text: Choosing health insurance: New summary provides apples-to-apples cost comparison Print Connect Email Facebook Twitter LinkedIn Google+ By Sharon Stocker | 05 November 2012 There's a new acronym that employee benefits professionals need to learn: SBC stands for Summary of Benefits Coverage. It's an eight-page document with 15 pages of instructions, and it's government mandated—with substantial penalties for employers who intentionally fail to create them for each option in a cafeteria-style health option. The good news is that that's the extent of the bad news. In fact, the information SBCs contain really should make it easier for employees to directly compare the options for health insurance available to them. And that's an important step in the overall move toward a more consumer-friendly marketplace under healthcare reform.What's in an SBC? An SBC is a document that presents key, standardized information about a specific health insurance option in a series of tables. For example, if a company offers three options—an HMO, a PPO, and a high-deductible plan—then it would be required to produce an SBC for each one. The template for each SBC is identical and can't be modified by the employer. However, the information populating the tables must be specific to each option. For example, the first section of every SBC is a summary of key provisions such as deductibles, copays, and coinsurance. This sample shows information that could apply to a typical PPO plan. The eight questions in the first column are standard: "What is the overall deductible?" "Is there an out-of-pocket limit on my expenses?" and "Does this plan use a network of providers?" The answers to these questions, and five others, provide a pretty good overview of plan costs and features. By comparing the first pages for each of the options, an employee should begin to see the key differences in coverage. And, in the case of spouses who work for different employers, the SBCs' consistency should make it easier to evaluate options across different plans. Getting specific A second chart provides examples of quite a few "common medical events" (see sample). These include visits to a primary care doctor, diagnostic tests from blood work to MRIs, prescription drugs, surgery, emergency care, and special needs such as rehabilitation or home care. For each "event," the table shows the dollar cost of copays and the coinsurance percentage, depending on whether a network or non-network provider delivers the service. Unfortunately, most individuals have no idea how much these services typically cost. You can look at the table and know you'll be on the hook for 20% of the fees for your X-rays. But how much do the X-rays themselves cost—$50 or $500? And does that include the cost of a radiologist interpreting them? How about surgery? Does that cost thousands, or tens of thousands of dollars? Presumably, the out-of-pocket maximum (from Table 1) for most coverage will be $10,000 or less, so employees don't have to worry about going bankrupt from medical expenses. That's the real point of insurance, after all. But when you're trying to decide between several health insurance options with different monthly premiums, this table simply doesn't provide enough information to help make an informed decision. The SBC does fill this information gap for two specific events—having a baby and managing type 2 diabetes—with dollar costs attached to each line item. As you can see below, having a baby involves hospital costs for both the mother and the baby—fees from the obstetrician, the anesthesiologist, and the radiologist, as well as lab tests, prescriptions, and vaccines. The cost of these services adds up to $7,540, based on average data supplied by the U.S. Department of Health and Human Services. The actual number could be different depending on the area of the country or the costs from a particular hospital or medical practice. Still, it's a good ballpark number. And a second table shows how the particular insurance plan would cover the event, by adding up the deductible, copays, coinsurance, and limits or exclusions. Thus, the SBC allows employees to compare the bottom-line expense for two relatively costly procedures. Reading the fine print In addition to the three tables described above, the SBC presents several sections of qualifications and clarifications that are important in special situations. First is a section identifying services that are and are not covered. Each plan starts with the same list of services that tend to have high variability of coverage –such as acupuncture, bariatric surgery, chiropractic, cosmetic surgery, infertility treatment, and weight loss programs – and then must place each service into either the covered or not covered table. Second is a section of key patient rights: What happens to someone who loses eligibility for employer-provided coverage. How to file grievances and appeals. It also contains contact telephone numbers for employees who require foreign language assistance. What employers should expect As mentioned at the beginning, most employers will have to deal with a learning curve as they prepare their first few SBCs. The formatting requirements are extremely specific. The document has to be in 12-point type, but information must be contained on its specified page without spilling over to the next. Some of the text has to be used as is, and employers may have to interpret the instructions and gather information from various sources that may not be easily accessible the first time through. In addition, the time frame for completion is critical for employers whose plan year begins on January 1, 2013. Many of these organizations are having open enrollment this fall, so they need to have their first SBCs ready right away. Employers whose plan year is not on a calendar year basis will have a reprieve until their first open enrollment on or after September 23, 2012 (the SBC effective date). The ruling calls for a penalty of $1,000 per day per enrollee for employers who fail to comply with this new mandate. That could add up to an onerous penalty for large plans. Finally, it will be interesting to see whether or not participants will make use of the information in the SBCs as intended. There are few areas in people's financial lives that are as hard for them to understand as the costs of medical care and insurance coverage. It is difficult to predict whether the SBC's approach to condensing information will succeed in clarifying the subject, or if it might actually make it more confusing. That said, as healthcare reform moves forward in the U.S., participants will be required to take more control and do more decision making about which services they need and how they want to pay for them. In this context, SBCs can only help employees get used to the new environment. AuthorsSharon StockerSeattle, WA, USTel: +1 206 6247940View bioSharon StockerEmployee Communication ConsultantSeattle, WA, USTel: +1 206 6247940Read more>>View bioE-Mail | VCard Employee Benefits and Investment Defined benefit plansDefined contribution plansInvestment See all topics HealthcareAffordable Care Act researchHealthcare costsHealthcare reform 2.0Healthcare reform reading list: From the ACA archivesLong-term care insurance MedicaidMedical professional liabilityMedicareMedicare ACOs and Alternative Payment ModelsProviderEmployee Benefits and InvestmentDefined benefit plansDefined contribution plansInvestmentInsuranceAnalytics and modelingCatastrophe risk and insurance-linked securitiesInsurtechLife insuranceLong-term care insuranceMedical professional liabilityProperty and casualty insuranceRisk managementSolvency IITelematicsRisk Management and Financial ServicesEnterprise risk management Your choices regarding cookies on this site This website uses cookies to provide you with an optimized experience. 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Rocky Road Cookie Fudge Bars will make chocolate-lovers jump for joy! For your enjoyment, here we have brownies, cookies, fudge, and marshmallows all rolled into one killer cookie bar. These yummy tidbits are rich enough to be considered a candy bar. Best of all, they couldn't be easier to make. You can put this together in a little more than half an hour. Save this recipe for your next bake sale or as a gift from the kitchen to your favorite chocoholic. The nuts are optional.
The Author Says: "I'll never forget eating rocky road ice cream when I was young. It was one of my mom's favorite flavors, so it was always in the freezer. I'd pick out the almonds and marshmallows to save for last, because they were the best part. My love of the ice cream inspired these bars: a rich chocolate cookie bar topped with a rocky road candy that tastes like fudge. I hope it brings back memories of all your rocky road days like it does for me!" –Dorothy Kern
Rocky Road Cookie Fudge Bars Recipe
1/2 cup (1 stick/8 Tablespoons) unsalted butter, softened
1/2 cup packed brown sugar
1/4 cup granulated sugar
1 teaspoon pure vanilla extract
1 large egg
1/3 cup unsweetened cocoa powder
1 teaspoon baking soda
1/4 teaspoon table salt
1 cup all-purpose flour
1 (11.5-ounce) bag semisweet or milk chocolate chips
1/2 cup chopped walnuts or almonds
1-1/2 cups mini marshmallows
Preheat the oven to 350 F. Spray a 9 x 9-inch pan with cooking spray or line with foil and spray with cooking spray for easy cleanup.
In the bowl of a stand mixer fitted with the paddle attachment, cream together the butter, brown sugar, and granulated sugar. Add the vanilla and egg, and mix until smooth. Mix in the cocoa and baking soda, then add the salt and flour, and beat until well blended. Press into the prepared pan.
(The batter will be sticky; it helps to spray your hands with cooking spray to keep it from sticking to you.)
• You Might Also Like: Heavenly Peanut Butter Brownie Bars Recipe
Bake for 15 to 18 minutes, until the top just loses its sheen.
As soon as the bars come out of the oven (or a few minutes before), melt the chocolate chips in a large microwave-safe bowl on high for 1-1/2 to 2 minutes, stirring every 30 seconds until the chocolate melts and is smooth. Let it sit for about 2 minutes, then stir in the chopped nuts and mini marshmallows. Stir to coat completely.
Pour the marshmallow mixture on top of the hot cookie bars and spread carefully. Let set at room temperature before slicing. You can refrigerate the bars to speed hardening, but be sure to allow them to sit at room temperature for 30 minutes before slicing to avoid cracking in the chocolate. Store in an airtight container at room temperature. Bars are best within 4 days.
Yield: 36 bars
Recipe Source: "Dessert Mash-Ups: Tasty Two-in-One Treats Including Sconuts, S'morescake, Chocolate Chip Cookie Pie and Many More" by Dorothy Kern (Ulysses Press)
Reprinted with express written permission.

subset: commoncrawl


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Mark Dutlow | Head of Paid Media
"Mark, what?"
Mark sagely notes, "Too often do we see investment in content creation without the consideration of how the content will actually perform against key business/campaign objectives." That's a wise-talking musing which means that Mark is a guy who carefully thinks about how to get your content to not only be seen on the great vacuum that is the internet, but by the right eyeballs. Enjoys science fiction paper-backs and talking about altered consciousness.


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We've been a little busy getting ready for two shows in a row; Rock-Con and Fall-In. However we're happy to announce we've got the Santa's ready to go and have pics of the pre-painted ones above. They'll be priced at $18 a set ($10 a set unpainted) and should be just the thing for some Holiday horror themed gaming.
Check em' out here.
Also, between now and the show(s) I intend to post some pics of other painted stuff we'll have for sale, including a couple of Ramshackle Games Boring Machines and an Acheson Creations Dead Sauropod I just finished today. It's a monster, and I think I'm going to have problems taking good pics of it.
And speaking of conventions, if you're GMing a modern horror (re: zombie) game at either of the aforementioned upcoming conventions send me an email at wolfgangbrooks at gmail and we'll see if we can get you some prize support for your game.


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Content is king in battle to be heard above the noise
One of the buzz words in today's digital marketing age is content marketing. Liz Smyth explains what it is, and clears up a few common misconceptions
Content marketing has come to the fore because of the explosion in information and the difficulty in being heard above the noise of fast moving technology.
Because of the impact of the internet, the marketing and sales mission has changed from finding customers to being found. With the rise of the internet, we've left the world of information scarcity behind and entered one of information abundance.
According to Google chairman Eric Schmidt, five exabytes (or five billion gigabytes) of information were created between the dawn of civilisation and 2003 – "but that much information is now created every two days, and the pace is rapidly increasing".
This has transformed the buying process – and therefore lead generation. Buyers are overwhelmed by all the noise, so they are learning to ignore the messages they don't want to hear, and to independently research what they do want to know.
One of the consequences of this is a growing importance of the contribution marketing can make to sales. Marketing is no longer the poor relation.
According to Forrester, buyers might be anywhere from two-thirds to 90 per cent of the way through their buying journey before they contact the vendor, making it difficult for sales to influence the buyer's decisions. Buyers can now delay talking to sales until they are experts themselves. Bulletin boards make us jacks of all trades.
This is why content marketing today is or should be at the core of most companies' lead generation – from SMEs and start-ups to mature companies. A new study (from Curata Inc) found that 71 per cent of US marketers are increasing their content marketing spend in 2014.
Nearer home, the 2013 Content Marketing Report from B2B Marketing in association with Circle Research found that almost three-fifths of respondents have seen content marketing boost sales. Some 86 per cent reported that they view content marketing to be either "critical" or "important".
"Content marketing should be considered a mandatory part of every company's nurturing process," says Curata CMO Michael Gerard, "not just part of the early stages of awareness building."
The Content Marketing Institute defines content marketing as "the marketing technique of creating and distributing relevant and valuable content to attract, acquire and engage a clearly defined and understood target audience – with the objective of driving profitable customer action."
Content marketing can include articles, blogs, customer case studies, ebooks, email, infographics, guides, podcasts, slideshares, surveys, videos and webinars.
At the outset of your content planning, it's important to make a distinction between promotional content and thought leadership. Thought leadership demonstrates a deep understanding of your prospects' and customers' pain points, and guides them toward solutions.
Any vendor can publish feature focused brochures and other product-related content. But the trusted companies – the ones that rise above the noise – are those focused on offering their target audience content, that's compelling, but most of all useful,
Joe Pulizzi, the founder of the Content Marketing Institute, highlights two of the most common mistakes that companies make in content marketing.
"Firstly: a lack of formal business strategy around content. Right now, most marketers are filling content buckets, and lack a true business objective – such as revenue, cost savings, or customer loyalty – behind their content initiatives.
"Secondly: patience. Most brands still call content marketing a campaign, which implies there is a stop date. Content marketing is a marathon, not a sprint. We need to take a longer term view of how we communicate with our customers."
Ann Handley, the chief content officer at Marketing Profs agrees. "The biggest mistake is to create content that your boss or client loves, but your customer doesn't."
Such is the importance of winning trust through content marketing that the trend of brands becoming publishers will accelerate. Joe Pulizzi of Content Marketing Institute believes that marketing departments will continue their complete transformation into mini publishers.
"Analytics and data will be critical, but knowing more about our customers' consumption habits will create a more complex need for useful content. The majority of journalists will be hired by non-media companies. We will start to see non-media companies buy up smaller, niche content titles in both digital and print form."
In Ireland we are increasingly seeing freelance journalists getting more involved in what they refer to as 'corporate' work. There will still be a role for traditional as well as new media but companies will increasingly become publishers. This will not be salesy brochureware but informative content that prospects, they don't even know yet, are anxious to read or view.
Liz Smyth is the EMEA marketing director at Marketo
Sunday Indo Business


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Apple Cake is one of my favorite desserts! The first time I had it was Christmas Eve and I was only 9 years old! Unfortunately, it took until now for me to find a recipe to try it again. Yes, it has been 15 years since I have had it; and guess what? ... It is still my favorite!!
This Apple Cake tastes just like a cinnamon roll. Better yet.... one of those cinnamon raisin biscuits from Hardee's. It can be eaten for dessert.... or breakfast ;) and I always pretend it's healthy for me because of the apples. I can pretend right?
Recently my husband and I have built a new home together. With a new home there comes a lot of new visitors and entertaining. Visitors and entertaining is fine by me because I love an excuse to cook! However, my husbands family has started a gluten free-dairy free diet. When knowing they are coming for dinner I admit I panic a little. Thinking of gluten free-dairy free recipes may not seem difficult, but at the moment everything we can think of includes some type of noodle or cheese. I settle with the easy baked chicken and vegetables. But what about dessert? I'm known as the dessert queen so it has to be a killer gluten free dessert! I automatically wanted to try my apple cake. This cake has been made completely gluten and dairy free and it is just as scrumptious as before!
I have made this cake 5 times in the last two months! I'm guessing it's everyone else's favorite now too :)
If you make this Apple Cake, please feel free to come back and leave me a comment telling me what you think! If you have any suggestions please feel free to share!


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QI Healthcare
QI Healthcare's proprietary Quality Improvement software empowers hospitals to improve outcomes and efficiency while reducing costs
- Stage Product In Development
- Industry Software
- Location Cincinnati, OH, USA
- Currency USD
- Founded March 2011
- Employees 3
- Website qihealthcare.com
Company Summary
Based on innovative technology from Cincinnati Children's, QI's proprietary quality improvement software empowers hospitals to collect and analyze comprehensive clinical data to identify opportunities to improve outcomes and efficiency. QI was formed by Cincinnati Children's and CincyTech to further develop and commercialize this technology to ultimately offer it to the nation's 5,700 hospitals.
John AtkinsonCEO
John has over 20 years' of experience in founding and senior management roles with several healthcare software and media startups, including WebMD, Mede America, WHIN, SourceMedical, QI Healthcare and BuzzVoice.
John's unique combination of leadership skills, real world business experience and creativity have enabled him to repeatedly build teams and solutions that create value for customers and investors.
Previous Investors
Cincinnati Children's Hospital Medical CenterUnconfirmedCincyTechUnconfirmed


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A Romantic, Bohemian Styled Shoot at a Private Residence in Baker, Utah
Cassandra Farley Photography and a team of talented wedding professionals draws on vintage-inspired brass accents, fresh arrangements of full blooms and a color palette of green, pink, white, burgundy and gold to create a romantic, bohemian styled shoot with a whimsical vibe. The woodland setting lends an intimate backdrop for the shoot, the lush natural setting tying in seamlessly with the rustic wooden farm tables, opulently dressed with delicate lace, cascading greenery, elegant gold-edged china and gold-brushed woven details. The use of multiple textures and patterns adds dimension and intrigue to the decor, while custom designed, metallic, geometric stationery introduces a note of modern sophistication.


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You've definitely seen this room before from the post about the sitting room. I spent the majority of the weekend giving this little room a refresh. We've been popping in and out of town for the month of June and this is where everything lands between and during trips. So most of the changes are unseen organizational like the complete re-working of the closet which I will space you. Most of the other changes are small especially to people who don't live here but they made a huge difference to the usability of the room. The major change in this room is that I decided to mount the tv. I put this task off because I wasn't committed to the room's layout and I was pretty sure I wanted to pay a professional for this. This weekend, I just decided to go for it and can I tell you it was just one of the simplest task ever. By doing so, I freed up so much desk space.
Mounting the tv meant dangling cords though. I tucked most of the cords behind this paintable cord track. I didn't run it all the way to the floor because I needed to hide the Apple TV in this drawer. The drawer is directly across from and eye level to the sofa so it's a great hiding spot. I also brought this Kate Spade lamp from somewhere else in the house because the other one was too tall.
My favorite change is the presence of a new ceiling fan. We tried this room without one for a while and it just doesn't work. It's the highest point in our house and gets a ton of light (these photos were taken at like 8pm) so it gets warm and because of its size, it gets stifling. We decided on this low profile, minimally invasive fan and we love it. It does the job with very little noise and a very low profile remote which I mounted to the wall because I can definitely see it growing legs and walking off.
Other that that, the room got a few simple styling changes, mostly by shuffling things around the house and from the closets. Very happy with the simple functional changes here. Thanks for following along,


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Be it Kerala or Karnataka, the one internet connection that can drive you insane, burn up huge craters in your pockets and that from which you would rather stay away, is without a doubt the Tata Indicom connection. They claim they are 'India' best internet connection with unbeatable speed.' But believe me, that might not be the exact sentiments of the public.
The price of each pack is exorbitant. I mean, really! With so many other connections, one would think that Tata Indicom would at least try to be more competitive by bringing in actual value-added services and offer packs. But no. As the years progress, all that happens is it gets tougher to select an internet pack with VSNL's rocketing prices.
Initially we had purchased (due to ignorance and urgency) the Surf Power 7500 plan; 2 mbps for Rs. 3034/- valid for 6 months.
Since it was a new connection we thought it was ok. Also, Airtel (another lazy service) had not yet put a connection in the area we live (and still have not). But later, to recharge this Tata Indicom account, the least expensive plan they had was Rs. 1000/- for 3 months at 2mbps speed. They charge around Rs 0.38 per mb or 8/hr. This is Surf Power 3750. Isn't it a little overpriced for the normal layman??!
As I'm away from home sometimes for extended periods, upon returning, I find that the net connection does not work! Upon calling customer care services, the first time if the executives are busy they say the estimated time is less than 6 minutes. Once we get fed up and hang the call to try again after awhile, they say that the estimated time to take our call is less than 8 minutes! Now, what kind of customer treatment is that??! Plus, their number is NOT toll free. 'Appreciating that we have taken our time to call them' is not enough and is not the requirement here. Clients call them not to chit chat but to inform them how inferior their services are.
How can I not call their services inferior when EVERYDAY at sharp 10 am their servers go down??!
Recently when I faced the same issue – Error 678 – (5 times in 1 week!!!) and checked after 7 hours (according to the minimum time taken by them to resolve any issues!) to check if the internet connection was working, can u believe what the executive told me? They said that the complaint showed a status of closed because they spoke to my "Husband" and he said it was all working fine! What bullshit when my husband is away on official purposes and I answer all the calls!
Personally, I find it a big hassle to keep badgering the customer service executives with the same issue every single day. There ought to be some way by which the customer is able to speak directly to the manager or escalate the issue to someone who can ACTUALLY make some visible changes.
PS: Seems at VSNL (as an executive once told my buddy) when a particular connection is not being used for awhile, they can pull that line for another person' connection!!!! And this executive advised us to change the switch to "LOOP" when the internet is not in use s that they can monitor when the lines are being exchanged. Can you believe that?!!!


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Lush Angels on Bare Skin Facial Cleanser
Current Rating: 1/5
I will do a better overall review on this, probably. But after about 2 weeks of usage now, I feel like it is not life-changing, skin-saving, happy-inducing, or anything. Despite being a little messy to begin with (you need to make a paste with damp hands, blah blah blah), there are funky (not in a bad way) herb bits in the product, the smell is just okay - less delicious than expected, and not impressive at all. Right now I'm using this as a pre-wash massage before my other cleansers. I make a good paste and apply it all over my face and neck and chest... and of course I do this in the shower! If someone loves this, or can think of a good way to help me like it better, share with me!
E45 Lipcare
Current Rating: 0/5
Smells like crayon (fragrance free fail), Drying (soothe n protect dry lips fail), Boring packaging - the cover doesn't even stay tight always... I'm trying to find a way to get some use from it, but other than acting as a dry film (yuck) on my cuticles, this doesn't seem to work anywhere else... Received this as a souvenir/gift from a friend of my mum... Well, at least I'm glad I didn't pay for it... I believe this isn't even available in my city. Relief.
EOS (evolution of smooth) Smooth Sphere Lip Balm - Honeysuckle Honeydew
Current Rating: 4/5
Please don't get me wrong, I love the packaging (initially), the smell (super yummy melon flavour!), and I also like the moisturising factor (not the most nourishing but it's okay!). However, the plastic looks so gross after rolling in my make up bag for a few months. If anyone knows how to clean it up, please advise! Furthermore, when the dome flattens (I guess the manufacturer/designer did think of this, didn't they?), I have difficulty getting a good application. I need to make a weird mouth shape to get an even overall contact with the product. My description disappoints me, but hey, it is really 'that' disappointing...
Bobbi Brown Creamy Concealer + Loose Powder
Current Rating: 5/5
Just complaining about the packaging - hope you see the pile of powder above the divider... It is still a 5/5 product in my opinion. I guess Bobbi Brown knows about the poor packaging already, hence the repackaged version is now launched. I haven't touch or try the new pressed-powder version of this concealer set, but theoratically it won't cause such a mess like this one, right?


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A digital x-ray or digital radiography uses an electronic sensor instead of x-ray film, capturing and storing a digital image on a computer. Unlike conventional x-rays, the image can be viewed instantly and easily enlarged to help Dr. Hwang or the hygienists at Westboro Station Dental to detect and prevent problems. The advantage to you as a patient is that digital x-rays use 70-80% less radiation compared to the already low exposure of traditional dental x-rays. Digital x-rays are also better for the environment because there is no need for developer and fixer chemicals.
A dental x-ray is an essential tool that gives Dr. Hwang valuable information that can't be seen with just a dental exam to safely and accurately detect hidden dental abnormalities and formulate an appropriate treatment plan. Without x-rays, dental problems could go undetected.


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Author: Joshua Leard
The most common super mistakes, and how to avoid them
Superannuation isn't something any of us can afford to ignore. Regardless of your age, the more you know about Super, the more stable your financial future is likely to be.
Many people take it for granted that their super is just steadily growing in the background somewhere, and that they'll be able to pull on a magic golden parachute when they retire, but this won't always be the case.
So, in the interest of raising our national financial IQ, I've taken the liberty of addressing some of the more common mistakes we're making when it comes to Super.
1. Losing Accounts
Sounds ridiculous to think that you can 'lose' super, but if you change employers and switch to a different fund, it can be easy to let your old account slip through the cracks. It's estimated that 5.8 million super accounts (about 20%) are lost, accounting for $18.8 billion1. Luckily, the ATO makes it really easy for you to find any lost accounts of yours, using their SuperSeeker Tool. Just have your Tax File Number handy, and punch in your details to recover any old accounts.
2. Multiple Accounts
Data released in 2012 showed that Australians held almost 32 million super accounts, with an average of three accounts per worker.2
While it may seem like a good idea to 'play the field' with accounts with multiple funds, you're actually more likely to pay more in the long run. This is because you're paying multiple administration fees and insurance premiums. By combining your super into one account and diversifying your investment within that account, you cut down on the admin costs your super incurs.
3. Going with the flow
When we start a new job, we're often so busy that it can seem like the easier option to just throw our faith behind the designated super fund of our new employer. In fact, almost 80% of Australians are with their employer's default fund3.
For many people, this may be the right choice, but taking the time to examine your options a bit more closely is always a good idea. For example, if you prefer to have a bit more control over how your money is invested, and if you prefer to be a bit more actively involved with your super admin, see what your employer's default option will allow before you sign up.
4. She'll be right...
Under current Australian law, your employer must make contributions of 9.50%. Most people hear this and think this compulsory contribution is all they'll need to live comfortably in retirement.
The fact is that by relying solely on these compulsory contributions, you may not even have half of what you need for life after work4. For this reason, it's definitely worth your while considering salary sacrificing or personal contributions, especially as you draw closer to your retirement years.
These may seem like simple fixes, but acquiring this rudimentary knowledge can actually save you money if learnt early and acted upon. If you're interested in learning more about how you can boost your Super and ensure you spend life after work in the comfort you deserve, why not speak to an expert?
You can make an initial, obligation-free appointment to visit with a Bridges Financial Planner here. The Greater has partnered with Bridges, Australian industry leaders in Financial Planning, to provide our customers with clear concise information so they can make informed choices about their super.
If you found this article helpful, why not connect with The Greater on Social Media for regular financial tips and advice?


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An alternative medicine method. It is claimed that a therapist trained in chromotherapy can use color and light to balance energy wherever our bodies are lacking, be it physical, emotional, spiritual, or mental.
Chromotherapists claim a scientific basis for their practice, proposing that colors bring about emotional reactions in people. A standard method of diagnosis is the use of Luscher's color test, developed by Dr. Max Luscher in the early 1900s.
When performing chromotherapy, color and light is applied to specific areas and acupoints on the body. Because colors get associated with both positive and negative effects in color therapy, specific colors and accurate amounts of color are deemed to be critical in healing. Some of the tools used for applying colors are gemstones, candles, wands, prisms, colored fabrics, bath treatments, and colored glasses or lenses.
Therapeutic color can be administered in a number of ways, but is often combined with hydrotherapy and aromatherapy in an attempt to heighten the therapeutic effect. Although it has been said that animals cannot perceive colors, studies done with blind humans have shown that actual perception of the color is not necessary for effects to be produced. Color is visible light emitted or reflected at a specific vibrational wavelength; it is this unique vibrational signature, which produces the healing effect.
The relationship between color, mood, and emotion is another aspect of color therapy; the ability of various colors to excite, sedate, or otherwise affect can be used in combination with other therapies or as a separate approach.
Animals respond well to color therapy as they readily attune with natural vibrational healing.
Clinics, classes, seminars. No licensing required.


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Knights Bachelor
Prof Timothy Robert Peter Brighouse, For serv Educ.
Prof David Nicholas Cannadine, Formerly Queen Elizabeth The Queen Mother Prof, Inst of Historical Research, Univ of London. For serv Scholarship.
Alexander Crombie, Group Ch exec, Standard Life. For serv the Insurance ind in Scotland.
Dr Andrew Cubie, CBE, Formerly Chair of the Court, Napier Univ. For publ serv in Scotland.
Peter John Bellett Dixon, Formerly chm, Housing Corporation. For serv the Housing Sector.
Prof Neil James Douglas, Presdt, R College of Physicians of Edinburgh. For serv Medicine.
Robert Paul Edwards, Headteach, Garforth commty College, Leeds. For serv loc and nat Educ.
Christopher Andrew Hoy, MBE, Cyclist. For serv Sport.
David Charles Jones, CBE, For serv Business and to Charity.
Kenneth Lloyd Jones, QPM, Ch Const and pres, Association of ch Police Offrs. For serv the Police.
Nigel Graham Knowles, Chief exec and mgg Partner for Europe and Asia, DLA Piper Internat LLP. For serv the Legal Profession.
David Thomas Rowell Lewis, For serv the Legal Profession and to the City of London Corporation.
John Robert Madejski, OBE, For charitable serv.
Neil Stuart McKay, CB, Chief exec, East of Eng Strategic HA. For serv the NHS.
His Honour Judge Goolam Hoosen Kader Meeran, Formerly pres, Employment Tribunal (Eng and Wales). For serv the Administration of Justice.
Nicholas Wyndham Partridge, OBE, Chief exec, Terrence Higgins Trust. For serv Healthcare.
John Christopher Powell, chm, National Endowment for Science, Technology and the Arts. For serv the Advertising ind.
Terence David John Pratchett, OBE, Author. For serv Literature.
Bernard Francisco Ribeiro, CBE, Formerly pres, R College of Surgeons. For serv Medicine.
Prof Martin John Taylor, FRS, Prof in Pure Mathematics, Univ of Manchester. For serv Science.
Dr Mark Jeremy Walport, Dir, Wellcome Trust. For serv Medical Research.
Order of the Bath: Knight Commander (KCB)
Nicholas MacPherson, Permanent sec, HM Treas.
Jonathan Phillips, Permanent sec, Northern Ireland Office.
Order of the Bath: Companion (CB)
Patricia Margaret Aldred, CBE, Dir-Gen, Dep hd, Foreign and Defence Policy Secretariat, Cabinet Office.
John Stephen Pitt-Brooke, Dir-Gen Secretariat, Land Forces, MOD. For publ and voluntary serv.
Derek William Jones, Formerly Sen dir, Welsh Assembly Govt.
David John Pearson, Dep Treas Solicitor, Treas Solicitor's Dept.
David James Smith, Commercial dir, Dept for Work and Pensions. For publ and voluntary serv.
Ralph Edwin Tabberer, Dir-Gen for Schools, Dept for Children, Schools and Families.
Royal Victorian Order: Knight Commander (KCVO)
Peregrine Andrew Morny Cavendish The Duke of Devonshire, CBE, Her Majesty's Representative at Ascot.
Rear Adml Jeremy Michael De Halpert, CB, Dep Master, Trinity Ho.
The Rt Hon Raymond Arthur Clanaboy The Lord O'Neill, TD, Formerly Lord-Lt of Cnty Antrim.
Sir John Charles Buchanan Riddell, Bt, CVO, Lord-Lt of Northumberland.
Royal Victorian Order: Commander (CVO)
Miss Elizabeth Faith Currer Buchanan, LVO, Formerly private sec to The Prince of Wales and The Duchess of Cornwall.
Maj Gen David Leslie Burden, CB, CBE, Formerly Receiver Gen and Chapter Clerk, Westminster Abbey.
Paul Robert Virgo Clarke, Chief exec and Clerk of the Ccl, Duchy of Lancaster.
Sir Thomas Farmer, CBE, chm, Board of Trustees, The Duke of Edinburgh's Award.
Stuart Gordon Mole, OBE, Dir, The R Commwlth Society.
Phyllida Katharine Stewart-Roberts, OBE, Formerly Lord-Lt of East Sussex.
Michael John Stevens, LVO, Dep Treasurer to The Queen and dir of Finance, R Household.
Hugh Rowland Wyatt, Formerly Lord-Lt of West Sussex.
Royal Victorian Order: Lieutenant (LVO)
Ailsa Jane Anderson, Dep Press sec to The Queen and hd of News.
Peter McEuan Ashby, Helicopter Pilot, The Queen's Helicopter Flight.
Dr Khaled Omar Azzam, Dir, The Prince's School of Traditional Arts.
George Hassall, MVO, Dir, R and Diplomatic Affairs, Jaguar Land Rover.
Thomas George Stewart McCaw, MVO, Formerly Land Steward, Eastern District, Duchy of Cornwall.
Miss Charlette Helen Robinson, MVO, Administrator, Privy Purse and Treasurer's Office.
Royal Victorian Order: Member (MVO)
Edward George Bedding, Sen Painter and Decorator, R Household.
Miss Tracy Caroline Emms, exec asst to the Defence Services sec.
Michael John Field, Framing and Exhibition Conservator, R Collection.
Michael David Flynn, The Duke of Edinburgh's Coachman.
Miss Diana Rosemary Hawkins, Formerly sec to the Ladies in Waiting to The Queen.
Chief Insp John Anthony Hourihan, Met Pol. For serv Rty Protection.
Joan Mary Hughes, Entries sec, R Windsor Horse Show.
Roger Langley Judd, Formerly asst Organist, St George's Chapel, Windsor Castle.
Keith Thomas Lawler, Sen Painter and Decorator, R Household.
Miss Rachel Louise Loryman, Sec, The Duke of York's Household.
Eva Grazyna Zielinska-Millar, Sen Photographer, R Collection.
Katrina Mary Munro, Head of Design, R Collection Enterprises Ltd.
Miss Diane Stanton, Lieutenancy Offr, Somerset Cnty Ccl.
Royal Victorian Medal: RVM Gold
Adrian Osborne, RVM, Electrician, Sandringham Estate.
Royal Victorian Medal: RVM Silver
Sgt John Matthew Attwell, Formerly Orderly to The Duke of York.
Constable Malcolm Brownlee, Met Pol. For serv Rty Protection.
Dennis Michael Burge, Heating Engineer, Hampton Court Palace, Historic R Palaces.
Sgt Gregory John Gillham, Met Pol. For serv Rty Protection.
Andrew Paul Godfrey, Fruit Farm Worker, Sandringham Estate.
Kenneth Pritchard Jones, Head Groundsman, Crown Estate, Windsor.
David Francis Long, Proprietor, Water and Gas Services.
Margaret Mary Mountstevens, Formerly Daily Lady, Frogmore House.
John Daniel Powell, Yeoman Bed Goer, The Queen's Body Guard of the Yeomen of the Guard.
Keith Sanderson, Chauffeur, R Household.
Roderick Clive Truelove, Yeoman Clerk, Her Majesty's Tower of London.
Flora Wehlau, Formerly Household Attendant, Govt House, Canberra.


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Connect and have fun with like-minded people
Our range of recreational and leisure activities allows people to pursue some of their favourite hobbies and interests in a friendly group environment. Find something you love or try something new in a relaxed, fun setting. Either way, you are bound to have fun and meet great new people!
Please feel free to contact us or call on 8384 6894 if you have any questions.
Check out our calendar to see all our programs, also click on the times below to see all dates for this term.
Create-a-Card – FULL – If you would like to be put on the waiting list please contact reception on 8384 6894
Fridays 1.00pm – 3.00pm School Term Only
$3.50 per session (plus material)
Create beautiful personalised cards to give to friends and family.
No need to book, you are welcome to come along and join us at anytime.
Monday 9.30am to 10.30am & Saturday 9am to 10am School Term Only
$5.00 per session
Ann is very experienced teacher and practitioner of Tai Chi, so come along and take advantage of her knowledge and enjoy the wonderful health benefits of Tai Chi, it can help you strengthen your body and improve your state of mind.
No need to book, you are welcome to come along and join us at anytime.
Lunch with Friends
Monday's 12.00pm School Term Only
$5 per person
Come and enjoy a three course meal, soup, main and sweets at the low cost of $5. Great opportunity to have a wholesome meal and enjoy the company of others.
To book please contact the Centre by 3.00pm on the Thursday before the week of the meal.
Making Room – Booking Required
Monday's 9.30am to 11.30am School Term Only
Free to attend
Our women's "Making Room" group is about Making room for new friendships, Making room for yourself & Making room for new art and craft activities every week.
SOUND LIKE YOU?? Reserve your spot today & come be apart of our "Making Room" group.
To Book or for more info: Contact Allison on 8384 6894 Monday to Thursday
Parkinsons Exercise Group
Tuesdays 10am to 12pm School Term Only
An exercise group specifically for those in the community who have limited mobility or diagnosed with Parkinson's Disease to assist in maintaining health and wellbeing and to provide social interaction.
Medical clearance required to participate.
Contact Rob on 0409 673 672
Stretch and Relaxation Classes
Aimed at Ladies 50 plus, but everyone is welcome
Mondays 10.30am – 12pm & Wednesdays 9.00am – 10.30am School Term Only
No need to book, just come along.
Please contact Linda on 7120 7843 or 0448 857 071


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WASHINGTON — The arrests came quickly after the Sept. 11, 2001, attacks. There was the Muslim man suspected of making anti-American statements. The Middle Eastern grocer, whose shop, a tipster said, had more clerks than it needed. Soon hundreds of men, mostly Muslims, were in American jails on immigration charges, suspected of being involved in the attacks.
They were not.
After shootings last week at a satirical newspaper and a kosher market in Paris, France finds itself grappling anew with a question the United States is still confronting: how to fight terrorism while protecting civil liberties. The answer is acute in a country that is sharply critical of American counterterrorism policies, which many see as a fearful overreaction to 9/11. Already in Europe, counterterrorism officials have arrested dozens of people, and France is mulling tough new antiterrorism laws.
Many European countries, and France in particular, already have robust counterterrorism laws, some of which American authorities have studied as possible models. But the terrorist rampage at the Charlie Hebdo newspaper offices and the Hyper Cacher market prompted calls to go even further. Valérie Pécresse, a minister under former President Nicolas Sarkozy, said France needed its own version of the USA Patriot Act, which gave the United States more authority to collect intelligence and pointed America's surveillance apparatus at its citizens.
Politicians and civil rights advocates on both sides of the Atlantic bristled at that suggestion, and at a string of arrests in which French officials used a new antiterrorism law to crack down on what previously would have been considered free speech. One man was sentenced to six months in prison for shouting support for the Charlie Hebdo attackers. Up to 100 others are under investigation for remarks that support or tried to justify terrorism, authorities said.
Dominique de Villepin, the former French prime minister, warned against the urge for "exceptional" measures. "The spiral of suspicion created in the United States by the Patriot Act and the enduring legitimization of torture or illegal detention has today caused that country to lose its moral compass," he wrote in Le Monde, the French newspaper.
François Fillon, the former prime minister under Mr. Sarkozy and now a rival for the center-right, said he opposed a Patriot Act for France. "No freedom should be abandoned," he said. "I do not support fundamental legislative change." Otherwise, he said, "we give justification to those coming to fight on our land."
That the Patriot Act has become shorthand for limiting freedom underscores France's strong criticism of American surveillance. A Pew Global Attitudes poll last year found that 82 percent of French respondents said it was unacceptable for the United States to monitor its own citizens, a figure nearly as high as the opposition to American surveillance of foreigners. Among European countries, only Greece was more fervent in its objection.
"In the United States, restricting the field of liberty has not produced conclusive results," said Razzy Hammadi, a Socialist legislator from Seine-Saint-Denis, a Paris suburb. "No legislation could ever overcome the madness of a single actor of this kind of barbarism."
The United States is still, more than a decade later, facing fallout from decisions made after the Sept. 11 attacks.
Congress is expected to reconsider the scope of American surveillance as it decides whether to reauthorize the Patriot Act this year. A scathing Senate report released last month outlined in new detail the brutal interrogation carried out in secret by the Central Intelligence Agency.
And on Friday, the Obama administration paid $385,000 to settle a lawsuit from Abdullah al-Kidd, an American citizen who was arrested in 2003, imprisoned for 16 days, repeatedly strip searched and left naked in his cell. He was held, like many others, on the grounds that he was a potential witness in a terrorism case.
"The government acknowledges that your arrest and detention as a witness was a difficult experience for you and regrets any hardship or disruption to your life that may have resulted," the Justice Department said in a letter to Mr. Kidd.
Lee Gelernt, a lawyer with the American Civil Liberties Union who represented Mr. Kidd, said he hoped that European leaders did not respond in haste. "I think what we saw after 9/11 was real fear, and understandable fear," he said. "People were unwilling to speak out for civil liberties."
In that regard, the very existence of a debate in Europe is in contrast to the response across the United States in 2001, when Congress hurriedly passed the Patriot Act before many members had time to read it.
The details of any new French law are unclear, but discussion has focused on increased Internet surveillance and new authority to remove content. Adrienne Charmet-Alix, the coordinator of La Quadrature du Net, a group that advocates Internet freedom, urged caution. Everyone, she said, "must keep a cool head."
"When freedom of expression is under attack through Charlie Hebdo, when Jewish people are murdered because of their religion, when 4 million people take to the streets, shouting 'freedom, freedom,' and the government's first reflex is to create a framework to reduce this freedom, we must warn citizens," she said.
European diplomats played down any comparison between the mood in Europe and the American fear of terrorism in the aftermath of 9/11.
Prime Minister David Cameron of Britain, speaking alongside President Obama in Washington on Friday, said the Paris attacks would not be a turning point for Europe, in part because many European countries had developed their own terrorism laws and tactics over the past decade.
Mr. Obama said Friday that while violent extremism had "metastasized" and was "widespread," he added, "I do not consider it an existential threat." That is a marked contrast from the language used after the attacks in 2001, when Condoleezza Rice, the White House national security adviser at the time, said, "There is no longer any doubt that today America faces an existential threat to our security."
France has bolstered its terrorism laws several times since 2001 and has been viewed by American security officials as a strong partner. The most recent law, passed in November, includes travel restrictions for suspected terrorists and increases penalties for people who say things that are seen as supporting terrorism.
"The French were good, and their laws were tough. They didn't mess around," said David Raskin, a former chief federal counterterrorism prosecutor in Manhattan. "I was always jealous of some of their trial procedures," which he said were more favorable to prosecutors than some American court rules.


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Free STD Testing in Glen Burnie, MD
There Are 61 Public Clinics & 31 Private STD Clinics Near You
If you're looking for cheap std testing clinics in the Glen Burnie area to get a HIV, Herpes, Chlamydia, Gonorrhea, Syphilis or Hepatitis screening for yourself or your partner, you can get tested today by selecting an option below to find an affordable std test clinic near you. Same day std testing locations also available with results in 1-2 days. Learn more here.
Looking for a different city or location?
What are the STI test options in Glen Burnie,MD?
Glen Burnie is part of the Baltimore metropolitan area, and Baltimore has some of the highest STD rates in the country. Glen Burnie's rates are not quite as high. In 2015, there were 1,378 people living with HIV or AIDS in Anne Arundel County, with a prevalence rate of 292 per 100K people.
This is lower than the surrounding counties, but health officials are concerned about the rates and urge all sexually active people to always use protection, and to get tested regularly, even if they don't have any symptoms.
In 2017, Anne Arundel County had 2,234 chlamydia cases, at a rate of 389.7 per 100K people. This is lower than Maryland's rate of 552.1, but the bad news is that it's been going up. The 2017 gonorrhea and (primary and secondary) syphilis rates were 101.7 and 5.9.
There are some STD-testing clinics in Glen Burnie, and even more options in the surrounding areas. At least one public clinic provides free STD testing for HIV only. The Anne Arundel County Department of Health does STI screening and treatment. You can find them on A St SW.
Chase Brexton provides STI and HIV screening and treatment at a low cost at their clinic on Hospital Drive. CVS MinuteClinic provides basic STD screenings at several locations.
Which one is right for you?
Not Sure Which Option Is Best For You? Let us point you in the right direction for STD testing in Glen Burnie, MD
Based On Your Answers, We Have The Following Private Clinic Recommendations For You
Based On Your Answers, We Recommend An In Home Testing Kit. Peace Of Mind, Without The Hassle.
- Order a home-test kit online
- The test takes just 5 minutes and then mail in your sample
- Receive your lab results in 2 to 5 days
- FDA approved technology
- Enjoy free shipping
We'll help you find a public STD Testing Clinic
STD Statistics In Anne Arundel County, MD
STD Cases
STD Rate
STD Breakdown
Statistics reported is based on publicly available data sources such as CDC for Anne Arundel County, MD. Data is normalized to accurately report Anne Arundel County STD Breakdown.
Additional STD Test Statistics in Glen Burnie, MD
Over the course of the last few years the percentage of those living in Glen Burnie that has one STD or another has risen at times and fallen at others. Hepatitis A reported in Glen Burnie rose from two in 2012 and four in 2014. Reported cases of Hepatitis B have gone up, with 83 residents having in in 2012 and 102 having it by 2014. However, reported cases of Hepatitis C dropped from 554 to 493. In the case of chlamydia, the number went up from 1,439 in 2012 to 1,681 in 2014 as well. Cases of gonorrhea reported in 2012 were 230 and by 2014 the number of cases had increased to 322.
Glen Burnie residents can get tested at one of the many local facilities for STDs such as:
- Chlamydia
- Syphilis
- Gonorrhea
- Hepatitis C
There are few available statistics on STD testing in Glen Burnie, MD. The suburb's population is not as affected by STDs as the populations of other suburbs and cities throughout the state of Maryland. As a small suburb, Glen Burnie is less at risk when it comes to its residents contracting an STD. Educational material and medical support is always available to those in Glen Burnie that do suffer from at least one or more sexually transmitted diseases.
STD Testing and Sexual Health Education in Glen Burnie, MD
At several health centers in Glen Burnie, MD residents can obtain a safe sex kit for free. Residents can either order their kit from a health center website or they can call the health center directly. The safe sex kit includes materials such as facts about STDs in general and HIV specifically. It also contains a list of local sites where HIV testing is performed. A condom carrying case is also included in the kit and is small enough to fit discreetly into either a purse or a pocket. This includes male condoms, female condoms and a dental dam for use in oral sex. When ordering the free kit individuals have the option of having it shipped to them in an in descript package that does not reveal its contents or where it is coming from.
There are many free clinics in Glen Burnie which will test patients for herpes. The test is done in a private setting and test results are kept confidential and only shared with the individual that they apply to. The Department of Health ensures that anyone in Glen Burnie who needs an HIV test will receive one in a timely manner. The health centers at local community colleges are equipped to test enrolled students who fear they may have been exposed to the HIV virus. There are many hotlines and websites dedicated to assisting residents of Glen Burnie with any needed STD testing. Toll-free informational hotlines provide residents with more information about both HIV and Herpes.
Sexually Transmitted Diseases and Demographics in Glen Burnie, MD
Since 2014, Glen Burnie has been administering free HIV tests in honor of National HIV Testing Day. Starting in 2015 the number of young adults contracting HIV began to rise in Glen Burnie. As of 2012, 39% of the young people that tested positive for HIV were between the ages of 20 to 29 years old. Just two years prior, the percentage of people in that age group diagnosed with HIV was lower than 30%. The increase in HIV positive diagnoses seemed to be concentrated in heterosexual women and homosexual men.
As a result of these rising numbers, churches in Glen Burnie have since begun to promote World AIDS day and encourage people who may have been put at risk to get themselves tested. Schools throughout Glen Burnie responded to the increase in HIV diagnoses by changing their health curriculum plans to include providing education on STDS, including HIV.
Outreach workers in Glen Burnie and beyond then began to focus on making HIV testing easy and convenient for young people to obtain. One way that they did this was by rolling out a mobile HIV testing van, in order to travel to those who need the services but don't have the means to acquire them. Workers also made it a point to frequent areas where young people are, and hand out condoms to everyone for free. Obtaining HIV counseling in Glen Burnie is now something that young people can easily do.
STD Clinic Information in Glen Burnie, MD
Thanks to efforts made by community leaders and educational organizations there is no need for anyone in Glen Burnie to feel like they will be harshly judged for needed to undergo testing for STDs. The suburb continues to send the message that anyone who thinks they may be infected can seek the help and support they need in order to manage a positive STD diagnoses and/or avoid contracting one in the future. Teenagers and young adults are encouraged to become proactive when it comes to their sexual health and the health of the people they care for the most. Education and resources are always attainable for anyone in need. The negative stigma surrounding testing for HIV and other diseases is being eliminated from the local culture.
Other Cities Near Glen Burnie, Maryland
- Ferndale, MD
- South Gate, MD
- Linthicum, MD
- Severn, MD
- Green Haven, MD
- Brooklyn Park, MD
- Pasadena, MD
- Lansdowne-Baltimore Highlands, MD
- Riviera Beach, MD
- Fort Meade, MD
- Odenton, MD
- Arbutus, MD
- Severna Park, MD
- Elkridge, MD
- Dundalk, MD
- Lake Shore, MD
- Baltimore, MD
- Catonsville, MD
- Ilchester, MD
- Arnold, MD
- Savage-Guilford, MD
- Maryland City, MD
- Crofton, MD
- Ellicott City, MD
- Rosedale, MD
- Woodlawn, MD
- Laurel, MD
- Parole, MD
- Essex, MD
- Columbia, MD
- Lochearn, MD
- Bowie, MD
- South Laurel, MD
- Annapolis, MD
- Scaggsville, MD
- Rossville, MD
- Overlea, MD
- Milford Mill, MD
- Middle River, MD
- Parkville, MD
- Pikesville, MD
- Edgewater, MD
- Glenn Dale, MD
- Annapolis Neck, MD
- Towson, MD
- Randallstown, MD
- Carney, MD
- Greenbelt, MD
- White Marsh, MD
- Beltsville, MD
- Lanham-Seabrook, MD
- Seabrook, MD
- Calverton, MD
- Garrison, MD
- Lanham, MD
- Mitchellville, MD
- Mays Chapel, MD
- Fairland, MD
- Lutherville-Timonium, MD
- Timonium, MD
- Perry Hall, MD
- New Carrollton, MD
- Owings Mills, MD
- Cloverly, MD
- College Park, MD
- Lake Arbor, MD
- East Riverdale, MD
- Colesville, MD
- White Oak, MD
- Landover, MD
- Adelphi, MD
- Greater Landover, MD
- Kettering, MD
- Cockeysville, MD
- Hyattsville, MD
- Largo, MD
- Langley Park, MD
- Bladensburg, MD
- Kemp Mill, MD
- Joppatowne, MD
- Greater Upper Marlboro, MD
- Brock Hall, MD
- Wheaton-Glenmont, MD
- Olney, MD
- Reisterstown, MD
- Glenmont, MD
- Chillum, MD
- Eldersburg, MD
- Takoma Park, MD
- Walker Mill, MD
- Silver Spring, MD
- Wheaton, MD
- Aspen Hill, MD
- Marlboro Village, MD
- Edgewood, MD
- North Kensington, MD
- Coral Hills, MD
- Forestville, MD
- Fallston, MD
- Suitland, MD
- Suitland-Silver Hill, MD
- District 5: Queenstown, MD
- North Bethesda, MD
- Redland, MD
- Bethesda, MD
- Marlton, MD
- Washington, DC
- Bel Air South, MD
- Rockville, MD
- Hillcrest Heights, MD
- Camp Springs, MD
- Rosaryville, MD
- Bel Air, MD
- Bel Air North, MD
- Glassmanor, MD
- Gaithersburg, MD
- Montgomery Village, MD
- Clinton, MD
- Oxon Hill, MD
- Mount Airy, MD
- Oxon Hill-Glassmanor, MD
- Damascus, MD
- Arlington, VA
- Potomac, MD
- North Potomac, MD
- Alexandria, VA
- McLean, VA
- Friendly, MD
- Travilah, MD
- Aberdeen, MD
- Seven Corners, VA
- Germantown, MD
- Bailey's Crossroads, VA
- Westminster, MD
- Green Valley, MD
- Falls Church, VA
- Clarksburg, MD
- Lake Barcroft, VA
- Idylwood, VA
- West Falls Church, VA
- Jefferson, VA
- Lincolnia, VA
- Tysons Corner, VA
- Groveton, VA
- Great Falls, VA
- Wolf Trap, VA
- Fort Hunt, VA
- Hybla Valley, VA
- Merrifield, VA
- Fort Washington, MD
- Annandale, VA
- Kingstowne, VA
- Franconia, VA
- Vienna, VA
- Havre de Grace, MD
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- Springfield, VA
- Easton, MD
- Mount Vernon, VA
- Waldorf, MD
- Dranesville, VA
- Sugarland Run, VA
- Accokeek, MD
- Urbana, MD
- Oakton, VA
- Linganore-Bartonsville, MD
- Reston, VA
- West Springfield, VA
- Newington, VA
- St. Charles, MD
- Fairfax, VA
- Herndon, VA
- Kings Park West, VA
- Burke, VA
- Countryside, VA
- George Mason, VA
- Bennsville, MD
- District 8: Bryantown, MD
- Newington Forest, VA
- Burke Centre, VA
- McNair, VA
- Sterling, VA
- Fair Oaks, VA
- Franklin Farm, VA
- Fairfax Station, VA
- Lorton, VA
- Frederick, MD
- Ballenger Creek, MD
- Lansdowne, VA
- Ashburn, VA
- Chantilly, VA
- La Plata, MD
- Hanover, PA
- Centreville, VA
- Lake Ridge, VA
- Broadlands, VA
- South Riding, VA
Affordable Same Day STD Testing in the Glen Burnie area with Results in 1-2 Days
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- Safer STD Testing is an informational referral website. It refers customers to nationally reputed private STD Testing service providers ("Preferred Service Providers" or "Advertisers"). Safer STD Testing is not a medical or healthcare professional facility or a provider of any medical or healthcare services. Safer STD Testing gets compensated on net purchase of products or services by our users referred to such Preferred Service Providers. Click here to read our full disclaimer.
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- Please contact the individual public clinic to confirm pricing. Test pricing at public clinics many times depend on income and welfare eligibility.


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Fossil Fuels and the Carbon Cycle
Engage Students by Asking...
Begin by encouraging students to share their ideas about microbes. Ask questions, such as the ones listed on this slide, to prompt students' thinking. Make note of any other questions that students raise.
Over the course of this activity, students will learn that microbes are any organisms that are too tiny to observe with the unaided eye. Students will observe members of three different groups with microscopic members: bacteria (in yogurt), fungi (baker's yeast) and protists (paramecia or other inhabitants of pond water). Of these groups, only bacteria consist exclusively of single-celled, microscopic members.
"Microbe" is a general term used to refer to a living thing too small to see without magnification. Many biologists do not consider viruses, which are unable to live and reproduce on their own, to be living. However, viruses usually are included in the study of microorganisms, because they play important roles as disease-causing agents, and are able to transfer genes among bacteria and other cells.
Keywords: bacteria | hand lens | microbes | microorganism | microscope | paramecium | pond water | yeast | cells
- Moreno, N., Tharp, B., Erdmann, D., Rahmati Clayton, S., Denk, J. (2008). The Science of Microbes Teacher's Guide. Houston, TX: BioEd.
- National Institute of Allergy and Infectious Diseases. Mycobacterium tuberculosis.
Your slide tray is being processed.
Funded by the following grant(s)
National Institute of Environmental Health Sciences, NIH
My Health My World: National Dissemination
Grant Number: 5R25ES009259
The Environment as a Context for Opportunities in Schools
Grant Number: 5R25ES010698, R25ES06932
Houston Endowment Inc.
Foundations for the Future: Capitalizing on Technology to Promote Equity, Access and Quality in Elementary Science Education


text:
Latest News
Florida Rep. Rivera faces federal probe over casino contract
Federal investigators have opened a second criminal probe of U.S. Rep. David Rivera, examining undisclosed payments from a Miami gambling enterprise to a company tied to the Republican congressman, The Miami Herald has learned.
Agents with the FBI and the Internal Revenue Service have begun interviewing witnesses knowledgeable about a $1 million consulting contract between Flagler Dog Track — now known as Magic City Casino — and Millennium Marketing, a company co-owned by Rivera's 70-year-old mother and her business partner, according to sources familiar with the investigation.
The involvement of the IRS, and the questions agents have asked, indicate Rivera is the subject of an income-tax evasion inquiry.
In the next few weeks, federal agents are scheduled to interview Lori Weems, a lobbyist and lawyer who drafted the consulting contract while representing the Magic City Casino, sources said. Earlier this year, FBI agents also interviewed Esther Nuhfer, a Miami lobbyist and political consultant with close ties to Rivera, sources said.
The Havenick family, which owns the casino, have also spoken to investigators. A number of other lobbyists and consultants have also been interviewed by state investigators.
Both the FBI and the IRS declined to comment on the case.
Rivera has long denied wrongdoing. Through his campaign, Rivera said in a Thursday email that he has not been contacted by federal investigators, and said that he has never received "income" from the casino or Millennium Marketing.
The previously undisclosed federal investigation is separate from a state probe of Rivera's finances launched by the Miami-Dade State Attorney's Office and the Florida Department of Law Enforcement last year, shortly before Rivera was elected to Congress. However, state investigators have also examined the dog track payments, sources have told The Herald.
Roberto Martinez, an attorney for Magic City, would not discuss details of either of the investigations.
To read the complete article, visit www.miamiherald.com.


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About Factory Farm Map
Food & Water Watch works to ensure the food, water and fish we consume is safe, accessible and sustainably produced. We work to promote the practices and policies that will result in sustainable and secure food systems that provide healthy food for consumers and an economically viable living for family farmers and rural communities.
Why did we create this map?
We wanted to illustrate something that people in rural America have known for a long time: independent family farms are being replaced by factory farms, and these facilities are overwhelming some regions of the country. This method of raising livestock harms rural communities and puts small family farms out of business. It takes away consumers' choice at the grocery store, makes food safety problems happen on a larger scale, and creates more waste than the surrounding environment can adequately absorb. It keeps animals packed tightly together inside buildings and relies on overusing antibiotics, creating a perfect breeding ground for antibiotic-resistant superbugs that can make all of us sick.
Concentrating the amount of animals into one factory farm, and certain types of factory farms into one part of the country, also concentrates the effects of their waste on the environment. And it sends products from unsustainable, potentially unsafe facilities far and wide before a problem is even detected, putting consumers all over the country at risk.
How did we get here?
Many independent, small- and medium-scale farmers have been forced to get bigger — or get out of farming. And the ones that remain are at the mercy of the few big companies that control the meat system from farm to fork. Because farmers have only a few options for selling their meat to processors, they are forced to do so for low prices — sometimes even less than what their livestock cost to raise. These bad economics pressure many farmers to quit raising livestock, and pressure others to try to make up for low prices per animal by raising more animals.
How do we change the system?
For several decades, agricultural policy in the U.S. has been based on this "get big or get out" approach, which is incompatible with a sustainable food system for consumers and producers. That's why Food & Water Watch is working with our allies to change the rules, by making the Environmental Protection Agency regulate the waste from factory farms and reining in the giant meat companies to create a fair market for livestock so farmers could actually make a living without turning their operation into a factory farm.
For more information, download Factory Farm Nation: 2015 Edition the complementary report to the Factory Farm Map.


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08 March 2012
In the mood for Spring!
Basically, I just feel like mentally and emotionally I'm just not ready for the changes that are about to rock our world!! It's going to be a challenge, but I am looking forward to it, even if I'm not quite ready yet! I can't wait to meet my new little guy!
Also? I'm really looking forward to Springtime and nicer weather!!! I took these photos last Spring and just decided to yank them out of archives and do something fun with them. :)
Are you looking forward to the sunny fresh air & flowers just as much as I am??
12 comments:
- Rachel Schenendorf said...
i was going to comment yesterday when i read your denial post, but i got crazy at work....i know EXACTLY how you feel. i was in denial for basically my whole pregnancy....unmotivated to get stuff done and just like you said, not ready for the changes. almost like if we stay in denial, the sweet little baby will come and all we'll have to face is the good, perfect stuff and not the really hard stuff. cuz it's hard! really, really hard! you are going to do awesome, mama!!! you have such a great support system!i know you already know that. anyway, i just wanted you to know i felt exactly the same way and i get where you're coming from...
and those puffy white flowers? i just want to stuff my whole face in them! they look scrumptious!
- March 8, 2012 at 6:36 AM
- Ashley said...
Gorgeous gorgeous flower photos. Oh man do I want warmer weather, pretty colors and spring time!
- March 8, 2012 at 7:56 AM
more than you know!! my post yesterday was a complain session about this long winter!! bring me some sunshine!!
- March 8, 2012 at 8:56 AM
Oooh, it will be so nice having a springtime baby vs. a winter baby, walks will be so much more enjoyable with the warmer weather.
- March 8, 2012 at 9:07 AM
- Emily @ PeckLife.com said...
I'm dying for some spring! This Seattle weather depresses me wayy too often. Can't wait to get outside or just see some flowers blooming! Your pictures are gorgeous!! It reminds me that I need to head over to the arboretum as soon as those fluffy cherries start blooming! :)
- March 8, 2012 at 11:07 AM
- amy@agoodlife said...
totally in the mood for spring... today made me VERY spring hungry. and you know i know what you mean about being in denial for baby 2! don't worry, you'll figure it all out ;)
love the color palettes!
- March 9, 2012 at 12:02 AM
- Mindi said...
Love these flowers! Can't wait for all of DC to start blooming. The Cherry Blossoms are just incredible here!!
- March 9, 2012 at 6:35 AM
- Stephanie Doyle said...
I am so ready for Spring!!! Hunter lives being outside and I really hate it when it's cold, so he'll be so much happier!
- March 9, 2012 at 9:03 AM
- Becca said...
Beautiful flowers! Spring is wonderful. :)
- March 9, 2012 at 11:54 AM
- Thauna K said...
Beautiful pictures! I wish Spring would arrive here in Utah.
- March 10, 2012 at 8:23 PM
- Tara said...
so beautiful! And I know you will rock the 2 kids thing! :)
- March 13, 2012 at 10:17 AM
- aimymichelle said...
i can't wait for the flowers.
- March 16, 2012 at 2:11 PM


text: Today's post comes from the sold out Lily Pulitzer for Target collection. It was quite humid and I had to run some errands, so I wanted to wear something comfortable. I tend to shy away from strapless items all because for the longest time it was hard for me to find a supportive strapless bra, but I have found one that works well, so you may be seeing more of my shoulders this Summer. What I love about this jumpsuit is the print. The online picture did not do this jumpsuit any justice. From far away, its just a cool looking blue & white print, but up close you get to see the fish detail. I'm a Pisces, so I found it funny that I ended up with the fish printed jumpsuit (wasn't planned that way, but hey it works). Secondly, I love that it was not tight. There are times when I feel its necessary for a form-fitting jumpsuit, but this one works better on the looser side (in my opinion). My necklace is called the Acid Fringe Necklace from Baublebar. This necklace has become my new favorite item. I have already worn it several times because of its simplistic versatility. I wear this necklace with dresses as well as tees, and I always receive compliments. It also comes in neon green, which is cool for those who want a pop of color which would have worked well with this outfit as well. My sandals are Circus by Sam Edelman; these were featured last week in my Score of the Week. These sandals are quite comfy, and if you are in the need of a cute simple slide, I suggest these (especially for $30). The goldtone cat-eye sunnies are from Miu Miu.


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Sarah Palin to speak in Iowa next month
Sarah Palin suddenly seems to be everywhere.
The 2008 GOP vice presidential nominee has been added to the speaker's list for the Iowa Faith and Freedom Coalition's fall fundraiser on Nov. 9,reports theDes Moines Register.
Palin is not replacing Sen. Mike Lee, R-Utah, who remains the keynoter for the Des Moines event.
Why Lee? Some people may not remember that Lee was one of the first Republicans to make a big push to defund President Obama's health care law — a campaign he began in July. Even before the Senate's summer recess started, Lee put Senate Majority Leader Harry Reid, D-Nev., on notice that he and Republicans who signed on to his strategy would tie their Obamacare proposal to the stopgap bill to fund the government.
The Utah senator got overshadowed by the 21-hour protest by his buddy, Sen. Ted Cruz of Texas. Fast forward to today, Day 14 of the partial government shutdown, and that helps explain why Iowa Republicans are probably excited to have Lee and Palin on the rubber chicken circuit.
Palin, Lee and Cruz were among those who protested Sunday at the World War II Memorial, one of the most potent symbols of the partial government shutdown. The former Alaska governor also campaigned Saturday for Steve Lonegan, who is running for the U.S. Senate in New Jersey.
Follow @ccamia on Twitter.


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Relationship Kit # 1 Designed by Yvonne Phillips - Special Pricing
Who doesn't need assistance with a relationship? These kits will provide you with the products to increase your chi energy to bring that new relationship to you. It will also support your current relationship and should be placed in the Northwest area of a room or the Southwest part of a room if you are using compass Feng Shui. Each Kit contains 1 each 4 layer jade puzzle ball with display stand (the jade will protect your relationship as well as yourselves), and a gorgeous pair of solid Rose Quartz Love Birds sitting on a Jade Lily Pad.


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Attack Games
Home » Attack Games
Attack Games - Forget about peace, these games are all about taking the offensive!Sometimes its just a heap of fun to go on a violent rampage (only digitally obviously!). Attack games let you do just that! This type of game is all about defeating your enemies and engaging in no holds barred combat. Attack games can cover a wide range of genres; from medieval base builders to rampaging dinosaurs and clash of clans style PvP titles. Goodgame Empire for example is a game of conquest - you must build up your ancient village, train troops, and fight against other online players. London Rex alternatively allows you to rampage through the streets with a huge T-Rex and cause destruction. Why not check out are other attack games today and engage in some fierce action?
We collected 130 of the best free online attack games. These games include browser games for both your computer and mobile devices, as well as attack games apps for your Android and iOS phones and tablets. Here we show you games 1 - 56, including Yohoho.io, EvoWars.io, Wolf Simulator: Wild Animals 3D, and many more free games. These attack games received a rating of 9.1 / 10 from 131106 votes.
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12-35 High Street, Millers Point. Sydney, New South Wales
Miller's Point has a large number of terrace rows, however many differ from typical terraces in their Edwardian style and their unusual layout and arrangement. There are at least six massive rows of such terraces near the harbour at High Street and Windmill Street along Walsh Bay and a redevelopment area which is now called Barangaroo. At least four of these rows are nearly carbon copies.
The houses at 12-35 High Street are in fact early maisonette style flats laid out in a row of 13 terrace style compartments each with two houses (upper and lower level) sharing party walls and large verandahs. There are minor party walls between each pair and major party walls house the chimneys with terracotta pots. Rather than being dressed in iron lacework, they are instead dressed in wood slats or simple lattice with large brackets at the party walls and twin supports in each bay. Each storey has simple double hung windows and french doors. A central stairway provides access for tenants to the upper levels. There are gables fronting every third compartment of the row and two edwardian style pavillions at either end. The roof is currently corrugated iron, but others in the area share a similar design with terracotta roofs which would seem more consistent to the style. So at some stage the original roofs may have been replaced.
I'm not sure of the exact date or architect, however the style would put them somewhere between 1890 and 1915.


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GeneralPublic Group active 2 days, 12 hours ago
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Minutes General Meeting Aug 17, 2019
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Experience design is an approach to interdisciplined design where the focus is not on the feasibility or viability of a solution, rather the desirability of a solution with the identified target.
It is an approach where the outcomes are driven by research and an in-depth understanding of how a desired message will reach a target customer. In identifying a specific customer, we can gain a better understanding of the way that they consume media and messages and therefore craft a message that will be hard to ignore within their world and cultural context.
My approach has been honed over 15 years, working in experiential branding and events companies, design consultancies, advertising agencies and customer experience companies. Over this time I have developed a strategic approach that compliments my experience in brand design, print & graphic design, digital & online design and web development so that the work is highly relevant and engaging where it needs to be.


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Item # SNZ002WItem # SNZ002W
Protect your investment.When you ride hard, your frame feels it. When your drivetrain is poorly calibrated or you just had a bad day, sometimes your frame feels that, too. Regardless, if you're on a Santa Cruz, or you just want to rep the company, slap on the Santa Cruz Molded Chainstay Protector to keep that drive-side stay looking sharp, and quiet, too. It protects your drivetrain and frame from one another.
View more Chain Guides & Bash Guards
Reviews & Community
Fits perfect on the 5010, easy
- Familiarity: I've put it through the wringer
Easy to use and put on. Fit perfectly on 2018 5010 2.1. I took some time to deburr the mold marks on the inside though, since I didn't want to hurt the paint on the frame.
*UPDATE - used it for about 6 months, then took it off to clean and found that dust/dirt underneath had some horrid rubbing damage. So, I went back to thick mastic tape.
Doesn't fit properly on the Hightower LT
- Familiarity: I've used it several times
Wanted to replace the protector for my HTLT on a size XL. My hopes were low because of the XL frame as well as this being more of a "generic" type of listin.. the bend is slightly different so it fits, but its not a perfect fit. I would reach out to santa cruz directly if you have a Hightower LT.
Protect Your Carbon
- Familiarity: I've used it once or twice and have initial impressions
This fits very snugly and looks very nice on my SC Bronson CC. I was thinking f making my own Chainstay protector, but this ended up being about the same price, and this looks way better! I used some green fingernail polish to colorfill the Santa Cruz logo and now it looks even better!
Why wouldnât you do it?
Wether it be you are ripping the downhill or pedaling cross-country. You just spent all this money on your brand new bike, why wouldnât you spend the extra couple bucks and protect not only your frame but your chain too. Itâs an easy call. Go ahead, pick one up.
Easy to replace if worn out
Good at keeping chain noise and damage on stays to a minimum.
Chain slap? Who really cares with this!
- Familiarity: I've put it through the wringer
Protect your drivetrain and frame from one another. This comes as stock on the Santa Cruz bikes I've owned - Worth putting a cleanly cut zip tie on this so that it remains in place.
Snap it on and go!
- Familiarity: I've put it through the wringer
Protects from chain slap, job done. :) . Keeps the clean look clean .
Hi will this fit a Santa cruz Bantam? Pls. advise. Thanks in advance.
will this fit my 2006 Santa Cruz Blur?
will this fit my 2012 santacruz v10?
Will this fit a Santa Cruz blur LT
Will this fit the 2011 nomad c?
Fits the Carbon
- Familiarity: I've put it through the wringer
I love riding my carbon Bronson and I want to ride it for a long time. This fits snugly to the chain stay and protects well from chain slap. If you misplace one while cleaning the bike its not expensive to replace.
does it fit a 2014 5010?
Hey Jimmie,
This chainstay protector should work great on your 2014 Santa Cruz 5010. Feel free to shoot me any more questions.
Expert Gearhead
Hello, will this chainstay protector fit my Tallboy LTC?
Called Santa Cruz and spoke to the tech department. He told me that this chainstay protector will not fit on a Tallboy LTc. It is not designed for this bike, it is too small.
Will this work on the SC Highball 29er?
This Molded Chainstay Protector will fit your Santa Cruz Highball 29er.
Contact me with any questions about Santa Cruz bikes:
Nice but not tight enought
- Familiarity: I've used it several times
I think this make a SC bike just look more complete than a Lizard skins cover. However, after a very rough and sketchy descent yesterday, I lost it somewhere on the single track. I will be buying another, but this time, I'll be using zip ties to keep it on the bike.
Will this molded protector fit a bantam?
This Molded Chainstay Protector will fit your Santa Cruz Bantam.
Contact me with any questions about Santa Cruz bikes:


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Charles Schwab Asks Teens to Take Savings Pledge, Make Change Count
In an effort to extend its MoneyWise financial literacy program, San Francisco, Calif.,-based Charles Schwab Foundation is encouraging teens to log on to its website to take part in the (free) Make Change Count Pledge, and commit to four personal steps: save money; spend wisely; plan for college; and share what they learn."Our goal is to empower teens with the knowledge and skills to make smart financial decisions throughout life," said Carrie Schwab-Pomerantz, president of Charles Schwab Foundation. "We know that teens have the ability to strongly influence other people in their lives, so it's our hope that they will take the Make Change Count pledge as a first step on the path to lifelong financial well-being for themselves, and for the benefit of their friends and families as well."
A key part of the program is helping teens understand the importance of differentiating between "wants" and "needs." Schwab-Pomerantz admits the definition is not always black and white. "The interesting part of the discussion concerns the more gray areas -- for example, in some families a cell phone (for a teen) may be a want, but in others, it's a need. The key is to discuss purchase decisions in the context of your family, weighing short-term gratification against long-term goals."
Teen Tamara Johnson, a Money Matters scholarship winner and National Ambassador for the Money Matters: Make it Count program, told WalletPop that learning to save money changed her life. "When I first began participating in the Money Matters program, I was working at the time and getting my paycheck every two weeks, but I soon realized that the money I was making could be used for a greater purpose instead of the new shoes I wanted ... The money I saved through my high school career is now helping me as a college freshman."
Hopefully, it's a lesson that catches on. Schwab-Pomerantz told WalletPop the secret to staying motivated on a savings plan is to, "keep your eye on the end goal, and in the meantime make it as real as possible. For example, if college is the goal, visiting college campuses or even something as simple as posting photos of various colleges or universities can be motivating. When a goal is abstract, it's too hard to hold dear."
Johnson said, "I believe many adults don't realize how many teenagers there are who actually want to learn about financial literacy. I know as my friends and I grew up, we all wanted to learn how to plan for college and use our money wisely. The only problem was we didn't know where to go to get the resources."
The Charles Schwab Foundation wants to change that. In addition to its efforts to bring financial literacy into partnerships with the Boys and Girls Clubs of America, as well as lobbying with the Jump$tart Coalition to include finance management within the public school curriculum, the organization has created a website featuring savings calculators, budgeting plans, financial aid information and interactive games.
"Teens have their entire lives ahead of them," said Schwab-Pomerantz, "Although we are dedicated to helping people of all ages achieve financial well-being, we believe that helping future generations carries special promise ... We also know that the financial world has become extraordinarily complex -- so it is more essential than ever for teens to become astute consumers of financial products and smart decision-makers."
Schwab-Pomerantz told WalletPop the foundation hopes at least 50,000 teens will log on and take the pledge by the time the program finishes at the end of March 2011. "We plan to take the next five months to encourage teens to take the pledge," said Schwab-Pomerantz, "and will
announce the results in April to coincide with National Financial Literacy Month."


text: Share: Comments Print October 29, 2013 at 4:49 PM Ethics Commission recommends fine for pro-Ed Murray PAC Posted by Lynn Thompson A Seattle Metropolitan Chamber of Commerce political-action committee supporting Ed Murray for Seattle mayor has agreed it violated city and state campaign-disclosure laws when it failed to disclose a $15,000 contribution from Vulcan, according to a proposed settlement agreement after a Seattle Ethics and Elections Commission investigation. The commission will vote Wednesday on a recommendation to fine Civic Alliance for a Sound Economy (CASE) , the Chamber's political arm, $1,500, with half suspended if there are no further violations through the 2015 election cycle. Wayne Barnett, executive director of the commission, said Vulcan should have been listed among contributors to People for Ed Murray, an independent expenditure committee, and also as one of the committee's top five contributors. Vulcan had made a contribution to CASE, which then gave money to People for Ed Murray. "When CASE made the contribution, they were obligated to disclose that Vulcan's contribution had been earmarked for Ed Murray," Barnett said. Seattle Mayor Mike McGinn's re-election campaign filed an ethics complaint in September alleging that two-business-funded PACs supporting Murray colluded to deliberately conceal information from Seattle voters, including other business donations to the Chamber PAC. The Ethics Commission investigation found only that the Vulcan contribution should have been disclosed because it came with specific instructions for how it could be used. Both Murray and McGinn have gotten support from independent expenditure groups that can raise unlimited money and are not subject to the $700-per-donor limit that applies to candidate committees. Two union-funded committees have backed McGinn with more than $100,000 while People for Ed Murray raised more than $150,000 for the primary. Another independent expenditure committee, People for a New Seattle Mayor, has raised more than $100,000 for the general election, with the biggest donation, $45,000, coming from the Seattle Firefighters Union, and $15,000 from the Seattle Police Officers Guild. Comments | More in Politics Northwest | Topics: Mayor Mike McGinn, Seattle Ethics and Elections Commission, Senator Ed Murray


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When you are thinking about choosing a color for your siding, it is essential to choose a color or a combination that suits your taste and also your neighborhood. Think about your priorities and whether you want your house to blend in or to have a color palette that sets it apart from the other homes on your block. Choose a color or color range that makes your house feel personal to you.
Single Color
Using a single color on the siding and the trim is one way to get a very simple effect. With a single color used, you will be able to get a very undiluted look. You do not have to worry about other colors influencing the look and the color will be very pure. A single color is a good choice if you want a simple effect and you do not want to worry much about matching.
If you prefer a very subdued look for your home, consider painting it neutral, natural colors like brown, beige and taupe. Natural colors give your home a very mild, gentle coloration, one that does not fight with its surroundings. If you feel that you would get bored with the mild colors of a natural house, try offsetting them with jewel-toned shutters, which give your home a bold accent without overwhelming it.
Pale Colors
Pale colors have the benefit of releasing heat. As vinyl siding soaks up heat in the summer, darker colors will encourage it to retain more heat. If there is too much heat present, the siding can buckle and distort. Choose a color that you like, whether it is red, green, blue or even purple, but dim the shade down to a pale pastel. The paler colors will help the house shed heat and it will also prevent the siding from distorting.
Bold Colors
If you have a modern home or even if you have a more traditional home, consider using a bold color and then trimming the siding with a very neutral white. The white trim calms the bright color down, and it can also help your home stand out from the rest. Consider a vibrant blue or a lively green to give your home the energy that you want it to have.


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I chose Hayao Miyazaki. Obviously I didn't even come close. I love his character development sketches, especially of small children. So for my project, I decided to do a charcter based on my older sister, Iwa. I asked my mom to send me a bunch of pictures of her as a kid for inspiration.
Here is the result.
And just for fun, here are my favorite pictures of kid-Iwa! ^_^
This one served as the inspiration for my storyboard project:
Love this one. Could be little Kiki!
And last but not least, my all-time favorite picture. This one describes quintessentially our childhood relationship. Iwa did something evil, and made me cry, but is looking like a little angel of innocence!
Too good!


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Current Location:United StatesChange Location
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Home > Case Studies > Spinnaker Real Estate Partners and Steven Wise and Associates LLC
As leasing agent for The Campus (1 Blachley Road, Stamford, CT), the vacant, 800,000-square-foot former Clairol World Headquarters' manufacturing and office facility presented numerous challenges to the team: the property was a large, mixed-use building, located in a residential neighborhood in a soft real estate market with shrinking industrial demand.
The owners purchased the property on spec, with no tenant prospect in sight during the recent financial meltdown, and the building required a major capital investment to convert it from single occupancy to multi-tenancy.The building was also very dated in appearance and was virtually unknown in the marketplace to brokers and tenants alike, even though it was situated on a 33-acre site, one-quarter mile from a full interchange on I-95.
While there were many challenges, the property also offered a number of benefits: it has excellent proximity to the major Washington, DC-to-Boston connector – Interstate-95; an unparalleled infrastructure; and the building's construction had exceptional physical characteristics.
Our team determined that this unique property would have appeal for a myriad of alternative uses. Working with ownership, Cushman & Wakefield's internal Marketing Services group, and an outside creative agency, a multi-disciplined marketing program was developed to introduce the property and its benefits to a wide range of tenants and brokers. The campaign included an interactive website, radio commercials, and a full-scale canvassing program to existing and alternative user/tenants.
As the original sales agent for Clairol, our team identified Chelsea Piers Management, Inc. (the developer behind New York City's world-famous, $100-million Chelsea Piers Sports and Entertainment Complex) as a potential tenant. Chelsea Piers was interested in opening a second location in affluent Fairfield County. The Campus, with its convenient location, abundant parking, and strong infrastructure would be ideal.
Our team negotiated a 50-year lease with Chelsea Piers for more than 420,000 square feet, and Chelsea Piers Connecticut is scheduled to open in July 2012. Simultaneously, we convinced Versus Channel (NBC Sports) to take advantage of the State of Connecticut's "First Five" program, which offers numerous tax incentives to companies that create significant employment opportunities in the state. Versus's need for high-quality studio space drove the decision and The Campus will soon house the new world headquarters for NBC Sports and NBC Olympics in 300,000 square feet.