair
Iain Sinclair is working on unpublishable poems and thinking about Tasmania.
In the LRB Archive:
Diary: The Peruvian Corporation of London · 10 October 2019
Iain Sinclair and Stewart Lee · 8 November 2017
The Last London · 30 March 2017
Video: The Last London · 28 March 2017
Diary · 30 June 2016
Retro-Selfies: Ferlinghetti · 17 December 2015
- I Greet You at the Beginning of a Great Career: The Selected Correspondence of Lawrence Ferlinghetti and Allen Ginsberg, 1955–97 edited by Bill Morgan
- Writing across the Landscape: Travel Journals 1960-2010 by Lawrence Ferlinghetti, edited by Giada Diano and Matthew Gleeson
Diary: Swimming on the 52nd Floor · 24 September 2015
Into the Underworld · 22 January 2015
Diary · 6 November 2014
At Annely Juda · 6 June 2013
Diary: Thatcher in Gravesend · 9 May 2013
Dysfunctional Troglodytes with Mail-Order Weaponry: Edward Dorn · 11 April 2013
- Collected Poems by Edward Dorn
Diary: My Olympics · 30 August 2012
The Man in the Clearing: Meeting Gary Snyder · 24 May 2012
The Raging Peloton: Boris Bikes · 20 January 2011
The Colossus of Maroussi: In Athens · 27 May 2010
Upriver: the Thames · 25 June 2009
- Thames: Sacred River by Peter Ackroyd
The Olympics Scam: The Razing of East London · 19 June 2008
Deadad: On the Promenade · 17 August 2006
Museums of Melancholy: Silence on the Euston Road · 18 August 2005
The poet steamed: Tom Raworth · 19 August 2004
- Collected Poems by Tom Raworth
- Removed for Further Study: The Poetry of Tom Raworth edited by Nate Dorward
Diary: Out of Essex · 8 January 2004
The Coat in Question: Margate · 20 March 2003
- All the Devils Are Here by David Seabrook
A Hit of Rus in Urbe: in Lea Valley · 27 June 2002
At Bluewater · 3 January 2002
In Hackney: Steve Dilworth · 15 November 2001
My Old, Sweet, Darling Mob: Michael Moorcock · 30 November 2000
- King of the City by Michael Moorcock
- Mother London by Michael Moorcock
If I Turn and Run: In Hoxton · 1 June 2000
- 45 by Bill Drummond
- Crucify Me Again by Mark Manning
All change. This train is cancelled: the Dome · 13 May 1999
Hopi Mean Time: Jim Sallis · 18 March 1999
- Eye of the Cricket by James Sallis
Secretly Sublime: The Great Ian Penman · 19 March 1998
- Vital Signs by Ian Penman
Mandelson's Pleasure Dome · 2 October 1997
Narco Polo · 23 January 1997
- Mr Nice: An Autobiography by Howard Marks
- Pulp Election: The Booker Prize Fix by Carmen St Keeldare
The Grey Boneyard of Fifties England · 22 August 1996
- A Perfect Execution by Tim Binding
Off-Beat · 6 June 1996
Customising Biography · 22 February 1996
- Blake by Peter Ackroyd
- Collected Edition of William Blake's Illuminated Books: Vol I: Jerusalem series editor David Bindman, edited by Morton D. Paley
- Collected Edition of William Blake's Illuminated Books: Vol. II: Songs of Innocence and Experience series editor David Bindman, edited by Andrew Lincoln
- Collected Edition of William Blake's Illuminated Books: Vol III: The Early Illuminated Books series editor David Bindman, edited by Morris Eaves, Robert Essick and Joseph Viscomi
- Collected Edition of William Blake's Illuminated Books: Vol. IV: The Continental Prophecies: America, Europe, The Song of Los series editor David Bindman, edited by D.W. Dörbecker
- Collected Edition of William Blake's Illuminated Books: Vol. V: Milton, a Poem series editor David Bindman, edited by Robert Essick and Joseph Viscomi
- Collected Edition of William Blake's Illuminated Books: Vol. VI: The Urizen Books series editor David Bindman, edited by David Worrall
Mysteries of Kings Cross · 5 October 1995
- Vale Royal by Aidan Dun
Diary · 8 June 1995
The Cadaver Club · 22 December 1994
- Original Sin by P.D. James
- Dan Leno and the Limehouse Golem by Peter Ackroyd
- The Hidden Files: An Autobiography by Derek Raymond
- Not till the Red Fog Rises by Derek Raymond
Vermin Correspondence · 20 October 1994
- Frank Zappa: The Negative Dialectics of Poodle Play by Ben Watson
- Her Weasels Wild Returning by J.H. Prynne
Who is Stewart Home? · 23 June 1994
You've got it or you haven't · 25 February 1993
- Inside the Firm: The Untold Story of the Krays' Reign of Terror by Tony Lambrianou and Carol Clerk
- Gangland: London's Underworld by James Morton
- Nipper: The Story of Leonard 'Nipper' Read by Leonard Read and James Morton
- Smash and Grab: Gangsters in the London Underworld by Robert Murphy
Lady Thatcher's Bastards · 27 February 1992
- Class War: A Decade of Disorder edited by Ian Bone, Alan Pullen and Tim Scargill
Bad News · 6 December 1990
- Weather by John Farrand
- Weather Watch by Dick File
- Climate Change: The IPCC Scientific Assessment edited by J.T. Houghton, G.J. Jenkins and J.J. Ephraums
- Crop Circles: The Latest Evidence by Pat Delgado and Colin Andrews
- The Stumbling Block, Its Index by B. Catling
Isle of Dogs · 10 May 1990
- Pit Bull by Scott Ely
Monster Doss House · 24 November 1988
- The Grass Arena by John Healy
Select a letter to see more contributors: A B C D E F G H I J K L M N O P Q R S T U V W X Y Z


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Nation & World
White House confirms airstrikes on ISIS targets possible outside Iraq
WASHINGTON A White House spokesman confirmed on Friday that the administration is not ruling out airstrikes to target the radical militant group, the Islamic State of Iraq and Syria.
The comment from spokesman Josh Earnest at a daily press briefing echoed what a senior administration official said on Thursday_that airstrikes against ISIS are still possible beyond Iraq, including in Syria.
"The president has demonstrated a willingness to go into other countries where necessary to protect our national and homeland security," Earnest said, noting that the U.S. has taken action in Yemen and Somalia.
Asked if further authorization from Congress is needed for such strikes, Earnest said the president has already demonstrated a willingness to act, "where necessary, to safeguard the national security interests of the United States. And, that applies in this situation, too."
He said the administration is committed to consulting with Congress on Iraq.
President Barack Obama announced on Thursday that he would send up to 300 military advisers to Iraq to help advice and train Iraqi forces as they fight ISIS. While he did not rule out airstrikes, he said American combat troops would not be returning to the country.


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Many travel agencies do not have the experience and understanding necessary for the needs of disabled travellers; for them they are just one in many holiday makers. Accessible Prague is different, as you are our top priority customer and we will do everything to ensure you have a pleasant stay.
I have personal experience with problems faced by less mobile persons, as I worked in the UK as a personal care assistant for spinal cord injured clients. I personally inspected all hotels we offer, keeping also in mind location and the surrounding area. Because everyone's needs vary, we provide you with detailed information so that you can choose the hotel most suitable for you from our wide offer. When you use our service, we guarantee you specially adapted rooms.
If you fly to Prague, we can arrange direct transfer to your hotel in our adapted car. Other services we offer are mobility equipment rental, excursions, personal assistance and expert advice on all matters relating to your holiday in Prague.
Do not hesitate to contact us if you have requirements we currently do not offer, and we will do our best to meet them.
Lea Skanderova


text: 5 reasons to get excited about Samsung's Super AMOLED Taylor Wimberly on Jun 24 at 9:28 am The HTC EVO 4G and Motorola Droid X are both awesome, second-generation Android phones and have their own exciting features, but the Samsung Galaxy S line of phones has a few specs we might call third-gen and it could still come out on top as the hottest smartphone this summer. For starters, the Galaxy S has pure numbers on side. While the EVO and Droid X are exclusive to their respective carriers, we should see a version of the Galaxy S on all four Tier 1 carriers in the U.S. and over 100 more around the globe. AT&T will launch the Captivate this summer, Sprint will offer the Galaxy S Pro as their second 4G phone, T-Mobile will finally land a high end-phone with the Vibrant, and we are still waiting to see what Verizon does. So what are the features that make the Galaxy S so special when compared to the competition? It will be the first Android phone to offer a Super AMOLED display and it features a graphics processor (PowerVR SGX540) that is said to be twice as fast as the leading competitor (the Droid and Droid X's PowerVR SGX530). Most people might not know what Super AMOLED stands for (Super Active-Matrix Organic Light-Emitting Diode), but they should take note of some of the benefits offered by Samsung's exciting new mobile phone display technology. Super AMOLED differs from other display technologies in that the layer which detects touch is integrated into the screen rather than being overlaid on top. Another benefit of the next-generation display technology is that an AMOLED display do not need backlights because they emit light itself when electricity is applied. The reduction in components and other advancements result in the absolute best display you will find on any smartphone this year. Samsung is already boasting that their Super AMOLED technology outperforms the iPhone 4 Retina display in several areas including contrast ratio, color reproduction, and response time. So which benefits of Super AMOLED should you be aware of? Read on to see our top five highlights. 1. Power consumption – 20% more battery life Battery life remains one of the biggest areas of concerns for Android users. Sure your battery will normally get you through the day, but wouldn't it be nice if you could squeeze a couple extra hours out of your phone? Depending on how you use your phone, the display is normally at the top of the list when checking your battery use. Samsung claims their Super AMOLED display provides 20% more battery life vs traditional AMOLED, so it's quite conceivable to give you that extra hour of use that you sometimes need. 2. Superior sunlight readability – 80% less sunlight reflection The biggest gripe with traditional AMOLED displays (like the ones found on the Nexus One and Incredible) is that they are hard to read out in direct sunlight. Living in South Texas, I'm outdoors a lot and I have experienced this first hand. There have been many times when I had to find some shade just so I could operate my phone. Since the touch layer is integrated into the Super AMOLED screen, there is less reflection when viewing the display. To be exact, Samsung's official measurement is 80% less sunlight reflection when using a Super AMOLED display. For a direct comparison, check out the hands-on video of the Galaxy S in direct sunlight. 3. Viewing angle – 180 degrees Did you know Samsung's Super AMOLED mobile phone display offers a 180 degree angle? That means even if you held the Super AMOLED display at eye level, you could still see the images on the screen without any blurring or distortion. This makes it easier to share your videos and pictures with the people around you without having to tilt the display. 4. Contrast ratio – 100,000 to 1 Super AMOLED display offers 100,000 to 1 contrast ratio, for unmatched vivid colors and clarity. The contrast ratio for Super AMOLED is the closest comparison in the U.S. mobile industry to the current HDTV standard. 5. Brightness – 20% brighter If you have never seen an AMOLED display, then drive down to your local Verizon store and play with the Incredible. The color reproduction of an AMOLED display is noticeably better than a TFT LCD when you hold them side by side. Games, pictures, and YouTube videos come to life with the vivid colors and brighter display. Samsung's Super AMOLED offers an even better display because it is 20% brighter versus a traditional AMOLED screen. Conclusion The more I learn about Samsung's Super AMOLED technology, the more I become excited about getting a Galaxy S phone. The added battery life alone is enough to sell me on the display and the extra benefits are just icing on the cake. Samsung actually produces most of the displays found in competing smartphones, so I expect they will have an exclusive for awhile. My only concern is Samsung's ability to keep up with demand. Both the HTC Incredible and HTC Desire have faced extreme shortages because they utilized AMOLED displays manufactured by Samsung. The company is already building a new facility in South Korea which can produce 30 million displays per month, but it is not scheduled to open till July 2011. Hopefully, they can focus their current resources on producing enough 4 inch Super AMOLED displays to keep the Galaxy S inventories up when the phone l Launches in the U.S. this summer. 5 reasons to get excited about Samsung?s Super AMOLED – Android and Me


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AAA grade Created Peridot solitaire studs. These are simple yet make a great everyday wear or a gift. Look for the matching pendant as well. Well crafted in 925 silver that's hallmarked and is free of any cheap metals. Won't cause any allergies. Arrives in our signature gift box.
I was searching for heart shape silver band ring and i got the ring here with discounted price, I would like to say a big thanks to ornate for fulfilling my requirement, received many compliments for the ring, once again thanks a lot ornate.
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Bought a lot of Alphabet necklaces from ornate. the one I wear myself is G initial necklace. All my friends have liked it and it's my favorite birthday gift for them.
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I am a regular customer of Ornate. I buy anniversary gifts and all other many items for my wife often. the prices are very good for me. I think Ornate should reward me for being such a loyal and regular buyer. What I like is that designs are very unique and the customer service is pretty helpful. Thanks
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I am totally in love with my blue sapphire ring. I love the color and especially the price I have paid. I have found a value for money website. Good quality silver jewellery for me. The shipping was fast and my ring came in a box pack which is quite nice.
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Illuminating Digital Publishing Excellence
The tenth annual eLit Awards are a global awards program committed to illuminating and honoring the very best of English language digital publishing entertainment.
The eLit Awards are an industry-wide, unaffiliated awards program open to all members of the electronic publishing industry.
The contest is presented by Jenkins Group Inc., a Michigan-based book publishing and marketing services company that has operated the popular Independent Publisher Book Awards contest since 1996.
The eLit Awards celebrate the ever growing market of electronic publishing in the wide variety of reader formats. Hail the revolutionary world of e-books and join the awards program that's highlighting the best in electronic reading entertainment!
Who may enter?
Publishers and authors worldwide creating electronic books written in English and created for the global marketplace are eligible for entry in 65 different e-Lit categories listed below. Titles published with a 2018 or 2019 copyright or that were released between January 1, 2018 and January 31, 2020.
How to Enter
Entry into the eLit Awards is simple. Above and below are links to our entry page. Just click on through, enter your information, make payment and upload your books. We provide you with easy step-by-step instructions to make entry a snap.
What does it cost?
Entry fees are based on a per-title, per-category basis. Early-bird entry fees are available offering discounts to those who register before our posted deadlines:
- Early Bird #1 entry – Now through August 31st, 2019 – $70 per title, per category
- Early Bird #2 entry – September 1st through November 30th, 2019 – $80 per title, per category
- Regular entry – December 1st, 2019 through January 31st, 2020 – $90 per title, per category
Key Dates
- Final Entry Registration Deadline: January 31st, 2020


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Situated, unsurprisingly on the bank of the Creek, the Dubai Creek Golf & Yacht Club has recently undergone major reconstruction. The front nine has been redesigned by Thomas Bjorn, and there's also a new nine-hole par three course, a floodlit driving range and many practice facilities.
Back to Dubai Sports


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Changed Email - Validation
I cannot validate my e-mail. I changed email in my Profile. It should be sent a validation email, but didn't. I checked the email address. It's ok. I then clicked resent validation email... Passed one day now, still no validation email arrived... How can I validate it? My email I want to validate a windows live mail(like xxxx @ windowslive. com). I changed it through my profile. I also checked the settings in my Hotmail and it's ok for recieving emails. Also checked junk and spam folders...No mail there also.
I also saw the topics in this forum for the same issue and says the same ways I tried. Please can u validate it? I also sent the email to validate @ chesscube. com.
Still no reply from validate @ chesscube. com, bugs @ chesscube. com...
Can any moderator see it and validate it?
Thanks in advance!


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$15/per class - packages of 5 and 10 available.
Class size limited to six. RSVP required. Contact me here for info.
Start your day off on the right foot with qigong, positive intentions and a hot beverage!
We face a million little stressors throughout the day. It can make a world of difference when you take the time be clear about how you want to feel and then root that in your body with this gentle but powerful 'moving meditation' practice.
Qigong is also effective for breaking us out of repetitive patterns, and providing relief for many common 'modern day' injuries: carpal tunnel syndrome, neck, shoulder and back pain, eye strain, poor circulation, and more. Much of this practice can be drawn on throughout your day when you need a quick pick-me-up.


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A Boho, Mid-Century Modern Wedding at Moorten Botanical Garden in Palm Springs, California
Inspired by a road trip they took together from Los Angeles to Vegas and through Death Valley, Savannah Miller and Zach Kolodziejski planned a mid-century modern fete with a laid-back bohemian feel in Palm Springs. The pair kept things low-key with a guest list of only 20 closest family members and friends. Playing up the venue's retro edge, Savannah and Zach filled the day with lush green plants, clean lines and modern design motifs. "My mom is an amazing seamstress and made all of the table linens—beaded trim and all—napkins and napkin rings," Savannah says. Zach's sleek blue suit and Savannah's lace column gown and blue velvet heels also paid tribute to the event's aesthetic. Instead of sharing their vows for the first time during the ceremony, the couple sat down with their close friend and officiant to read them to each other. "We laughed, we cried, we surprised each other and we were genuine," Savannah says. Once the weekend's festivities came to a close, the newlyweds hopped into a fully restored 1976 Chevrolet van and hit the road.


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Join our room and have a woderful time spent together. We will surely find out what You really want.
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William Jensen's Spike Weaver and Quirion Ranger began a steady assault on Jason Zila, and four turns later had put an end to Zila's hopes of becoming the first Masters winner. Jensen was crowned the Masters champion after the biggest and most unexpected upset of the Pro Tour New York weekend.
Congratulations to both players for their great performance in the Masters, and especially to William Jensen, the 2000 New York Masters champion.
You can follow the results on the brackets.
Neutral Ground's Coverage of the Masters Event
Sideboard Coverage of 2000-2001 Pro Tour-New York
© 1995-2003 Wizards of the Coast, Inc., a subsidiary of Hasbro, Inc. All Rights Reserved.
Wizards is headquartered in Renton, Washington, PO Box 707, Renton, WA 98057.


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OrchestrationPiccolo, 2 Flutes (2nd opt.db.Piccolo 2), 2 Oboes, 2 Clarinets in Bb, Soprano + Tenor Saxophones [could be 1 player], 2 Bassoons2 Horns in F, Trumpet in Eb or D [or Clarinet 3 in Bb], 3 Trumpets in Bb, 3 Trombones, Tuba, Timpani, Percussion (4 or 5 players: 1 or 2 Snare drums, Cymbals, Tam-tam, Bass Drum), Harp + Celeste [could be 1 pianist]Strings (Violin 1, Violin 2, Viola, Cello, Bass)The danger of making an arrangement of this masterpiece of orchestration is that many of the inherent qualities of the original will be lost. Here, David Andrew has managed to make it more accessible to standard-sized orchestras without ruining it! The work has not been abridged or especially simplified, but the orchestration has been reduced from Ravels rather opulent set-up, some instruments have been cued into other parts and the multi-divided string parts have been rationalised to spread the workload.The two saxophone parts could be played by one player (a separate "doubling" part is enclosed), the high Trumpet in Eb (the part is also shown in D) can be taken by a 3rd clarinet in Bb and the harp and celeste parts could be played by one player on a piano. The two side drum parts specified could be played by one player as long as he or she doesnt mind not having any rest for 15 minutes! The other main differences from Ravels original orchestra are that oboe damore, cor anglais, bass clarinet and contrabassoon are all omitted and four horns here become two. If the A4 sized full score included with the set of parts seems too small, a larger A3 sized one is available separately.Duration 15 minutesA PACK comprises an A4 sized full score plus a complete set of parts including strings 4/4/3/4/2.
Click the play button below to hear a performance which has been computer-generated from the score.
Five Christmas Carols Score
by David Willcocks
Messiah (Bartlett) Org/Hpschd Cont.
by George Frideric Handel
24 Christmas Carols Set 3 Violin 2
by David Good


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Thinking of doing something special for your loved one this Valentine's Day? Make it a special delivery—by sending them a love package filled with their favourite gifts and goodies.
Whether your special someone lives near or far, they're sure to appreciate a thoughtful surprise delivered right to their door. And the good news is, it's easier to put together than you think.
Pick It The fun begins when you start picking out items to put inside the love package. Take a look at these fun themes to help you get started.
- For the sports fan – towels, blankets, t-shirts or even iron-on pillowcases adorned with their favourite college or professional sports team logo, or favourite player's number
- For the gadget geek – find the must-have technology (and required batteries) they've been pining for, all wrapped up and ready to go
- For the movie buff – gift certificates to their local movie theatre or a collection of DVDs, popcorn included
Pack It Make sure your items are cushioned for the trip to your Valentine's address.
Next, seal the box and if it's heavy, make sure you reinforce all seams using clear or brown packaging tape, reinforced packing tape or paper tape advises Canada Post.
Ship It Love comes in all shapes and sizes. So whether you're reusing a padded envelope, box or even a mailing tube, you can make sure old markings or labels don't show through by addressing your love package with an Avery Shipping Label with TrueBlock™ Technology. It's the only label that completely covers everything underneath and looks good doing it.
Keep in mind most shipments shipped within Canada can take between two to fifteen days when using Canada Post. So this Valentine's Day, do the unexpected! A love package that arrives by mail is a delightful surprise that's sure to warm anyone's heart.


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And now after so many years, I finally had the chance to travel into Hadyai again.
This time I went with some friends. Continuing from my Part 1 story, here is an interesting place we visited after reaching Hadyai on Day 1. It's so beautiful! The Klonghae Floating Market opens from 3pm -9pm from Fridays to Sundays.
Our first stop was at KlongHae Floating Market.At first glance I thought they sell pottery. Actually these stalls sell drinks to quench your thirst on a hot sunny day! Look closely behind these cute looking mini "pots".
A stroll down the lane, you will find the lots of interesting food here.
OK! Competition is stiff as many stalls tend to sell similar drinks in pots that you can take home. Doremon and Hello Kitty Pots are my favourite. A walk down that same stretch you may find more than 5 stalls selling the same stuff.
This was the entrance to the floating market. Such remarkable architecture.
As you enter before reaching the earlier floating market, you will see lots of stalls selling items like bags, knitted wear..etc Somehow I noticed many bag designs in Thailand are owls and elephants.
Continue walking further in and you will reach this stretch of floating stalls all lined up waiting for customers. Kasihan also cause they have to "cari makan" do business in the heat and it's not easy.
Admiring the landscape around the floating market area.So after you purchase your food and drinks from the floating stalls, just directly opposite there are plenty of shaded tables and benches for you to have your meal.
I have always loved how the Thais fry their eggs. Hence after walking along the floating market I decided to try their fried egg with rice.My other friends bought soft shell crabs and they offered me a piece. The soft shell crab wasn't that soft and it was quite hard to chew. It's unlike the Japanese soft shell crabs. Most of the shell I could not even eat!
This is one awesome fruit you must have in Thailand. Pineapples and they are super sweet! Any fruit stalls that you stumble upon in Thailand, buy their pineapples and you won't regret it!
After having our lunch, we explored further around the floating market area. There are more stalls walking along the steps from the Floating Market.More snacks if you're still hungry and drinks if you're still thirsty. But besides food and drinks you will be able to find souvenirs, clothes, bags and other interesting items.
Cute knitted hats. Who could resist them! I love the Minions! Imagine a baby wearing these. Awww...so adorable.
The stalls look like this in a shape of a hut.
I stumbled upon this white apparel that caught my eye. Simple, plain and nice.
Priced about 280 Baht.
And this cute red dress with Mickey hands. But obviously I can't fit into this piece and I took a photo to admire it only. The material is not stretchable and is made for super skinny people.
Walking along the stalls I also saw some game stalls where people pay 100 Baht to try their luck in winning a prize with a shot.
Got hold of these as souvenir for some friends.
Lots of different kinds of soap for sale. Mostly with whitening benefit.
I know mom's tatse. Mom would love these.....so tangkap gambar for her to see. She has waaaaayyyyyy too many clothes from her previous Singapore shopping trip, hence I won't be getting her more clothes.
Weaved bags for sale. Stylish? Yay or Nay?
Could be a fashion statement if you get a 5 Star rated ang moh model to hold these bags with high fashion. #justsaying
These cuties ate floor mats and it is super affordable. Priced at 99 Baht each.
Hadyai T-Shirts for sale.
Some souvenirs are so creative. People like me who cannot draw simply admire those who can create great work of art.
Here are some of my favourite picks in terms of designs. And the best part is you can even custom make your friend's name to the piece. Talk about a personalized gift! So that's it for my roundings at KlongHae Floating Market. More places of interest coming right up soon in my next blogpost. Hope you had fun reading this.


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Professor Mmaa's Lecture
Overlook Press, 1975 - Fiction - 225 pages
Describes the personal and professional life of Sylvester Stallone and depicts his struggle to achieve success as a film actor, writer, and director.
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Good Life
Report: South Carolina surf pollution is higher than other Atlantic coast states
South Carolina beaches had a higher percentage of pollution-tainted surf last summer than all but three other Atlantic coast states, according to a beach water quality report released Wednesday.
About 8 percent of the surf samples taken in South Carolina exceeded national standards for ocean water quality, the Natural Resources Defense Council report said. That meets the national average, but is higher than every south Atlantic state and most states on the north Atlantic coast.
Individually, only New York, Connecticut and Maine had higher percentages of beach water samples that exceeded nationally recommended standards, the report said.
The NRDC's findings don't necessarily mean the surf in South Carolina is more polluted than most other places. The Palmetto State tested more frequently last year than some states — meaning South Carolina may simply have been more aggressive at finding problems and warning the public, the NRDC report shows.
"We should commend them for it,'' said Jon Devine, a senior attorney with the NRDC, a national environmental group. "It makes sure people are aware of the areas and times when swimming is most risky.''
But Devine also said stormwater runoff is a major problem for many beaches across the country.
And South Carolina has long-standing issues with surf water quality on stretches of seashore where stormwater drains into the surf. Because of concerns about polluted stormwater, the state and some cities began testing water quality in the late 1990s and warning the public against swimming when bacteria levels soar — usually after heavy rains flush pollutants into the sea.
Swimming in bacteria-laden seawater can give people upset stomachs, head colds and fever, according to a range of national studies. No studies are known to have linked illness to polluted stormwater in South Carolina, but some vacationers individually have complained through the years about illness.
The Grand Strand historically has routed polluted runoff from streets and rooftops onto its beaches. Not only has the drainage gotten into the surf where millions of vacationers swim, but pools that form beneath stormwater pipes attract children to play in the contaminated water.
Beaches in Horry County, home to Myrtle Beach, had the highest average rate of elevated levels in South Carolina, at 11 percent, according to the NRDC report. Data supplied by the NRDC show that part of southern Myrtle Beach exceeded the water quality standard 18 percent of the time. In another stretch of Myrtle Beach, the percentage of samples above the standard jumped from 7.8 percent in 2010 to 13.1 percent in 2011.
In contrast, states on the south Atlantic coast exceeded the standard on average 3 percent of the time. Those on the north Atlantic coast were above the standard no more than 7 percent of the time on average, the report said.
Elevated bacteria levels in South Carolina last summer prompted the state Department of Health and Environmental Control to warn people against swimming a handful of times, agency spokesman Adam Myrick said. Myrick said the state has not issued any advisories this year.
Grand Strand cities are working to resolve the problem of stormwater polluting the surf, officials say. Many seaside drainage pipes carry warnings not to play in stormwater pools. The state also warns the public against swimming when bacteria levels soar or before heavy rains are expected to send more polluted stormwater into the surf.
Additionally, cities in the Myrtle Beach area have begun removing drainage pipes from the beach and installing long pipes that shoot the stormwater offshore beyond the breakers — a move NRDC and Grand Strand officials say has improved water quality in certain areas. At one point, Myrtle Beach, the state's biggest resort, had about 150 drainage pipes emptying onto the seashore.
But it will take years to get all the pipes off the beach. Each ocean outfall project costs about $10 million, Myrtle Beach city manager Tom Leath said.
"It's going to be a long time before we finish all that," Leath said.
The NRDC's report is an annual assessment of pollution along beaches where people swim. The report, which looks at 2011 data, says the United States had the third-highest number of beach closings or swim advisories since the NRDC began issuing the annual assessment 22 years ago.


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Dahlia - Emory Paul
Dahlia - Emory Paul
Emory Paul Dahlia Tubers
Flower Color: Purple
Flower Size: 12"
Mature Plant Height: Approx. 70"
Best For: Market Bouquets, Floral Design
Dahlia tubers purchased from Summer Dreams Farm will ship out in early April, weather permitting. For more information on how to grow dahlias, check out the Dahlia Care section of our website!
All dahlia tubers that we offer are grown with care on our farm in Michigan. We do not resell tubers from other growers or import dahlia tubers from abroad. Because of this, when purchasing from Summer Dreams Farm, you can be sure that you will get what you order.
We are proud to share that all of our dahlia plants and tubers are inspected by the State of Michigan Department of Agriculture prior to shipment to assure the quality of the product you receive.
Due to weather and Department of Agriculture requirements, we are unable ship tubers early and our tubers are only available to ship within the United States.


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New Orleans Tourism Marketing, Pandora Spread Music Throughout City
Live music is a mainstay in New Orleans, so New Orleans Tourism Marketing Corporation, NOTMC, has created a soulful way for fans of the city to stay tuned in to the city's authentic sound, through an integrated digital partnership with Pandora, the leading internet radio service.
With more than 70 percent of all internet radio listening on the Pandora music platform, NOTMC leverages New Orleans' eclectic sound and rich music culture to target those who seek to hear and see it live.
The custom digital platform invites listeners to "spin" the NOLA compass to select from one of five custom New Orleans stations highlighting the sounds and artists of the city's clubs, festivals, storied neighborhoods and architecturally rich streets.
Listeners are encouraged to "Follow Your Rhythm" in New Orleans to discover New Orleans' legendary music styles like Jazz, Blues, Funk and Soul, as well as its unique neighborhood music destinations like Treme and Frenchmen Street, to create the perfect "NOLA" mix. Many local artists, musicians and nationally touring groups who have composed albums or frequently perform in the city are represented, including;
1. Frenchmen Street (www.pandora.com/nolafrenchman
2. Treme' (www.pandora.com/nolatreme) – John Boutte, Professor Longhair, The Wild Tchoupitoulas, and Kermit Ruffins
3. NOLA Now (www.pandora.com/nolanow) – George Porter, Jr., Anders Osborne, and Givers
4. Bounce/Electronic (www.pandora.com/
5. Soul/Funk (www.pandora.com/nolasoulfunk) - Galactic, Papa Grows Funk, The Meters, and Johnny Sketch & the Dirty Notes
These stations can be found on Pandora by searching "NOLA" within the "create a station box" and are available across all Pandora music platforms, including desktop, mobile, and tablet applications.
NOTMC's media partnership with Pandora promotes the branded music platform through Audio spots and digital Banner ads targeted to specific demographics and music genres.
New Orleans musician John Boutte is featured in the ads. Nearly 11,000 stations have already been added since the campaign launched in mid-August.
Over 3,768 hours have been spent with the NOLA stations already, which is equivalent to over five months of exclusive time spent with the campaign in less than one month's time.


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$137.99 (check price)
Main Material: Metal Main Material Details: Iron Main Color: Black
Healthy is still popular, but eat well then exercise. It should be sleeping with a healthy way to complete the formula is one in three of the people used to sleep with Nina. Everybody should be interested in the quality of sleep, but more than 40% of people around the world still have sleep problems. No matter how snoring sleeps, it is not enough. I wake up and continue to sleep. Some people have regular sleep. But wake up and go back without cause. These problems affect the body, life, skin and brain system to lead to crashes it! 3 Easy Steps to find the right Williston Forge side dining chair for a good life. Step 1: Take a test to find out the basics of sleep. Step 2: Consult an expert physician. Step 3: Take the results from the first two steps to experiment on the realWilliston Forge side dining chair on the technology. SleepScanning To detect the pressure point. The cause of blood circulation problems by organs. Find the perfect tan for your body and soul. You will get Williston Forge side dining chair back to perfect Perfect Sleep every day at your own home. Innovative help! In addition to Williston Forge side dining chair, Sleeping Mattresses also help to deliver quality sleep with Purecare. To sleep from the United States Celliant's unique properties energize you while sleeping with 13 natural herbs to help with blood circulation. Omniguard is a Protector that protects against dust mites and bacteria. Special features of the FIT fit the edge to tighten the squaredWilliston Forge side dining chair Frio pillow with a cool feature to cool the body with the cool of Technical Textile fiber Cooling Fiber 5 times faster cooling for people with heat problems. Of the head and body, Tempsync pillow comes with special features. Adjust the temperature - Cool to balance the state of touch.It's over with the winter and the festivities. Now foliage in many countries will start to bloom for the spring. Thailand will start hot flashes. So before we enter the official summer. Let's find something fun to do with Springfield update better than before. Because of the colorful trend of spring has a great influence on fashion in Thailand. So it's another season not to be missed. In the colors of the year 2019, it must be the color of the natural color Williston Forge side dining chair color that will spell all eyes. Get the feeling of a baby buried in every heart out. Like a garden full of flowers. The trend of makeup. Fashion, dress, clothing, shoes, bags as well as the design of the interior and interior or even Williston Forge side dining chair of the decoration are all trendy pink and Williston Forge side dining chair are the elements of course. Williston Forge side dining chair and home decor items Index Living Mall design. Must be colorful. To welcome the brightness of the season. And ready for everyone to enjoy the refreshing fun of all areas of the house packed with happiness. Choose a design style in this season's collection of Modern style and use Pastel Pop tone with emphasis on attractive design. Equipped with the function. And it is indispensable to respond to the color of the flowers bloom. Today, I would like to take a room to shine the idea of a pop to be healthy. And this spring. No one can refuse to sleep, see the flowers bloom from the Living Room window to .. if we are ready to see it better. What kind of looks will the spring look like? Start at Williston Forge side dining chair just for a sweet pink bedclothes. Pair with bright yellow floor lamp. Add the original white sofa with pink, yellow and green cushions. Mint covered the area with a soft pink carpet. Tip & Trick: If you do not have a spring view, just pop in the pastel style of Pop Art. I can find paintings. Nice graphics on the wall. Immerse yourself in your own little gallery ... It's just another joy!
The Best Tips & Apps To Save Money Online Shopping | Men's Lifestyle Tips For Shopping Sales Online
I needed a simple side dining chair, and found this at the top of the search. I can see why it's so popular. The side dining chair is PERFECT. Yes I'm shouting but this is a great side dining chair. If I ever need another color, I'll happily purchase. It also fit true to size. I purchased my usual as well as one size up, and the usual fit perfectly.
If you are one who wants to decorate a new side dining chair and are thinking about the choice of color. Take a look at the following tips to help you choose the right color for you. Choose colors to suit the temperature. Choose color wisely. Choose colors like When choosing a color for the side dining chair The first thing to do is to consider the room temperature, because it will affect the sleep comfort very much. In warmer countries like ours, if we have warm colors or too much hot tones in the room, it will make us feel restless. Therefore, the color must be cool. Gray is a color that gives a sense of calm and relaxation. Or bright green and blue, it helps a lot. Choosing a side dining chair color does not need to worry about the trend too much. But what to pay attention to is the color that influences your emotions and feelings. So if you are feeling like a special color, try to spend the rest of the day with a pillow or a simple decoration. To test how well you react to these colors. The likes of people are not the same. And the influence of colors. It has a different reaction to us. See that the colors. It has the meaning of blue, added lively and refreshing. Especially blue turquoise. It will make you feel very happy and bright in the morning. If the blue sky. It will be fresh and calm with a single. Blue tone goes well with Living Room black and white or beige, so it is a color that is easy to color, white and yellow color is a wake up. If used as a dish, it will cause more appetite. If it is to decorate the side dining chair , try to reduce the intensity to yellow clay. Or if you like fresh colors. Decorated with small pieces. Cushion or frame look. It gives a fresh feeling when waking up. Green is sure to feel more natural than any color. So the green side dining chair is a relaxing side dining chair . Sleep the most comfortable But green is matched with many colors and moods. If matched with fresh colors. The orange color will make the morning to wake up very bright orange color stimulates energy and refreshing. If you put the side dining chair is also good with a pair of opposite colors in turquoise blue. Sleeping with orange makes you look optimistic and happy. White, white, is a color that makes you feel clean and happy. It is the color that makes the room wider and makes the atmosphere look relaxed. If the side dining chair is well lit in the morning, it will make you feel very happy. Pink is believed that 1 in 5 women will have a person who likes to decorate the side dining chair with pink. Pink is a sweet and young woman, dressing up in pink is not only making you feel like a woman. It also makes you feel so young. Recommended to mix pink with gray. To be more modern, purple is a color that gives the creative power. And color expresses the high self. If you use purple to decorate the side dining chair will stimulate the thinking power. And the inspiration in the morning to wake up the red color is a red color to stimulate the power. The red color that suits the side dining chair should be darker. In addition, the red color gives a modern feel and power for the newcomer to use a little red added to the room before, such as pillow cases, sheets or alarm clocks, etc. Black is a color that helps to sleep. Suitable for people who have little sleep time but want to rest. If not careful to use, it can cause stress. The advantages of black is to make it look elegant. It is widely used in rooms that are large and classic in style. The use of the side dining chair blue color will make us wake up significantly. The color of the navy is also good. Recommend to pair with Living Room woods to look mature or with Living Room color metallic to look stylish. Brown is a warm and sincere color scheme. It is a color that helps to be happy in the wake of the white. But be careful about the use. If too much will make it look sad. Good way to decorate other colors. With added brightness.
The side dining chair is one of the cornerstones of the home, as it is the cornerstone of many culinary encounters. important There are a variety of ways to create a stylish side dining chair . One of them is to choose a color because just choose the right color to your heart, it may help to make more appetite or mood good all day to see that color. Which will be your most favorite with a simple trick to choose furniture that matches. Tinted colors Although the color scheme is not limited to decor. But choosing the right color enhances the power and atmosphere of cooking. Let's see what the colors are. What is red? Living Room Red is scary for many people. In fact, if used properly and correctly, it increases the energy as well. Caution When choosing red, it is not recommended to use too fresh or too dark. And red should be matched to the neutral tones of white or black to enhance the transparency of the red Living Room should be used consistently. If you want to chase the tone to the dark red color below. Bright colors on the top to feel comfortable, not uncomfortable. And for the transparency should choose the decoration is stainless steel or metal. Light gray and wood The light gray color and the wood color represent the warmth. And invitations It also provides relaxation and relaxation in nature. The light gray Living Room is pretty with a wood grain in it. This color tone should control the level of the wood to the same level, and because of this color tone makes the room look brighter and wider, so it should be decorated with bright colors. Like a flower vase or a lovely fruit basket. Blue and blue It is a color that makes you feel fresh and energized. It should be used in conjunction with other colors in the blue color match the color of the middle of white to give fun, not boring or match with black, it will be elegant mood. If matched with Earth tone, it will make you feel fresh and calm at the same time. Should find other decorative decorations. Let's not look so boring. Or if you want to smooth. Let's focus on materials and patterns instead. Yellow and green If you like fresh colors, choose a color. And if you like light color, you can use the two colors together, this color adds fun. Color tone attracts people to approach as well. If you choose to use a yellow color to help appetite. If you like both colors and want to use the same, be careful about the use of color balance. Decorations for the side dining chair This color scheme should be a natural color of light wood to brake the freshness of the white color. Most of the side dining chair s of all homes are usually white. It makes you feel refreshed, clean and want to cook to the fullest. White is a neutral color that comes in all colors and decorations. If you like monotone color, do not forget to add vivid color with beautiful flower vases and quality Living Room .


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Harry Potter Club
May 1, 2019, 1:56 PM
by Susan Wells WW Library
[ updated
May 1, 2019, 1:58 PM
3rd grade Harry Potter Club during lunch in the library. Our club was created by students and the games made by students as well. Today we played "Snapes and Ladders" and "Go to Hogwarts" (Go Fish).
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WHEN Sheffield inventor Richard O'Neill began to read with increasing concern data showing how lacking British workers were when it came to digital skills, he decided to take matters into his own hands.
Mr O'Neill, a resident of Sheffield for more than 22 years, conceived and established a mobile science laboratory which encourages local children to learn more science, technology, engineering and maths (STEM) subjects helping to reduce the shortage of skilled STEM workers in the UK.
Dubbed Moti-Lab, this portable science lab to is designed to help make learning science and maths fun for children and to aid teachers in delivering effective science and maths lessons.
The project is already working with universities and manufacturers and Mr O'Neill hopes to expand the services internationally.
Mr O'Neill used his experience as a successful landscape designer creating interactive landscapes for young children and his desire to build on Sheffield's proud industrial heritage, to create the new social enterprise.
More than 90 per cent of jobs will require digital literacy in the near future and with small companies growing twice as fast when they have a strong web presence.
Using interactive and intuitive gutters, switches and wheels, powered by water or balls, Moti-Lab is helps experiential learning through play and encourages children to learn through their own investigations rather than through 'delivered' science lessons alone.
The entrepreneur is now working with Sheffield Hallam University to create teaching resources to accompany his portable 'lab' and following the high surge in initial interest, Mr O'Neill wants to build awareness of his invention.
Mr O'Neill said: "In a 2015 study of 1,500 UK primary school teachers, only 12 per cent said they felt confident in delivering science. This lack of confidence can lead to an array of problems, such as disengagement from science at an early age.
"How can we expect teachers to be inspiring STEM educators if we don't give them the necessary tools and training?
"This lack of inspirational STEM education can also lead to significant problems in the job market, with the UK having a shortage of 40,000 skilled STEM workers every year.
"With Sheffield having such a rich history in engineering, we need to do all we can to keep this going for future generations – and I want to play a part."
Mr O'Neill said he was massively supported and aided in his pursuit by Sheffield's Google's Digital Garage.
Having popped in after spotting it on the street by chance, he quickly found the benefit of working one-to-one with an experienced trainer who provided free teaching in essential digital skills and ways to make the business more visible.
He enrolled on a search engine optimisation and marketing course and saved hundreds of pounds after the Garage advised him how to use Facebook as an effective and free way to communicate with teachers.
He said: "You can draw many parallels between what Google is trying to achieve in teaching people digital skills and what we are trying to do with Moti-Lab.
"What's great is that I hadn't realised how much free help is available from Google.
"I was already using Google products and was confident with my digital skills, but the help I've gained from the Google Digital Garage to promote my business has not only given me better exposure but also saved me a lot of money – two vital factors if you want to run a successful business."
Feedback from previous Digital Garages has shown that 88 per cent of businesses that attended a training session have changed the way they run or promote their business online.
68 per cent of businesses surveyed said they've seen positive results after undergoing the free training – in increased sales, bookings, web traffic or social media following.
Anyone interested can simply pop in to the Sheffield Digital Garage at 15 Barker's Pool, Sheffield S1 2HB and sign up for workshops.


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"All of us have failed to match our dream of perfection. I rate us on the basis of our splendid failure to do the impossible. If I could write all my work again, I'm convinced I could do it better. This is the healthiest condition for an artist. That's why he keeps working, trying again: he believes each time that this time he will do it, bring it off. Of course he won't."
- William Faulkner


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#1 When you REALLY can't lie your way out of the obvious12-10-2008, 11:36 PM
I read this piece about a week ago, written by Gene Weingarten, a libiot (a new conjunction of liberal and idiot) who writes for the Washington Post.
I guess he thinks it's funny, but it's obvious he doesn't have the honesty to recognize that he too should fear what conservatives fear about Obummer.
From http://www.tampabay.com/features/hum...icle918021.ece
Here are some snippets:
Now that Barack Obama has won the presidency after a long and divisive campaign, it is time to start binding the country's wounds. Liberals like me have a duty to "reach out" to the other side
Gentlemen, stop worrying. Things will be fine. I'd like to respectfully and sensitively address your concerns, one at a time.
Intellectual arrogance. During the campaign, much was made of Barack Obama's alleged disrespect for regular Americans
Plain, ordinary, hardworking Americans will be allowed to keep their jobs once they have passed basic competency exams in wine discrimination, interpretive literature and general cultural sophistication. To ensure fairness, these tests will be administered by panels of highly qualified, Ivy League professors in bow ties.
Coddling terrorists. The president-elect's admitted association with a former leader of the radical Weather Underground, as well as the unfounded myth that he is a Muslim, has led to the unfortunate perception among many of you that he will be soft on Middle Eastern evildoers who want to destroy America. He will not. In the interests of global harmony, however, he will support the seating of al-Qaida as a voting member of the U.N. Security Council, though our delegate will be required to scowl at their delegate at all times.
Lefties on the Supreme Court. Nothing to worry about here. With Chief Justice Roberts and Justices Scalia, Thomas and Alito still alive and well, the court will probably remain reliably conservative for some time, despite the additions of justices Ayers, Franken, Chomsky and Farrakhan.
Socialism. No single issue dominated discourse more during the final weeks of the campaign than the fear that Obama wants to, in his words, "share the wealth." Irrationally, this was interpreted as espousing socialism. That is nonsense, and you should put it out of your mind. Socialism is a very broad term that encompasses various economic systems, including many that incorporate democratic ideals. What Obama was espousing was "communism."Nothing says "idiot inside" better than an Obama/Biden bumper sticker.
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Recent News
August 11, 2010
New resources now available to help Missourians on supplemental oxygen prepare for emergencies
Web pages launched today provide new guidance to individuals and families
Coping with emergencies and power outages is a challenge for everyone, but the problems are even more complicated for Missourians who rely on supplemental oxygen to deal with lung or respiratory problems.
The Missouri Department of Health and Senior Services today launched new web pages with additional resources to help individuals using oxygen to plan for and respond to emergency situations. The new information will be combined with literature from the department's Ready in 3 disaster preparedness program, then distributed to hospitals, clinics, home care services and other health care providers.
"These new tools were developed to make sure that people who are disabled because of respiratory problems are not left behind in an emergency," said Margaret Donnelly, director of the Missouri Department of Health and Senior Services. "To reach this important group, the department is working with care providers and asking them to share the materials with their staff and clients."
Thousands of Missourians use supplemental oxygen in their homes, in hospitals or in nursing homes every day. During a disaster, power is often knocked out and oxygen canisters might run out before new supplies can be obtained. For many people, the loss of supplemental oxygen can be life threatening.
The new resources include a checklist specific to the needs of individuals using oxygen. The information encourages people to designate multiple places they could go to obtain back-up power, including at least one out-of-town site. It advises people on oxygen to contact their local power company to be added to the priority reconnection service list. And it tells people to talk to their oxygen supplier about the plan for continuing service during emergencies. It also recommends that patients using oxygen identify individuals willing to help them during an emergency or if they need to evacuate.
Patients using oxygen also should never smoke or be around someone who is smoking or using an open flame. Such actions can cause fires and even explosions.
The advice should be used in conjunction with Missouri's Ready in 3 family safety guide, which details how to prepare for a wide range of emergencies. A family plan outline that can be adapted to individual situations can be found on the state health department's website at www.dhss.mo.gov/Ready_in_3 .
"In an emergency, several days might pass before vital services are restored and roads are cleared," Donnelly said. "These new resources provide critical information about how Missouri's oxygen users can plan and prepare for all types of emergencies. Being prepared to act quickly, and having plans and supplies in place can help you ride out a disaster."
The Ready in 3 program reminds Missourians of three simple steps they can take to prepare for and deal with all types of emergencies.
- Create a plan.
- Prepare an emergency kit.
- Listen for information.
"The new tools, when properly used, will help users of supplemental oxygen maintain supplies during an emergency while also helping emergency responders recognize and address the specific needs of this population," Donnelly said.
Mary Kramer of Rich Fountain knows first-hand the importance of having an emergency plan and practicing that plan with her family. Mary's 9-year-old daughter, Emily, relies on supplemental oxygen regularly because of heart and lung complications.
"Most days we live our family's emergency plan," Mary Kramer said. "With Emily in and out of a St. Louis hospital so frequently, my other children are separated at times and need to know how to reach each other or us at the hospital quickly."
Kramer has prepared by identifying people who can help during emergency situations and by gathering supplies for long, unexpected trips to the hospital. She also has designated alternative locations for the family to meet during power outages so that Emily has oxygen when she needs it.
"Emily could need medical attention at any time," Mary said. "So having our emergency supplies and knowing what to do and how to care for her when we are two hours from her hospital is vital. Coping with the stress of the situation is easier knowing my family has worked through our plan."
Missourians on oxygen and their care providers can order additional materials and tools on-line at www.dhss.mo.gov/Ready_in_3/ or by calling the Missouri Department of Health and Senior Services at 573-526-4768.
The Ready in 3 program is part of the state health department's ongoing efforts to keep Missouri ready to respond to natural or man-made disasters.
"We can't predict what will happen, but we can be prepared," Donnelly said.


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As many struggle to combat the post-Christmas come down and tackle the 'January Blues', new research has demonstrated the huge impact of pet ownership on our health.
As we approach 'Blue Monday', which is believed to be the most depressing day of the year, online pet healthcare site MedicAnimal's chief veterinary officer, Andrew Bucher, flags that the health benefits of pet ownership are not only physical, but also extend to mental health.
MedicAnimal's research shows humans have a strong emotional connection to their pets and that they have tangible benefits to our mental and psychological wellbeing.
The survey measured responses of more than 2,200 respondents, all of whom own one or more pets. Key findings include 98 per cent of dog owners and 96 per cent of cat owners agreeing that their pet was a member of the family.
Eight-four per cent of dog owners felt having a dog helps them have more positive relationships with other people, while 64 per cent of people feel more confident meeting new people if their dog is also present.
Almost three quarters (73 per cent) of people believe their dog is good for their mental health and 62 per cent of people strongly view their dog as a source of emotional support.
Seventy-eight per cent of people believe their cat intuitively understands how they are feeling and 86 per cent of people think owning a cat has made them a happier person.
While there are multiple benefits of pet ownership, such as companionship and reducing stress, it has been proven that having a pet makes us live longer and animals can be useful in predicting seizures, reducing blood pressure and cholesterol, and even monitoring their diabetic owners' blood sugar levels.
Andrew Bucher said: "Britain has long been touted as a nation of animal lovers, which was confirmed last year when we spent a record £6 billion on our pets, but these findings demonstrate how important our pets are to our physical and mental wellbeing.
"It will come as no surprise to pet owners that our animals are good for us. However, the results of this survey really do highlight the extent to which humans depend on their pets to give them confidence in their relationships with other people and in maintaining strong mental health.
"January may be cold, dark, wet and depressing, and Blue Monday the most depressing day of the year, however, the love, partnership and affection we show our pets is very much a two way relationship. They bring us so many benefits and it's important we remember to repay them by treating them well and caring for their needs just as though they were a member of the family."
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Women?s Outdoor All-Americans Announced
By Chad Waller, NAIA Director of Communications and Sports Information
MARION, Ind. - The National Association of Intercollegiate Athletics (NAIA) is proud to announce the 2013 NAIA Women's Outdoor Track and Field All-America Team. All-America honors are awarded to the top eight individuals in each event and all four runners in the top eight relay teams. These awards were given out at the 33rd Annual NAIA Women's Outdoor Track & Field National Championships on the campus of Indiana Wesleyan University in Marion, Indiana. The event was contested from May 23 – 25.
Women's All-America Teams – sorted by Event (PDF)
Women's All-America Teams – sorted by School (PDF)


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Dozens of hospital workers who were sent home and told to remain in isolation have tested negative for the deadly virus MERS and been cleared to return to work in Indiana, where the nation's first case of the disease was confirmed earlier this month.
But as officials in Munster, Ind., announced the end of their MERS scare Monday, health experts in Florida were beginning to deal with another case there, underscoring the ailment's potential to spread as carriers bring it in from the Middle East.
Both U.S. cases of MERS, short for Middle East Respiratory Syndrome, have been diagnosed in residents of Saudi Arabia who had recently flown to the United States. The World Health Organization says that since the virus was first detected in April 2012, there have been at least 536 confirmed cases and 145 deaths.
Most cases have occurred in Saudi Arabia, but MERS also has turned up across the Arabian Peninsula and in Greece, Germany, France, Italy, the United Kingdom, Malaysia, the Philippines, and most recently, the United States.
The first U.S. case was diagnosed in Munster, about 25 miles south of downtown Chicago, after an American man living and working in the Saudi capital, Riyadh, fell ill while visiting relatives in Indiana. He came to Community Hospital in Munster on April 28, and on May 2, the Centers for Disease Control and Prevention announced he had MERS.
The man was put in isolation to prevent the spread of the disease to healthcare workers and others. He was released from the hospital Friday and has been cleared to travel again.
In a statement Monday, health officials said the hospital workers who had been in contact with the unidentified man came up negative in their first round of tests and also tested negative in subsequent tests.
"These employees are cleared to return to work and discontinue home isolation," the hospital said in a statement.
"The public can be reassured that there is no risk to the community, as there have been no reported cases of people without symptoms transmitting this virus to another person," said the hospital's chief medical information officer, Alan Kumar.
Symptoms of the disease include fever, coughing and respiratory distress, which led another Saudi resident recently arrived from Saudi Arabia to visit an Orlando, Fla., hospital on May 8. On Monday, the Centers for Disease Control and Prevention and Florida health officials announced the man had tested positive for MERS and that he had begun feeling ill on May 1.
Efforts were underway to alert hundreds of people who may have had contact with the unidentified man during a series of plane flights he made while traveling from Jidda, Saudi Arabia. His case was not believed linked to the Indiana one.
While MERS has a high mortality rate, health officials say it appears far less contagious than another coronavirus, SARS, which swept the globe in 2003 and killed hundreds of people, mostly in Asia. They believe MERS can only be spread through close and prolonged contact and after a MERS carrier is showing symptoms.
Many of the victims have been healthcare workers believed to have been exposed to MERS on the job.
But the coronavirus -- so-called because of its crown-like shape -- worries experts because there is no known cause and no treatment.
"Whenever you don't fully understand a disease, it's a problem," said David L. Heymann, an epidemiologist and professor at the London School of Hygiene and Tropical Medicine. "The problem is that studies don't tell us how this is transmitted to humans."
Latest Nation and World news
MERS has been found in camels, but Heymann said determining how it jumped to humans would require extensive case control studies, which have not been done yet in Saudi Arabia.


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Steven Campbell
November 14th, 2019
Steven Campbell
November 14th, 2019
Home Sweet Home 20130713 White Black Red This artwork would look terrific on a large canvas,and a print on any other media would look just as stunning! www.wingsdomain.com
Wingsdomain.com is based in the San Francisco Bay Area and throughout the www, providing over 14,000 unique and eclectic personal creations as museum quality Art and Photograph Fine Art prints and custom greeting cards to collectors from all around the world. Subjects include animals, birds, landscapes, cityscapes, floral, architecture, automobiles, airplanes, locomotives, and much more. Artistically presented in a range of colors and styles including the abstract, surrealism, impressionism, pop art, modernism, contemporary, mid century modern (MCM) and many more. With over 5-Million visitors, Wingsdomain Art and Photography has gone VIRAL thanks to each and every one of my supporters. My San Francisco Bay Area Photography...
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Energy and Sustainability Management
Energy and Sustainability Management products
The Energy and Sustainability Management (ESM) team is an SKF "Centre of Excellence", delivering services and solutions to SKF facilities and customers to comprehensively achieve and sustain energy savings. The team offers a range of products, services and solutions.
ESM services
Compressed air systems
Monitor, optimize and reduce energy usage and CO2 emissions from compressed air systems.
Pump systems
Reduce pump system related energy costs and determine when to rebuild pumps or modify the system to restore efficiency.
Fan systems
Reduce fan system related energy costs and determine when to rebuild fans or modify the system to restore efficiency.
Operator Driven Reliability (ODR)
Empower operators to contribute proactively to a maintenance strategy.
ESM products
Shopfloor awareness
Cards developed to engage all employees in energy and sustainability issues.
Energy monitoring kit - CMAK 450-ML
Measure energy efficiency of compressed air systems.
SKF @ptitude Inspector
Comprehensive software solution with powerful diagnostic and analytical capabilities.
SKF Microlog Inspector
SKF's latest, most advanced system for recording inspection data.


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Latest News
WikiLeaks: Doctors of Venezuela's Hugo Chavez disagree over his health
Doctors from Russia, Cuba and China have been bickering over the president of Venezuela's health and are at odds about the leader's prognosis, according to a confidential email published by WikiLeaks.
On Monday, the controversial website released a cache of emails stolen from the Austin-based Stratfor analytical firm.
Among the communications was one from December 2011, describing how Russian doctors blamed Cuban medics for botching Venezuelan President Hugo Chávez's first cancer surgery and how they had to "clean up the Cuban team's mistakes."
According to the report, Cuban doctors thought Chávez had two years to live, while the Russian team gave him one year.
The analyst who wrote the report said her source was a "well connected" Venezuelan who is "anti-Chávez" and "working with Israel." She gave him a "B" rating and said some of his information about the administration had checked out in the past.
In a statement Monday, Stratfor CEO and Founder George Friedman said his company's email servers were hacked in December, and he called WikiLeaks' decision to publish the emails "a deplorable, unfortunate — and illegal — breach of privacy."
Friedman also said some of the email may be forged or altered to include inaccuracies and that the organization would not verify any of the communications.
In June, Chávez announced he had a cancerous tumor the size of a baseball removed during a procedure in Cuba. He returned to the island Friday, after a new lesion appeared near the site of the previous tumor. While he admitted the new lesion may be malignant, he has denied reports that the cancer had metastasized.
According to the WikiLeaks document, the source believed the cancer had started near the prostate and had spread to the colon, lymph-nodes and bone marrow.
To read more, visit www.miamiherald.com.