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Refinance Your Loan with the FHA Cash Out Refinance Program
If you'd like to reduce your rates and access the equity in your home, you should consider the FHA cash out-refinance program. Whether you have a conventional home loan or an FHA loan, you will be able to benefit from the simple terms and requirements of the FHA cash-out loan. Not only do you have the chance to get lower rates (and a lower monthly payment) but you will also get some extra cash to use at your discretion. And, if you want to learn more about FHA cash out refinancing (from a real human), contact us at home.loans and we'll give you the scoop.
What is the FHA Cash-Out Refinance loan?
The FHA Cash-Out Refinance loan is an option that allows a homeowner to pay off their existing mortgage by taking out a new, larger home loan. Like conventional cash-out loans, the Federal Housing Administration (FHA) cash-out loan leverages your home equity to fund a larger loan than what you currently owe on your original mortgage and pays you cash for the difference. Equity is the difference between a property's current value and the amount that's owed on the mortgage.
The amount you can borrow depends on the amount of equity the borrower has built in the home's value and is based on the loan to value ratio (LTV), which can't exceed 85% in order to qualify. To qualify for an FHA cash-out refinance, you'll need at least 15% equity in the property — based on a new appraisal.
For an example of how an FHA cash-out loan works, lets say that your home is valued at $150,000 and you owe $75,000, then you may only refinance to the value of $127,500 ($150,000 x 85%). If you refinanced to the full amount you could get a cash out of $52,500 ($127,500 - $75,000) before subtracting closing costs.
The Benefits of FHA Cash-Out Refinancing
If you'd like to reduce your rates and access the equity in your home, you should consider the FHA cash out-refinance program. Whether you have a conventional home loan or an FHA loan, you will be able to benefit from the simple terms and requirements to apply for an FHA cash-out loan.
Not only do you have the chance to get lower rates (and a lower monthly payment) but you will also get some extra cash to use at your discretion. You can use the cash for anything you like; however, the most popular choices are:
Pay toward the mortgage
Home improvements
Buying or paying off a car
Education costs
Debt consolidation
Let's say you have the equity you need and you qualify for the loan. If you owe $100,000 on your home and open an FHA cash-out loan for $150,000 and pay $5,000 in closing costs, you'll end up with $45,000 to use however you want.
If you don't choose the cash-out, this type of loan can be used to lower the interest rate and/or change the loan terms simultaneously—or, change an ARM to a fixed-rate loan.
Why you should consider the FHA Cash-Out loan
Unlike the FHA streamline refinance program which only allows borrowers to refinance FHA loans, the FHA cash-out loan lets you replace any existing home loan with an FHA secured loan. It doesn't matter what kind of loan, either. Whether it's a conventional loan, subprime, adjustable rate mortgage, ALT-A or any other loan type, you can refinance it with the FHA refinancing program.
The benefits are much greater than just getting cash out, too; the loan program is useful for reducing your interest rate and/or modify the loan terms to something more beneficial to your goals, like reducing a 30-year FRM loan to a 15-year FRM loan. You could also refinance in order to switch from an adjustable rate mortgage to a more easily manageable fixed rate home loan.
The best part is that there are no restrictions on your use of the cash funds you receive. You could use that extra money for anything from buying a new car to paying off expensive debts like student loans.
FHA Cash Out Refinance Pros:
You can refinance any loan type
More flexibility with your credit history and more options for first-time home buyers
You can turn your home equity into cash
FHA loans are assumable, so whoever purchases the home from you can take over your loan at the refinanced rate
Comparably lower rates than conventional cash-out loans
FHA Cash Out Refinance CONs:
The FHA has loans limits for each county and that may affect what you can expect from an FHA loan
FHA loans come with mortgage insurance costs, no matter the down payment amount
You will need to fill out all necessary paperwork for the new FHA loan
The FHA cash-out refinance program carries more strict eligibility requirements than the FHA Streamline refinance program
How to Qualify for the FHA Cash-Out Refinance Program
The official credit requirement from the FHA is 500+, but lenders can set their own credit requirements. Generally, credit scores between 600 – 660 are the standard. On top of that, homeowners must have a loan-to-value (LTV) ratio of no more than 85% and will need to get their home appraised in order to confirm its value. Beyond that, eligibility for the FHA cash-out refinance is for homeowners who fit the following criteria:
Live in the home as a primary residence—you cannot use second homes or investment property
Have owned the home for at least one year
Had no late payments within the last year
The debt attached to the house, such as mortgage insurance, homeowners insurance, principal and interest, taxes, HOA dues, etc., should not exceed 29% of your gross income
Debt-to-income ratio (DTI) should not be greater than 43%—your total monthly debt obligations cannot be valued at more than 43% of your total monthly income
You can possibly qualify for an FHA cash-out loan with a DTI as high as 50% depending on the lender's acceptance of certain "compensating factors" that reduce their risk. These factors can include larger down payments, higher credit scores, or purchasing an energy-efficient home.
FHA Cash-out Refinance Guidelines
No funds are needed to close an FHA cash-out refinance loan. Asset verification through a bank and/or investment statements are usually not required. However, the FHA lender may request bank statements as part of its own underwriting process.
FHA lenders evaluating an FHA cash-out loan application will require a new appraisal for the property. This is because the value from the appraisal is used to determine the maximum allowable loan amount. Currently, the maximum loan amount for an FHA cash out refinance is 85 percent of the value of the property as long as the home was purchased more than one year ago and does not exceed FHA county-by-county loan limits.
Non-occupant co-borrowers are not allowed for cash-out loans. That means you can't add a borrower to the loan who doesn't live in the home. In other words, you can't have your name on a relative's FHA cash-out loan.
Credit Scores
The minimum credit score for all FHA loans is 580. While there are no minimum credit score requirements established by the FHA for cash-out loans specifically, lenders will typically have their own internal requirements that are much higher than the minimum. The minimum credit score minimum requirement for an FHA cash out refinance is usually between 620 and 680.
Debt-to-Income Ratio
The FHA wants to ensure a borrower will be able to make the monthly payments. This way, they help prevent people from getting a mortgage they can't afford. So they look at a borrower's debt-to-income ratio.
FHA cash-out loans require the borrower to meet existing debt to income ratio guidelines. The maximum FHA debt ratio guidelines are 29 and 41 but may be higher in certain instances. The first ratio, 29, is the housing ratio calculated by dividing the total housing payment with gross monthly income. The housing payment includes principal and interest, taxes, insurance, monthly mortgage insurance premium, and any condo or homeowner association fees.
For example, if the housing payment is $2,000 and monthly income is $7,000, the housing debt ratio is 28.5%. A borrower with $7,000 per month income could have a house payment up to $2,030 per month and monthly credit obligations of up to $840 per month.
The total debt ratio limit is 41 and includes the housing payment plus additional monthly credit obligations. Additional credit obligations include credit card payments, automobile or student loans and installment debt. Other qualifying debt includes spousal or child support payments. This number does not include utilities, car insurance, or other non-debt payment types.
Ordinarily, FHA loans allow for a DTI of no more than 43 percent. In some cases, though, the FHA may allow borrowers with significant "compensating factors" to qualify with up to 50% DTI. These compensating factors can include a high credit score, a large down payment, or other qualifiers (like purchasing an energy-efficient home).
The FHA cash out refinance requires sufficient income to qualify for the new loan. Borrowers will verify their income with at least two most recent paycheck stubs from their employer showing current and year to date earnings, at least two years of W2 forms, and in many instances, the two most recently filed federal income tax returns.
Length of ownership of the home
If you've lived in the home less than a year, the FHA lender will use the lower of the appraised value or the original purchase price of the home to determine your maximum loan amount. For example, if you purchased the home less than a year ago for $250,000 and it now appraises for $270,000, your maximum loan amount will be $212,500 (85% of $250,000).
Loan Limits
In 2018, the maximum FHA loan limit is $294,515 for most areas of the country. In some areas like Los Angeles and New York City, maximum loan amounts can go as high as $679,650.
Maximum Loan to Value
The maximum LTV for FHA cash-out refinances is 85 percent of the property's current value. You calculate the LTV ratio by dividing the loan amount requested by the property value from the current appraisal.
FHA cash-out refinance loans are for owner-occupied properties only and cannot be used for rental properties.
Payment History Requirements
The borrower must provide documentation proving they've made all the monthly payments on time for the last 12 months (or since the beginning of the loan, whichever is less). A mortgaged property must have 6 months of payments at minimum before you can apply to refinance.
Second Mortgages
Unless both loans add up to 85% of the home's value or less, you can't add a second mortgage to an FHA cash-out loan. In some cases, you might be able to keep an existing second mortgage if you can subordinate it under the FHA loan. (Subordinating a loan involves receiving approval from the second mortgage lender agreeing that its loan is a lower priority than the FHA loan.)
Homes Owned Less Than One Year
If the borrower has had a mortgage for at least 12 months, the most recent 12 mortgage payments must have been made on time. If the borrower has had a mortgage for less than a year, they must have made at least six payments on the current mortgage.
Let's say you bought a home in May, and your first payment is due in July. This means you'll need to make all payments on time from July through December before you're eligible to apply for a cash-out loan—whether or not you have an FHA loan.
Credit Scores And LTV
An FHA cash-out loan has more relaxed guidelines than a conventional cash-out loan. This means borrowers with higher debt-to-income ratios and lower credit scores can qualify.
The absolute minimum credit score for FHA loans is 500, assuming a 10% down payment. The FHA cash-out refinance requires 15%. But most lenders require a much higher credit score than 500. Because cash-out lenders are more careful with approvals than home purchases, you'll probably need a minimum score between 600 and 660 to qualify for FHA cash out.
FHA cash out maximum loan-to-value is 85% of the home's current value (a new appraisal is required). Compare that with a maximum conventional cash out LTV of 80%. The higher limit is why many homeowners choose FHA cash-out loans instead of conventional.
Conventional vs. FHA Cash Out Refinances
Nothing is perfect, and an FHA cash-out refinance loan is no exception. All FHA loans require an upfront mortgage insurance premium of 1.75% of the loan amount. For a $200,000 mortgage loan, this insurance premium would be $3,500 in additional principal added to the loan total.
Additionally, FHA requires monthly mortgage insurance. It works out to be 0.80% of the loan amount per year on a loan with an 85% loan-to-value. That's $67 per month for every $100,000 borrowed. FHA mortgage insurance changes implemented on June 3, 2013, now require this monthly mortgage insurance for 11 years.
These extra costs may make a conventional cash-out refinance better for you if your home has significant equity. Conventional loans at or below 80% loan-to-value do not require upfront or monthly mortgage insurance.
FHA cash out mortgage rates
FHA rates are low, averaging 10 to 15 basis points (.10 – .15%) below conventional rates. This is because the FHA has strong government backing, so lenders have lower risks when issuing these loans. Lenders can issue these loans at lower risk due to FHA's strong government backing.
Questions and Answers about the FHA Cash Out Loan Program
How much lower does my new rate have to be in order to qualify for an FHA cash-out loan?
There aren't any requirements that a new rate has to be lower by any specific amount. However, your lender might require that you get tangible benefits by refinancing. Tangible benefits can include reducing your loan term, changing from a hybrid or adjustable-rate mortgage into a fixed rate mortgage, the cash itself, or lower monthly payments.
Is there any way to eliminate the mortgage insurance premium on an FHA loan?
No. The upfront FHA mortgage insurance is a requirement. In some cases, you may be able to get your lender to adjust your interest rate upward and give you a credit from the excess profit from the loan. This can help cover the 1.75% upfront mortgage insurance premium.
Can I refinance my conventional mortgage into an FHA cash-out loan?
Yes. However, the limit for an FHA cash-out is 85% of the property's value and requires mortgage insurance premiums to be paid. Consider the additional closing costs with an FHA cash-out loan and compare the FHA option with a conventional loan.
How do I determine how much cash out I need?
An FHA loan is limited both by the 85% LTV and local FHA loan limits. Keep those limitations in mind as you calculate how much cash you need. When you have settled on a number, tell your loan officer. He or she can come up with the loan amount you need. If you want to avoid the costs of a complete refinance and only want to pull cash out of your property, consider a home equity loan instead.
How late can a payment be in the past 12 months?
Most mortgage payments are due on the first of the month and are considered past due after the 15th of the month. Only payments that are more than 30 days past the original due date are considered late. If you make a past due payment before 30 days past the due date, it likely won't be counted against you. That is, if your lender received the payment before 30 days late and didn't report the late payment to the major credit bureaus.
I bought a property four months ago and it's worth a lot more now. Can I refinance?
If you haven't owned a property for more than six months, you're not eligible for an FHA cash out — you have to wait at least six months. If your property has become significantly more valuable in six months, the FHA lender will use the original sales price of the property or a new appraisal, whichever is lower. But a lender will likely question why the property value has increased that much in a reasonably short time frame.


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Food & Drink
Recipe of the Day: Ginger-Streusel Pumpkin Pie
1 sheet refrigerated pie pastry
3 large eggs
1 can (15 ounces) solid-pack pumpkin
1 1/2 cups heavy whipping cream
1/2 cup sugar
1/4 cup packed brown sugar
1 1/2 teaspoons ground cinnamon
1/2 teaspoon salt
1/4 teaspoon ground allspice
1/4 teaspoon ground nutmeg
1/4 teaspoon ground cloves
1 cup all-purpose flour
1/2 cup packed brown sugar
1/2 cup cold butter, cubed
1/2 cup chopped walnuts
1/3 cup finely chopped crystallized ginger
Preheat oven to 350 degrees. On a lightly floured surface, unroll pastry. Transfer pastry to a 9-inch pie plate. Trim pastry to 1/2 inch beyond edge of plate; flute edges.
In a large bowl, whisk eggs, pumpkin, cream, sugars, cinnamon, salt, allspice, nutmeg and cloves. Pour into pastry shell. Bake 40 minutes.
In a small bowl, combine flour and brown sugar; cut in butter until crumbly. Stir in walnuts and ginger. Gently sprinkle over filling.
Bake 15-25 minutes longer, or until a knife inserted near the center comes out clean. Cool on a wire rack. Refrigerate leftovers. Yield: 8 servings.
Taste of Home October/November 2008

subset: commoncrawl


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Mr Paul Walden's response to Anne Kilgour's letter (Gulf News 16 January) is misleading and reflects his personal crusade against the 40 year aspirations of a large body of Waiheke residents and tourists to establish an l8 hole golf course at Onetangi Reserve. Some background and context is instructive:
1) In 1973 the golf club was granted a 15 year lease on the Onetangi land by the then owners to develop a 9 hole course, with an option(and expectation) to extend the lease in order to develop an 18 hole course. Members of the club constructed the course with voluntary labour.
2) After purchase in 1984 by Auckland City Council, the land was designated as a recreation reserve and, in l995, following extensive public consultation, a draft reserve management plan for Rangihoua Park was published. That plan provided for an l8 hole course, (where the present course is situated) reflecting an overwhelming public demand for this facility.
3) In 2003 Auckland City Council formalised the golf club's tenancy and resolved to grant a 15 year lease to the golf club with a view to developing the final 9 holes.
4) In 2007 Auckland City Council and the golf club signed the formal lease.
5) In 2011 Mr Walden was instrumental in pointing out shortcomings in the statuary procedures relating to the 2007 lease (and leases of the museum and riding club) as a result of which the leases were set aside.
6) In 2012 the local board set in train procedures to grant replacement leases to the golf club, the museum and the riding club.
7) Following extensive public consultation and several days of hearings, the local board, led by an independent commissioner, on 31 January 2013 resolved to grant a replacement lease. The new lease to the golf club was signed in October 2013 and is now subject only to the approval of the Minister of Conservation. The lease requires the implementation of the 18 hole development in accordance with a complex set of plans and conditions embodied in resource consents gained over a two year period at considerable expense. Those plans and consents are, and have been, available to the public. The statutory process which was followed in granting the new leases (and a landing platform for the Westpac Rescue Helicopter) consumed hundreds of hours of public officials' time and a very significant amount of public funds.
8) The golf course is an important amenity on the island which is a major tourist destination. Apart from providing a vital social and recreational facility for Waiheke residents, it also caters for many thousands of tourists each year.
9) Mr Walden and his supporters keep harping on about the need for a reserve management plan for the Onetangi Reserve. But he is aware that Auckland Council, along with most other councils in New Zealand, does not, for financial and other reasons, have a policy of implementing management plans for reserves. And in the case of the Onetangi Reserve, there is nothing left to 'manage'. The entire park is subject to a discrete and comprehensive scheme in the district plan, which itself has been the product of successive reviews and extensive public consultations. Onetangi Park reflects in all material respects the draft reserve management plan published in 1995.
Mr Walden says that the development of the golf course will burden ratepayers with a further $1.5 million. There is no plan, nor any commitment, by Auckland Council to provide funding for the golf course. I suspect that Mr Walden is claiming that revenue arising from clean fill introduced for the development (less than $200,000) and to be applied towards that development, is 'public money' which the council is forgoing. There is, of course, no cost to the community because, without the development, there would be no such money. These funds will be applied toward creating a worthwhile public facility on the island.
Mr Walden needs to move on and stop wasting public time and money on relitigating the golf club's 40 year occupation of the land and its further development, in accordance with longstanding public support and aspirations.
Finally, I am surprised that Mr Walden, in his capacity as local board chairman, continues to be involved in the lease process against his acknowledged conflict of interest and self-disqualification until the process has run its course. A more responsible approach to his board position and Auckland Council's Code of Conduct is warranted.
Press Bias Exposed
I've been sent the full text of the letter from John Collings regarding the Golf Club lease issue that was edited in yesterday's Gulf News .The edited parts are in bold and red.The Waiheke Marketplace refused to print the letter at all. That is a shame. Granting of the golf club lease at Onetangi Sports Park is a wider issue for the community because leases are also pending for the Riding Club, Historical Society and a 'right to occupy' for the Westpac Helicopter Trust. Protecting the Chair of the Local Board from criticism only serves to strengthen the community perception that our press is one-eyed and politically biased.
Jo Holmes
December 2017


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Cornerstones: Acacia's membership development program
Acacia's Cornerstones program provides a foundation upon which our members build habits to succeed on campus and in life after college. With a focus on goal-setting and experiential learning, the Cornerstones Personal Development Program provides a framework for individual success and personal growth. At the chapter level, Cornerstones promotes a combination of guest speakers and presentations that encourage mental, physical, social, and spiritual growth.
Current Members list these benefits of the program:
Learning from an Acacian in your own field
Creating a bond with an alumnus that will be forever lasting
Help with key skills like resume writing, interviewing, budgeting, and more
Creating connections with possible future employers
Gaining skills and knowledge that match your interests
Alumni list these benefits of involvement with Cornerstones:
Being a mentor for tomorrow's leaders
A meaningful way for you to pass along knowledge & experience
Keeping you active within your home (or nearest) chapter
Supporting Acacia with your time & talent instead of your pocket book


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Stylish and exceptional jewels are not only those that are made of the various precious metals. Bojt Studio offers the collection of simple and at the same time elegant bentwood rings devoted to people who love unusual craftsmanship and fresh ideas of using the natural materials. The designers from this studio specialize in Scandinavian tradition of bending wood techniques. All models are hand-crafted and carefully polished revealing their beauty.
Now Bojt Studio has more than 100 rings in stock ready to ship. Dark and light, massive and subtle these jewels will suit to everyone. Your ring will be beautiful and strong as though being new in case of proper care. The designers uses the natural oils of the wood are extracted and replaced with a polymer. Enjoy the natural art!
VIA: Bojt Studio.


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...or embellishments. Before the final coat on a window panel, vessel or lamp, I use organic material to add a bit of intrest. I usually head to The Villagers on Haywood Road in West Asheville. Bits of beeswax for flowers in a field, chopped oat straw strewn across a pasture, dried rhodiola branches for light dirt.
But I was stumped on this large commission piece. The clients wanted fall leaves and a path (needing "darker" dirt. And that's the fun of doing commission work....listening to the clients and capturing their vision in fiber.
Then one morning I'm out in our garden, deadheading, and voila! Strawflowers and marigolds for the leaves and magnolia leaves for the dirt! Pick a passel of those and dried them on my years old drying screen and they are perfect.
I feel like Dorthy, "...there's no place like home."!


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Power Hour is a women only small group style Bible Study. We meet to study the Bible and pray together, all in one quick hour. It is a great way to connect with other women through the handmaiden's ministry.
Join Kelsey Dearden and Paula Giovinetti this morning from 9am to 10pm
*Babies and Toddlers are welcome
We meet downstairs in The Study.


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Dribbble is one of the biggest design community where designers, developers and other creatives are sharing sneak peeks of their work and occasionally, freebies like icon sets, psd elements and other stuff. Because the service is based on an invite system, only best designers are accepted, therefore the quality of the shots is outstanding.
Freebies, especially Photoshop freebies are the best way to show what a designer can do and it seems that more and more people are giving away small goodies just because they can. Not all are pixel-perfect but some of them are without a doubt out of the box. Dribbble is full of freebies and I want to share with you 100 of them which I consider to be the best. Oh, and they`re free, which means you can use them in your own projects!


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Date: 11/25/2006
Views: 7600
Welcome to the artistic
realm of
Regis Holland
An established painter living in
the Buffalo, NY area, Regis Holland has had his paintings featured in numerous exhibitions. He has also won
many awards and prizes for his work. The
Gallery featured on this site shows a mere portion of his
All paintings shown here, unless otherwise noted, are available For
Sale. Please click on each individual painting for information on
price, dimensions, medium and technique. Make sure you save this
site to your favorites and check back from time to time. New paintings will be
added as they are completed by the artist. If
interested in a painting please (click link)
send an
We accept Visa, MasterCard, American Express, Discover, and
Check payments through PayPal and will invoice buyers directly through e-mail.
** Thank you and enjoy!**
Homestead - SOLD
Low Tide - SOLD
May Day - SOLD
My Father - SOLD
Past Times - SOLD
Point Loma - SOLD
Randall Mill Pond- SOLD
Storm Approach - SOLD
Storm Pass - SOLD


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Jaime Bedrin
Jaime Bedrin '98 is an award-winning reporter and on-air host in Charlotte, N.C. She works for the local public radio station WFAE (90.7fm), where's she's reported on everything from trends in senior care to bee keeping. She's filed stories for National Public Radio and for Marketplace. You can catch her online www.wfae.org. In addition, she writes a monthly beauty column for The Charlotte Observer called Product Perfect. Check out her website: www.productperfect.net.


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We were sent the Peppa Pig Grandpa Pigs Boat Construction Set to test out and see how we thought about it a few weeks ago. Hayden is a big fan of all things Peppa Pig we recently went to see one of their Live tours shows which was brilliant.
First Impressions:
– Bight colours
– Easy Instructions
– Decent size pieces, very similar to Lego building blocks
Price: £19.99
My thoughts:
We've been having tons of fun building the construction boat. The set includes a Grandpa Pig figure which you can stand on the boat and have Grandpa Pig pretend he's driving the boat. You'll also find included great stickers to help decorate the boat which brings extra fun.
You'll find this toy encourages dexterity and coordination skills.
I'll have to admit I was a bit sceptical about Hayden following the instructions on how to build the boat but with my help he did really well – I was actually very surprised for his age he did will. I think that any child under the age of 4/5 might find it difficult to complete the set in their own but it will be a nice littler challenge for them.
It takes about 5 mins in total to build and we played so many games with it. I love that it has wheels at the bottom – Ideal for hard wood or laminate flooring. Don't be surprised if your child gets a bit disappointed with no being able to take it in the bath. You'll soon be able to take their mind off of it with more of the Peppa Pig construction range, I currently have my eye on their house – it looks pretty epic.
Overall its a great toy and we had a lot of fun playing with it
Overall its a great toy and we had a lot of fun playing with it
Disclosure: We were sent this product for the purpose of this review.
All views and opinions expressed are honest and entirely my own.
All views and opinions expressed are honest and entirely my own.
Until Next Time… Charlotte x
Find my Disclaimer


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About Us
Who We Are
First United Methodist Church of Sallisaw is an active and growing church that is excited about welcoming new people into our fellowship. If you are looking for a church that offers ministry for people of all ages, cares about the people in our community, and celebrates our faith in Jesus Christ through joyful worship services, then we may be the church for you. We invite you to come and be our guest whenever you are ready.
With a rich history that dates to 1848, FUMC is continuing to be in ministry to the people of Sequoyah County and beyond.


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THE POLITICAL intimidation artists of the National Rifle Association outdid themselves in pushing a bill through the Senate that would make the interstate sale of firearms legal.
Now, an effort to bring the proposal through a seldom-used backdoor to the floor of the House of Representatives is being opposed by a formidable coalition of law enforcement agencies.
The group, which includes the Fraternal Order of Police, Federal Law Enforcement Officers Assocation, International Association of Chiefs of Police and the National Sheriffs Association, does not meet the NRA's pinko-wimp profile of gun control advocates.
The coalition urged House members to hold firm, "in the name of sanity," against the efforts of Rep. Harold Volkmer, D-Mo., to get his version of the Senate legislation out of the Judiciary Committee by way of a discharge petition.
Volkmer needs 218 signatures on the petition to get by the committee, which is chaired by Peter Rodino, D-N.J., a strong advocate of gun control. He is well short of that goal and, if prudent judgment prevails against NRA arm- twisting, the bill will not be passed.
Opposition to the legislation is based on the belief of law enforcement leaders that the interstate sale of firearms would make a shambles of state and local efforts to control gun purchases by:
Weakening licensing and record-keeping requirements by expanding the number of people who would be exempt from such provisions.
Making it more difficult to trace crime weapons by prohibiting storage of records of defunct licensees in a centralized location or a computer.
Requiring destruction of some records after 20 years.
Making it tougher to crack down on dishonest gun dealers by making advance notice of government inspection mandatory.
NRA protests that criminals don't go to dealers to buy guns ignore statistics that show many hoodlums do get guns that were orginally purchased legally by friends, family members and others. They refuse to acknowledge the mathematical fact that, the fewer guns on the market, the harder it is for thugs to acquire them.
The pleas of millions of ordinary citizens who want effective control of firearms sales have often gone unheard by Congress.
The objections to interstate gun sales by police who have to deal with crime every day should drown out the noisy pressure tactics of the NRA.


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Home › Shop › Brewing Supplies › Brewing Equipment › Fermenters & Accessories › Homebrew Temperature Control › Inkbird ITC-310T-B Programmable 12 Stage Temperature Controller Thermostat
The Inkbird ITC-310T-B is an affordable dual relay output temperature controller perfect for fermentation applications, or for your custome keezer build! It is packed with features to help you keep your beer at just the right temperature, producing perfect lagers and ales alike. It has dual display windows for displaying both set temperature and actual temperature, and can display temperatures in either Fahrenheit or Celcius. Both high and low temperature alarms are available on this unit, as well as compressor delay protections for refrigeration control and sensor fault alarm. Plug and Play, this has plugs for both heating and cooling devices, such as heating pads and refrigerators. It has temperature calibration, and can be set for individual heating and cooling differentials. It also comes with a 2m (6.56 ft) NTC sensor cable and probe for easy temperature detection. In addition to all these features present on the ITC-308 model, the ITC-310 has 12 programmable time periods that you can program with 12 different temperatures on a timer. Making temperature control safe, reliable, easy AND programmable, the Inkbird ITC-310 is perfect for your fermentation needs!
Product Features
- Easy to use plug-and-play design
- Dual relay output
- Timing Range: 1~999 (min/hour/day)
- Periods of Time Max: 12 periods
- Plugs for both heating and cooling devices
- Dual LCD display for set temperature and actual temperature readings at the same time
- Temperature calibration
- Compressor delay protection for refrigeration control
- High and low temperature alarm function
- Over temperature and sensor fault alarms
Product Specifications
- Temperature Control Range : -50~99C / -58~210F
- Temperature Resolution: 0.1C / 0.1F Temperature Accuracy: ±1C (-50 ~ 70C) / ±1F (-50 ~ 160F)
- Temperature Control Mode :On/Off Control, Heating and Cooling
- Input Power: 100 ~240VAC, 50Hz/60Hz
- Temperature Control Output: Max. 10A, 100V ~240V AC
In-stock orders in by noon usually ship out same day! If there is a delay, we'll let you know ASAP.
20 Years
of Service
of Service
We've been doing this for a while now, so you can count us to be here for you. We're a family run business with a focus on service!
No Hassle
30-Day Returns
30-Day Returns
Whether you got the wrong product(s), something arrived broken, or the product is just not what you were expecting, we want to make sure you are happy. Give us a call for any returns. For specific information, read our return policy »
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As we get ready to bid adieu to Winter 2016, we look forward to trends Spring Summer 2016 with a sense of anticipation and excitement. To many of us, summer means warmth, freedom and joy. We replace the dismal greys and blacks in our wardrobes with vivid floral prints and perky polka dots. What trends do we follow this spring summer?
Trends Spring Summer 2016 Tropical Wave
We are riding on a tropical wave this summer. Expect a profusion of palm fronds and pineapples, frangipanis and gardenias, flamingoes, macaws and hornbills. You see them on kaftans, dresses, scarves, bags and home ware . A complete tropical look may be too overwhelming for most of us. If you do not wish to look like you have stepped out of a resort holiday brochure, combine any one item from the tropical range with understated neutrals.
Trends Spring Summer 2016 Embroider Everything
The sudden craze for Mexican peasant blouses and Ukrainian vyshyvankas stems from the folk theme. Tiered skirts and embroidered tops have been re – energised by fashion houses of Valentino and Gucci. Customers are giving 'mass produced' a miss in favour of the intimate feel of artisan made items from little known shops.
Trends Spring Summer 2016 of frills and flounces
Sleeves have sprouted frills and flounces this season. They are big, edged with ruffles, complementing the tiers of boho inspired skirts and dresses.
Trends Spring Summer 2016 Creepy crawlies
Insects have finally got the attention that was long overdue. Butterflies, dragonflies and beetles feature prominently alongside oversized floral prints.
Trends Spring Summer 2016 dots checks and stripes
Graphics and geometric prints are not going away. Polka dots, stripes and plaids abound in plenty and are clever tools to work around body shapes.
Trends Spring Summer 2016 sportify
A big event like the Olympics, leaves its imprint on everything when it happens. We can see athleisure emerging as a strong trend, inspired by the Olympics, lifestyle choices and comfort. Designers are opting for the middle path between leisure and athletics. This trend also acknowledges the shift towards multi faceted and versatile garments that service the needs of modern women.
Trends come and go. You do not have to follow trends blindly, but re – purpose fashion trends spring summer 2016 to suit your specific body shape, environment, lifestyle and preference. Need a helping hand? Do not hesitate to contact Deidaa. Deidaa offers styling advice that comes absolutely free with no strings attached.


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I'm not a big fan of surveys. That includes, (dare I say it?), the 360 degree performance assessment type survey. I know, they are meant to be a useful tool but to me, no matter how carefully put together they are, the result is rather like a distorted mirror in the Fun House, not very clear and not particularly accurate.
On the face of it, 360-degree assessments present as simple processes; something like the one Bob here is undertaking. (The clip is 62 seconds)
The trouble is, there are often a number of factors at play that skew the results one way or another. Here are only a few examples of what I mean.
- When Bob's boss asks him to complete a survey at a time when Bob is not best pleased with him, his objectivity flies out of the window and his responses are coloured by the way he's feeling at that moment in time.
- Bob would like his colleagues to complete their survey about him favourably so he completes their surveys favourably too. It's kind of a quid pro quo thing. You know?
- The questions all ask Bob to respond by choosing from a range of ratings from poor to outstanding. While he has a pretty good idea what each rating means to him, he has no idea what they mean to others and what standards they work from when they complete the survey.
- Even though there may be room for Bob to explain his ratings, usually he doesn't, because frankly he doesn't have time. He still has more surveys to complete for several more of his colleagues. So he just ticks the boxes and hopes that will be enough to satisfy the process.
So, while I agree that "good information helps Bob make better decisions", the information gathered from a formal 360 process runs risk of being inaccurate and therefore, not really that useful.
The question is, what is Bob to do? How will he find out how he's doing if there is no formal process to tell him?
To me, the answer lies in his willingness and ability to consistently focus on three things:
How he talks to people and how he listens ~ If the communication between Bob and his Boss; Bob and his colleagues and; Bob and his team is honest, clear and empathetic, there will be enough trust among them for him to simply ask how he's doing without having to go through a formal and anonymous process.
How he builds relationships ~ in my mind, the health of any business relies on its ability to build relationships. This requires people like Bob to work well with those around him; to understand their challenges; help them; and solicit their help too. Building relationships ensures that the quid pro quo among colleagues has meaning that goes beyond the notion of "I'll tick your' like' box if you'll tick mine".
How much he cares about helping others to learn and grow ~ In my book, people who spend time coaching and providing learning opportunities so that others can be and do better usually know when they are doing well. For them, great performance comes from their ability to help others deliver great performance too. If Bob were to do this, he would have no need of a formal feedback structure. He would be giving it and getting it. Every day.
So okay, maybe I'm being a bit Utopian. I know there are still many organizations that struggle with all three of these things. It is not an ideal world. I'd like to think though that rather than relying on complicated and expensive 360-degree performance processes to guide them, more workplaces will spend their time talking, listening and simply building relationships well enough to make them unnecessary.
What do you think?


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During a time with a low economy and a high unemployment rate, it is more important than ever to mix and mingle with business professionals who can help you get your foot in the door at a new job, or even enhance your current career. It's all about who you know and Connecticut is full of eager professionals looking to network and help each other out. Across the state, people from all backgrounds and industries unite at networking events to get to know new professionals in their area, expand existing business relationships and have fun all at the same time. Whether a networking group member or nonmember, Connecticut residents are invited to a wide variety of venues to be introduced to new faces and opportunities.
Hot Tomato's
1 Union Place
Hartford, CT 06103
(860) 249-5100
This popular downtown Hartford bar and restaurant is no stranger to networking events. Recently, HYPE (Hartford Young Professionals and Entrepreneurs) gathered at a casual event here. A convenient location for those who work in the insurance capital of the world, Hot Tomato's is frequented by a crowd of young professionals during the week. It is also right next to the train and bus station, making it an easy spot for those who may commute via public transit. The relaxed atmosphere makes networking easier for those troubled by nerves. HYPE even offered a raffle at its recent event, where admittance required the simple drop of a business card.
Vito's By The Park
26 Trumbull St
Hartford, CT 06103
(860) 244-2200
Although a bit more on the fancy side, Vito's by the Park is another great option for networking in the state's capital. Just across from the beautiful Bushnell Park, Vito's offers classic Italian dining and a full bar. Business professionals will often meet for a drink after work, conduct business luncheons, dinners and other meetings and also host networking meetups. Valet parking is free on Thursdays and a daily happy hour is offered from 4 p.m. to 8 p.m. during the week. Specials during happy hour include half-price appetizers, $3 drafts and $5 glasses of wine. This is a prime location for those looking to hang out with business elites for a fair price.
Thai One On
56 Whitehall Ave
Mystic, CT 06355
(860) 415-4666
Referring to its venue as the place "where east meets west," Thai One On is a place where professionals in the Mystic area can meet some new cuisine as well as networking buddies. The Mystic Chamber, which hosts monthly networking events, is featuring a "business after hours" event here on September 14 from 5:30 p.m. to 7:30 p.m. The cost is $10 for members and $20 for nonmembers. Prior to the start of the event, those interested are invited to arrive at 5 p.m. for some helpful tips on how to successfully network. Remember to bring business cards as well as a non-perishable food item to donate. If you cannot make the event, no worries. Thai One On is always bustling with professionals ready to chat.
2100 Dixwell Ave
Hamden, CT 06514
(203) 248-2283
While not a restaurant unique to Connecticut, Chili's bar and grill in Hamden has played host to New Haven-area professionals for fun and delicious networking events. Serving everything from soups and salads to Mexican favorites and flavored margaritas, Chili's is a fun, casual, relaxed environment where everyone can have a good time while getting to know one another. No matter what your industry, you never know when various fields of business can intersect and help one another out.
Barcelona Wine Bar
971 Farmington Ave
West Hartford, CT 06107
(860) 218-2100
Located in the beautiful West Hartford Center, Barcelona Wine Bar is a favorite for many young professionals in the busy West Hartford and Farmington area. Always bustling, whether the weekend or a Tuesday evening, Barcelona offers a unique atmosphere, tasty tapas and an impressive wine list. Recently, Yelp, an online group which features reviews of restaurants, shops and more, hosted a "Yelp Elite" event at Barcelona. The gala included drinks and food samples in addition to belly-dancing entertainment and lessons. While it was not strictly a networking event, "Yelpers" come from all industries and are great people to network with – and they love Barcelona.
Related: Top Secret Bars In Connecticut
Nicole DiCicco is multimedia specialist in Connecticut who enjoys dancing, movies and live music. She writes about all the nightlife Connecticut has to offer. Her work can be found at Examiner.com.


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Nepal Rebuild Project
I arrived in Nepal a few hours ago. Already life is slowing down. If you want to learn patience then come to South East Asia. It has taken me at least an hour to secure internet access to write you this note. Its nice not to rush.
From an outsiders view Kathmandu feels as amazing as ever. However, the situation in Nepal is not so good. "Its not normal here, Didi." Was one of the first things my Nepali brother said to me upon arrival. The two large earthquake and subsequent aftershocks has taken its toll. But India's embargo is hitting them harder and kicking them while they are down to the point where aligning with China seems like the only available solution. It's sad to see because the Nepali people are keepers of a great Himalayan tradition, they are kind and hard working. You can hear the sound of rebuilding throughout the city of Kathmandu. People trying to get back to 'normal'.
We are here to help in whatever small way we can. To bring tourism, build a Gorkha village school, and mostly show our friends moral support. We humans just want to know that we are loved. A smile, a hand and a hug go a long way and kids need to be in a safe environment to learn. We have gone through the process of getting our work legal with the government which was no small task. Helping others should be easier then it is sometimes. For those doing non-profit work you know how challenging it can be to get through red tape in order to serve.
Unfortunately, with the current embargo our dollars won't goes as far as we hoped. While we have raised funds due to your generous support and we are very positive about what we can accomplish, I know that I need to reach out one last time before I head into the village and go off line.
Will you make a donation today?
Again or perhaps for the first time?
Any amount is greatly appreciated and goes directly to this project.
I am happy to be here, feeling blessed that I can use my time, energy and resources to serve. I am excited to see the village, unplug and nestle into the mountains. I will document our progress and update you when I can. Bless you on your path.
And the adventure continues...


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http://www.youtube.com/watch?v=-5T5M1iW1WY I grew up with Back to the Future, Doc Hollywood, and Homeward Bound, so I've always been a fan of Michael J. Fox. I even love Atlantis, despite the gaping plot holes that threaten to swallow someone. But Fox slowed down a little in 1998 after he announced he'd been diagnosed with Parkinson's. Completely understandable, but here's what I like best about this story. There's another chapter.
Fox didn't fall off the face of the Earth after his diagnosis. He did some guest spots, a few voices, and now he's doing The Michael J Fox Show. In the interview above, Fox talked about doing his guest appearances and realizing that acting is what he loves. And thank goodness, because the man is a brilliant actor and he's just getting better. The guest part he played on Scrubs is probably one of my favorites. Take a look.
Who knew you could channel Parkinson's to bring OCD to life? I really nerd out over actors and comedians using their disabilities as an advantage. Phamaly for example. And Samuel J. Comroe. And now Michael J. Fox. He even talked about finding new depths in his work while dealing with his disease.
I've seen the first couple episodes of the new show and I'm really excited. I'm totally on board with the whole comedy is tragedy plus time thing. Sometimes it just has to be funny, and humor can be the best way to bridge the gap between people. Again, Phamaly and Samuel J. Comroe come to mind.
So far The Michael J. Fox Show avoids the "inspiration porn" trap, even going so far as to make fun of it. It's great to see a work of fiction on TV that portrays someone with a disability just getting on with their life, with the same joys and fears and family drama everyone else has.


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625 New York Avenue Brooklyn, NY 11203
Phone: 718-493-2363
We have a 20,000 sq. ft. Nursery One of Brooklyn's Largest!
Description: A deciduous climbing vine that is easy to grow and an American native. Attractive to hummingbirds, butterflies and bees, this would be a great addition to a butterfly garden. Will cling to garden structures and will grow rampantly in full sun or partial shade. Will grow in any average soil. Prune back to a few buds in the early spring, as flower buds form on new growth.


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Driven by story, but wanting to create measurable change, Tim Matsui created Leaving the Life to engage audiences and provide opportunities to become more than content consumers.
Without the support of the Alexia Foundation, whose Women's Initiative Grant was the seed capital for this reportage, the project would not have its strong narrative component. Partnerships with the Blue Earth Alliance, A Fourth Act, and a subsequent grant from The Fledgling Fund allowed him to create this community engagement project.
Tim Matsui: Along with photojournalism experience in wires, agencies, magazines, and long-term projects, Matsui brings nearly 15 years experience reporting on trauma and victimization, several years founding and running a non profit emphasizing community engagement, and has the collaborative, relational style necessary for intimate visual storytelling.
Laura Lo Forti / A Fourth Act: A former writer, editor and multimedia producer, for the past 10 years she's been a "story midwife" working with non-governmental organizations and social action groups to create participatory media projects that raise the emotional voices of vulnerable individuals and communities to generate civic engagement and encourage systemic change.
Andrew DeVigal / A Fourth Act: A former multimedia editor at The New York Times, DeVigal is a visionary storyteller with a comprehensive background in pioneering new approaches to interactive storytelling and leading award-winning interdisciplinary teams.
Meredith Lawrence: A former newspaper reporter, Lawrence recently completed her Masters in Multimedia Journalism. She is a journalist and multimedia producer with a background in narrative storytelling and education reporting.
While working on his Women's Initiative Photography Grant from the Alexia Foundation, Tim Matsui chose to make video a priority. The production company MediaStorm was hired by the foundation to produce a multimedia piece. However, relationships developed and access deepened for Matsui, ultimately allowing the production of a feature length documentary film.
This film weaves together the stories he found, showing how people have responded to the issue of domestic minor sex trafficking. The film serves as a narrative tool for broad audience outreach and supports the targeted community engagement work of Leaving the Life.


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Explore how SAP HANA Enterprise Cloud empowers business and IT operations to unlock the full value of the SAP HANA platform in the cloud. See how our end-to-end, privately managed cloud solution delivers a comprehensive, coordinated application landscape and suite of managed services.
View this video now to find out on the unique benefits that make SAP HANA Enterprise Cloud the fastest, simplest way to run your applications.


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If you are new to Amy Richter Orthodontics or if you have questions that need answers, Dr. Amy Richter and our orthodontic team are excited to assist you by providing the patient resources you need. Those resources are:
If you complete your patient forms and utilize these pages, there is a high chance you'll have a more successful first visit and you will also understand more about what we and our orthodontic treatment in Buffalo, New York, can do for you. If you have any questions, please remember that you can always call our office at 716-239-4815.


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We have a rich and vibrant curriculum that includes lots of opportunities for music and the arts. Children have many opportunities to perform to audiences and to take part in large events such as Young Voices.
Gildersome Primary School
Town Street, Leeds, West Yorkshire LS27 7AB | Tel: 0113 201 2450


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It's time for Takeover! Your land is in danger because of the seizing of enemies. Present yourself at Takeover unblocked to take back what belongs to your realm right now! The Rivadies Empire has reigned the mainland for a long time, but now the Necromancer seizes it and seems like this continent is perishing. Don't you think it's time to take over your land? Your in-game mission is to control and guide three nations to battling against the enemies and take revenge for Rivadies. Manipulate your troops, mine the resources, and wipe out the enemy fortresses to take control of the land. Don't forget to unlock and upgrade your weapons to boost your strength. Have fun with the Takeover unblocked now!
The game is controlled with the mouse only, click to create and guide your troops.


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Ultrasonic cleansing, system of complete skine hygine and regeneration acts via microvibrations. Dead cells, acne, inequality removal. The skin refinement, rejuvenation, deep pores cleansing, pigment spots improvment. The skin structure restoration after treatment resulting in fine, smoothed, lifted and radiant skin acneless.
The treatment procedure: surface cleansing, deep pores cleansing vie ultrasonic, special peeling, ozone, regeneration laser Maestro or Photon acne therapy, mask, serum, cream
- Face treatment: 1400,- Kč
- Face and decollete: 1.900,- Kč
- Back treatment: 1.900,- Kč
Contraindication: pacemaker, heart diseases, pregnancy,breast feeding, epilepsy.


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I need help getting started going back to school. I graduated high school in 1994 and attended a local community college for part of a semester taking 1 class but didn't finish it. I want to go back to school now and take marine biology, but I know I'm going to have to take a ton of what I call crap courses to get started so I was wanting to do these online. What is a good college to get started that is affordable AND will transfer credits to a brick and mortar school? What classes do I take, everything I see is a degree path, I need classes to get started, PLEASE HELP!!!
Taking Non-Major Courses Online
- 5.4K Views
- Last Post 20 October 2014
Hi there,
Great question.
The best way to make sure all of your non-major courses will transfer is to first identify the top 2-3 brick and mortar schools that you'd like to get your bachelor's in Marine Biology at.
Each school will vary a bit in the number of credits they will accept from transfer students. You'll likely be able to transfer most non-major courses but it's best to double check first instead of spending unnecessary money on courses you won't be able to use later.
In each of your preferred Marine Bio programs look at the full course requirement list. You'll likely transfer in at the junior level to begin courses in your major so you'll want to knock off courses from the first two years of the course requirement list at your chosen online school.
Also, make sure to consult with admissions at each school and verify that they will accept the credits from the courses you plan to take. Most schools are aware that they will have students transfer in at the junior level and prepare academic guidelines and plans that will assist these students. For example, view the University of California Santa Cruz Marine Biology BS Transfer Academic Plan.
Also, you'll want to make sure you're not paying more for your online courses. Online education can sometimes be more expensive so it pays to do your research! Online community colleges are a great option for you and will provide the base education you need at a very affordable rate.
Also, any school featured in GetEducated's Best Buy Affordability Rankings provide great education at an even better value.
Good luck!
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A lot of women I encounter in jail have endured a life of being told that they are less than. Being told that they don't matter. Being told that they are nothing more than a body to be used, abused and thrown away.
In trauma sensitive yoga we find ways to take negative self-talk and replace it with positive language. Sometimes to quiet the loud external voice it requires a fake it until you feel it approach.
For instance, in a study by researchers at Northwestern State University, Natchitoches, people who used positive affirmations for two weeks experienced higher self esteem than at the beginning of the study. Also, in a study published in the Journal of American College Health, researchers found that women treated with cognitive behavioral techniques, which included use of positive affirmations, experienced a decrease in depressive symptoms and negative thinking. A study by researchers at the University of Kentucky, Lexington, had similar results, and came to a similar conclusion.
In the sentenced women's dorm I used a silent affirmation meditation to open class. I had students pick one thing they loved about themselves that wasn't physical and turn it into an 'I am' statement. I am brave. I am compassionate. I am smart. I am love.
If they wanted, they could come back to their phrase over and over. Every time we met in Mountain pose I invited them to silently repeat their I am statement with hands gently pressing their hearts. Before closing class an I offered the option one more time.
I heard a women whisper ' I am hopeful for a better life.' It caught me off guard and I had to pause before saying 'Namaste' because of the huge lump in my throat. Her voice stayed with me all day, not just because it was moving but because it was honest and so very real.
I am hopeful for a better life.
I am hopeful for a better life,
I am hopeful for a better life-
I am hopeful for a better life.
Aren't we all?
I am hopeful for a better life.
I am hopeful that one day all beings will be happy and free.
I am hopeful.
I am.
Namaste y'all.


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Victoria Ave.
Victoria Ave.
A new living area
The clients engaged Ardent to revitalise the rear of their house and outdoor area. The couple wanted a living area that opened out on to a large entertaining area that adjoined a pool area.
Internally the kitchen and living area were reconfigured to provide more open and welcoming space filled with sunlight. The addition of the butlers pantry and laundry allowed for a larger living space to be created.
The outdoor area has a mechanical louver roof to allow for control of sun and rain depending on the time of year and weather.
As architects we were looking to utilise materials that required no maintenance so that the works looked crisp and clean for their lifetime. The choice of a dark block was to tie in with the black steel and framing.
The clients did a fantastic job of selecting all the internal finishes, fixtures and furniture. The wide oak boards add a lovely warmth to the room and tie the black steel and white cabinets together.
Roll out, invisible fly screens are installed across the triple sliding doors to give the ability to live with the doors open during the warmer months without the visual obscurity when not in use. Sliding doors with built in drains were used so as there is no step between indoors and outdoors making the inside and outside seamless when the doors are open.


text: Product Search Search Effective Health Care website Submit search Search Tip: Use double quotes around phrases to rank exact matches higher in the result list. 5 results Sort search results by Sorted by relevance Sort by date Tympanostomy Tubes Research Protocol November 18, 2015 Interventions to Improve Appropriate Antibiotic Use for Acute Respiratory Tract Infections Research Protocol May 23, 2014 Supplemental Project to Assess the Transparency of Reporting Requirements: Tympanostomy Tubes in Children With Otitis Media Research Report June 1, 2017 Reporting the Findings of Updated Systematic Reviews of Comparative Effectiveness: How Do Users Want To View New Information? White Paper May 16, 2013 Otitis Media With Effusion: Comparative Effectiveness of Treatments Research Protocol March 20, 2012


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Following a successful fundraising campaign, the Education and Conference Centre was completed in 2009 and officially opened by An Taoiseach, Enda Kenny TD, on 2nd June 2011.
The Centre comprises of a 100 seated auditorium which can be divided into two soundproof auditoriums with seating for approximately 45 people. The Centre also provides a library / study room for students, nurses and doctors and a large reception area.
The Centre is equipped with the latest in Audiovisual and IT equipment, for the teaching of post graduate and under-graduate medical and nursing students.
As well as being used for academic purposes, the Centre is available to hire for Conferences, Symposia, Seminars, Meetings etc. to external groups or organisations.
For further information please contact:
Cathy Fox: firstname.lastname@example.com or phone +353 163 43659
Vivienne McGovern: email@example.com or phone +353 166 44670


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Medication Management Made Easy
Do you have to take multiple medications throughout the day? Are you struggling to remember how much of each to take and when to take them? We understand how difficult it can be to manage your medications on a daily basis. This is why we offer easy-to-use products like the SafetyChoiceⓇ MedMinder to help you.
The MedMinder is a wireless pillbox that locks for security purposes. Using advanced technology, the MedMinder helps you manage all of your medications safely. It is easy to use and can be managed through our secure, online portal. You and a loved one can track any missed doses, when you're taking your medications, and more. You and your loved one or caregiver will receive text and email alerts if you ever miss a dose for extra security.
MedMinder Dispenser Features
The MedMinder is an innovative, safe, and easy way to manage your medications. Here are some of the most notable features of the MedMinder:
- Contains 28 compartments to hold 7-14 days worth of medications
- Does not require a landline or Internet connection
- Lets off audio and visual reminders when it's time to take a dose
- Ideal for those with low vision or hearing
- Can be programmed and monitored through the secure online portal
Would you like to learn more about the easy-to-use SafetyChoiceⓇ MedMinder? Contact us to schedule a consultation with one of our specialists. We will help you compare your options and decide on the right medication management product for your lifestyle.


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Jan. 2, 2018
Delta flew 242 days without a flight cancellation across its global mainline operation in 2017, eclipsing its 2016 record.
Jan. 9, 2017
For 241 days last year, Delta didn't cancel a mainline flight anywhere in the world, beating an industry record it set last year.
Nov. 15, 2016
Just 10 domestic mainline flights were canceled of the more than 75,000 flights operated in September.
Nov. 8, 2016
It's a feat no other airline has accomplished and comes after employees reiterated Delta's reliability commitment in a social media video series.
Oct. 19, 2016
In the third "Who We Are" video, Delta employees from across the operation tell customers "no matter what happens, I'll put you first." The video concludes a series promoted on social media channels...
Sep. 20, 2016
Delta has achieved 165 days of 100 percent mainline "completion factor" - meaning no flights were canceled - which bests the full-year record of 161 set in 2015.
Sep. 20, 2016
A new #whoweare video featuring Delta employees - along with CEO Ed Bastian - discussing the duty of earning customers' trust debuted Monday on company social media channels.
Sep. 1, 2016
COO Gil West: Employees "rallied to repair brand nick" by re-establishing industry-leading service for customers.
Aug. 29, 2016
The video, which debuted on Delta's social media accounts Monday, puts a human face on the airline's operational performance.
Aug. 19, 2016
Delta in June led the U.S. airline industry with the fewest cancellations and finished third in on-time performance among all carriers reporting to the DOT.
Delta News Hub


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To call attention to the issue of deforestation, Harrison Ford, star of the "Indiana Jones" movies, had his chest waxed on camera. "Every bit of rain forest that gets ripped out over there…really hurts us over here," he told viewers as hair was yanked from his pecs [source: AP]. Ford's public service announcement was in support of an environmental organization called Conservation International, which seeks to prevent deforestation.
So why would deforestation motivate a movie star to sacrifice chest hair?
Deforestation is the removal or destruction of large areas of forest or rainforest. Deforestation happens for many reasons, such as logging, agriculture, natural disasters, urbanization and mining. There are several ways to clear forest -- burning and clear-cutting the land are two methods. Although deforestation occurs worldwide, it's a particularly critical issue in the Amazon rainforests of Brazil. There, the tropical forests, and the species of plants and animals within them, are disappearing at an alarming rate. In December 2007, for example, experts measured Amazon destruction at more than 360 square miles (932 square kilometers) in just one month [source: BBC News].
The effects of deforestation are long lasting and devastating. Entire species of insects and animals have disappeared because of the destruction of their habitats. Deforestation can cause catastrophic flooding as well. And scientists see that deforestation has a significant effect on climate change, or global warming.
If deforestation is so destructive, then why is it even done? What's driving the destruction of forests? To learn more about the causes and effects of deforestation, as well as current conservation initiatives and solutions, keep reading.
Causes of Deforestation
For the most part, human activity is to blame for deforestation, though natural disasters do play a role. So let's take a look at how and why humans deforest areas.
Logging, or cutting down trees in a forest to harvest timber for wood, products or fuel, is a primary driver of deforestation. Logging affects the environment in several ways. Since trucks and large equipment need to get into the forest in order to access trees and transport timber, loggers must clear large areas for roadways. Selective logging -- where only the most valuable trees are felled -- doesn't help matters, as one falling tree can bring down dozens of surrounding trees and thin the forest's protective canopy [source: Butler]. The forest canopy is important to the forest's ecosystem because it houses and protects plant, animal and insect populations. It also protects the forest floor, which slows down soil erosion.
Agriculture also drives deforestaton. Farmers clear the land for crops or for cattle and often will clear acres of land using slash and burn techniques -- cutting down trees and then burning them. Migratory farmers clear a forest area and use it until the soil becomes too degraded for crops. Then they move on and clear a new patch of forest. The abandoned land, if left untouched, will eventually reforest, but it will take many, many years to return to its original state.
Hydroelectric dams are quite controversial because while they help to power communities, they also contribute to deforestation. Damming opponents believe that the building of such structures not only has a negative environmental impact, but it also opens up the area to loggers and more roads [source: Colitt]. To build a hydroelectric dam, acres of land must be flooded, which causes decomposition and release of greenhouse gases. Local people can also be displaced by dam projects, causing further deforestation when these people resettle elsewhere.
Fires, both accidental and intended, destroy acres of forest very quickly. Areas affected by logging are more susceptible to fires due to the number of dried, dead trees. Milder winters and extended warm seasons due to global warming also fuel fires. For example, certain species of beetle that usually die off each winter are now able to survive and continue feeding on trees. This feeding causes the trees to die and dry out, making them into kindling [source: Environmental Defense Fund].
Mining also results in deforestation. Digging a coal, diamond or gold mine requires the removal of all forest cover, not just for the mines but also for trucks and equipment. Recently, Venezuela denied a corporation called Crystallex permission to dig a mine because of environmental concerns [source: Walter and Bailey].
Palm oil has been receiving attention lately for its potential as a biofuel and is used in many packaged foods and beauty products. But palm oil is another cause of deforestation. Its rising prices make it more valuable, and, in response, Indonesian and Malaysian farmers destroy acres of trees to harvest it. For this reason, several countries are currently debating a ban on palm oil as a biofuel.
As cities grow larger to accommodate more people, trees are cut down to make more room for houses and roads. This urban sprawl deforestation is occurring worldwide, now that 50 percent of the world's population lives in cities [source: CNN].
So how does all this deforestation affect us both locally and globally? Read on to find out the negative effects of deforestation.
Effects of Deforestation
Scientists are finding more and more links between deforestation and global warming. The carbon footprint created by four years of deforestation is equal to the carbon footprint of every single air flight in the history of aviation up to the year 2025 [source: Kristof]. Let's break that down into simple logic: Trees absorb carbon dioxide. So fewer trees means more carbon dioxide is loose in the air. More carbon dioxide means an increased greenhouse effect, which leads to global warming. (You can read more about the greenhouse effect in What is the greenhouse effect?)
Reduced biodiversity is another deforestation concern. Rainforests, arguably the biggest victims of deforestation, cover only about 7 percent of the world's surface. However, within this 7 percent live almost half of all plant and animal species on earth. Some of these species only live in small specific areas, which makes them especially vulnerable to extinction. As the landscape changes, some plants and animals are simply unable to survive. Species from the tiniest flower to large orangutans are becoming endangered or even extinct. Biologists believe that the key to curing many diseases resides within the biology of these rare plants and animals, and preservation is crucial [source: Lindsey].
Soil erosion, while a natural process, accelerates with deforestation. Trees and plants act as a natural barrier to slow water as it runs off the land. Roots bind the soil and prevent it from washing away. The absence of vegetation causes the topsoil to erode more quickly. It's difficult for plants to grow in the less nutritious soil that remains.
Because trees release water vapor into the atmosphere, fewer trees means less rain, which disrupts the water table (or groundwater level). A lowered water table can be devastating for farmers who can't keep crops alive in such dry soil [source: USA Today].
On the other hand, deforestation can also cause flooding. Coastal vegetation lessens the impact of waves and winds associated with a storm surge. Without this vegetation, coastal villages are susceptible to damaging floods. The 2008 cyclone in Myanmar proved this fact to catastrophic effect. Scientists believe that the removal of coastal mangrove forests over the past decade caused the cyclone to hit with much more force [source: United Nations].
Deforestation also affects indigenous people, both physically and culturally. Because many indigenous people actually have no legal rights to the land on which they live, governments that want to use the forest for profit can actually "evict" them. As these populations leave the rainforest, they also leave their culture behind [source: Plotkin].
On the next page, we'll find out if damage from deforestation is reversible and check out the groups working toward a solution.
Ways to Reduce Deforestation and Repair the Damage
In December 2007, the United Nations Climate Change Conference took place in Bali, Indonesia. After 10 days of intense discussion, more than 180 countries agreed to the Bali Roadmap. The Bali Roadmap will guide participating countries in emissions reduction and intends to lead to a binding agreement at the 2009 United Nations summit in Denmark [source: Harris]. The United States and China initially did not agree to mandatory reductions, wanting countries to set their own goals, but they eventually conceded [source: USA Today].
The roadmap includes specific measures to reduce deforestation -- for tropical rainforests in particular. Many developing countries' economies rely on their forests, and they argue they should be able to use their land as they please. In response, the roadmap will investigate policies to financially reward countries who reduce their emissions by a certain percentage (the percentage has not yet been determined). Even this proposal faces controversy, however. Because those countries with the highest baseline rate of deforestation will receive the most reward credits, critics fear that many countries will rush to cut down trees in order to raise their own baseline [source: Tickell].
Besides the U.N., there also are dozens of nonprofits working to combat deforestation. A few well-known organizations include:
- Conservation International -- teaches local farmers how to maximize their existing land, rather than clear new areas
- The World Wildlife Fund -- works to shape policies and teams with communities to preserve forests
- Rainforest Action Network -- uses in-your-face advertising campaigns to call attention to the rainforests
- The Environmental Defense Fund -- champions government bills that provide financial incentive to private landowners (such as farmers) who practice land conservation
- The Sierra Club -- works to protect and restore U.S. forests
- Amazon Watch -- defends the rights of indigenous people and communities faced with industrial development
- The Nature Conservancy -- has developed several initiatives to advance conservation
Can we really save the forests? Once the trees are gone, is it possible to restore the land? Most deforested areas, if left alone, will eventually regenerate to fertile landscape. We can certainly plant more trees -- a process called reforestation. In fact, many nonprofit organizations have popped up to support reforestation. For example, Carbonfund.org currently works on reforesting areas like Nicaragua and the state of Louisiana [source: Carbonfund.org].
In the meantime, new movements in forest protection have sprung up over the years. They include:
- Eco-forestry -- where only carefully selected trees are cut down and are transported with minimal damage to the area; the forest ecosystem is preserved while commercial timber extraction is still permitted
- Green business -- focuses on recycled paper and wood products, wood alternatives and environmentally responsible consumerism
- Land use planning -- advocates environmentally friendly development techniques, such as reduction of urban and suburban sprawl
- Community forestry -- where concerned citizens come together to manage and participate in keeping their local forests viable and sustainable
[source: Forests.org]
For more information on deforestation and related topics, investigate the links on the next page.
Related HowStuffWorks Articles
More Great Links
- Associated Press. "Ouch! Harrison Ford Waxes Chest To Make a Point." May 20, 2008. (May 20, 2008) http://ap.google.com/article/ALeqM5iEHCPWfisNFJ-UBa2khwNGpFt3VQD90PMR6G0
- BBC. "Brazil Amazon deforestation soars." Jan. 24, 2008. (May 20, 2008) http://news.bbc.co.uk/2/hi/americas/7206165.stm
- BBC. "Deforestation and the Greenhouse Effect." March 4, 2008. (May 27, 2008) http://www.bbc.co.uk/dna/h2g2/A3556848
- Butler, Rhett A. "An interview with ethnobotanist Dr. Mark Plotkin." Mongabay.com. Oct 31, 2006. (May 27, 2008) http://news.mongabay.com/2006/1031-interview_plotkin.html
- Butler, Rhett A. "Logging." Tropical Rainforests: Imperiled Riches - Threatened Rainforests. Jan 9, 2006. Mongabay.com. (May 20, 2008) http://rainforests.mongabay.com/0807.htm
- Carbonfund.org. "Reforestation." 2008. (May 28, 2008) http://www.carbonfund.org/
- CNN. "Satellite images show effects of urban sprawl." Feb. 21, 2000. (May 21, 2008) http://archives.cnn.com/2000/NATURE/02/21/sprawl.space.01/index.html
- Colitt, Raymond. "Brazil Indians, activists protest over Amazon dam." Reuters. May 21, 2008. (May 20, 2008) http://www.reuters.com/article/americasCrisis/idUSN21415214
- Dangerfield, Whitney. "The Mystery of Easter Island." Smithsonian.com. April 1, 2007. (May 28, 2008) http://www.smithsonianmag.com/people-places/The_Mystery_of_Easter_Island.html?c=y&page=1
- Environmental Defense Fund. "Wildfires on the Rise with Global Warming." July 11, 2007. (May 21, 2008) http://www.edf.org/article.cfm?contentID=6559
- Food and Agriculture Organization of the United Nations. "Global Forest Resources Assessment 2005." 2005. (May 20, 2008) http://www.fao.org/forestry/foris/data/fra2005/kf/common/GlobalForestA4-ENsmall.pdf
- Food and Agriculture Organization of the United Nations. "Intact mangroves could have reduced Nargis damage." May 15, 2008. (May 27, 2008) http://www.fao.org/newsroom/en/news/2008/1000839/index.html
- Forest Protection Portal. "Ecological Science Based Forest Preservation & Conservation Advocacy." 2008. (May 28, 2008) http://forests.org/
- Harris, Richard. "Climate Roadmap Emerges from Grueling Bali Talks." NPR. Dec. 15, 2007. (May 28, 2008) http://www.npr.org/templates/story/story.php?storyId=17283018
- Kristof, Nicholas D. "Can We Be as Smart as Bats?" New York Times. May 1, 2008. (May 27, 2008) http://www.nytimes.com/2008/05/01/opinion/01kristof.html
- Lindsey, Rebecca. "Tropical Deforestation." NASA. March 30, 2007. (May 27, 2008) http://earthobservatory.nasa.gov/Library/Deforestation/
- Matthew, Walter and Bailey, Stewart. "Crystallex's Planned Mine Won't Get Venezuela Permit." Bloomberg.com. May 15, 2008. (May 21, 2008) http://www.bloomberg.com/apps/news?pid=20601082&sid=aoJSh9cbsIKI&refer=canada
- Pomeranz, Ken and Wong, Bin. "China and Europe: 1780-1937." Columbia University. 2004. (May 27, 2008) http://afe.easia.columbia.edu/chinawh/web/s6/s6_2.html
- Rosenthal, Elizabeth. "Once a Dream Fuel, Palm Oil May Be an Eco-Nightmare." New York Times. Jan. 31, 2007. (May 21, 2008) http://www.nytimes.com/2007/01/31/business/worldbusiness/31biofuel.html
- Science Daily. "Tropical Reforestation Aided By Bats." April 28, 2008. (May 28, 2008) http://www.sciencedaily.com/releases/2008/04/080428124235.htm
- Tickell, Oliver. "Bail - The Key Issues." The Bali Roadmap. Nov. 28, 2007. (May 28, 2008) http://www.baliroadmap.org.uk/page13.html
- USA Today. "Deforestation exacerbates Haiti floods." Sept. 23, 2004. (May 27, 2008) http://www.usatoday.com/weather/hurricane/2004-09-23-haiti-deforest_x.htm
- USA Today. "U.S., China resist caps on global gases." Dec. 17, 2007. (June 4, 2008) http://www.usatoday.com/weather/climate/2007-12-09-china-gas-cap_N.htm
- World Wildlife Federation. "Climate change a threat to Amazon rainforest, warns WWF." March 22, 2006. (May 21, 2008) http://www.panda.org/about_wwf/where_we_work/latin_america_and_caribbean/country/peru/index.cfm?uNewsID=64220


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text:
so, here's the dealio
for a little anniversary get-a-way
and it was uh-maw-zing
but what it made it so great
was making a couple of new friends
{hi janean and monica!}
at the swim-up bar
who just happened to be on a
committee for the Houston Rodeo.
committee for the Houston Rodeo.
we kept in touch through facebook
{i love social networking!}
and when it came Rodeo time
they asked if we'd like some prime-time, cheapie tickets
for any of the nights
uhhh YES PLEASE!
and while checking out the entertainment line-up
because Reba McEntire was playing!
i tried not to get my hopes up
i mean, what were the chances?
but the stars aligned and we got.the.hook.up
|maybe not front row, but dang sure cheaper!
|who doesn't love a good photobomb
|singing Fancy
|blurry, but those two ladies made the night into awesome
despite it raining cats and dogs
we had a wonderful time
i got to see my aunt, uncle & cousins
{thanks again for keeping lillie!}
and we were snuck into member-only clubs
on the rodeo grounds
by these two amazing ladies!
|Janean & Monica
so, thanks ladies for making this little country girl's dream come true!
we can't wait to do it again
and maybe this time
we won't get our knees bruised from sliding across the dance floor.
oh, who am i kidding?! you know we will!


text:
Notice: On April 23, 2014, Statalist moved from an email list to a forum, based at statalist.org.
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st: xtcsd, pesaran quitting because of not enough common observations across panel
Christian Wagener <email@example.com>
st: xtcsd, pesaran quitting because of not enough common observations across panel
Tue, 27 Apr 2010 13:32:50 +0200
Dear Stata-Users,
using Stata 11, I am running a fixed-effect-regression on a highly
unbalanced panel data set with e.g. the following commands:
xtreg servr logempl, fe robust
After that, I would like to test for cross-sectional dependence using
the "xtcsd, pesaran" command (obtained from -ssc desc xtcsd-).
Although Pesaran's statistic seems to be able "to handle balanced and
unbalanced panels" (xtcsd help), my data seems to be too unbalanced to
work with it, since I am getting the error message:
"Error: The panel is highly unbalanced.
Not enough common observations across panel to perform Pesaran's test.
insufficient observations
The dataset contains 1005 companies x 21 years of possible data =
21,105 rows. Due to firms starting up later than the starting year or
going bankrupt, the panel is highly unbalanced and the number of
observations used for the regression drops to 12206.
Are there any workarounds to test for cross-sectional dependence in
such a setting or does that question the use of this dataset in
Please excuse if I have forgotten any necessary information.
Thank you for your advice, best regards
* For searches and help try:
* http://www.stata.com/help.cgi?search
* http://www.stata.com/support/statalist/faq
* http://www.ats.ucla.edu/stat/stata/


text:
Post # 1
- arsing89
- 6 years ago
- Wedding: August 2015
I'm currently reading Suspicion Nation by Lisa Bloom. She was on Dr. Phil last week with one of the jurors from the George Zimmerman trial, which the book is about, and I decided to pick it up. I'm only about 25 pages into it, but so far it is pretty good.Seeing as she is a legal analyst, I'm interested to see what her thoughts on the trial are.


text:
It has been yet another successful season for the MK City Lions U16's team. One that has seen them reach the County Cup Semi-Finals and win the League Cup and League Double.
This is no small part down to the dedication of each player, parent and staff involved in the team, each subsequently working hard to achieve the goal of developing with continued success. It has seen trials and tribulations throughout with the usual changing of the guard; players leaving; players coming in; coaching changes, all for the eventual good of the team, having learned valuable lessons along the way. With lots of things to distract the young team this year in an important year of their lives off of the pitch, the players should take great pride in how well they have developed, to have come back for adversity to win what was at their disposal in the last two games of the season, against a tough Waterhall Stars U16's side.
The continued success of the young MK side is a great sentiment to the work put in by manager Steve Farmborough and the players and people around him.
This begs the question: what next for such a talented group of young men? Well after the recent successes, it's time to turn their attention to the next project that will best meet the player's needs for a challenge and propel them into the highest level they can likely achieve. With that in mind an announcement will be made in the coming weeks to end all doubts.
Steve himself saying:
Hopefully the decision will reflect our seriousness in regards to keeping most of our players together to take them further through their development. Some will make their own decisions to take different paths, however that is football, we are looking to keep progressing as much as possible as a team and will sit down to discuss the appropriate steps in making this happen.


text:
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Public games offer text and phrase chat. Private games offer voice, text, and phrase chat.
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Player accounts with achievements, friends list, packs, and in-game messaging.
Plus all of the great gameplay of the original Wolfquest: hunting elk, meeting stranger wolves, finding a mate, establishing a territory, and raising pups.
Read the manual
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Why are we charging for the new version?
Ten years ago,
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However, interest in the game remained strong, so we gave it a much-needed overhaul and expansion and released WolfQuest 2.7 in 2015. Now
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Learn about the
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text:
// October 15th, 2008 // Blog
My mother used to say:
(And sometimes she still does)
The heart is like a china plate;
Once broken,
It can be glued back together,
But the cracks will always show.
A girl,
Runs madly,
Back and forth,
Back and forth,
Back and forth.
Eyes forever staring upwards.
Her hands reach out towards five, tall poles,
Each with a single china plate
balanced on top.
"Must keep spinning…
"Must keep spinning",
She quietly mutters
Under her breath.
She tries.
She tires.
Her hands become clumsy.
China plates begin to fall.
Why did she never think
To put them away?
These once beautiful china plates,
Belonged in a beautiful china cabinet.
To be displayed,
And never touched.
Only to be brought out
For the most special of company.
Too late now for tears.
Too many plates.
Too many pieces.
Too many broken hearts.
Not enough glue.
And broken they shall remain.
7 Responses to "Broken"
This is a beautiful poem, showing how we sometimes bring out our hearts in our eagerness to share them, because we know our hearts are precious, and we want our loved ones to hold them gently.
I like how you alluded to our tendency to keep trying and trying, even when we know our hearts are about to get broken, and yes, they can be mended, but the cracks show.
Marahm said it best.
Marahm… I just KNEW you'd comment on my poem, and just, ah – get it so completely! {smiles}
Chin up, Organica.
Nice poem… maybe if we put them in a new light, the cracks will no longer be visible. It's always worth a shot.
Farzeen offers hope. I like the idea. As a matter of fact, I've done exactly that once or twice– put the cracks in another light– and sure enough, they fell into shadow.
For someone who's only just decided to take her own china plate out and let someone look at it, this poem terrifies me… but maybe that's the real defintion of courage and selflessness: to risk getting your heart get broken, in order to share what you have.
I don't know why, but this poem scares me a little.
But it's written so beautifully, maybe I've jsut misunderstood it a little.
*ponders on the words once again*
I'll get there, inshallah.


text:
Psychosomatic Love
It's like summer knocking at the door, almost and already, and here we come with visuals we'd rather feel to be a wintery mood? Nostalgia of november nights? Not really, not this way. After all, last week was as cold as late fall and we're just starting getting used to spring's sunny sweetness. The thing is this story from Grey we love so much reminds us of past trips, all of them during autumn or winter except for two times ten days in Berlin and Paris for Couture week with temperatures climbing up to fourty, Celsius. New York, Bucharest, Warsaw, Riga etc. everything else happened when nights get really long and traveling became slightly synonymous with early dusks and leather coats. Another kind of delight, right?
Today's weather is more likely to push us outside and have a fresh beer in centre town than keep us locked in a hotel room to enjoy the quiet heat with a bottle of Jack and a few drunk friends coming from all around the world. Though we can't help loving this Psycho Chic, the story by Alexandra Carr (would be reason number one) starring a charismatic Renata Guerra (reason number one and a half). Plenty of neons, zero percent sunshine, streetlights in the evening, small shops, East Village – echoing memories of ours from November or February in NYC (the latter was rather soft-weathered, though). The small text from Grey may contain the last word: besides claiming that ''style needs no alibi'', it's stated that ''a little insanity never hurts anyone''. Might be it, might be our little insane moment mixing gut instinct with eye-crush with irreverent aesthetic postulate on timeless elegance never looking as good as when twisted a bit.


text:
After looking all over the internet for any new information on the CT&T Multiple Amphibious Vehicle, there has been nothing new for several years. That's a shame because the Korean electric automaker (CT&T) showed a promising concept, that looked production ready, at the 2010 Detroit Auto Show.
Had it been built, the CT&T Multiple Amphibious Vehicle would have had a range of 70 miles, a top speed of around 40 mph on land and about 10 mph on the water.
CT& T is still in the electric automotive business, but they build electric delivery vehicles and golf carts.


text: I have always worked across the full range of media. Even at University I was writing stories for the Times diary, editing student newspapers and magazines and founding poetry sheets. Printers' bills are in my blood, so to speak. Professionally my careers in print, radio, television, publishing, video training, audio tapes, books, PR marketing and media relations have provided balance to my many hours of work in the therapy room. Performing in the media made me a better listener in the consulting room – and vice versa.


text:
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