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Credit Guide
Finsure Finance & Insurance Pty Ltd is licensed to assist you with finance under the National Consumer Credit Protection Act 2009 ("The Act"). This Act regulates the activities of lending, leasing and finance broking.
Key Information
|101 Greville St, Prahran
|1800 670 368
|Contact details
|Australian credit license number
|Credit and investments Ombudsman
|Internal Complaints Officer contact details
|1800 138 422, www.cio.org.au
|External Dispute Resolution Scheme details
|1800 138 422, www.cio.org.au
Credit Representatives
The Money Lab is an Authorised representative of Finsure Finance and Insurance. You are provided with the individual credit representatives details with which you are dealing on or before your first meeting with us, if you believe you did not receive this for any reason or would like another copy then please contact our office at any time to request this and we will provide it to you right away.
|101 Greville St, Prahran
|1800 670 368
|External Dispute Resolution Scheme details
|1800 138 422, www.cio.org.au
The Credit Representative (or the business for which the Credit Representative acts) will receive the commissions referred to in this document.
Services provider
We will assist you in making the choice of a loan or lease that is suitable for your purposes.
We will provide you with information on a broad range of finance providers and loan products. Once you have chosen a loan or lease that is suitable for you, we will assist in obtaining approval for the finance. We source finance products from a panel of finance providers. Our Current Top 6 providers to which our Representatives introduced borrowers are:
ANZ Bank
Commonwealth Bank Australia
Macquarie Bank
National Australia Bank
St George Bank
Westpac Banking Corporation
Information will be required from you
Under the Act, we are obliged to make sure that any loan, or principal increase to a loan, or lease that we assist you to obtain is not unsuitable for you. We will need to ask you a series of questions to make this assessment. The law requires us to:
make reasonable enquiries about your borrowing objectives and requirements;
make reasonable enquiries about your financial situation; and
take reasonable steps to verify the details of your financial situation.
Credit will be unsuitable if, at the time of making the assessment, it is likely that, at the time the recommended loan or lease is made:
you cannot afford to repay the loan or lease or can afford to repay it only with substantial hardship; or
the loan or lease does not meet your borrowing objectives and/or requirements.
For these reasons, we must ask you to provide us with a significant amount of information, much of which
we will need to verify. It is therefore very important that the information you provide to us is accurate and
If we provide you with credit assistance, we are required to provide you, upon your request, a copy of our preliminary credit assessment for up to seven years after the date of the assistance.
Information provided by us
We do not provide financial or legal advice. It is important to understand your legal obligations under a proposed loan or lease and the financial consequences imposed by the debt. If you have any doubts, you should obtain independent financial and legal advice before you enter into any finance contract. We do not make any representations about the current value of any real estate you finance through us, or the future prospects of its value. You should always rely upon your own enquiries.
Fees payable by you
We may charge you for our services if you apply for a home loan, an investment property loan, a personal loan or a lease. If a fee is to be charged, this will be disclosed to you in a Credit Quote which will be provided to you before applying for finance.
You may need to pay fees to the finance provider as part of the application process. These will be detailed in a Credit Proposal Disclosure Document that we will provide to you before applying for finance.
Commissions received by us
We may receive commissions from the finance provider that provides your loan or lease. These are not fees payable by you. Further details of the commission earned by us will be provided in the Credit Proposal Disclosure Document that we will provide to you before applying for finance. We may receive additional commissions or bonuses from finance providers relating to the volume of finance that we arrange. Such payments are dependent upon a number of factors and cannot be quantified at this point.
Commissions and fees payable by us
We hope that you are delighted with our services. However, if you have any complaints, you can raise these directly with the representative with whom you are dealing. If you are not satisfied with the response that you receive, you may contact our Compliance Manager, by telephoning 1300 769 415, or writing to Level 24, 52 Martin Place, Sydney NSW 2000.
When we receive a complaint, we attempt to resolve it as quickly as possible, subject to a full investigation of all the circumstances involved.
Our external dispute resolution scheme
If you are not satisfied with the outcome of your complaint, you may refer the matter to the Credit & Investments Ombudsman, an ASIC-approved External Dispute Resolution Scheme. External dispute resolution is a service provided at no cost to you, giving you access to an independent mechanism for the resolution of specific complaints or disputes.
Privacy disclosure statement
We are collecting personal and financial information about you to provide you with our broking services.
The information you provide will be held by us and our Credit Representative
We may use credit information and any other information you provide to arrange or provide finance and
other services.
We may exchange the information with the following types of entities:
Persons who provide finance or other products to you, or to whom an application has been made for
those products
Financial consultants, accountants, lawyers and advisers
Any industry body, tribunal, court or otherwise in connection with any complaint regarding our
Any person where we are required by law to do so
Any of our associates, related entities or contractors
Your referees, such as your employer, to verify information you have provided
Any person considering acquiring an interest in our business or assets
Any organisation providing online verification of your identity
We will not disclose your information to overseas entities.
You may gain access to the personal information that we hold about you by contacting us.
You can also contact us for a copy of our privacy policy. Our privacy policy contains information about
how you may access or seek correction of the information we hold about you, how we manage that
information and our complaints process. Our privacy policy is available from www.loankit.com.au
If you do not provide the information we may be unable to assist in arranging finance or providing other services.
If you have any questions about this Credit Guide or about any other aspect of our services, please do not hesitate to ask us at any time. We are here to assist you.
Financial Services Guide
Expert Wealth Management Pty Ltd Trading as Money Lab is a privately owned specialised financial advisory firm providing strategic, tailored solutions for the unique objectives, timeliness and financial circumstances of our clients.
As a client of EXPERT WEALTH MANAGEMENT Trading as The Money Lab Wealth we will work with you to develop, implement and maintain a comprehensive financial strategy to meet your personal and business objectives. This will assist you and your family in preserving and growing your wealth, protecting against risks and reaching your chosen goals and objectives.
About this document
This guide contains important information about:
The licensee of your Adviser,
The services your Adviser offers you
How we and our associates are paid
Any potential conflict of interest we may have
How we handle your personal information
Our internal and external dispute resolution procedures and how you can access them
The Australian Securities and Investments Commission (ASIC) is the government regulator for the finance industry. By law, entities who hold an Australian Financial Securities Licence are required to produce a Guide to those services (Financial Services Guide) when providing advice. The Advice Exchange Pty Ltd (ABN 55 107 629 194) (The Advice Exchange) takes its legal and compliance obligations seriously by ensuring that clients understand their role and rights when receiving financial advice and has prepared this Financial Services Guide (FSG) and authorised its distribution.
Click here to download our Financial Services Guide (FSG).
Click here to download our Privacy Policy.
Please take a moment to read this FSG which explains who we are and our relationship with you before we provide you with financial advice. If you have any questions after reading this brochure, please contact your Adviser (who is an Authorised Representative of The Advice Exchange) or the Principal Office of The Advice Exchange email@example.com.
The term Authorised Representative means a person whom The Advice Exchange has authorized to provide financial services (that is, provide advice and deal in financial products) on our behalf under our Australian Financial Services Licence. Throughout this document our Authorised Representatives are described as "Your Adviser" or "Advisers".
The Advice Exchange
Our Advisers offer you a comprehensive range of financial advice, from wealth creation to self managed superannuation to retirement planning. The Advice Exchange will tailor financial advice to achieve your specific, agreed financial goals. Starting with an analysis of your current financial position, we will utilise specialised financial research to develop and implement financial strategies, designed specifically to achieve your goals.
Your Adviser – James Davis:
James Davis (1008864) and Expert Wealth Management Pty Ltd trading as Money Lab (CAR 1233055) are authorised representatives of Boston Reed Pty Ltd ABN 89 091 004 885 Australian Financial Services Licensee Licence Number 225738. Boston Reed Pty Ltd is not responsible for credit advice which is provided under the credit licence of [insert ACL name & ACL no.]
Authorised Representative: 1008864
Position: Financial Planner of Expert Wealth Management Pty Ltd T/AS Money Lab.
The Advice Exchange's Licence
The Advice Exchange holds the Australian Financial Services Licence No. 278937.
The Advice Exchange is a wholly owned subsidiary of Advice Exchange Solutions Pty Ltd, which is owned by advisers, directors and staff.
We are licensed to provide financial product advice and deal in the following financial products:
Deposit and payment products
Life Products
Managed Investment Schemes, including investor directed portfolio services and MDA services
Retirement Savings Accounts
Standard Margin Lending
The Advice Exchange is therefore responsible for financial we provide on behalf of The Advice Exchange. Our primary responsibility, and that of your Adviser, is to you.
All Authorised Representatives of The Advice Exchange are selected for their financial expertise, supported by ongoing professional development and technical and strategic training, to ensure we deliver a service that is appropriate to your needs.
Financial Planning Services
Your Adviser is authorised to provide the full range of services available under our licence. However, the type of services you receive will depend on your individual objectives, financial situation and needs. You can select from the wide range of financial services offered by The Advice Exchange:
Financial planning services:
Tax effective investments
Superannuation and rollover advice
Personal risk insurance
Business risk insurance
Business succession & transition planning
Centrelink financial planning advice
Retirement planning advice
Managed portfolio services
Portfolio review and ongoing service
We only recommend products to you after considering their suitability for your individual objectives, financial situation and needs.
Our managed portfolio services refer to tailor-made investment strategies combining several different products. You may also arrange a series of regular advisory consultations to review and discuss your ongoing financial situation.
The Advice Exchange offers both personal and general advisory services. Before providing personal advice, your Adviser will want to ensure that the advice is appropriate to your needs. To do so, your Adviser will need accurate information from you about your current financial position and your financial goals and objectives.
You have the right not to disclose this information, however if you decline to do so the advice provided may be based in incomplete or inaccurate information in this case, or if general advice only is provided, you should carefully consider the appropriateness of the advice having regard to your personal circumstances before acting on this advice.
This advice may not be suitable to you because it contains general advice which does not take into consideration any of your personal circumstances. All strategies and information provided on this website are general advice only. Please arrange an appointment to seek personal financial and taxation advice prior to acting on this information.
The Advice Process
The Advice Exchange seeks to deliver professional advice in a very special way. We help you to pinpoint the things you want to do now and in the future. Quite simply, we put people first.
The advice process begins with an initial consultation. This involves getting an accurate picture of where you are now, identifying your goals and looking at broad strategies to help you reach those goals. Your adviser is required by law to record and verify details about your objectives, financial situation and needs. You are entitled to tell us a much or as little as you choose, however should you choose not to provide full disclosure we will be required to take the following actions:
Where the service relates to financial products, we will warn you about possible consequences of the
advice limitations so that you can make up your own mind if you will proceed.
After our initial consultation, you then will need to decide whether you wish to engage our services
which may include advice, implementation or other services designed to meet your individual needs.
Any advice we provide will be presented in a Statement of Advice (SOA) in the first instance. Once you
have a chance to review our recommendations, we may mutually decide to undertake some fine tuning
to make sure you are absolutely comfortable with our advice.
It is important for you to understand and accept the various risks inherent within the investments
and strategies recommended before you proceed with implementation. You should be prepared
to seek clarification from your adviser until such time that you understand any implications of the
An important part of our service is managing the implementation process to ensure that your personal
strategies are set-up and working.
The final stage of the process is to ensure your strategies continue to meet your changing needs and
circumstances, taking into consideration financial markets, product developments and any legislative
changes by undertaking regular portfolio and strategic reviews.
Statement of Advice (SOA) Document
Because each client has individual needs which affect the structure and detail of their financial situation, the disclosure of all benefits, commission or fees specific to your arrangements will be provided to you in the Statement of Advice (SOA) document. This document will confirm the financial advice being given and the basis on which that advice / assistance has been developed. It will also include a disclosure of all benefits and potential conflicts of interest that you need to be aware of in order to make an informed decision.
The financial benefits listed later in the FSG cover the types of rewards and remunerations that The Advice Exchange, its advisers and associates may receive as a result of the financial planning service provided to you. Specific benefits and amounts can only be calculated once recommendations are made.
The SOA will include all the information presented to you in regards to the advice being provided to enable you to make the choice to implement the advice or not. A fee may be charged for the preparation of the SOA, however, this will be agreed with you beforehand. It is important that you read and understand your SOA document. If you have ny questions, please let us know before you proceed.
Record of Advice
If we provide further financial advice to you, and that further advice is related to the advice we provided to you in a Statement of Advice and your personal circumstances have not changed, a Record of Advice (ROA) will be used. The ROA will be added to your file and you may request a copy at any time up to 7 years from the date we gave that further advice to you. You can request the ROA by contacting your Adviser or The Advice Exchange in writing or by telephone or by email.
Other Important Information
The advice and information in an SOA or ROA is only current for a period of 60 days. After this time, the recommendations should not be implemented as legislation, economic conditions or your personal circumstances may have changed. Please consult your Adviser if you wish to implement any of these recommendations after 60 days from the date of the SOA or ROA.
Whilst every effort has been made to include relevant tax, Centrelink and legal considerations, you are advised to discuss your annual tax liability and tax implications with your tax adviser, any Centrelink implications (if applicable) with Centrelink and any legal issues with your solicitor. Estimates and issues raised therein are intended as a guide only.
All representations made, facts presented and opinions are made by or on behalf of The Advice Exchange in good faith but The Advice Exchange and its associated companies shall not be liable for damages or in any other way for errors of fact and opinions except in any case where liability cannot be excluded pursuant to any
Your SOA or ROA is prepared solely for use of the person/persons, to whom it has been addressed and we (your Adviser, The Advice Exchange and / or its associated companies) do not accept any liability whatsoever to third parties. It is based on our understanding of your personal objectives, financial situation and needs.
Product Disclosure Statement
If we recommend a financial product, you will be provided with a Product Disclosure Statement (PDS). The purpose of the PDS is to assist you in making an informed decision whether or not the product is appropriate for you. It contains information about the financial product such as its significant features, benefits, fees and risks. It is therefore imperative that you read and understand any PDS provided by your Adviser before you make any decisions relating to a financial product recommendation.
Ongoing Service
To help ensure that you have peace of mind we suggest that you take advantage of our ongoing service offering. This service is customised to suit your particular needs and will often include an annual review of your portfolio as well as regular reports on investment performance. The review service is designed to ensure that your investment continues to meet your goals within any legislative changes, market changes and/or changes to your personal circumstances or requirement. Fees are charged for our review service and will be detailed in the SOA and Service Agreement. We are happy to discuss the scope of the services you require and the associated fees. The amount of any fees charged will be agreed prior to the provision of any services as per the
range shown below.
Payment for Services
Fees are generally payable after the service has been provided, however upfront payment may apply in certain circumstances. Ongoing service fees, which are payable in advance, will be agreed between us.
For investment, we do not charge commission on initial advice/assistance or product placement. Where we recommend a product that does not allow us to waive this payment, we will reduce any fee payable by you to us by the same amount.
For insurance (personal life risk) products, we will receive up-front commission ranging between 30%-125% based on the annual premium, from product providers or other parties with which The Advice Exchange has a relationship. This commission is not charged separately to you. It is paid to us by product providers and is a one-off up-front payment.
We will also receive an ongoing commission (often called a trail commission) for insurance ranging between 10%-50% paid by the product provider out of the revenue the product provider earns. This commission is not charged separately to you. It is paid to us by product providers and is payable for the length of time you remain invested in the product or the length of time the product remains in force. The structure of these fees will be disclosed by us in relation to your individual circumstances.
All fees and commissions are fully disclosed in our initial advice and service agreements. Any changes to these fees and commissions are disclosed to you at the time of any further advice/assistance, review of Service Agreements and in additional product material.
Fee Structure
We charge a pre-agreed hourly fee for our initial Advice and we will prepare written recommendations in the form of a Statement of Advice. This agreed fee will be determined by the complexities of the individual client's affairs. This fee will also cover the implementation of our recommendations should the client proceed with our
Ongoing Investment Management and Strategic Advice Fee.
We charge a transparent, pre-agreed asset based fee for ongoing investment management deducted from the portfolio on a monthly basis. We do not charge brokerage or transaction fees nor do we accept commissions. Our ongoing Investment Management and Strategic Advice Fee are expressed as a percentage of Funds Under
Management (FUM).
Our ongoing service includes:
Ongoing strategic advice
Frequent review and management of your investment portfolio
Unlimited access to your Adviser
Online access to your portfolios
Client seminars and briefings including new investment opportunities
The actual ongoing fee charged will depend on the complexities of affairs and the amount of funds under management and will range between 0.01% and 1.00% or a fixed annual fee between $500 and $100,000.
Education support
From time to time we may receive payment or sponsorship to subsidise the cost of conferences, training or professional development for our representatives. Product issuers receive a range of benefits including being recognised as a sponsor, attendance at conferences and the right to give speaking/training presentations to
Portfolio instructions
You may specify how you would like to give us instructions, for example, by email, telephone, fax or other means. This instruction and any changes to these instructions should be provided in writing to us. If we provide you with a transaction-related related telephone advice, you may request a record of the transaction-related advice at that time or up to 90 days after this advice.
Benefits, remuneration and commission arrangements
Expert Wealth Management Pty Ltd, The Advice Exchange, your Adviser, and any referrers or associates may receive a benefit, commission or fee as a result of the provision of financial services to you. The type of benefit and the amount received will vary depending on the type of Financial Service you require. Gross commission and fees are paid to The Advice Exchange by Fund Managers. Generally, 100% of these funds are then paid to The Advice Exchange (Melbourne) Pty Ltd, who pay a fixed fee to remain part of The Advice Exchange.
Remuneration of Expert Wealth Management Pty Ltd T/AS The Money Lab Wealth is based on the fees and commissions they are able to generate through their activities as representatives. If your Adviser is a shareholder in the entity that employs them, they may receive dividends dependent on the total revenue derived by the employer. If your Adviser is an employee he/she may be paid a salary, and/or a combination of salary and bonus, or other incentive calculated by reference to the total remuneration generated for their employer. Full details of remuneration and other payments are disclosed to you at the time of any advice.
All representatives are required to keep a Register of Alternative Remuneration which shows any payment other than cash which may be received by them from fund managers / product providers. This register is available for inspection with 7 days notice.
You should be aware that where you have been referred to The Advice Exchange, or where you are referred by us to another service provider, the referring party may receive a referral fee, commission or non-monetary benefit as a consequence of the products or services you purchase. Complete details of any such fee will be disclosed at the time of your advice e.g. in your SOA. We will also disclose details of any sharing of payments that may apply between The Advice Exchange and us.
The Advice Exchange has a number of arrangements in place whereby The Advice Exchange receives a marketing allowance from financial product manufacturers or service providers when we use their products or services. This may involve an annual payment to The Advice Exchange and/or a payment calculated by reference to funds under management. In the interests of transparency, we disclose that The Advice Exchange currently receives marketing allowance payments from the following companies:
DKN Financial Group will pay The Advice Exchange a sum equal to 0.06% pa based on the balance of total funds held in the DKN investment platform. For example, if you invested $10,000 for 12 months, The Advice Exchange would receive $6.
OnePath/ING will pay to The Advice Exchange a sum equal to 0.20% pa based on the total balance of funds held in OneAnswer platform. A further amount of up to a maximum of 0.10% pa will be paid by OnePath to The Advice Exchange if you invest in the OneAnswer Select or OneAnswer Frontier investment platforms. Cash,
term deposits, mortgage funds, direct shares and capital guaranteed asset classes are excluded from this arrangement. For example, if you invested $10,000 for 12 months, The Advice Exchange would receive up to $30.
Colonial First State will pay The Advice Exchange a sum equal to 0.20% pa based on the balance of funds held in Colonial First Choice, and 0.25% pa based on the balance of funds invested in Colonial FirstWrap. For example, if you invested $10,000 for 12 months, The Advice Exchange would receive up to $25.
This payment does not impact on the cost of delivery of product or service to you and is used wholly to defray the costs of professional development training. Also, the inclusion of a product or service on our recommended list is not dependent on support in the form of a marketing allowance or other payments or benefits. Details of
any such payments will also be disclosed to you when our advice includes these products.
Other Arrangements
The Advice Exchange is not owned by any financial institution or product provider. However, The Advice Exchange, and related entities comprising shareholders of The Advice Exchange, have entered into a Deed with Macquarie Bank Limited (Macquarie) whereby Macquarie has an option of first and last refusal in the event of a change in control of The Advice Exchange or its related entities.
Entities related to The Advice Exchange hold shares in several of its corporate authorised representatives.
This means that The Advice Exchange may, by way of dividends, indirectly benefit from the advice fees and/or commissions derived by your Adviser.
Your Adviser, or entities related to your Adviser, also hold shares in The Advice Exchange Solutions Pty Ltd, the parent company of the Advice Exchange, and may therefore benefit from the revenue derived by The Advice Exchange from by way of dividends.
Your Adviser, or entities related to your Adviser, also hold an interest in The Adviser Productivity Trust, a discretionary trust into which a portion of the revenue derived by The Advice Exchange is transferred, and then distributed to advisers of The Advice Exchange at the sole discretion of the trustee.
The Advice Exchange Privacy Statement
The Advice Exchange is committed to ensuring the confidentiality and security of your personal information. Our Privacy Policy detailing how we manage personal information is available on request. If you wish to obtain a copy, please ask your Adviser or call The Advice Exchange on 03 9823 1344.
Professional Indemnity Insurance
We have appropriate Professional Indemnity Insurance in place. This Insurance will cover claims relating to advice provided by your Adviser whilst an authorized representative of The Advice Exchange cover claims in relation to the conduct of authorised representatives who are no longer authorised by The Advice Exchange (but who were at the time of the relevant conduct).
Complaints procedure
In the event that you have a complaint about the service provided by The Advice Exchange or your Adviser you should:
Write a letter of complaint to the Complaints Manager, The Advice Exchange firstname.lastname@example.com.
Outline in your written complaint the specific areas of service, which have not met with your satisfaction.
Detail in your letter, as simply as possible, all the facts relating to your complaint and how you believe
The Advice Exchange can investigate and resolve this matter to your satisfaction.
The Advice Exchange will investigate your complaint and will make every effort to ensure you receive a
fair and prompt reply. The Advice Exchange will endeavour to resolve your complaint within 30 business
days. We will keep you informed of what is happening to your complaint if this investigation cannot be
resolved within this time.
If we are unable to resolve your complaint within 30 business days, we may ask you for an extension of time in order to do so. However if you have not received a satisfactory outcome from us within 30 business days, you have the right to take your complaint to the Financial Ombudsman Service (FOS), our external dispute
resolution scheme. FOS provides free advice and assistance to customers not satisfied with the responses provided by member companies to their complaints. FOS may undertake an independent external investigation of the complaint or enquiry. Member companies like The Advice Exchange are bound by any decisions made by FOS. FOS can be contacted as follows:
|GPO Box 3, Melbourne Vic 3001
|Call 1300 78 08 08
|Call 03 9613 6399
|You can write to the Financial Ombudsman Service, GPO Box 3, Melbourne VIC 3001 or
telephone toll free 1300 780 808.
You may choose to phone the ASIC toll free Infoline on 1300 300 630. Infoline consultants will talk to you about your rights as well as how to make a complaint which is suspected to be a breach of the law.
Additional Services
It should be noted that we might also undertake work in other capacities than those as a representative of The Advice Exchange Pty Ltd. This may be as a result of having direct associations with other entities. This work is not associated with The Advice Exchange Pty Ltd, and nor is The Advice Exchange responsible for this work.
Contact Us
To discuss your financial goals, please call your Adviser's office for an appointment on 1300 134 085. Financial Services Guide version: 24112015


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Brushed aluminium conglomerate of Amalfi Coast image I took in my time as a resident in Italy. This installation was specially designed and crafted for metal trading and finance company, Royce Corporation. The ocean inspired conglomerate was made by cutting aluminum brushed veneer in very precise measurements.
The piece is installed in their Aventura office within a 22'x6' space.

subset: commoncrawl


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A PENSIONER ccollapsed and died while queuing for medicine at a clinic in Namakgale, Phalaborwa, this week. The incident has again brought the chaotic operations of the clinic under the spotlight.
An eye-witness who did not want to mentioned said: "I was on my way to the clinic when I saw those black curtains hanging in the clinic. I then realised that these were the curtains used at the hospital when a person has just passed away and I then saw a corpse.
"I then overheard two elderly women saying an old man who used to entertain people with jokes has just collapsed and passed away while on que to collect his sugar diabetes medicine,"
Some residents spoken to said pensioners start to que as early as 2am for a clinic to open at 7am. However, sometimes they start being attended to at 1pm before the clinic closes at 4pm.
Another resident said Health MEC Dr Phophi Ramathuba was informed about the problems at the clinic during the Premier Imbizo held at Makhushane village on December 11 last year.
But Ramathuba told the residents at the same Imbizo that nurses have complained that residents do not protect them against criminals, hence they were scared to do night shifts.


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The race for Virginia governor has burned through more than $50 million, well over 50,000 television ads and a seemingly infinite number of negative attacks lobbed between the campaigns of businessman Terry McAuliffe (D) and Attorney General Ken Cuccinelli II (R).
But there were a handful of key turning points that helped bring the race to where it stands on Election Day — with McAuliffe the acknowledged front-runner, ahead in every major poll for the past four months:
June 2012: Convention replaces GOP primary
Cuccinelli's first significant win in the race for governor may also — depending on Tuesday's outcome — have paved the way for him to lose.
Seventeen months before Election Day, Cuccinelli backers on the state Republican Party's central committee overturned an earlier decision to hold a primary to pick the party nominee for governor. Instead, as many conservative activists in the state preferred, the GOP would hold a convention.
The move was a rebuke of Lt. Gov. Bill Bolling (R), who stood little chance of prevailing at a convention and eventually dropped out of the contest. Bolling never got over the slight and told anyone who asked how extreme he thought the GOP ticket was. His top strategist, longtime Republican consultant Boyd Marcus, eventually endorsed McAuliffe.
And instead of being pushed to win over a broader Republican electorate in the primary, Cuccinelli never really had to work for the nomination or get out of his conservative comfort zone.
February 2013: Transportation bill passes
It wasn't pretty or perfect, but the General Assembly passed and Gov. Robert McDonnell signed a sweeping package of reforms of how Virginia picks and pays for transportation projects.
There was much debate, after the fact, over whether McAuliffe — who met with and made calls to legislators during the debate — actually had anything to do with the bill's passage, or was merely trying to take credit for the work of others. But on a practical level, it didn't matter. What mattered was that McAuliffe was clearly for it, and Cuccinelli was clearly against it.
That divide was relevant to voters in the state's two most traffic-clogged and voter-rich regions — Northern Virginia and Hampton Roads — and was noticed especially in the business community. Many of the establishment donors to past GOP campaigns who backed McAuliffe in this race, or stayed out altogether, did so because of Cuccinelli's opposition to the transportation bill and to the Silver Line Metrorail extension to Dulles International Airport.
And when McAuliffe, who had spent much of his career as a partisan bomb-thrower and none of it in office, was asked later what record he had of working with Republicans to get things done, he inevitably pointed to the transportation bill as his prime example of bipartisanship.
March 2013: The Star Scientific story breaks
There have been many chapters written in the saga of the dietary supplement firm Star Scientific, with more still to come. But the political story began in March, when The Washington Post reported that company chief executive Jonnie R. Williams Sr. had paid the catering bill at the wedding of McDonnell's daughter.
At the same time, the Post reported that Cuccinelli had failed to disclose for a year his stock holdings in Star. Later Cuccinelli would reveal he had also failed to disclose some gifts from Williams. In all, Cuccinelli took $18,000 worth of gifts from Williams and Star, an amount he eventually — after initially resisting — donated to a Richmond charity.
The Star story had two major impacts on the race: It effectively robbed McDonnell, then the most popular Republican in the state, of the ability to help Cuccinelli with voters and donors. (It turns out that the McDonnell family took more than $150,000 in gifts and loans from Williams, and a federal investigation is ongoing.)
And it raised enough questions about Cuccinelli's own ethics and lack of disclosure that it muddied Republicans' attacks on McAuliffe on the same fronts, even after it was later revealed that GreenTech, the electric car company co-founded by McAuliffe, was under federal investigation too.
May 2013: Cuccinelli stays neutral in the lieutenant governor race
At the state Republican convention in Richmond, Chesapeake minister E.W. Jackson pulled out a surprising victory, beating out six better-funded and mostly better-known candidates for the lieutenant governor nomination.
The result: Cuccinelli ran on a ticket with a No. 2 who had a long history of making controversial statements about abortion, gay rights and other hot-button social issues that Cuccinelli said would not be the focus of his gubernatorial campaign.
Could Cuccinelli have stopped Jackson from winning?
The final ballot for lieutenant governor at the convention came down to Jackson and Pete Snyder, the technology entrepreneur whom Cuccinelli privately hoped would win, according to several Republican sources. Having Snyder on the ticket could have given Cuccinelli a fundraising boost as well as a link to the Northern Virginia business community that was hesitant to back the attorney general.
But even though Cuccinelli did endorse in the race for attorney general — backing state Sen. Mark Obenshain (Harrisonburg) over Del. Robert Bell (Albemarle) — he stayed neutral in the lieutenant governor race. Might Cuccinelli have been able to sway the final ballot in Snyder's favor, or would he have just alienated the conservative activists who loved Jackson?
Cuccinelli decided not to find out.
June 2013: Judge criticizes attorney general's office in gas royalties case
For years, landowners in southwest Virginia have been battling energy companies over the rights to, and royalties from, methane gas extracted from under their properties.
The issue is complex and messy, and it unexpectedly ensnared Cuccinelli in June when a federal judge criticized an assistant attorney general for being "actively involved" in helping two energy companies — one of which has given more than $100,000 to Cuccinelli's campaign — with their legal defense.
Before long, McAuliffe was airing ads featuring landowners who accused Cuccinelli of betraying them. And Tom Steyer, a San Francisco hedge fund billionaire and environmental activist, poured money into ads of his own calling Cuccinelli unethical because of the royalties case — another blow to the GOP's efforts to capitalize on McAuliffe's ethical foibles.
An investigation by the state inspector general found no evidence that Cuccinelli approved of or knew about the assistant's actions. But the bad publicity around the issue appears to have peeled away votes from Cuccinelli in the state's southwest, a region where Republicans traditionally need to run up the score to offset losses elsewhere in the state.
July 2013: The first debate
After months of trading barbs from afar, McAuliffe and Cuccinelli finally clashed face-to-face in their first debate at the Homestead Resort in Hot Springs.
And nothing happened.
Well, not nothing. McAuliffe accused Cuccinelli of being an extremist on social issues and Cuccinelli called McAuliffe a selfish Washington insider — the same charges they had made before and would continue to make through Election Day.
But there were no dramatic moments or memorable gaffes, nothing that would burn up YouTube the morning after. More importantly, McAuliffe — whose 2009 debate performances were thought to be lackluster — was relatively disciplined and calm, as he would be in the next two debates.
Cuccinelli, acknowledged by both sides to be the more experienced and skilled debater, was unable to use any of the three debates to turn momentum in his favor. What had been seen as a key GOP advantage was effectively neutralized.
September 2013: The TechPAC endorsement
A central plank of McAuliffe's campaign has been that he is the better candidate for business, especially in diverse, socially moderate Northern Virginia.
So McAuliffe and his allies were not happy, to say the least, when the Northern Virginia Technology Council's TechPAC endorsed Cuccinelli. The Post reported that some PAC board members were unimpressed by McAuliffe's pitch, finding him shallow and uninformed about policy issues.
For once, the Cuccinelli team felt it had the wind at its back. Here was an endorsement that could reverberate with swing voters and, more importantly, the donor community. The Cuccinelli campaign quickly made the endorsement and the charge that McAuliffe was "deeply unserious" a centerpiece of its advertising.
The endorsement and the subsequent ads never seemed to move the polls much. But they did raise a question: What if Cuccinelli had focused his message from the start on the idea that McAuliffe was an unprepared lightweight, rather than focusing on GreenTech and ethics? Would that have been more effective?
October 2013: The shutdown
There was always an inherent tension in Cuccinelli's campaign message — he was a resolute advocate for a smaller, more frugal government running in a state that is hugely dependent on government spending.
The 16-day shutdown of the federal government threw the spotlight on that tension. And it put Cuccinelli, who has long bragged that he was the first state attorney general to sue over the Affordable Care Act, in a tough spot. Would he endorse the strategy of refusing to fund the government unless the health law was defunded? Or would he criticize that strategy, potentially angering some of his base voters?
Cuccinelli never quite picked a side, criticizing the shutdown in general terms without explicitly saying whether Capitol Hill Republicans had chosen the wrong path. He spoke at the same Richmond fundraising dinner as a key architect of the shutdown, Sen. Ted Cruz (R-Tex.), but took pains to not appear too close to Cruz.
In the end, Cuccinelli faced the same problem that national Republicans did: The shutdown helped divert the attention of the public and the media from the botched rollout of HealthCare.gov.
Cuccinelli spent the final days of the campaign trying to put the shutdown behind him and keep the focus on the health law. But it may have been too late.


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- AnonymousOctober 16, 2013 at 12:41 PM
This looks great! I absolutely love the color! I'm dying to paint my dining room table but I'm so torn because I love the dark wood, too.ReplyDelete
I found you via The Blissful Bee!
Happy Wednesday!
Your table turned out so beautiful!ReplyDelete
Love the way the table turned out, I did somewhat the same with some of my living room furniture, after I stripped them,I just left them unfinished, just a look that seems so in fashion and clean, love your table and how it turned out...come onover for a visit...I am a new follower of yoursReplyDeleteReplies
Thank you so much for stopping, and thank you for following along!Delete
I have the exact same table Stephanie and have been wanting to paint it white for months. This gave me the inspiration to "get er done" - very pretty! I found this over at the Give Me The Goods party.ReplyDelete
I am so happy to hear that this inspired you to paint your table. It makes it feel brand new and really does transform the entire space. Thanks for stopping by!Delete
Oh WOW this turned out beautiful!!!! Thanks for sharing on DIY Sunday Showcase! I'm gonna pin this one!ReplyDelete
Oh wow!! That's gorgeous! Makes me want to find some furniture to try it out on!!ReplyDeleteReplies
You totally should! It was so easy, and makes such a big difference.Delete
This new look really looks awesome on the table. You have done a fabulous job with the table.ReplyDelete
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Vehjora comes from the depths of the subconscious mind. Started
in 2012 in the depths of Volgograd, Russia. This is the first release
ever of this project which draw bleak post-apocalyptic pictures with his
dark ambient/drone sound in our gray heads. Sometimes, words are
(click on the cover to download the release)
[AB]-167 Vehjora /Russia/ - No-Man Serenade (2014) / Dark Ambient/Drone [86,2 mb] 43:04


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£28.20 £47.00
The Kartell Koral Basin Taps present a stylish modern lever handle design. Koral collection of bathroom taps are sleek yet subtle. Constructed of solid brass and finished in a high shine polished chrome.
We are here to help. If you have any queries please contact us at email@example.com


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It's been over three weeks since my last blog post and there were only a smattering of posts throughout the summer. So, you may have forgotten what I look like.
For my first summer as a blogger, I'd give myself a solid C- overall.
Consistency = D. The goal has always been once/week. This summer it was once/2-3 weeks.
Effort = C. Because if I'm honest (and I always am - unless I'm throwing you a surprise party in which case I'm a surprisingly good liar, especially considering I don't get much practice), if given a choice between spending an afternoon at the pool or writing at my desk….well, what desk?
But lest you feel singled out, my avoidance of work this summer was an equal opportunity offender. I chose summer fun over paying bills, doing laundry, entering dates into my calendar, cleaning my shower, or putting my suitcase from our June vacation away. Pretty much "adulting" was off the table.
As I mentioned in this post, I blame my kids. (Just kidding! Kind of.)
They were all home. All day. Every day. So, all of my energy was spent driving them around, refereeing sibling battles, and negotiating snack/quiet/screen/bed time. Not only did I struggle all summer to find pockets of uninterrupted time for writing, but my mental exhaustion resulted in zero clear thoughts in my brain for the entirety of the three months.
That's not to say I haven't been thinking about you, my friends and readers. You've faithfully encouraged me each step of the way and I'd often think, "I wonder how they're doing. I should write a post about this situation because it's so funny and they could use a laugh."
And then, I'd think, "I'll do it tomorrow."
And tomorrow I thought, "I'll get it done by the end of the week."
And the end of the week came and went and suddenly that blog's situation was no longer relevant or funny and life moved on.
But, know that you matter to me and this community matters to me and to many others. We're authentic around here and that's why I can say:
I dropped the blog ball this summer and I'm sorry. I've missed writing and I've missed you.
So, here's what I learned in the process.
1. Have some blog posts ready before school gets out and the kids stare at you with puppy dog eyes asking what you're going to do today. Because once they're home, it will get much tougher to write.
2. On the other hand, some days you just need to shut the office door and let them fend for themselves while you write. Two hours of boredom will not kill them. In fact, it might remind them that mom is more than a wish granter and adventure planner.
3. Summer is equal parts wonderful and brutal.
I love having my kids home and enjoying extended time with them. I cherish days with nothing on the schedule, no rushing through dinner or going separate ways.
But, after the busyness of the school year, we jumped right into a lot of togetherness. By July, I realized my foggy brain wasn't clearing. In fact, I was getting foggier, tireder, and more scatter-brained.
Michael called it: Relationally Fatigued.
Too much talking. Too many questions. Too many people. At the end of the day, I didn't want to think or talk or even make eye contact, let alone conversation.
So, I didn't. (Michael's such a lucky guy.) I tried to be as engaged as possible with the kids all day and then my brain, mouth, and heart shut down at 8:30 pm. Done. Finished.
Returning a text felt like a monumental task. I needed a serious girls' night out, but couldn't organize one more play date, even if it was for myself.
In my next post (guaranteed to post in less than three weeks!), I'll let you know how I got my writing/thinking/relational groove back. But, in the meantime, thank you for your grace and support as I'm working out the kinks of this new adventure.
As my wise therapist, sister-in-law is fond of reminding me, "I've never done this before."


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Like it or Not, LOL is also a Language/
The dictionary definition of "language" includes: The phraseology and vocabulary of a certain profession, domain, or group of people. Our team is often faced with clients that can construct entire sentences and have complete conversations using industry jargon – usually acronyms – all while avoiding a single noun or verb. They successfully communicate with others that speak the same language, but we counsel them to apply the theory of Occam's Razor – assume that the most straightforward approach is always the best.
As is true with many things in life – just because you can, does not mean you should. Watch your language. It's often helpful to consult communications professionals outside your industry to provide an objective evaluation of the effectiveness of your messaging. We're often called upon by our clients to perform a "gut check" on many communications vehicles – not just the videos or webcasts we're creating on their behalf. The savvy professionals know when to bring in a fresh perspective.
Very often when we're editing a piece we allow images to convey what words can limit. Keep that in mind as well as you sort through what you deem an appropriate level of your industry's "language." Regardless of the tactic you are using to communicate, use jargon sparingly and only if you are completely certain that your audience is fluent in your industry's vernacular.
Am I speaking your language? I want your feedback. Do you have any specific issues that you'd like me to address? Let me know. In the mean time, talk to you next Friday.


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San Diego Museum of Art Presents Gothic Tapestries Exhibition
The Pastrana Tapestries, among the finest surviving Gothic tapestries in the world, will be on view at The San Diego Museum of Art through September 9, 2012 in an exhibition titled The Invention of Glory: Afonso V and the Pastrana Tapestries.
The impressive exhibition is comprised of four recently restored, monumental tapestries, each measuring 12 by 36 feet. Woven in Tournai (in modern-day Belgium) at the end of the 15th century, the tapestries were commissioned for the Portuguese Royal Court and commemorate King Afonso V's conquest in 1471 of the Moroccan cities of Asilah and Tangier, located near the entrance to the Strait of Gibraltar. They are among the rarest and earliest examples of tapestries created to celebrate what were then contemporary events, instead of allegorical or religious subjects, but the designer minimized the misery of warfare and reinvented the event with the heroic image of Afonso and the ideals of chivalry in mind.
Due to the tapestries' outstanding quality and historical significance, the Spanish government listed the work of art as cultural patrimony to be safeguarded during the Spanish Civil War. The Pastrana Tapestries are property of The Collegiate Church of Our Lady of the Assumption in Pastrana, Spain, 50 miles east of Madrid.
"This extraordinary exhibition comes to The San Diego Museum of Art in part because these tapestries, created for the court in Portugal and long part of the heritage of Spain, have a natural connection with the Spanish art that is at the core of our old masters collection," says Roxana Velásquez, Director of The San Diego Museum of Art. "The quality, beauty, and historical relevance of these tapestries offers a unique opportunity to enjoy this high art form of the 15th century. By viewing these magnificent works up close, visitors can develop a deeper understanding of both the art form and the stories they tell."
The Invention of Glory: Afonso V and the Pastrana Tapestries will travel to The San Diego Museum of Art in time for its popular weekly Summer Salon Series, which will run concurrently with the tapestry exhibition, reflecting the theme "Beyond the Banner" a historical re-examination of the 15th century Pastrana Tapestries, investigating the fictions of our own information age.
The Invention of Glory: Afonso V and the Pastrana Tapestries is organized by the National Gallery of Art, Washington, and the Fundación Carlos de Amberes, Madrid, in association with the Embassy of Spain, the Spain-USA Foundation, and the Embassy of Portugal and with the cooperation of the Embassy of Belgium and the Embassy of Morocco in Washington, DC, as well as the Diocese of Sigüenza-Guadalajara and Church of Our Lady of the Assumption, Pastrana, Spain.
The conservation of the tapestries was undertaken at the initiative of the Spanish Fundación Carlos de Amberes, with support from the Belgian InBev-Baillet Latour Fund, and the following Spanish institutions: Fundación Caja Madrid, Region of Castilla-La Mancha, Provincial Council of Guadalajara, and Diocese of Sigüenza- Guadalajara and Church of Our Lady of the Assumption, Pastrana.
The conservation of the tapestries received the European Union Prize for Cultural Heritage/Europa Nostra Awards 2011.
The exhibition is supported by the Members of The San Diego Museum of Art and the County of San Diego Community Enhancement Program. Institutional support for the Museum is provided by the City of San Diego Commission for Arts and Culture.
The San Diego Museum of Art is located at 1450 El Prado in Balboa Park, San Diego, Calif., 92101. General Information, (619) 232-7931, Group Sales: (619) 696-1935, Website: http://www.TheSanDiegoMuseumofArt.org
Category: Exhibition News


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BMX QLD Inc. selects a state team each year to represent the State at the National Championships. The State Teams Event at the National's each year is a very hotly contested event and BMX QLD Inc. has been victorious on many occasions. The teams are selected in accordance with the State Team Policy (available via the link on the left of the page).
Each State nominates a Challenge Team (4 riders from the Champbikx age groups ,14 -16yrs, Male & Female) and a Championship Team (4 riders consisting of 1 each Junior Man, Junior Women, Elite Man & Elite Women). Team riders compete in the National Championship Motos and Finals and are accrued points for each finishing moto position and bonuses for finals. At the conclusion of the National Championships teams points are calculated and the top 3 teams awarded placings and the winners awarded trophies.


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Brochure in english
- In Isema
ISEMA – Institut Supérieur Européen de Management Agroalimentaire – an institute specialized in the training of future executives and managers of the food industry, logistics and large-scale distribution.
Isema – an institute recognized by the State, proposes training programmes leading to a Baccalaureate degree + 3, 4 and 5 years studies.
The strong professional orientation of Isema guarantees our graduates an excellent employment placement in jobs such as commercial and marketing managerial positions in the agricultural sector, food industry companies, logistics and large-scale distribution and related sectors (environment, trade, import/export, semi-processed food products, advice, and laboratories).
DEGREES and SKILLS recognised and much sought after by COMPANIES.
Our programmes are based on a close partnership with two member schools of the CONFERENCE DES GRANDES ECOLES : Euromed Marseille (a management school) and Isara (an engineering school in agriculture and the food industry).
Indeed, the aim of our training programmes is to give students both the technical and commercial skills which companies are continually looking for. It has become increasingly difficult for companies to recruit graduates with this profile.
Created to meet this requirement, Isema trains students to become professionals who have expertise in different fields, such as trade negotiations, international trade, marketing, management, as well as specific knowledge relating to food products : raw materials, manufacturing techniques, quality and food safety.
Every year, food industry and mass distribution professionals approve Isema's programmes.
A buoyant COMMERCIAL and AGRICULTURAL PROCESSING INDUSTRY environment.
Isema is located in the state-of-art regional science park, Agroparc, devoted to the food industry and biotechnologies.
This Campus groups together researchers (INRA, CTCPA), companies, technology centres and several educational institutes (ISEMA, IUT, 2 IUP) with over 1800 students.
Greater Avignon is the logistics crossroads of Southern Europe. Moreover, it has one of the biggest commercial areas in France and is host to numerous dynamic food industry companies including our partners – Campbell-Liebig, Nestlé, Ducros Mc Cormick, Gyma, Agis, Naturex, Orangina, Creno group.
Can there be a better environment for an educational pole devoted to the food industry and distribution related jobs ?


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The Devils Funeral by Edward Page Mitchell is a story about the most evil creature of all. There's a twist to this story that the reader might not expect. But then again when dealing with the Devil, all deals are never final. And you thought the Devil was a man.
Unholy Embrace is a swift paced, action-packed novel about the relationship between a mortal man and his immortal female vampire lover as they fight werewolves, vampires, and other creatures in their effort to kill a soul eating demon.
If this sounds interesting, and I hope it does, please follow the link and read the reviews on Amazon.


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Johannes Brahms - Tragic Overture, Op. 81
Daft Punk - "Give Life Back To Music" & "Touch" medley arranged for AOC by Joshua Icban
Johannes Brahms - Academic Festival Overture, Op. 80
Brahms sheet music is up. Daft Punk is being finalized and will be posted soon! As always, we'll provide sheet music for the session.
Musicians must sign up to participate! A week before the event, you'll get an email from your section's Awesöme Ambassador. If you have additional questions, you can contact them here.


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A cloud-based maintenance management solution for your industry.
Here are just a few of the industries we serve:
- Aero Space
- Airports
- Automotive
- Banking, Finance
- Biotech, Pharmaceutical
- Church, Religious Organization
- Commercial Property Management
- Consumer Services
- Defense, Military
- Energy and Utilities
- Engineering
- Entertainment and Sports Arenas
- Fast Food, Restaurants
- Healthcare, Medical, Hospital
- High-tech, Electronics, Computers, Software
- Home Health, Hospice
- Hotel, Resort and Casino
- Lifesciences, Nutraceuticals
- Logistic and Shipping
- Mining and Metals
- Non-Profit
- Oil and Gas
- Parks, Golf & Recreation
- Public Works
- Real Estate
- Residential Property Management
- Retail
- Schools and Universities, Educational Services
- Warehousing/Storage
- Waste Management, Recycling
- Zoos, Aquariums
ManagerPlus maintenance programs will help you keep all the moving parts involved in manufacturing—moving. Forklifts to fabri-cation to finished goods. Conveyors, chemicals, crates, and chains. ManagerPlus manufacturing management software helps you manage your business operations and improve efficiencies.
ManagerPlus helps effectively manage your fleet and equipment. With our fleet maintenance software you can effortlessly handle an unlimited number of preventive maintenance schedules for all of the vehicles in your fleet.
Monitor and track maintenance to vehicles and their subsystems
(engines, tires, hydraulics, etc). Easy to use, and quick to learn, our software system ensures that the system you pay for will actually get used.
Facilities / Hospitality
Facility and property managers use ManagerPlus to better perform preventative maintenance tasks and more efficiently dispatch work orders. It is ideal for those tracking a myriad of systems and equipment, such as: HVAC, lighting, security, fire detection and suppression systems, elevators, and more.
Our customers include manufacturing plants, hotels, hospitals, universities, municipalities, and more. ManagerPlus empowers maintenance supervisors and property managers with comprehensive data on all of their assets and processes.
ManagerPlus handles the most demanding situations and provides you with the information you need to efficiently maintain construction vehicles, heavy equipment, tools and supplies.
Construction is an asset-intensive industry. You need your tools and equipment available and ready to maintain your budgets and project timelines. ManagerPlus® effortlessly handles an unlimited number of preventive maintenance schedules for all of your vehicles, tools, and heavy equipment.
City, State, and Local Government
We understand that whether you are a public utility, local, state or federal government entity or a private contracting firm—you must do more with less.
ManagerPlus helps hundreds of city government and public works department and facilities managers meet that demand and maxi-mize assets. Waste management and water treatment. Bridges and buildings. Streets and storm sewers. Forestry, parks, cemeteries, and grounds. ManagerPlus helps you keep the equipment, tools, and supplies needed to conduct Public Works—working.
Farming / Agribusiness
Today's agriculture operations are high-tech enterprises that particularly benefits from a flexible solution like ManagerPlus. Your assets–property, equipment, vehicles, raw materials– don't easily fit into a one-size-fits-all solution. Add in multiple locations and you need a truly capable solution that can be adapted to your operation, rather than requiring you to change your operation to the needs of your software.
Food & Beverage, Packaging
Productivity and uptime are keys to profitability in highly competitive industries like food and beverage production. At the same time comprehensive documentation of asset maintenance records can be an important part of maintaining regulatory compliance.
ManagerPlus will help you manage your diverse asset categories of property, equipment, parts, vehicles and more spread over multiple locations giving you an edge in the marketplace.
Multiple crews, a diversity of assets, locations, and competition that requires you to run a tight ship to compete. The landscaping business is just the sort of environment where ManagerPlus shines. You'll appreciate the ability to assign parts and equipment to multiple locations, and for your team to update and complete work orders from the field.
Professional Services
Every business, including Professional Services providers, owns assets that need to be monitored, repaired, and maintained with regularity. In fact, your physical assets must be operational so you can focus on your Service.
Examples of service industry providers ManagerPlus is a great fit for include: Fleet Management Services, Truck Centers, Commercial Cleaning Companies, Law firms, Humane Society Services, Uniform and Linen Services, Trade organizations, Snow Removal, Snow Melting and de-icing, Installation companies, and Disaster Recover and Environmental Clean-up firms—
just to name a few.
Included in our package was a series of one hour online classes. We were able to schedule these at our convenience, which was important. Our instructor Nate was not only knowledgeable, he was thorough and patient. Our Building Engineer was hesitant about using such powerful software. Nate put him at ease and made sure each lesson was understood before moving to the next.
All of our managers use the APP to report maintenance issues and track the progress of repairs. The increase in productivity has been amazing, as has the turnaround time for completing work orders. We also use the software to inventory parts, tools as well as keep track of scheduled maintenance...This is certainly the most cost-effective technology tool we use.
The ManagerPlus Bi Tool enhances our day to day maintenance operations. I love using the customizable reports within the tool because they are much more efficient than what we were using before. Providing standardized reporting helps everyone in the company to become informed on what is going on.
I use the Bi Tool every week to prep for my weekly status meetings. After one click all my reports are ready to go and I am ready to provide answers. Using the Bi Tool has saved us tons of time! Now when the Boss wants a report I can give him the answers right away. Overall, using the tool is easy, in fact I don't think it could be made any easier.
Before my hire all the maintenance documentation was done through Excel sheets that were buried within a shared drive. I was tasked with finding a CMMS to be able to organize all that documentation under one platform. After reviewing and trialing 8 different CMMS I found that ManagerPlus was by far the most user friendly.
After reviewing 7 other CMMS it was my conclusion that between operators and management alike this database system was the most user friendly. It has an organized ribbon of modules and the table layout makes it easy to sort and filter by what I wanted to see. Not to mention with Business Intelligence the dashboard gives me a snapshot of what's most important to me while also giving me a more customized approach to generating reports.
This CMMS software gives us visibility to see what is going on and where we are at with inventory management and projects. I think one of the best parts of Manager plus is that it creates a better line of communication from purchasing to maintenance as far as what we have and what we need to have in stock.
We are very happy with our Manager Plus Enterprise software. We have been using Manager Plus since 1997. at that time we had three companies, with approximately 90 vehicles. Now we have 9 locations, and 400 + pieces of equipment. There is no possible way we could keep track of our Maintenance, inventory & repairs without the Manager plus Software! We can keep track of cost's and find out what works and what doesn't. with the fuel import module it is very easy to import the fueling data into our software so we can track Maintenance. My annual reports are a breeze. And Their Customer service is second to none.
From the moment I completed the ManagerPlus demo with our sales rep I knew I had to implement this software into our maintenance program. Shortly after we signed up for the cloud based package we began our training sessions. Almost immediately we saw a difference in the way we were doing things. The software afforded me the ability to create processes that we would have otherwise not had the ability to do.
We have 3 plant locations and our mechanics do not concentrate their work at one plant. The Manager Plus app was our solution for that. Our field mechanic has an iPad with the app on it, this allows him to create a work order request which immediately notifies our service writer. The work order is created and parts can be ordered as needed. This software changed the way we do business, I would highly recommend it to anyone looking to streamline their process or create a process if they do not currently have one.


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|Amazon USA Amazon UK Goodreads
Review by Suze
Jack isn't fond of his hometown. Burro Hills is suffocating him and he's afraid he'll never be able to get away. His father drinks and his mother spends most of her time in her bathrobe, smoking and dreaming about things that will never happen. Jack's friend Toby lives in a house where drugs are being fabricated and stored and Toby has enlisted the help of his friends dealing the products. Jack isn't particularly happy with this task. He's having difficulties being one of the guys and tries to keep up the pretence, but it makes him angry and confused. Fortunately he also has Jess, his best friend, who seems to understand him better. What can he do to break out of his destructive life?
Connor is new at Jack's school and is instantly popular. Jack admires Connor's ability to be himself and everyone seems to accept him for it. Jack tries to include Connor in his group of friends, but Toby is becoming a handful. He senses there's something more going on between Connor and Jack and doesn't approve. Jack has always managed to keep Jess away from the dangerous Toby, but by becoming closer to Connor, he loses his control on him completely. While the situation at home becomes worse and his friendships are unraveling Jack finds comfort in Connor's arms. Can Jack let the one person who brings him happiness in or is he too afraid to start a relationship with the boy he likes so much because he can't handle the consequences?
Burro Hills is an impressive captivating story. Jack has a difficult life. He comes from an unstable home and his parents are too busy with their own problems to spend any time looking after their son. Jack finds comfort in weed and booze, but numbing his out-of-control mind isn't the solution he seeks. My heart ached for the bright and kind boy who has so much to lose. I kept hoping Jack would find a way out of his daunting circumstances. He constantly makes terrible choices and needs love and support to put him back on track again. His story is profound, thought-provoking and sometimes shocking and I was gripped by it from beginning to end.
Julia Lynn Rubin makes the bleak town Burro Hills come to life in a fantastic way. I was intrigued by the setting, a town that doesn't offer many possibilities. Jack is afraid he'll have to stay there for ever, while he only wants to get out. I could feel his despair and loved the way Julia Lynn Rubin writes about his emotions. Her writing is raw and honest, she doesn't spare her main characters and she gives them plenty of flaws that aren't working in their favor. Jack's journey is a tough one, but once he starts it there's no way back. I loved the inevitability of major drama and this kept me on the edge of my seat. Burro Hills is a compelling poignant story that felt very real.
If you like impressive, emotional and sometimes shocking and raw YA, Burro Hills would be an excellent choice.
About Julia Lynn Rubin
Julia Lynn Rubin lives the writer's life in Brooklyn, where she has recently finished an MFA in Writing for Children & Young Adults at The New School. She received her BA in Anthropology & Film Studies from the University of Pittsburgh.
She currently serves as a writing mentor for Girls Write Now, New York City's premiere writing program for high school girls.
She has been writing books, poems, and stories since first grade, and loves reading about everything from film analysis to psychology. Her short stories have appeared in publications such as the North American Review, Sierra Nevada Review, and The Lascaux Review, and she has written for a variety of online publications, including The Content Strategist, Wetpaint Entertainment and AllDay.com.
Julia is passionate about realism and diversity in teen literature. She hopes to one day own a French bulldog, pug, Boston terrier, or perhaps a mix of all three.
Website // Facebook // Twitter // Instagram
Guest post by Julia Lynn Rubin
We desperately need more YA novels featuring bisexual boys.
Openly bi, out and proud, fully-realized bisexual boys. Boys who know that being bisexual is not a threat to their masculinity (or learn that over the course of the novel), that it doesn't mean they're "secretly gay," or greedy, or weird, or confused, or any of the other ridiculous stereotypes we bisexuals so often are on the receiving end of.
We also need books with boys who are questioning, boys who aren't sure yet, and who come to know that that's also totally valid and okay.
It's part of why writing the character of Connor Orellana in Burro Hills was so important to me. He's openly bisexual, out and proud, and he doesn't want to hide it. He isn't ashamed of who he is and how he feels, unlike Jack, my protagonist who is in deep denial that he is gay and falling head-over-heels in love with Connor. Jack is attracted to Connor in part because he is so free and open with himself, and while it terrifies him, it also ends up liberating him.
Growing up, I don't think I ever read any books with openly bisexual characters. If I had, if I'd seen myself in at least one of them that I resonated strongly with, especially a female bi protagonist, I probably would've come out a lot sooner to the world…and to myself.
For a really long time, I thought I was straight. I assumed that my occasional, intense crushes on girls were merely borne out of sexual curiosity, or maybe they were just some kind of fluke. After all, a lot of the girls I liked presented as more traditionally masculine, so I assumed that my brain just couldn't differentiate, and that maybe, to my brain at least, they were categorized as "boys?"
I was in deep denial. But I also had no representation in anything that I was watching or reading, no one to help me understand that not only was bisexual a thing, but that it was totally valid and different for every bisexual (as in, the 50/50 myth is totally still a problem and delayed my coming out process for years). No one ever really talked about bisexuality when I was younger, and when my best friend's sister came out as bi, I remember that for some reason it scared me senseless. I had always been so accepting, so open, so adamant about equal rights for LGBTQ+ people…or so I thought, but when it came to myself, to facing my own identity, I was terrified.
I thought that getting butterflies from kissing girls at an all-girls summer camp was merely due to two to three long weeks away with no boys in sight. I know better now, but it took me until my mid-'20s to finally, fully come out, and even at 28, I'm still learning to love myself, to not feel embarrassed when I say "I'm bisexual," and to fully embrace my identity.
Kids need well-represented bisexual characters in their media. And honestly, we adults do as well. So, let's keep writing them, and let's keep pushing for publishing houses to support and promote these books.
As for my next few YA novels, I plan to focus more on girls who love girls, whether they're bisexual, gay, or questioning. I'm excited to see where the road leads me next.
One very lucky reader of With Love for Books will receive a digital copy of Burro Hills by Julia Lynn Rubin.
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Aaah! I did it! Started at about 6, went straight through till 6. Fastest huge drawing ever. I think it features at least one character/prop from every day. Feel free to check, but don't tell me if I've missed one. Just keep looking. You'll find it.
Thanks VERY MUCH everyone, for your support and encouragement over these three months. I've really appreciated the feedback. I realised only the other day that 90 days is actually a season. This has officially been a season of my life. I've become much faster at producing work from start to finish, much more confident in my lines, better at balancing colour and finally, FINALLY, I'm finding my style.
Ok. I need a break. Stay tuned, though. I'll be posting a whole lot more work in future, now I've got a taste for it.
Brilliant, and funny. Love your style. And the quick sketches. Thanks for the smiles! I am definitely looking forward to more.
Thanks Rach! I'm glad you like it! Oh, there'll be more.
Thanks! It was so much fun to draw.
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Adelaide, South Australia
+61.43 888 5419
"What I say is that, if a fellow really likes potatoes,
he must be a pretty decent sort of fellow."


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5 Tips for Training Pregnant Women!
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Pregnancy is not the time to start something new or add to the current exercise program.
Starting an exercise program during pregnancy stimulates placental growth. Women who start exercise during pregnancy improve fitness and performance. They maintain positive attitudes about themselves, their pregnancies, and their upcoming labor and delivery. Regular exercise results in a more resilient baby who does better during the stress of labor and delivery. Where to take caution is not to increase intensity rapidly to the maximal level she can stand. Take it slow and steady.
Exercising in the first trimester can cause things like spontaneous abortion (miscarriage), defects in the developing baby, or abnormal development of the placenta to occur more frequently.
Continuing regular, vigorous exercise throughout early pregnancy does not increase the incidence of either miscarriage, birth defects or placental.
Exercise can rupture the membranes (break the water) or cause a woman to go into labor early.
Continuing and starting a regular exercise program does not increase a woman's chances of either rupturing her membranes or going into labor ahead of schedule, even is she exercises more during pregnancy than she did before she got pregnant.
Pregnant women are too tired and uncomfortable to exercise late in pregnancy.
Those who maintain a high level of performance or steadily increase their performance as pregnancy progresses feel so good about their appearance and capability in mid-and late pregnancy they want to exceed their assigned exercise program. They want more!
You can't be lean and toned and healthy during pregnancy.
Women who continue to exercise maintain a lean appearance throughout pregnancy. It does not mean, however, that these women are either underfed or malnourished. The average increases in weight (29 pounds) and skin fold thickness (10mm) in these women are well within the normal range for pregnancy.
All of these myths we debunked are supported by Dr. James F. Clapp's research in his book: Exercising Through Your Pregnancy.
The 3 Most Important Muscles to Workout During Pregnancy Exercises for a Smaller Tummy, Healthy Baby and Easier, Shorter, and Less Painful Childbirth
Learning to use the diaphragm muscle to its fullest potential is probably the most significant change that a pregnant woman can make to encourage her own health, and the health of her unborn child. The diaphragm is the primary respiratory muscle (along with the external and internal intercostals which elevate the ribs). It attaches to the bottom of the lungs and acts to pull the lungs open by increasing the vertical space of the thoracic cavity. As it draws air deep inside, life-giving oxygen comes with it, placing the diaphragm highest in the hierarchy of importance to the body.
Proper movement of the diaphragm is critical to stimulate proper function in the entire musculoskeletal system, gastro-intestinal system, hormonal system and central nervous system. It is the foundation of every Fit for Birth Program.
The single most important tool that a pregnant woman has during labor and delivery is her breath. A strong diaphragm, trained to pull air deeply and slowly into the body, maintains focus, control and relaxation during labor and delivery. Indeed, it is the critical basis for nearly all childbirth courses.
The Transverse Abdominis (TVA) Muscle
Teaching the pregnant client to connect to her TVA as it moves inward and outward is critical. It affects the likelihood of her injury during exercise. It affects her likelihood of suffering diastasis recti. It affects the size of her belly, her sense of comfort or discomfort throughout pregnancy, and her self-consciousness about how "big" she is getting. It can be an invaluable way to get her to become present with her body, as well as to connect with her baby. Whether you call it core activation, diaphragmatic-TVA connection, core breathing, or Belly Pump, it ranks top of the list in Program Design.
Pelvic Floor Musculature
The pelvic floor muscles are core muscles that form the bottom of the inner unit core "box." They support the uterus, bladder, and bowels. These muscles act to stop the flow of urine or bowel movement. A strong pelvic floor can prevent incontinence (inability to control urinary or fecal leakage) and pelvic organ prolapse (when a pelvic organ such as the bladder drops form its normal spot in the lower belly and pushes against the walls of the vagina). Pelvic organ prolapse is most often linked to strain during childbirth, as the pelvic floor is stressed. Incontinence can rise during pregnancy as uterine growth pushes into the bladder or colon, and the pelvic floor is unable to resist. A strong pelvic floor prevents both prolapse and incontinence. These muscles are also involved in guiding the infant out of the birth canal; they are also the muscles that are cut during an episiotomy.
A functional pelvic floor works in concert with the Diaphragm and TVA to maintain intra-abdominal pressure throughout movements. Like the TVA, it should naturally engage as the client's brain recognizes a need for stability. Contracting the pelvic floor muscles should generally cause the TVA to draw in.
James Goodlatte is a Holistic Health Coach, corrective exercise practitioner, speaker, author, and professional educator. His passion is to heal families by inspiring the use of natural methods and by building a global team of fitness & health professionals to reduce infertility, avoid mechanized childbirth, and reduce chronic disease in our infants.
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CyberGhost VPN Review 2019
How does CyberGhost compare to other top VPN service providers? Whenever you choose a VPN service to protect your online privacy and bypass geo-restrictions, there are several elements you need to consider. Pricing, customer support, VPN server speeds and locations, VPN protocols, VPN apps, and refund policy are the most essential. With all that in mind, we have prepared the following CyberGhost VPN review. Does this VPN live up to its hype? Let's find out.
CyberGhost VPN – A Quick Insight
Co-founded in 2009 by Robert Knapp, CyberGhost is one VPN provider that has gained a lot of customers considering the number of years it has been active. As of now, the provider has slightly above 15 million registered users. All these users benefit from a service that offers them a stable connection well guaranteed by over 1000 servers worldwide. With such a large number of servers scattered over more than 30 countries, CyberGhost customers get to enjoy complete anonymity over the Internet. On Google Play Store, the CyberGhost app has amassed over 1 million downloads. With a rating of 4.2 out of 5 starts, it also is one of the most highly rated VPN apps on Android.
Now that you know a little bit about the service, we can begin our review and have a look at what CyberGhost has to offer.
CyberGhost VPN Review
Server Locations
As mentioned above, CyberGhost has a decent number of servers that are well able to support its expanding network of users. People who are looking for a way to bypass geo-restrictions will definitely feel a lot more inclined to join this service seeing that it's 212 servers in the US alone will allow them to stream their favourite content regardless of wherever they may be.
Registered users are free to browse the Internet without any fear of their activities being logged.
You can find the full CyberGhost VPN Server location list below. Each country has at least 4 premium servers. USA has 212 premium servers while UK and Germany have 122 and 164 premium servers respectively.
- Austria
- Australia
- Belgium
- Canada
- Switzerland
- Czech Republic
- Germany
- Denmark
- Spain
- Finland
- France
- United Kingdom
- Hong Kong
- Hungary
- Ireland
- Israel
- Iceland
- Italy
- Japan
- South Korea
- Lithuania
- Luxembourg
- Netherlands
- Norway
- Poland
- Romania
- Sweden
- Singapore
- Ukraine
- United States
CyberGhost offer subscribers three different plans. Monthly, semi-annual, and annual subscriptions are all available.
CyberGhost's premium services cost fairly competitively compared to most other paid subscriptions. Their Premium plan goes for $10.99 a month, and if you choose the semi-annual plan at $7.99 a month or the annual plan at $4.99 per month, you get to enjoy browsing with no adds, faster speeds, more server access as well as the ability to connect up-to 5 devices.
If you're looking for a long-term VPN solution, you can benefit from CyberGhost's exclusive offer and get a 2-year premium VPN subscription for as low as $2.90 a month. As far as premium VPN service providers go, it's one of the best VPN deals you can get.
All premium subscriptions come with a 30-day money back guarantee where if the unlimited bandwidth, unlimited traffic, and OpenVPN protocol don't work to your advantage you're welcome to ask for a complete refund.
CyberGhost Payment Methods
You can sign up for a premium VPN account using the following payment options.
- Credit cards (Visa/Mastercard)
- Paypal
Encryption & Security
For those who are keen on the technical aspects of the service, CyberGhost VPN offers an AES 256-BIT Encryption that has a 2048-BIT Key and MD5 for HMAC authentication. Plans are in place to upgrade to SHA-2 authentication in the future, but in the meantime, the current security measures will have to do. CyberGhost offer PPTP, L2TP/IPSec, and OpenVPN VPN protocols.
Another added benefit is the use of perfect forward secrecy to further hide your identity. Each time you log in, the feature randomly puts together a new private key in order to protect your browsing history in case the privacy of your connection is threatened.
CyberGhost is certified by QSCERT with ISO 9001 and ISO 27001 certificates. ISO 9001 relates to working procedures while ISO 27001 regularizes technical procedures and security standards. Both are very high-quality attributes.
CyberGhost VPN Premium Features
Some people might wonder why they should sign up for a CyberGhost VPN premium account when there's a free version available. Well, the free version is severely limited when compared to its premium counterpart. You'll have to wait in line to get connected to a VPN server. This can take up to a minute or even more. You also won't get access to the high-speed premium VPN servers. A premium CyberGhost VPN account will grant you access to all of the following features.
- No waiting queue.
- High-speed VPN servers.
- No disconnection after 3 hours.
- Protection against malicious websites.
- An ad-blocker.
- Extra speed.
- Data compression
- Online tracking prevention.
- Force HTTPS.
- Automatic Kill Switch
- Unlimited Bandwidth and Traffic
- Simultaneous VPN Connections on up-to 5 devices.
- 256-bit AES Encryption.
- Strict No Logs Policy.
- DNS and IP Leak Protection.
- 30-Day money-back refund guarantee.
Speed & Performance
This would not be a complete review if we never went out and tried to test the kind of speed from a service such as CyberGhost VPN.
We tested various servers across the globe and our Internet speed didn't fall back behind an average speed of 6 Mbps. Keep in mind that these speed test results were conducted using premium CyberGhost VPN server. Just in case you suffer from slow speeds, we do suggest connecting to a different VPN server. In theory, the closer the VPN server you are connected to is to your actual location, the less impact the VPN connection will have on your Internet speed. The VPN protocol you use can also impact your Internet speed.
As a safety measure to cut off all browsing in case your connection is compromised, CyberGhost VPN allows you to disrupt your online traffic by providing a built-in Internet kill switch. You also get a variety of settings that'll allow you to either increase or unblock your connection.
CyberGhost Website
The CyberGhost website is one I'd consider to be very well designed and full of information about all you would need to know concerning their service. A comparison of their three plans is also available for customers to know exactly what they'll get before signing up. Another well-appreciated section of their site is their public transparency report page, where any form of unexpected activity on CyberGhost servers is indicated, alongside government & DMCA requests and law enforcement notices.
CyberVPN App Features & User Interface
CyberGhost VPN has a genuinely unique user interface compared to most of its other competitors in the VPN market. Everything is well laid out and easy to access. Also, the service offers users a list of options to choose from concerning what they intend to do through the VPN once they log in. The options include:
- Surf Anonymously
- Unblock Streaming
- Protect my Wi-Fi connection
- Torrent anonymously
- Unblock Basic Websites
- Choose my VPN server.
You get to choose from these options as soon as you log into your account.
Customer Support
For customers who have no previous experience using a VPN service, an available customer care team always comes in handy. Similarly to all other major VPN service providers, CyberGhost VPN offers live support. Their website encourages anyone with a query to create a ticket and wait for them to reach out for you. In the meantime, you could always go through their FAQ section to see if your concern might've already been addressed.
CyberGhost VPN Review – What We Didn't Like
There weren't many flaws with the various CyberGhost VPN apps we tested. On Mac, establishing the VPN connection did take a couple of seconds longer when compared to the same process using the Android app. The cost of a one-month CyberGhost subscription is a bit pricey too although you can save over 55% in case you choose the annual plan instead. You can even get a premium CyberGhost VPN subscription for as low as $2.90 if you purchase the bi-annual subscription plan. We would also like to see more South American VPN server location added. Finally, the absence of BitCoin was a bit of a surprise too. Still, with all the unique features CyberGhost have to offer, this certainly is one of the best VPN services providers out there.
Conclusion on CyberGhost Review
This being the end of our review, we hope you've gained a lot more insight into CyberGhost and the range of features that they have to offer. The provider is a good choice to consider especially if you're getting started with VPN and would like to add an extra layer of privacy and security to all your online dealings.
Refund Policy


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Micah Matthews recently finished and MFA in fiction at Warren Wilson. This episode is his audio essay where he describes his visits to the prison with Josh. These visits cause Micah to reflect on the spiritual good of going outside of his comfort.
Without permission to take microphones and cameras into the prison, this essay is the next best way for you to come inside to taste and see the movements of the Holy Spirit in a prison.
The Invitation is in the midst of a Kickstarter campaign to raise money to cover our capital budget. Please consider contributing financially so that we can create more creative spiritual formation content like this for you. tinyurl.com/y9gqmnha
Please subscribe to the Invitation Podcast to stay in the loop with all the new content as it becomes available.
Thanks for joining this journey with us!
Much Love & Peace to you!


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Cooking last night was from Post Punk Kitchen. I tried 2 recipes, which turned out quite nicely.
Tempeh Chili… below is a shot off their site of the chili. Mine looks JUST as good, actually. I made it über spicy (on accident) so it's sort of "hell fire" chili, but I don't mind. If you're not clear on what tempeh is, it's essentially fermented whole soybeans which make a patty as a result of the fermentation process. Admittedly, it sort of smells like old socks… but when you prepare it properly, the smell lessens. It's actually good, but I have a really sensitive nose so I have to adjust myself for it, perhaps more than an average person might.
What you need:
1 package (8 oz) tempeh, diced medium
1 large yellow onion, diced medium
1 green bell pepper, diced medium (I forgot this)
1 large carrot, diced small
3 cloves garlic
1 Tablespoon olive oil + 2 teaspoons
2 teaspoons soy sauce
3 tablespoons chili powder
2 teaspoons cumin
2 teaspoons fresh oregano, chopped (or 1/2 teaspoon dried)
1 1/2 teaspoons salt
Couple of generous dashes fresh black pepper
15 oz can pinto beans, drained
1 cup good dark beer (I use Negra Modelo) (I used wine)
15 oz can diced tomatoes
3 tablespoons tomato paste (forgot this)
1 1/2 cups water or veg broth
2 teaspoons pure maple syrup (forgot this too)
Juice of 1/2 a lemon (oh, I forgot this, wow… the list keeps expanding)
Handful fresh cilantro, chopped (about a cup, lightly packed)
In a large pot, cook onions,
green bell pepper and carrots over med-high heat, until tender and a little brown (15-20 minutes) stirring occasionally.
At the same time, put tempeh in a large frying pan and fill with water until it is almost covered. Add 2 teaspoons soy sauce and let simmer over high heat for 15 minutes or until water is absorbed, stirring occasionally. When water is mostly absorbed, mash tempeh with a fork, so it's crumbly but still chunky. Lower heat to medium and add 2 teaspoons olive oil , saute for 15 more minutes.
At this point, the twenty minutes for your veggies should be up. Add garlic and saute one minute, then add salt and spices (except cilantro, you add that last) and saute a minute more. Add
beer red wine and deglaze the pot. Cook for 2 minutes. Add tomato sauce, tomato paste, beans and water. Your tempeh should be done cooking so add that as well. Lower heat to medium, stir it up and cover for 20 minutes, stirring occasionally. Uncover and cook 30 more minutes stirring occasionally. Add maple syrup, lemon juice and stir it up. Add cilantro. Serve.
I also made rice with this. Thank god because it's so spicy, the rice helps to soak up the pain a little.
Recipe: Post Punk Kitchen


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Welcome to the Oasis at Dodge Park
The Oasis at Dodge Park is for seniors who need help with their activities of daily living and want luxury, convenience, and peace of mind that a secure setting can provide. We provide services including the Alzheimer, Dementia and Memory Care and our monthly free Support Group.
When you, or a family member, need a home that offers 24-hour supervised management in a warm and friendly home-like environment, think of the Oasis at Dodge Park.
The Oasis at Dodge Park is a higher level of care than assisted living for those not needing or wanting a nursing home.
Award Winning Rest Home & Memory Care Program
Oasis at Dodge Park is #1 in Massachusetts from Caring.com in Rest Home and Memory Care and truly stands out as among the top senior living communities in the country.
The Oasis at Dodge Park and Dodge Park Rest Home are the leading facilities for dementia and Alzheimer's care. From rest home care to adult day care programs, the Oasis at Dodge Park offers several memory care program options for providing safe, secure, and nurturing environments for adults with memory impairments.
Selecting a Care Facility for Your Loved One – A Guide for Families in MA
Author of A Practical Guide for Alzheimer's & Dementia Caregivers and Co-owner of Dodge Park Rest Home and Day Club and the Oasis at Dodge Park , Micha Shalev has written the definitive guide for MA families looking to select a Care Facility for their loved one.
After working with hundreds of families Micha understands the concerns and struggles facing families. The guide covers many of the known, and unknown issues, you'll face and offers a comprehensive tour checklist to ease your mind when making this life changing decision.
Discover the Difference at the Oasis at Dodge Park
A licensed nursing staff and a medical director, who are available 24-hours a day / 7-days a week, allow the Oasis at Dodge Park to provide a very unique level of care – more than that ordinarily found in the average assisted living facility – for those who need more care but who are not yet ready for a nursing home.
Find the peace of mind you've been looking for at the Oasis at Dodge Park.
We'll Lock In Your Rent
Receive 24 months of no rent increases guaranteed when you become a new resident at the Oasis at Dodge Park. There are no long-term commitments and you will still have the convenience and comfort of an annual lease. You've made a lot of smart moves in your life. Here's the smartest one yet!
- No increases for at least 24 months
- Comfort and convenience of a Month by month. No long term lease
- No buy-ins or long-term commitments


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Modern Fiats fall into two categories: the retro models and those with more functional designs.
Cars in the first camp appeal to the heart and include the 124 Spider sports car and the 500 series: a hatchback, a convertible, an SUV and two MPVs.
By contrast, the remaining models rely on their practicality and attractive pricing, with the Panda city car, Tipo hatchback and Fullback pick-up truck all prime examples.
Fiat can trace its roots back to the 19th century but is now part of the Fiat Chrysler Automobiles group, along with Alfa Romeo, Chrysler, Jeep and Maserati.