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Wind has started to blow from the right direction…
in regards to bank overdraft fees. I am keeping my eye on the developments and this is good article to get the latest.
in regards to bank overdraft fees. I am keeping my eye on the developments and this is good article to get the latest.
I am so glad to report that with credit card reform underway banks are modifying their overdraft free structure as well. As you remember, we have talked about overdraft fees before – how unfair and sneaky these can be. Now some big banks are taking a new look how these fees are applied and how they affect people. And they are taking action in the right direction.
Bank of America will be implementing new rule, where you can opt-out** from overdraft protection all together. This means that you will have to go to your branch of Bank of America and request opt-out from overdraft and after that when you use your ATM card and you do not have enough money, the purchase will be denied but you will not be charged $ 35.oo fee either. If you have not opted out, as long as your overage is less than $ 10.00, you will not be charged any fees, as long as you pay the bank back with in 5 days and get your balance back to positive.
JP Morgan Chase & Co is also going to reform their overdraft fees but no details are available at this time. If you are concerned about how your bank is currently handling overdraft fees, read the article linked to educate yourself more on the current trends, then call your bank and ask what is their current overdraft policy, what changes, if any, are coming and request them to make overdraft fees more customer friendly. Make sure you understand whether your bank is opt-in* or opt-out in regards to overdraft fees and make necessary changes to your account based on your own preferences.
Next we will be talking about smart travel, how to decide what mode of transportation is best to your destination, how to find best deals on airfare and more. Post a question, if you want to know something specific
For more information on overdraft fee overhaul in some bigger banks click here.
*opt-in – when you specifically request to be included in the program
**opt-out – when you are automatically enrolled in the program and have to specifically request to be removed from the program.
If you want to have money left over for what you want, you need a budget.
For many people, budget seems like a boring school math assignment. In reality, it is your key to be able to enjoy your life to the fullest. If you have a budget, and you track your expenses, you will have more money left over for fun stuff than if you do not. Lets look how to come up with a budget the easiest and simplest way:
Why do I mention retirement savings to young people? Because the earlier you start, the less per month you need to put aside to get the same end result. Simple example; if you start putting $ 100 aside each month when you are 25 years old and this money earns 5% a year, by the time you are 65, you will have $ 152,000 dollars. To get the same result, you would need to save $ 200 a month if you started as a 35 year old, and $ 400 a month if you started age 45. If you put away $ 400 a month since 25 years old, you would have a cool $ 600,000 in your account by the time you are 65. If you started as a 45 year old, you would need to put aside almost $ 1500 per month to get the same result. Think about it. I hope my long, convoluted example has made my point – start retirement savings when you are young.
If after the exercise of coming up with your budget, there is not enough money for all the fun stuff you want to do and get, you have two options:
In the end, you will be successful only if you follow your budget and your actual spending month to month and make it a habit.
Until the Regulation E has been approved (see discussion here) and we know exactly how it is going to protect the consumer, high overdraft fees are the fact of life. If you are hit with those fees frequently while using your ATM card, then you are a good prospect for prepaid credit card.
There are many of those out there, so be careful and read the fine print so that the one you pick does NOT charge an overdraft fee. The one that we are familiar with and can suggest is WalMart MoneyCard. It does come with some fees but Walmart lowered the fees significantly recently in light of financial troubles in our economy. To get you started takes $ 3.00. To add money can be free (if you get your payroll sent there) or cost you another $ 3.00 at WalMart. It might sound a lot, but you need to add money more than 10 times a month to reach even one overdraft fee.
MoneyCard Visa/MC works like a regular credit card, except you spend money that you have and have put in there, rather than the money you might not have and borrow from a bank.
MoneyCard Visa/MC will also help with staying within your budget (We will talk more about budgets next week). By adding a set amount to your card weekly or semi-weekly, what ever works best for you, will help you to stay within your spending target. You can get your day end balance sent to your e-mail or cell phone for free and that helps to keep track of your spending and how much you have left until next infusion of money.
Here is a list of thing what not to do with your WalMart MoneyCard:
Stop paying banks your hard earned money as overdraft fees, start using prepared credit card instead. If you have experience with other prepaid cards, good or bad, please share, so others can learn from your experience.
Incidentally we heard back from Senator Nelson and in his letter he noted that good place to get additional help with issues with banks is your own state representatives. This suggestion fits very well with yesterday's Supreme Court decision that states can apply some of their own laws to big national banks operating within their borders. This a decision was called by proponents a huge win for consumers and for states seeking more power to regulate financial activities. Read more here.
It will be interesting to see if the now defunct states usury limit laws will start to be applied again. Read more about the usury law and where your state stands.
Stay tuned about this exciting new development.
there are many more things to take into account than how much car payment a month I can afford. First, lets look at the list of expenses you will have after you buy a car:
Before you can figure out what your car payment can/should be, you need to figure out what the rest of the list will cost you and then you will know how much is left over for the car itself.
Insurance is easy. There are many sites on WWW that give you instant quotes. Just google "cheap car insurance" and you will get a list of them.
For gas, you need to estimate how many miles you drive a day, a week, a month. Then look up the gas mileage of the car you are planning to buy and what the current gas prices are. Multiply monthly mileage with gas price and you will have an estimate, how much the gas will cost you. Keep in mind that many European and Japanese cars require higher grade gas. It is more expensive, so make sure you know the type of gas as well.
The last two items on the list are little harder to estimate. Again, first look up on google "*your car model* + problems" and see other people's experience with your car. If many people are complaining about reliability, you might be better of looking for a different model. Else, depending on the age of your car and location where you live, it would be good idea to have at least $ 500.00 – $ 1000.00 of emergency fund for larger scale repairs. Keep in mind that fixing a transmission can easily cost $ 2000.00 or even $ 3000.00, so my suggestion is actually on the low side.
Based on your monthly mileage traveled, you can estimate how often you need to change the oil, when the belts might need to be changed and when do you need new tires. The cost of all those are readily available too. Figure about $ 20.00 for oil change for a regular car (if you are looking for luxury or performance car, that can be many times more expensive) $ 75 per tire ( and you need at least two at the time).
Adding up all those figures will give you a good idea what car ownership will actually cost you and how much monthly car payment can you actually afford.
Good luck and have fun (responsibly) with your new car.
unless it is your ATM card issuing bank one and you are 100% sure that you will not be charged any fees for withdrawing money or for any other activity that you needed to do. Sometimes just checking your balance can cost you, so make sure you know all the fees that bank can charge you when using ATM machines ahead of time.
Here is a typical scenario – you need $ 20 or $ 40 cash in your pocket. You go to the closest ATM machine (not your own bank) and you pay $2.00 for the ATM machine owner and $ 2.00 for your own bank for the privilege of getting your own $ 20.00. That is $ 4.00 dollars to get $ 20.00. This is a 20% fee. This is like paying $ 20.00 to get $ 100.00. You get the picture?
So what should you do, if you need $ 20.00 or $ 40.00 cash. There are two prudent ways to do so:
There are smart and not so smart ways to get your money out of the bank. Choose the smart way and do not pay unnecessary fees, your hard earned money, to the bank.
We have heard back from Federal Reserve regarding the letter published in "What to do when bank is being unfair – part II". The encouraging news is that feds are well aware of the problems pointed out in the letter and are working on righting the wrong. Here are the highlights of the reply:
Copy of the letter is attached. Current timeline, when the final proposal is going to be published and the new regulations become effective, is not know. We will keep you informed.
Quick update to folks who have been following this saga. No official word from Navy Federal but the last statement shows that $ 200.00 of reversed fees were applied to the account.
At least some justice is being done and squeaky wheel does get attention.
As mentioned in the previous post, the letter there was being sent to House Financial Services Committee; United States Senate Committee on Banking, Housing and Urban Affairs; Federal Reserve; Senator Nelson; Senator Martinez; Congressman Buchanan and President Obama.
Here is the text of that letter:
Mr. Chairman, Senator, Congressman, President
I am writing to you because in our current economic situation big banks, big auto, and even homeowners are being bailed out by the government. However, the working poor, including our enlisted military men and women, are allowed to be fleeced by the very same big businesses that are being rescued by the taxpayer's money.
My son has experienced these problems first hand: I have enclosed a letter that I sent to my son's financial institution, Navy Federal. I hope that their CEO is going to resolve the issues we have with this institution, but I know that many more people in the military are dealing with the same issues. In order to stop the systematic swindling of our brave men and women, I propose that we enact new legislation that aims to keep taxpayer funded banks from creating more suffering for our soldiers.
The following is a list of problems and the legislation that could solve them.
· Financial institutions charge exorbitant amounts when checking account holder goes to negative balance while using debit cards as charge cards.
· Currently it is more beneficial for the financial institution to allow many small charges that result negative balance than to monitor accounts and refuse charges that would result in negative balance, because each charge carries a hefty reward for the bank.
· Military credit unions have additional protection against risk of non-payment of those negative balances and additional punitive charges, as they, most of the time, have military payrolls automatically transferred to the accounts. They know the dates that the payrolls are processed and they will take the negative amounts from the payroll before the account holder gets access to the funds.
· Military Credit Unions have an additional benefit in current economical situation, as the military is guaranteed employment, so no worries that someone may loose their job next month and cannot pay their overdraft fees.
· Take away incentives to allow debit card charges that result account balance to go negative.
· The technology exists that would allow the financial institution to keep track of account balances in real time so no negative balances never occur, as evidenced by Walmart Visa for example.
· The fees charged for the negative balance, if they happen, should be in proportion to the negative balance. The John Warner National Defense Authorization Act (Also referred to as the Talent Amendment, Public Law 109-364) allows maximum annual interest rate not to exceed 36% for active military. This is good starting point for calculating the maximum fees.
· Many transactions between financial institutions are done as ACH transactions now a days. Customers have no clear understanding what are the responsibilities of either financial institution. This can and has created undo hardship for the end customer, the checking account holder.
· Have clear and equitable rules for ACH transactions, that both banks and credit unions are required to abide by and disclose to their customers.
· There should be maximum number of days that can pass between the transaction initiation date and completion date by the receiving financial institution (the one that pays out the money). Especially for military personnel, who is often on the field and does not have access to monitor what charges have cleared and what not, knowing what is the maximum amount of time that ACH transaction must be completed is mandatory. ACH transactions are done by computers, so there are no reasonable reasons why they should take weeks to reach the credit union.
· If ACH transaction cannot be completed because of insufficient funds, the fees/penalties should be proportional to debit. I consider charging 500% fee cruel and unusual punishment, illegal by our Constitution.
· There should be a law that spells out how many times the same ACH transaction can be re-requested if previous attempts were unsuccessful because of insufficient funds. At least I was told by Navy Federal, that there is no such limit and each request is considered as a separate request and would incur an insufficient funds return fee. So in principle, a financial institution could request the same $ 5.00 amount one hundred times and the account holder would be charged $ 2,500.00 returned check fee by Navy Federal.
People with limited means, busy defending our freedom, should not be cash cows for any financial institution. Today they are. The fees that they are charged should be fair and in proportion to the services provided. I urge you to end this monumental injustice soon.
Thank you very much,
Proud mom of US Marine


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He's A Natural! Kailyn Lowry's Son Makes On-Camera Debut Days After Birth
Miz Lowry welcomed her third youngster back on August 5 after a somewhat dramatic pregnancy . Teen Mom 2 star Kailyn Lowry , 25, has given birth to her third child! While Lowry's current relationship to Lopez is unclear, the reality personality seemed to be in good spirits, sharing snaps from her Caribbean vacation in St.
Life&Culture - All News
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Love Island's favourite power couple are getting their own showAnd although the broadcaster has only commissioned a two-part series for Kem and Chris there is always potential for it to be extended if it proves incredibly popular. Chris and Liv will announce the winning couple in a week's time. But Olivia later took to Twitter to rubbish suggestions that she'd headed home with footballer Bradley, 23.
Reasons Why casts seven new actors for recurring roles in season 2After the phenomenon that is 13 Reasons Why swept our screens, many are waiting in eager anticipation for season two (and devouring any new information about it). Miller is best known as the female lead in Syfy's Incorporated from executive producers Matt Damon and Ben Affleck . Ben Lawson as Rick: Liberty High's beloved baseball coach.
I always hurt people's ego, says Kangana RanautThe actress went on to say: "This is unfortunate that in every step of my life I had to fight for my right". The rebel went on to say how things have always been hard for her, and she had to fight each time even for the smallest of things, but that's an innate part of her life and she has made "peace" with it.
Milla Jovovich Will Play the Blood Queen in the new 'Hellboy' FilmAnd considering the film was originally subtitled " Rise of the Blood Queen ", it's safe to say it's a pretty significant role. While the actress has always been on the side of the good and righteous as part of the Resident Evil franchise, now that the series has concluded, it looks like she is switching sides and going for the bad, as the villain known as the Blood Queen.
Asean and China adopt CoC frameworkChina saw Vietnam as pushing for that language to be included in the statement, they said. Deputy Prime Minister and Foreign Minister Pham Binh Minh has stressed the need for ASEAN 3 (ASEAN and China, the Republic of Korea and Japan), the East Asia Summit (EAS) and the ASEAN Regional Forum (ARF) to promote cooperation on the basis of ensuring ASEAN's central role.
The trailer for the next Game of thrones episode is absolutely breathtakingJon agrees with Tyrion , telling her , in short, to do nothing with the dragons: Raining fire upon the residents of King's Landing makes her just another brutal ruler hell-bent on absolute power no matter the human cost. After wrong-footing Daenery Targaryen's army of Unsullied, he and his troops effectively strolled into the Tyrell stronghold of Highgarden, a battle so lopsided the show didn't even bother to show it.
Lane detectives find missing Washington County woman in RoseburgThe employee, deputies said, told the family that a man came through the drive-up lane about 8 p.m. Saturday night with the phone, saying he found it in a nearby parking lot and asking whether Dairy Queen had a lost and found. She was attending the Landmark Worldwide Forum at the Embassy Suites Hotel in Portland over the weekend. Family members distributed fliers Tuesday to businesses and customers near the Mobil gas station in Cottage Grove, where Helenius' vehicle was found Monday, ...
'Game of Thrones' *Miiiiiiight* Have Just Killed Off a Very Major CharacterThe sooner the Lannisters fall and Cersei suffers an appropriately bad death, Dany and Jon Snow can properly join forces and set their sights on the Night King's army to the north. Shakman: I think both. He couldn't take her to wife, and he wouldn't abandon his vows. The conversation grows more intimate as the two talk. Why put so much time - and in particular, camera time - on that dagger as it transitions from one person to the next? Davos has been kind and level-headed from day ...
Woody Allen's Next Project to Star Selena Gomez, Elle FanningPast year marked Allen's first collaboration with Amazon Studios, which acquired and released Café Society . Stay tuned to The IBang for more details about the mysterious new project as they come out. Allen's films are notoriously secretive affairs. Fanning starred in Nicolas Wind Refn's conspiracy of fame hallucination The Neon Demon , and had a key featured part in Sofia Coppola's The Beguiled .
Elon Musk: Amber Heard and I 'are still friends'Maybe it's not over for these two kids. The creator of electric vehicle giant Tesla and private space company SpaceX, he was spotted with Heard in Australia in April where she is filming the £100 million superhero movie Aquaman and was said to have put his private jet at her disposal.

subset: commoncrawl


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Step 1Heat the oil in a 12-inch skillet over medium-high heat. Add the celery, onion and carrots and cook until the onion is translucent, about 2 to 3 minutes. Add the garlic and bay leaves and cook 2 minutes more. Add 2 cups of chicken stock, the cayenne pepper, oregano, Madras and Indian curry powders, curry paste, potatoes and garbanzo beans. Stir to combine well. At this point, the stock should cover 3/4 of the mixture; if necessary, add more stock. Season with salt and pepper to taste.
Step 2Heat the remaining stock in a saucepan over medium-low heat.
Step 3Add 1/4 cup of parsley to the skillet. Bring the stew to a boil, reduce the heat and simmer, covered, until the vegetables are soft, 45 minutes to 1 hour. As the stock evaporates, add 1/2 cup warm stock to the stew at a time, as though making a risotto. The stew will thicken as it cooks.
Step 4Just before serving, stir in the remaining parsley. Transfer the stew to a warm tureen or bowl to serve.


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I recently was asked by a global client in the mining industry for advice on the company's plans to introduce a new variable compensation system for employees related to safety performance.
The company's previous bonus system only was connected to their lost time injuries (LTI) performance, which presents two potential drawbacks for organizations that have not yet reached safety performance maturity. First, when a bonus system entirely is based on LTI, or other lagging indicators, it can discourage reporting or make people come to work when they should stay at home. The second problem with basing rewards on LTIs is that it often does not result in any action, simply because people fail to see how it translates into their daily routines.
The mining company realized it needed to use a balanced mix of leading and lagging indicators. The new system that I reviewed included a combination of both. The main lagging indicator for the company was still LTI, and zero LTIs was the condition sine qua non for employees to be eligible for the bonus system. The bonus amount, though, was dependent on several leading indicators, such as:
- 5S performance
- Execution of safety action plans
- Organization of safety briefings
- Reporting of near misses
- Execution of safety audits
Making the most of KPIs Through an Integrated Performance Management System
These key performance indicators (KPIs) look good at first sight, but let's examine performance management and what it is meant to achieve. The old saying, "What interests my boss, fascinates me," is, of course, still valid. But a strong performance management system consists of much more than simply producing a long list of KPIs.
The fundamental elements of performance management are:
Strategy/KPIs/visual management
Regular performance dialogues
Structured problem solving
It all starts with defining your vision and strategy; not at a high level, but at a more tangible one. This allows everyone in the organization to make the right choices on a daily basis.
How often do we see a vision statement on a company's lobby wall that could easily apply to any other? "We want to be the safest, highest quality, lowest cost producer of _______ while providng our customers with world-class service and innovation."
It is essential to take a step back and rethink your actual strategy. In what specific areas do you really need to excel, and in which can you accept parity? A clear, prioritized strategy enables an organization to push decisions to the lowest possible level, enabling people at that level to understand the ultimate priorities.
Once a clear strategy is established, it needs to be translated into meaningful KPIs for every level of the organization. A high-level KPI, such as LTI, will not do the trick. Organizations need to think about how it can be captured into one or more meaningful KPIs that are tangible on the shop floor. Seen from that angle, the new list of leading indicators proposed by the mining company already is much more meaningful than their previous focus on LTIs.
Visual display and visual management of meaningful and real-time KPIs for each department enables regular performance dialogues and helps promote a daily cross-functional review between operations, maintenance and engineering. It also can help identify topics that need to be escalated to the weekly or monthly long-term management process.
The third leg of strong performance management is problem solving at different levels. Long lists of action items, or a long backlog in maintenance departments, are all too common because often, every deviation is referred to another department, buried in a work order or placed on a project list. Highly effective problem-solving uses the capabilities of the entire organization, including the lowest level possible. This may require a change in company culture toward a more independent or interdependent organization, so that operators, mechanics, lab technicians and customer service representatives not only feel permitted, but encouraged, to solve the majority of problems themselves, right away.
Many operators know their process and equipment so well that they can quickly identify when something deviates from the norm – companies should not ignore this familiarity, but put it to use. Of course, there always will be issues that need the involvement and expertise of different departments, but that should not be the automatic first response. This should be reserved for second-tier problem-solving that brings together the right people to solve an issue in the short term. And some more fundamental problems may need to be solved in longer-term projects, Kaizens or value accelerators, led by a project leader.
Questions to Ask Yourself when Setting KPIs
Let us go back to the initial question from this mining company: Can you advise on the leading KPIs for a bonus system? Before analyzing their five specific leading indicators, it is worth asking a few critical questions in order to find out what the organization can realistically expect to achieve:
- How would you describe the safety maturity of your organization?
- Where are you now in terms of safety culture, and where do you want to go?
- What behavior are you trying to drive with this variable compensation system?
The answers to these questions matter. If an organization is not yet "mature" in its safety performance, it will need to focus on preventing fatalities and serious incidents, as well as high-potential near misses, before introducing a KPI for other more minor near misses. With increasing maturity, the organization can select additional KPIs, as well as react to more subtle signals.
In an immature organization that is just starting with an auditing system, it probably makes sense to track quantity metrics like the execution of the number of audits. As the organization develops in maturity, quality metrics should be introduced, e.g. audit scores and actions completed on time. Once this is under control, companies can add a focus on repetitive findings, and make a connection between audit findings and actual incidents.
Keeping KPIs Fresh
At DuPont, the traditional KPIs that we have been driving – but not necessarily rewarding financially – on top of our lagging performance indicators include:
- Audit execution and results
- Execution of inspections (specifically on process safety critical processes)
- Execution of safety action plans (including upgrading procedures, systems, investments, etc.)
- Safety observations execution (and, if possible, quality of observations and closure of actions)
- Participation in safety training and safety meetings
- Execution of safety training plans (legally required and other)
- Permit deviations
- Safety perception survey results and follow-up on action items
DuPont uses the last KPI, safety perception surveys, as a tool to probe and uncover safety culture performance issues that might otherwise go unnoticed and that could adversely affect our safety performance. They offer a proven and effective solution to pinpoint the "safety conscience" within the organization and allow us to address issues proactively before an incident occurs.
DuPont also has focused on improving idea-generation, or "bottom-up innovation," by tapping into the problem-solving capabilities of the entire organization. We therefore are measuring the generation of ideas and their actual implementation. The aim, as mentioned before, is to move resolution of action items to the lowest possible level and avoid a long list of capital projects or maintenance work orders.
Another leading indicator that some of DuPont's sites introduced is a safety culture pulse check. This consists of a targeted, short list of questions asking people how they feel about EHS, how leaders are behaving and how supervisors are responding to feedback from teams. This is in addition to our more extensive safety perception survey, which takes place every other year. The pulse check was added to keep safety perception alive and occurring at regular intervals. Emphasis is placed on promoting dialogue rather than the recorded results.
The aim is to keep KPIs fresh and effective. Instead of just continuing to use the same KPIs as before, it is important to monitor performance against them. If all action items are closed, if your dashboard shows green all the time, that is the time to be suspicious, not the time to relax and be complacent. It is precisely the moment to ask yourself what is going on and whether you should be re-evaluating your KPIs and digging deeper.
Review of the Proposed Leading Indicators
As mentioned before, the right KPIs can drive the right behavior (if you include the other critical elements of a performance management system), but consequently the wrong KPIs can drive the wrong behavior.
In principle, EHS compliance and proactive behavior are a condition of employment. So it can be very tricky to reward people for behavior that is expected of them in the first place. With all this in mind, here is my response on the leading indicators that the mining company was considering:
5S – It is good to make a connection between 5S and safety, and "Sustain" in 5S indicates that it's critical to pursue this at all times. But adding it as a leading indicator connected to the bonus system might limit the process of cascading resolution of action items to lower levels of the company. Ideally, employees would be empowered to own 5S and do the checklists themselves. Incentivizing an audit of their own area with a variable compensation system might lead to a biased review.
Implementation of safety action plans – Strong follow-up and disciplined closing of action items is a clear indicator of the operational discipline and the workload in an organization. However, since most organizations do not use their first-tier problem solving capabilities very often, not many action items are assigned to the shop floor. Action items mainly will be allocated to engineers, supervisors, managers and professionals. And in that case, shop-floor employees might not be able to influence the implementation or closure of action items.
Organization of safety briefings – This clearly should be part of the job. Both organizing and attending safety briefings, trainings and toolbox meetings should be mandatory and therefore should not be rewarded monetarily.
Reporting of near misses – This is another important indicator of the cultural maturity of an organization. Mature companies want to ensure they actively are addressing near misses before actual injuries occur. They want people to be more proactive.
Sometimes when I visit a plant, I see damaged warehouse racks and protection bars, and yet there are no reports of any internal traffic incidents. Something clearly isn't adding up. Reporting of near misses is important. At the same time, it is important to have a good reflection of reality when it comes to reporting near misses without driving an excessive amount of reporting. Therefore, "quality" near misses should be reported, or only those incidents that offer critical opportunities to learn.
Another approach is to track and reward the number of safety improvement ideas generated and implemented. This could drive the same behavior with a better KPI that tracks the level of learning in your organization.
Safety audits – Auditing your safety management system is critical. But where do you set the target? Do you focus on the audit score or on the execution of the audit plan? Execution of the audit plan is a straightforward KPI that people should be able to influence.
Putting a target on the auditing scores, however, includes some potential risks. This type of KPI might put pressure on the auditors in a less mature organization. They will know that the organization's variable compensation system will depend on how strict they are (and an audit is never fully black and white). Sometimes, people have an increased understanding of what a standard really means, and they raise the bar for themselves. Sometimes, the audit score stays flat because they are looking at it with different eyes, which is what you want to encourage to constantly raise the bar.
A strong performance management system consists of several elements that need to be integrated to achieve the desired results. KPIs are just one of them. Companies can use KPIs to influence people's behavior and, in the end, organizational performance, but it is essential to carefully consider what behavior you want to drive versus what it is that your existing KPIs will actually accomplish. What could be the unintended consequences?
Although a variable compensation system directly linked to EHS KPIs can work, companies also should consider the power of reward and recognition, beyond monetary rewards. Maintaining a strong safety culture requires collaboration among the entire organization. Other recognition initiatives could consist of team awards/team events when reaching certain milestones, verbal recognition for extraordinary achievements (president's safety award, safety coins, safety medals) or team rewards for improvement ideas generation. Money isn't everything when it comes to safety performance.
Mieke Jacobs is the global practice leader for operational risk management and employee safety with DuPont Sustainable Solutions.


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There are certain, little things that I can never seem to get right. I can't spell the word 'definitely' without help from auto correct, I always put the key to my apartment in upside down, and I've never successfully poached an egg.
While I hope these read as nothing more than minor personality quirks, there are little traps I get stuck in as a marketer as well. We all have bad marketing habits that we can't seem to break and I see many of them firsthand inside of marketing automation software.
Like any other online program – once you've established a routine inside the system it's hard to branch out. Even worse, you might be ignoring complete sections, like web analytics, lead profiles, or event management, that could improve your marketing efforts.
We asked Salesfusion's, becoming Sugar Market's, Client Success team to uncover and explain some of the most prevalent marketing automation "gotchas":
- You're afraid to go beyond the basics: As you're first implementing marketing automation, it's important to not overwhelm yourself with too many features. Many users first master email campaigns and landing pages, but what if that's all you do?
- Every MA feature builds off a previous one, so you already have more skills than you think. Attend an online training class, get in touch with support for a walk through, or simply play around on your own – trial and error is an education in itself.
- You're not updating your lead scoring profiles: As you run a campaign, build a landing page, etc, check and update your lead scoring profiles accordingly. Often times, users forget about their profiles after setting them up.
- Try treating it like a health checkup. Have a monthly schedule where you reevaluate the effectiveness, add in new landing pages, or change scoring thresholds.
- You're not paying attention to data quality: As you push information into your MA system from CRM and create different field types, be consistent. Establish a company-wide rulebook for how you import data.
- For example, if one of your field types (for segmenting email recipients) is state, decide whether you're going to use abbreviations (GA) or full spellings (Georgia). Then, stick to that rule so you can successfully create targeted emails.
- You're not pushing for form completion: As marketers, one of our most important jobs is to educate leads and capture their information (email address, company, title, etc.) to give to Sales. It doesn't matter how many lead capture forms you have set up if no one is filling them out.
- Don't be afraid to guide prospects and leads to these forms – it's not overbearing, it's necessary. Offer incentives for "completing a customer profile" like a coupon or free asset.
- You don't have a clear marketing strategy: To get the most out of your MA software, map out campaigns from start to finish, including your audience and objectives. Everything should have a purpose and a detailed next step.
- After someone downloads a white paper, have Sales reach out to them. Then, continue to target efforts to that lead through nurturing. Make sure none of your campaigns are one and done.
Hey, there's a bright side – acceptance is the first step toward recovery. It's easy to get stuck in a bland routine or bad habits, even at work. Make an effort to practice a new area of your marketing automation system at least every month. You'll definitely (got it!) be amazed at how quickly you master a new skill.


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Happy Belated Birthday Wex!!
Happy birthday, dear Wexy. I hope you have a great day!
Happy Belated Birthday Wex!
Happy Birthday, you vewy Wexy boy!
Wex! Happy Birthday!!
Happy birthday!
Happy birthday, Wexy!
You better sing along https://www.youtube.com/watch?v=lgXJbJeRxHo
Happy Birthday good sir! May your gaming be glorious
Silent was here=p and Hey Wex!
Happy day of spawning!
Information here will be displayed in our roster


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16 Jul Tough stuff
Posted at 07:34h in News 0 Comments
University-Norths played out the game and were well in it before the Whites just picked it up a gear and hit the tough button to take the score from 7-12 to 33-12 at half time. They won 45-24 after giving all the reserves a run allowing Uni something of a comeback.
Fourths won 47-19, thirds lost 12-31, colts won 20-17 and seconds survived 10-9.
The Owls are a team of goers and play it to the end. The difficulty is matching the Queanbeyan pack which dominated the set pieces and at the break down. Locks Toby Wilson and Ben Leaper are hardly seen but are always at the scene. The front row is unstoppable with Chris Barbaro hitting forward and hitting often, Les Makin damaging and hooker Carl Elliot always bruising.
Again it is the back row which will draw the praise. Ryan Jones, OJ Noa and Dan Penca are supreme in this competition. Penca was prominent in a few try assists including an inside ball to fullback Robbie Coleman.
While the backs get little press their recent games have features well-constructed set plays. Winger Brendan Spears scored tries, Keith Morgan, Robbie Coleman and Josh White one each for the backline. In the middle of it all is the much maligned Billy Chalker who gets little praise for his trade work.
This was no easy game even though the score line might indicate differently. The team is made of tough stuff and have scored 26 tries in the last three weeks,14 against two teams in the running for the semi-finals.
Lock Wilson scored a try on his third attempt at the line in a couple of minutes. It was his first try this year and maybe the first in two years. Mr. Consistent is matched in the backs by Mr. Marmont.


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Websites are a lot like snowflakes; no two are exactly the same. As you review our portfolio, you'll notice diversity in the designs and the types of organizations we serve. However, every site created by LinearTech is built to be responsive and to support the budget and business goals of each individual company. Let's connect and we can begin building your identity.
Empower Taekwondo
Empower Taekwondo
Master Hama is a Taekwondo Olympic Scholarship Recipient who has won multiple international and US championships. His newly open Taekwondo Studio is located in James City:
610 Airport Rd, New Bern, NC 28560View
Crockett's Critter Care
Hana Cafe
Trained By Jane
Williams Scarborough Gray
For nearly three decades, Williams Scarborough Gray, LLP has provided New Bern and Jacksonville clients with a broad range of financial management services. They have solutions for your tax, accounting, auditing, business consulting, and personal accounting challenges.
In 2018, WSG changed their name and brand. They hired LinearTech to rebuild their website, https://wsgcpa.com/, and update their online presents.View
Advantage Lawn Care
Advantage Lawn Care chose LinearTech to design and build their new website https://advantagelawncarenc.com/.
Advantage Lawn Care, LLC is a veteran, family owned lawn care company located in New Bern, NC. They are fully insured, and provide lawn care service to all of Craven County and portions of Pamlico County.View
Gel Coat Doctor
Hana Cafe
Hana Cafe
Gel Coat Doctor
Gel Coat Doctor
Check out Gel Coat Doctor: gelcoatdoctor.com. LinearTech rebuilt their website, and implemented a new set of marketing strategies and techniques, which has been driving more customers to the business.
The Gel Coat Doctor can make your damaged, scratched, or weather worn boat have that showroom shine again. The Doctor is a fiberglass specialist who removes annoying spider cracks, restores and repairs dents, dings, and chips – even in flake metal finishes, and has an artist's eye for color matching.
Gel Coat Doctor makes insurance claims simple and woks with all insurance companies.View
Jayne McGinn Designs
In the summer of 2018, Jayne has trusted LinearTech with rebuilding her business website. Just like everything she designs, Jayne notices every detail of the website: appearance and functionality. After working closely with her for many hours – happy hours, we finally launched this perfect WordPress website – elegant, fully custom, and responsive for all devices.
Read more: https://lineartech.us/congrats-to-jayne-mcginn-designs/View
Jillian Raymond
WordPress website rebuilt (Mar 2018) with event calendar, Mailchimp integration, and shopping cart.
Jilliana Raymond is a highly acclaimed and gifted best-selling author, speaker, and spiritual counselor. Jilliana has been introducing individuals to the spiritual stewards who watch over us through her writing and teaching for over 20 years.
Check out the secured event sign up eCommerce page: https://jillianaraymond.com/events/ and the new Blog page.
You can also join Jill's news letter Email list.View
The E. A. Wood Law Firm
Please join LinearTech to congratulate the new establishment of E.A. Wood Law Firm, by Elizabeth A. Wood.
In March 2018, LinearTech built the responsive, secured, and high-performance WordPress website for eawoodlaw.com.
The E.A. Wood Law Firm Was Created To: Protect your American Dream, Defend your Rights and Preserve your Legacy.
This law firm focuses on Immigration, Social Security Disability Insurance, Legacy Planning, and Family Law. and they are a multi-language law firm, speaking, Spanish, Italian, Portuguese, and French.
Please visit their website to learn more about The E.A. Wood Law Firm and Elizabeth.
Greenville Chinese School
Responsive WordPress website for Sunday Chinese School in Greenville, NC.View
Sakura Asian Express
Logo Design for Eastern Asian restaurant in Greenville, NC
Sam Margulies
Sam Margulies, Ph.D., J.D. is one of the most experienced divorce mediators in the US. He also provides divorce coaching to individuals before and during the process. His expertise helps divorcing couples negotiate fair settlements and leads families to healthy and beneficial outcomes.
In June 2017 LinearTech rebuilt Sam's website in WordPress, and has been maintaining and improving it's SEO since then. https://sammargulies.comView
Sakura Asian Express
LinearTech created this responsive WordPress website to present their delicious and color menu on the Internet – https://sakuraasianexpress.com/. Check out this interactive menu: https://sakuraasianexpress.com/menu/.View
Paradise Dental
LinearTech designed and built this responsive WordPress website for Paradise Dental, a cosmetic and family dentistry in Morehead City, NC.View
New Bern Breakfast Rotary Club
With LinearTech's help, New Bern Breakfast Rotary Club got a new website – created with WordPress, responsive, and secured with HTTPS: https://newbernrotary.org/View
New Bern Art Exhibit
Check out this new responsive eCommerce website designed and built by LinearTech – http://
New Bern Art Exhibit promotes biblical art created by Egbert Modderman from the Netherlands, and the stories behind the paintings.
New Focus Consulting & Coaching
Lori Ann is a life coach and the CEO of her own life. She works with both groups and individuals, coaching them to harness their strength and find fulfillment.
In 2015, LinearTech designed and built this responsive WordPress website for her new business: New Focus Consulting & Coaching.View
Cravin' Wine
Cravin' Wine wants to bring you the story behind the sip. Check out this wine shop in New Bern, North Carolina.View
Wall sign design and printing (3 feet x 3 feet) for for Eastern Asian restaurant in Raleigh, NC
Dine-in menu Design for Eastern Asian restaurant in Raleigh, NC
Business Cards and Flyer Design for Eastern Asian restaurant in Raleigh, NC
Dalat Asia Grandma's Kitchen
Logo Design for Eastern Asian restaurant in Raleigh, NC
One Million Goal
Responsive WordPress website design and development for One Million Goal.
One Million Goal, Inc. is a foundation devoted to raising money and awareness to help those in need.
Garret Biss, the founder of One Million Goal, is also the author of the book "Charity – The Gifts of Giving". Visit this page to download a free chapter of this book: Charity The Gifts of Giving free chapter download
To purchase this book, go to its Amazon page: http://amzn.com/B00RC8SIX4View
Donna Slade Artist
Responsive website designed and developed for Donna Slade, CPSA in color pencil, pastel, and acrylic.View
Nancy Hauck Consulting
Nancy Hauck Consulting has a new responsive website designed and built by LinearTech! Whether users are looking for development workshop opportunities for their staff, tips for becoming a better parent, or wanting to strengthen their relationships, they can find the information and workshops to get them started by easily navigating through Nancy Hauck Consulting's website.View
Rivertowne Rentals
This is the seconde WordPress website LinearTech has built for Rivertowne Rentals. We all need a new face every so often, more often if your business is competing online. Website trents come and go, and we appreciate Rivertowne Rentals trusted us for the second time with their real estate rental website that generate a lot of sales for their business.
Rivertowne Rentals is a professional property management company operating in all of Craven County, North Carolina. They are known throughout the industry as giving our property owners the personal touch and going above and beyond normal property management standards. They office Turn-Key Property Management Services.
Check out their comprehensive property search engine with map and pictures: http://rivertownerentals.info/all-listings/View
The Inseason Music Group (ISMG)
In Season Music Group (ISMG) is a multi-dimensional business entity founded in December 2000 to satisfy the growing demand for innovative contemporary jazz and gospel music.
Check out their new responsive website, designed and developed by LinearTech. ISMG's music are availabe online in Amazon, iTuens, and cdbaby. Go to their Music page on the website to listen to the samples of their albums.
It was a pleasure working with LinearTech to help us customize a website that really meets our company's promotional needs. Telly's expertise, experience, and top-notch customer service contributed to the creation of an awesome web presence for our products and services!Daryl Minus – Co-Owner/Partner In Season Music Group, LLC | www.inseasonmusicgroup.com
Craven Ag Services, Inc.
Another successful website project teamed up between LinearTech and The Reactive Voice. We created this responsive WordPress website to demonstrate all the services provided by Craven Ag, a family owned and operated business that delivers an efficient, economical, and environmentally friendly waste recycling service in Eastern North Carolina. LinearTech is also helping them with their SEO optimization and managing their Google+ page.View
Pinecone Home and Garden
Check out this beautiful responsive website designed and built by LinearTech. Pinecone Home and Garden is a full service nursery with a very personal touch. Read more about Pinecone Home and Garden and their services here. The content of this website was developed by Jane Maulucci from The Reactive Voice
Professionalism with a capital "P"! Telly is extremely knowledgable,thorough, prompt and patient. Our new website is wonderful and well liked by our customers. I will highly reccomend Linear Tech for to anyone I know. Thank you Telly!Wendy – Pinecone Home and Garden | www.pineconehomeandgarden.com
crockettscrittercare.com is a responsive website LinearTech designed and created for Jeanne Crocket, a certified professional pet sitter in New Bern, North Carolina. Check out the interactive dynamic photo gallery with sorting feature for their cute pets:
Crockett's Critter Care Photo Gallery
I love the new look and feel of my website designed by Telly Ipock of LinearTech. Telly is fast, focused and talented. She's a good listener and was able to put my ideas into a truly beautiful design. I couldn't be happier.Jeanne Crockett – Crockett's Critter Care | www.crockettscrittercare.com
Stroke of Faith, Inc.
Stroke of Faith Farms has grown a lot since it was founded by Kathy Morris back in 2014, and so has their website. Over the year, LinearTech has been in continuouse support of their website's development and online marketing.
Telly Ipock, Linear Tech, LLC., has been a blessing to me and stepped up to the plate in my time of need. With her creative skills and work ethic, she has helped me tremendously in revamping my website. With her patience, knowledge and heart for our vision, Telly has provided a website where people can get a true understanding of what Stroke of Faith Farms is all about.Kathy Morris – Founder & CEO, Stroke of Faith, Inc. | www.strokeoffaith.org
Coastal Women's Forum
A membership website developed for a group of smart, savvy women from from diverse business and professional backgrounds, using the Wild Apricot platform integrated with a complex membership system, and Paypal for eCommerce.View
In Season Music Group (ISMG)
In Season Music Group (ISMG) is a multi-dimensional business entity founded in December 2000 to satisfy the growing demand for innovative contemporary jazz and gospel music.View
Help The Inventor
Help The Inventor, founded by Ron Pontiff from New Bern, helping inventors bring their dreams to life.View
New Bern Arts & Wellness Center
Logo design for a new community organization in New Bern – New Bern Arts & Wellness Center. The Center, located in Five Points, strives to be an urban oasis at the heart of New Bern, providing ceramics, arts and Yoga classes.
The logo design integrates the five main elements of the center's programs into one: ARTS, YOGA, CULTURE, COMMUNITY, and WELLNESS.View
New Bern Arts & Wellness Center
Website design and development for New Bern Arts & Wellness Center. It is a responsive WordPress website, with integration of Mindbody, an online scheduling module, so users can conveniently register for memberships, sign up for classes, enroll in different events, and pay on the website.View
Habitat for Humanity of Craven County
Habitat for Humanity of Craven County has been building homes, community, and HOPE for over 25 years, and so far has changed the lives of 59 local families!
Check out the new website for Habitat for Humanity of Craven County, built and designed by LinearTech. It's a responsive WordPress website that allows users to donate, sign-up to volunteer, and stay up-to-date with the organization.View
Jilliana Raymond
Teaching ordinary people how extraordinary they are.View
Trained by Jane
Coastal Women's Shelter
Website designed by High Tide Creative. Development and hosted by LinearTech.View
Help The Inventor
Check out a new responsive WordPress website we built: www.helptheinventor.com – Ron Pontiff from New Bern, helping inventors bring their dreams to life. Thanks to Jane Maulucci from The Reactive Voice for content contribution.View
Neuse River Community Development Corporation, NRCDC
New website design and development for Neuse River Community Development Corporation, NRCDC, a 501(c) 3 organization established in 1996 with the mission of providing affordable housing & economic opportunities in the New Bern & Craven County area, through housing, education, advocacy, and economic development.
For a long time, they were stuck with an old website with out-dated information. It was very hard to update and was not mobile-friendly. NRCDC reached out to LinearTech and we provided them with a affordable and quick turn solution – a brand new responsive website.View
Solid Rock Accounting
Responsive website designed and developed for Solid Rock AccountingView
Kiddie Kollege - A Christian Based Learning Center for Children
Responsive website designed and developed for Kiddie Kollege – A Christian Based Learning Center for ChildrenView
Jaq Jill
Responsive website designed and developed for a boutique Jaq Jill
Jet Ski Doc
Responsive website designed and developed for Jet Ski Doc
The Entrepreneur Center of Craven County
Responsive website designed and developed for The Entrepreneur Center of Craven County.
Giovanni Corona barber
Poor Charlies
Poor Charlies
Poor Charlies
Battlefield Park
Smart Start Holiday Hustle
Reed and Reed Insurance
Bear Contracting
Bay Leaf - Authentic Indian Cuisine
Responsive website designed and developed for Bay Leaf Authentic Indian CuisineView
Awen Holistic Skin Care
Responsive website designed and developed for Awen Holistic Skin CareView
Reed and Reed Insurance
Responsive website designed and developed for Reed and Reed InsuranceView
Bear Contracting
Responsive website designed and developed for Bear Contracting
Bear Contracting offers construction services to local home owners, commercial builders, residential builders and land developers from the Sand Hills to Coastal Carolina.View
Dunn Pittman Attorneys At Law
WordPress website designed by High Tide Creative, developed by LinearTechView
Moonlight Lake RV Park & Cottages
Responsive website designed and developed for Moonlight Lake RV Park & CottagesView
Jonathan Dixon - Licensed General Contractor
Responsive website designed and developed for Jonathan Dixon – Licensed General ContractorView
Portraits of Christ's Ministries
Responsive website designed and developed for Portraits of Christ's MinistriesView
Responsive website designed and developed for JoeSigns.
JoeSigns has been in the sign industry for 35 years, serving New Bern and surrounding areas in North Carolina.
Responsive website designed and developed for MoFuProView
Noah's Ark Preschool
Responsive website designed and developed for Noah's Ark Preschool.
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Your information is collected for the sole purpose of providing services described on this website.
Your private information is held in strict confidence. We will never release, share or sell your information to any other entities. We hate spam too!
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text: If you feel frustrated or worried of finding quality news and information online, then feel free to check out best online website available in market. The Web World Watcher on HubPages would be smart place to check out for people who were looking to find individual opinion about news happening day-today. For more information and opinion about news happenings, then please feel free to check out the above-mentioned link.


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Working Memory, Hemisphere Integration and Attention Building Digital Download
Working Memory, Hemisphere Integration and Attention Building Activities for Optimal Learning is a 54 page workbook that provides game-like activities that help learners become mindfully present, develop working memory capacity, integrate both hemispheres of the brain, improve attentional abilities and increase processing speed. They are fun activities that your students will be sure to enjoy.
Each purchase is a single license, for a single teacher. If additional teachers wish to use the product, please purchase additional copies. Thank you!
We Also Recommend
Working Memory & Hemisphere Integration Bundle Digital Download
Regular price $ 29.99 USD $ 29.99 USD


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Pixies frontman Black Francis has discussed new and unreleased songs the band have written ahead of future EP releases, suggesting some people within the band's camp are not keen on the fact new songs are being played live.
The US band, who returned to the music scene earlier this year with the release of 'EP1', also had to contend with the departure of bassist Kim Deal. Speaking to NME in a new interview in this week's issue, available digitally and on newsstands now, Black says he is hoping to recapture the energy the band had when they first started with his new material.
Asked what he wants from the new version of Pixies, Francis answers: "Ultimately, I'm looking for something that hasn't happened since the first time the band met success in clubs in Europe and the UK back in the '80s, when people were going nuts. People were throwing themselves at the stage. It was like a religious revival or something. I don't know if I'll ever experience something like that again but I always hope that can happen again."
Quizzed on whether he will continue writing new Pixies songs, he continues: "I have the ambition to. It's not easy trying to reinvent your band after all these years." However, as Francis reveals, that not everyone in the band's camp are keen on new material. "I think they've been going down really well. The rumour is there are some people, let's just say 'in our camp', who think it's too bad these new songs aren't really lifting the audience during the show."
Defending the new tracks, Francis says: "You can't expect people to get excited in the same way over material they've never heard or have only heard recently. I think the reaction has been very good. But that's just me."
The band are set to play a slew of larger UK and Irish shows later this month, starting with scheduled dates at Manchester Apollo on November 21, Glasgow's Barrowland on November 22 and London's Hammersmith Apollo on November 24 and 25.


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Dec 2012: "To succeed, you need to find something to hold on to, something to motivate you, something to inspire you." -Tony Dorsett | "Creative thinking inspires ideas. Ideas inspire change." -Barbara Januszkiewicz
Nov 2012: "I have learned that success is to be measured not so much by the position that one has reached in life as by the obstacles which he has had to overcome while trying to succeed." -Booker T. Washington
Oct 2012: It is not how much we have, but how much we enjoy, that makes happiness. -Charles Spurgeon
Sep 2012: The will to win, the desire to succeed, the urge to reach your full potential... these are the keys that will unlock the door to personal excellence. -Confucius
Jul 2012: "Optimism is the faith that leads to achievement. Nothing can be done without hope and confidence." -Helen Keller
Jun 2012: Don't dwell on what went wrong. Instead, focus on what to do next. Spend your energies on moving forward toward finding the answer. -Denis Waitley
May 2012: If you can imagine it, you can achieve it. If you can dream it, you can become it. -William Arthur Ward
Apr 2012: "Carry laughter with you wherever you go." -Hugh Sidey
Mar 2012: "To accomplish great things, we must not only act, but also dream; not only plan, but also believe." -Anatole France
Feb 2012: "Love is the triumph of imagination over intelligence." -H. L. Mencken
Jan 2012: "It's kind of fun to do the impossible." -Walt Disney
BC: the END | Merry Christmas Madre! I know how much you loved your calendar last year, so I decided to do it again! Now now, don't cry! I hope you enjoy looking at your calendar throughout the year and being reminded of the loving family that you have. You have helped all the people in these pictures so much, and we all love you and know that without you, our lives just wouldn't be as wonderful as they are with you in them. I love you mommy, and I hope you are proud of the woman I am today because everything I've accomplished is all due to you! You're the best. Love, Caitlin Marie Little


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Dave's Appliance, Inc.
Shop Smart, Buy Local
Welcome to Dave's Appliance!
The mission of Dave's Appliance, Inc. is to be a leader in its regional market of appliances and related service, by means of an exceptional reputation and an unfailing policy of quality customer service. We believe the customer is our most valuable asset and will work to achieve a positive, life-long relationship with our customer, based on the highest standards of conduct and ethics. 'Quality Service...Always'
As a member of The New England Group buying consortium, we have the advantage of multi-million dollar buying power to keep our prices competitive with all of the national retailers. We display products of all the major brand manufacturers as well as high-end professional appliances such as Wolf and SubZero.
We Serve Winthrop, Monmouth, Leeds, Greene, Lewiston, Sabbatus, Litchfield, Auburn, Turner, Jay, Livermore, Livermore Falls, Wilton, Farmington, New Sharon, Vienna, Mt. Vernon, Manchester, Readfield, Wayne, West Gardiner, Gardiner, Augusta, Hallowell, Farmingdale, Pittston, Randolph, Chelsea, Wiscassett, Whitefield, Vassalboro, Belgrade, Waterville, Sidney, Windsor, Chesterville, North Monmouth, East Winthrop, Dresden, Kennebec County, Androscoggin County, Maine, Lincoln County and surrounding communities.
Store Location
59 Central Street
Winthrop, ME 04364
Powered by Retailer Web Services


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Weber Basin Water Conservancy District is committed to the conservation of water and will be installing secondary water meters within its service area to promote the efficient and responsible use of this resource. Governor Herbert has established a goal to reduce per capita water usage 25 percent by 2025. As part of the Governor's Water Conservation Team, the District supports this goal and has committed to do its part to help stretch our water supply for years to come. By installing a meter on secondary connections, homeowners are able to see their water use and make better informed decisions.
This project is set to begin mid to late October and will be completed in April. 750 one-inch connections will be installed in the area displayed below.
Secondary users having a meter installed will receive written notice prior to the commencement of work taking place. The District has worked hard to ensure minimal impacts to residents during installation. The following impacts may occur during meter installation:
No. Weber Basin intends to install a secondary water meter on every connection.
Not at this time. Weber Basin will use the data gathered to measure the effectiveness of conservation efforts and to inform residents of their outdoor water usage. Weber Basin will provide each residence with a monthly usage statement that will show their usage compared to the amount required by their landscape. This statement is for informational purposes and is not a bill. If you are using an excessive amount or a leak is detected, you may receive information to help you lower usage.
Yes. A separate, personal shut off valve is an important part of your irrigation system. It is important for you to have the means to shut off water to your sprinkler system in case you have a break. It is also recommended that you have a filter on your system. Secondary water is not treated or filtered and can plug sprinkler heads with debris.
No. Culinary (indoor) water is a separate system delivered by a different entity. The installation of a meter on your secondary system will not affect the water in your home.
While unlikely, there is a potential to have pressure changes. Most often, lower pressure is a result of the time of day you irrigate, and those pressure issues can be resolved by adjusting your watering to a time when there is less demand on the system. Please remember that watering is prohibited between 10 am and 6 pm due to the high loss of water through evaporation.
Yes. The contractor will restore landscaping in the area affected by the installation. The contractor will likely restore the landscaping on a different day than the meter is installed. Depending on the time of year, sod may be replaced later than other landscaping in the area.
Below is an example of the monthly statement that will be sent to resident's homes. Note how the past month's consumption is shown in relation to the calculated need of water. The calculated need of water is found by digitizing the irrigable area and applying the historical weather trend through an evapotranspiration model.
The District offers many conservation programs and educational information to help each water user be more efficient and effective. To see what we have to offer checkout our Conservation site or call us at 801-771-1677.


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Does the Virtual Assistant Business Work?
Does the Virtual Assistant Business Work and can Virtual Assistants really save businesses time and money?
Perhaps you have considered starting a virtual assistant business but are wondering if companies are really looking for this type of help? No need to worry about that because a virtual assistant is just what many companies today need.
It is estimated that there are 8,000 – 10,000+ Virtual Assistants worldwide as of 2007 and the industry is growing!
This is a great business to enter right now because technology is changing the way we do business. Services that once had to be performed on the premises of the business can now easily be done remotely from a home office. Most people have home computers and many people want or need to make a living from their home.
The virtual assistant business has opened a door for moms, disabled workers, unemployed and retired workers, or anyone who need an extra income.
Another reason this business is booming now is the change in the modern workplace.
The down-sizing of large corporations and the growth of small businesses have created a demand for a skilled, off-site professional that will provide work in a more cost effective way than a full-time employee.
What value does a Virtual Assistant bring to businesses?
Businesses today have more work to do than the time or resources to get them done. Time and money are big constraints for many businesses and they are looking for a solution. That solution could be you! A skilled VA can can take over many administrative tasks and free up business owners, executives and busy managers to do their job of building and running their business.
Who becomes a VA?
Perhaps you have been working in administration for many years. You are detail oriented and efficient; you have also learned many organizational and time-management skills on the job. Perhaps you have secretarial training or earned a professional certificate. You have extensive software training and advanced skills. Is this enough to be successful in this business? Perhaps, but you will need to have the courage and determination to go through the ups and downs of a new business and there will be many!
Remember starting any business is not be easy and there are always bumps in the road. It may be reassuring to know that you are entering a business with a proven track record of success in an industry that is bound to grow.
There are many tools to help you along the way to starting a virtual assistant business and the odds of success are in your favor. Do you research and learn as much as you can about this business before deciding if it is right for you. If you do decide to become a virtual assistant, with determination and hardwork you will be on your way to a rewarding business you can call your own!
Learn More…
Virtual Assistant Associations
Should you become a Virtual Assistant?
Create your Virtual Assistant Business Plan


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March 3, 2004
SAN JOSE, Costa Rica -
Former Santa Clara University star Aly Wagner helped the U.S. Women's National Team book its place at the 2004 Olympics in Athens, Greece, with a dominating 4-0 victory over host Costa Rica in one semifinal of the CONCACAF Final Round Women's Olympic Qualifying Tournament. Mexico stunned Canada, 2-1, in the other semifinal to earn its first-ever trip to the Olympics Games for women's soccer.
The U.S. got first half goals from Wagner, Abby Wambach and Kristine Lilly, and a second half strike from Shannon Boxx, out-shooting the plucky Costa Ricans 20-1 on sunny but extremely windy day at Estadio Nacional.
This marked the first time the Americans had to qualify for an Olympics, having earned spots in the 1996 and 2000 tournaments through their finishes at the previous year's Women's World Cup. The match was never in doubt as the USA scored in the 5th minute and the back line of Heather Mitts, Joy Fawcett, Cat Reddick, Kate Markgraf, and later substitute Amy LePeilbet, never let the Ticas near the U.S. goal.
Mia Hamm created the first score, taking a pass from Mitts down the right wing and bursting past a defender. She crossed to the near post, where Lilly flicked the ball to the far post, and Wagner plowed the ball into the net on a diving header from two yards out as a defender took her legs out. It was Wagner's 14th career goal.
The second U.S. goal came in the 26th minute as Fawcett lifted a ball over the defense to the sprinting Abby Wambach. The 5-foot-11 forward drove into the right side of the penalty area, cut back into the middle to her preferred left foot and drilled her shot into the left corner from 16 yards out for her 18th career goal.
"We've worked extremely hard. This might be the most difficult January or February we've ever had. You can't just show up in Costa Rica and except to qualify for the Olympics. It's an honor to coach these players and be a part of this organization. The commitment to excellence is 365 days a year, so to bring this group to Costa Rica, to train as hard as they did, and to be able to achieve our goal of advancing to the Olympics is very exciting for everyone."
U.S. National Team Coach April Heinrichs.
The USA's fourth goal may have been the prettiest as MacMillan made a darting cut inside the penalty box to receive Hamm's a throw-in from the right sideline, but instead of collecting the ball, she spun it back towards Boxx with the outside of her right foot and the U.S. midfielder crushed a first time volley into the left corner from 14 yards out. It was Boxx's ninth career goal in just 16 matches.
The USA dominated possession for long stretches, forcing the Costa Ricans to chase, a tough task for their two forwards who could not get close to the U.S. backs as they pinged the ball around the field. Costa Rica, which played with a very deep sweeper, packed the back and made it difficult to find a way to the net, but through some great combination play, especially from Lilly and second half substitute MacMillan, the USA created several more chances before the final whistle blew.
Costa Rica's one shot, which went wide right, came in the waning moments from star Shirley Cruz, and although it brought cheers from the crowd, the match had long been decided.
The real drama on the day came in the first semifinal as Mexico earned an historic win, becoming the first Spanish-speaking country to earn a berth in the Olympic women's soccer tournament. Star forward Maribel Dominguez scored both goals for her side, in the 21st and 58th minutes, while Canada pulled a goal back through 17-year-old Aysha Jamini in the 84th, making the last six minutes excruciating for Mexico. Mexico got some excellent play in the air from goalkeeper Jennifer Molina, who also made several big saves at the end, and the back line led by Monica Gonzalez, Rubi Sandoval and Elizabeth Gomez managed to keep the physical Canadians at bay.
The USA will face Mexico for the CONCACAF regional championship on Friday, March 5, at 8 p.m. CT at Estadio Eladio Rosabal Cordero. Fans can follow all the action on ussoccer.com's MatchTracker. This will be the fifth regional championship game for the U.S. women, who have won the four previous CONCACAF tournaments in which they have participated, three Women's World Cup Qualifying competitions (including one Women's Gold Cup) and one CONCACAF Women's Gold Cup that was not a qualifying competition.
Match-up: USA vs. Costa Rica
Competition: CONCACAF Final Round Women's Olympic Qualifying - Semifinal
Venue: Estadio Nacional; San Jose, Costa Rica
Date: March 3, 2004; Kickoff - 2:30 p.m. CT
Attendance: 4,000
Weather: Sunny, windy - 80 degrees
Scoring Summary:
USA - Aly Wagner (Kristine Lilly) 5th minute.
USA - Abby Wambach (Joy Fawcett) 26.
USA - Kristine Lilly (Unassisted) 29.
USA - Shannon Boxx (Shannon MacMillan) 51.
USA: 1-Briana Scurry; 2-Heather Mitts, 14-Joy Fawcett, 4-Cat Reddick, 15-Kate Markgraf (6-Amy LePeilbet, 34); 11-Julie Foudy - C, 7-Shannon Boxx (16-Lindsay Tarpley, 60), 13-Kristine Lilly, 10-Aly Wagner; 20-Abby Wambach (8-Shannon MacMillan, 46), 9-Mia Hamm.
Subs not used: 3-Christie Rampone, 5-Leslie Osborne, 12-Cindy Parlow, 17-Heather O'Reilly, 18-Siri Mullinix, 19-Angela Hucles.
Head Coach: April Heinrichs
CRC: 1-Alejandra Alvarez, 3-Gabriela Trujillo, 4-Karol Segura Arguedas, 5-Monica Salazar, 6-Xiomara Brice�o, 9-Ericka Castro (19-Marian Montes, 76), 10-Shirley Cruz, 12-Laura Sanchez (7-Emilia Solano, 46), 15-Yahaira Aguilar, 16-Cindy Rodriguez, 17-Jacqueline Alvarez (13-Karla Villalobos, 68).
Subs not used: 2-Daniela Serruth, 8-Ana Gabriel Campos, 11-Megen Chavez, 14-Wendy Barrantes, , 18-Maricela Montes, 20-Silva Arias.
Head Coach: Ricardo Rodriguez
Statistical Summary:
Shots on Goal: 9/0
Saves: 0/5
Corner Kicks:7/1
Offside: 5/0
Misconduct Summary:
USA - Mia Hamm (caution) 43rd minute.
USA - Amy LePeilbet (caution) 61.
Referee: Maria Cecibel (El Salvador)
Assistant Referee: Maria Tovar (Mexico)
Assistant Referee: Jackeline Saez (Panama)
4th Official: Jill Proctor (Canada)
Wednesday, March 3
Semifinal #1 Mexico 2, Canada 1
Semifinal #2 USA 4, Costa Rica 0
Friday, March 5
Third Place: Canada vs. Costa Rica Eladio Rosabal Cordero (6:00 p.m. CT)
Championship: USA vs. Mexico Eladio Rosabal Cordero (8:00 p.m. CT)


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How are you? How do you like these wintry days (If you live in the Northern Hemisphere that is)? When it's cosy and warm and comfortable inside it takes a certain amount of willpower to get up and go out for no real reason. Being the kind of person who loves to hibernate, I try to make it a habit to go outside no matter what the weather.
I always feel better when I do. Over time I have come to notice just how much of a difference a 30-40 minute walk makes in a day. It invigorates, it grounds, it calms, it clears my head. I usually come home with ideas for writing or painting and the enthusiasm to get on with it. I even feel healthy afterwards – all fresh-cheeked and glowing from the inside and I am less likely to reach for a coffee and a chocolate biscuit.
Deep in the winter season as we are, the first impressions of the landscape are bleak. Here in England, at first glance, there is little to see but bare brown branches and a whole lotta mud. There are no wildflowers or squirrels to catch your eye, no bugs or bees; no roses or lilacs tumbling over garden walls. If you want to see anything of interest, anything unusual, you have to look deeper.
You have to really look closely to see the puffs and curls of fungus on the old tree stumps and the yellow-green lichen clinging to the dry-stone walls. You have to pause at the gate of a field and wait quietly to see the flock of crows ascend en masse, or to catch the flash of white underwing as a collared dove alights on the tallest bough. Though even the berries are gone at this time of year there are a few birds still around, not least of all the robins with their berry red breasts.
If you'd like a bit of inspiration for the kinds of things to look for in the UK at this time of year, there's a short video Here of a botanist with the Natural History Museum, who goes in search of wildlife on a winter walk.
Though I often think I can't be bothered to drag myself out of that door, I am never sorry when I do. The sky was blue this afternoon and the sun glowed gently from low on the horizon. I closed my eyes and stood still for a few minutes as the warmth soothed my chilled face.
The poet Edith Sitwell wrote that…
"Winter is the time for comfort, for good food and warmth, for the touch of a friendly hand and for a talk beside the fire; it is the time for home."
…and it is all these things which make the long winters bearable. And after a swift or slow meander in the bracing air I appreciate these things all the more. A toasty warm house never satisfies as much as it does coming from the outside in.
Kim x


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Utskrift från Malmö universitet - mau.se
Utskrift från Malmö universitet - mau.se
|2-year master student thesis
|Towards an Understanding of Heterosexual Risk-Taking Behaviour Among Adolescents in Lusaka Zambia
|English abstract
|This thesis investigates the underlying factors behind sexual risk-taking and non-risk-taking behavior with regard to Sexual Reproductive Health (SRH) among adolescents in Lusaka, Zambia. The Qualitative Approach was used for data collection and analysis and using the theory of Social Construction, the author explains how different contexts and aspects in the Zambian Society, that is Traditional, Socio-economic, Political, etc., influence the sexuality or sexual behavior of young people in Zambia. Hermeneutics was used to interpret the meanings in the texts/transcripts acquired through data collection and from the author's knowledge and understanding of the Zambian historical and cultural contexts within which the participants of the research were constructed. Max Weber's Ideal Type concept was also used to explain that each young individual's sexual behavior is uniquely constructed by societal aspects. It explains how that the discourses of these different aspects of society impact on young people individually causing them to be either Sexually Risk-taking or Non Sexually Risk-taking. Either tendency depends on whether the societal aspect that has most the dominating influence on a given individual's life is a Power factor (causing them to rationally think their way into Non Sexually Risk-taking behavior) or a Risk factor(causing them to rationally think their way into Sexually Risk-taking behavior). The author of this thesis introduces a new Model for Social Construction of Adolescent Sexuality with regard to Risk-taking. She uses it to explain how it is either power factors or risk factors that can have a greater impact on an individual's thinking, causing them to have either sexual risk-taking or non-sexual risk-taking behavior. The author concludes that the extent to which unsafe sex among the Zambian adolescents constitutes a product of interacting and/or main discourses in relation to mainly Traditional aspect risk factors, varies from person to person depending on the strength of given risk factors over any power factors that may be at play in an individual's life.
|Malmö högskola/Hälsa och samhälle
|swe (iso)
Sexual Health
Sexual Reproductive Health (SRH)
Sexual Behavior
Adolescent Sexual Behavior
Sexual Risk-taking
|http://hdl.handle.net/2043/17838 Permalink to this page


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The lead float at the 2013 Tournament of Roses
What to do in and around L.A. this Christmas and New Year
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Greater Los Angeles is gearing up for one of the most iconic New Year celebrations in the United States: Pasadena's Tournament of Roses, a festival of flowers, music, and sports that traces its roots back over 100 years. You can get in on the action by helping to decorate a float for the parade. For something even more offbeat, try your hand at curling on Boxing Day with a lesson from Hollywood Curling. Also, it's your last chance to catch the mesmerizing fiber art at the Fiberlicious exhibition.
December 26 | Grab your brush
Pop-Up Curling Lesson
Curling is a winter sports event that doesn't get much love. In fact, it rarely gets mentioned at all, except if you're flipping through the coverage of the Winter Olympics. And even then, it's not quite the prime-time event like hockey or even bobsledding. But it's a lot of fun to play, and the fine folks at Hollywood Curling are providing introductory lessons downtown—why don't you give it a whirl?
8:30–9:30 a.m. | Pershing Square, 532 S. Olive St., Los Angeles | (213) 847-4970 | $5 | website
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December 27–31 | Historic festival
Rose Parade Float Decorating
The Tournament of Roses is a beautiful way to bring in the New Year. This festival of flowers, music, and sports has been the place to be each New Year for over a century. But rather than just watching the show from the comfort of your couch, consider participating in the creation of the floats for the Rose Parade. Lots of organizations participating in the festival need volunteers eager to get their hands dirty. It's quite breathtaking to consider how each flower has a place in the larger scheme, like life itself.
All day | Various locations across Greater LA | (626) 449-4100 | Free | website
January 1 | Hangover cure
New Year's Day is Bloody Mary Day at Public School
The perfect cure for a New Year's Day hangover is a Bloody Mary. That's just Drinking Science 101. So no wonder Public School is pulling out all the stops to ensure a perfect first brunch for 2016. We're talking $10 bottomless mimosas, beermosas, and micheladas alongside the specialty Bloody Marys. What makes them so special? Fresh tomatoes spiked with chipotle sauce, sriracha, and other secret ingredients, for starters. Glasses are rimmed with bacon salt and then garnished with the likes of pickled carrots, green beans, garlic, and, wait for it, a New Year's resolution–busting fried chicken wing. Just try to stay out of the principal's office.
From 11:30 a.m. | Public School #310, 9411 Culver Blvd., Culver City | (310) 558-0414 | website
AFAR Local is published every Wednesday, so check back for insider updates on restaurant openings, festivals, exhibitions, shows, weekend escapes, and more. Planning a trip? The AFAR guide to Los Angeles has you covered.
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Through January 2, 2016 | Art last chance
This is your absolute last chance to view Fiberlicious, an exhibit that is dedicated to the craft of traditional fiber art and its very modern incarnations. Prepare to have your mind blown as you see all the different ways that fiber can be manipulated. Tanya Aguiniga, a much-loved local talent, and Carole Frances Lung, a.k.a. Frau Fiber, are among the 16 featured artists.
12–5 p.m. | Barnsdall Art Park, 4800 Hollywood Blvd., Los Angeles | (323) 644-6269 | Free | website
Weekend escape
Baja, California
If you're looking for a wine adventure with a difference, consider driving just south of the border. Baja, California is about a four-hour drive from the city but you'll feel so far removed from it once you unpack your bags. Northern Baja is home to over 60 wineries, including the award-winning Vena Cava Wine. If you want to do a wine tour, check out Club Tengo Hambre. Consider La Villa del Valle as your inn of choice. It's located right in the heart of the Mexican wine country and feels like an intimate fiesta. Complimentary breakfast includes fresh eggs from chickens that live on-site and homemade granola.
Eva Glettner is a writer and a native Angeleno. She loves art, travel, coffee, and skateboarding.
more from afar


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Thanks you for sending the photographs through, they are amazing, you have captured our memorable day beautifully; not just the pictures of us but of the guests and all the locations. C&S x
Thank you for the photos, we both absolutely love them and they are so beautiful. Will share the link with our friends and families x
Nadin, the photos are absolutely amazing !! I can't imagine any better. Although we didn't have the chance to shoot outdoors, but you did some magic in there to come up with those absloutely outstanding shots :). Thanks so much for your work, and I'd love to highly recommend you to all the people I know. Thanks again from both myself and Ghadir :)
Thank you so much, Nadin. Its been an absolute pleasure working with you. You're beyond amazing!!! We are looking forward to get in touch with you for further events! Thank you for everything. C&E x
Doesn't matter where we are in the world the love is still the same. For our 25th anniversary, our heart was set on Scotland! I had no idea my hubby booked our stay at the beautiful Dalhousie Castle and he had no idea I booked an awesome photographer!!😉 Wow where do we start! Thank you so much Nadin for an amazing day! Not only did you photograph us you went the extra mile showing us all the little hidden gems we would never have found! You made everything so much fun and and we too had a fabulous day! So excited to see our special photos!🙂❤Ravi & Parvi xx


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New horse for Eric Lamaze bought from British rider
Top Canadian showjumper Eric Lamaze has a new horse, with the arrival of Zigali P S, who was previously ridden by Britain's Daniel Neilson.
Zigali P S has been purchased by Carlene and Andy Ziegler's Artisan Farms. The family was recently presented with the prestigious Jump Canada "Owner of the Year" Award for the second time in appreciation of their support of Lamaze and fellow Canadian Olympian Tiffany Foster.
Ridden for the past year by 23-year-old Daniel Neilson, Zigali P S quickly amassed an impressive record in FEI sanctioned competition. The nine-year-old bay Dutch Warmblood gelding (Kigali x STB-H Palfrenier) won grand prix events in the spring before helping Great Britain score a second place finish in the Nations' Cup at CSIO5* Gijon, Spain. It was also in Spain that Neilson and Zigali P S placed third in the €145,000 1.60m Grand Prix of Gijon.
"It's a horse that Gilbert knew about and had seen," said Lamaze in reference to agent Gilbert de Roock of Belgium. "I saw the video and very much liked it; the horse has a lot of thoroughbred in its look. The horse has had a lot of results and seemed to be at the right age with the right mileage. Everything in the horse's career has been positive, so we were attracted to that to begin with. In trying the horse, it confirmed everything that we thought."
"We think it's a great prospect," said Andy Ziegler. "We're very excited, and we can't wait to see Eric and the horse competing together. It ought to be a great second grand prix horse alongside Powerplay."
Zigali P S will join Lamaze's current top string, which is led by Powerplay, a nine-year-old Holsteiner gelding (Casall x Limbus), purchased by Artisan Farms in May of this year. With Powerplay, Lamaze enjoyed strong results at CSIO5* Spruce Meadows Masters in Calgary, AB, and was one of two riders to produce a double clear effort in the €1,500,000 Furusiyya FEI Nations' Cup Final at CSIO5* Barcelona, Spain.
"Powerplay is my leading horse, and we need to try to preserve him for next year's World Equestrian Games," explained Lamaze, who has contested the past five consecutive World Equestrian Games, winning the Individual Bronze Medal in 2010 with the great Hickstead.
"In talking with Andy and Carlene, they were very supportive. Once we realized what we had in Powerplay, we also realized that we need to aim him at major events and championships. Powerplay needs a back-up, and Zigali is capable of jumping at the same calibre. Having a second top horse will make Powerplay's schedule a little easier, and allow me to do more shows. It makes it fun, and it makes it exciting!"
In addition to Powerplay, Lamaze has several up-and-coming mounts, including the new acquisition, Dublin. Formerly named Casanova 439, Dublin is a six-year-old grey German-bred gelding (Cobra x Calido).
"I can't say enough great things about how supportive Artisan Farms is of our careers, and the Canadian team in general," said Lamaze, who will wrap up his 2013 competition season at CSI5* Paris, France, and CSI5* Geneva, Switzerland, in December. "They have provided great strings of horses for both Tiffany and me. We are so appreciative. This would be impossible without their support."
Tiffany Foster, 29, has ridden alongside Lamaze on four Nations' Cup teams this season in Wellington, Florida, twice in Calgary, Alberta, and in the €1,500,000 Furusiyya FEI Nations' Cup Final in Barcelona, Spain. Her top mounts include Victor, an 11-year-old Dutch Warmblood gelding (Elmshorn x Grandeur), and Verdi III, an 11-year-old Dutch Warmblood gelding (Hors La Loi II x Cantus). Artisan Farms also recently purchased Brighton, a seven-year-old dark bay Dutch Warmblood gelding (Contender II x Quick Star) for Foster.
In addition, Artisan Farms LLC is part of the group that purchased Showgirl as a prospective 2014 World Equestrian Games mount for Yann Candele. In their competition debut at CSI4*-W Toronto, Candele won a record fourth consecutive Canadian Show Jumping Championship title.
Artisan Farms is based in Vrasene, Belgium, and Wellington, Florida. Committed to the continued improvement and promotion of competitive show jumping, Artisan Farms is the presenting sponsor of the Artisan Farms Young Rider Grand Prix Series, now entering its' fourth year at the 2014 FTI Consulting Winter Equestrian Festival in Wellington, Florida.


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Hey Everyone,
Well Easter is upon and finally along with some sunshine. The water has cleaned so we can all hopefully enjoy the beach over this Easter Long Weekend.
Footy Tipping is in full swing with "Scabbard" on top of the ladder in the Club Competition and "Cabacoop" and "Baggins" in equal first spot in the Junior Comp! Our Bar Captain Shaun is planning a bus for the Titans/Rabbitohs Match on the 27 July, expressions of interest now required so we can work out costing. Put your name down up at the Club.
I hope that the Easter Bunny visits you all over the weekend, well maybe not the "Boaties" they really don't need the extra calories, have a safe and happy one!
Lifesaving News
Patrol Champs 28th April, time to be announced!
Presentation Night 25th May, 6pm. Tickets $25.00 each!
Patrol Service Agreements are up for renewal. This means we have to agree with Surf Life Saving New South Wales, Council and Branch where and when we patrol must patrol. If you would like to have an input please send any suggestions or requests to firstname.lastname@example.com.
Patrols this weekend!
Friday AM Patrol 3
Friday PM Patrol 5
Saturday AM Patrol 6
Saturday PM Patrol 7
Sunday AM Patrol 2
Sunday PM Patrol 1
Monday AM Patrol 3
Monday PM Patrol 4
Cert IV in Workplace Training & Assessment opportunities available for 15-25yrs members. See website under 'training' for more info.
Member Draw
Last Week - Belinda Endler $100 - Not claimed
Jackpot now $150.00 next draw 31st March. So get down to the Club between 4.30pm and 6pm. Remember, your name goes back in the draw each week, so if it has been drawn once it CAN be drawn again.
Follow us on Facebook
Need some Surf Club goss! Apart from our Website which is our most valuable source of information, you can now follow us on FACEBOOK. Click here
Bar Hours
The Bar will be open from Noon Thursday to Sunday! Closed Good Friday!
Club News >


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EVA Voted a Top-10 International Airline in Travel + Leisure Survey
Travel + Leisure readers voted EVA Air among the Top-10 International Airlines in the magazine's 21st annual best of travel survey.
Based on personal travel experiences, readers were invited to rate airlines for cabin comfort, in-flight and customer service, and value. Survey results appear in the magazine's August 2016 issue and on its website. Travel + Leisure's survey results come on the heels of SKYTRAX recognizing EVA as a 5-Star Airline. Travelers can learn more about EVA and book flights at www.evaair.com.
It takes more than an acceptable seat, good fares and free food for an airline to stand out. Results of this survey show that travelers find the best airlines to be those that offer exceptional service to everyone on board. EVA has made quality service and safety priorities in the air and on the ground for all passengers throughout its 25 years of operation.
The survey was available Nov. 3, 2015 – Feb. 29, 2016. Readers were invited to participate through the printed magazine, tablet editions, newsletters, social media and at www.travelandleisure.com. In addition to airlines, readers voted for airports, car-rental agencies, cities, cruise lines, destination spas, hotels, islands, tour operators and safari operators.
In order of ranking, Travel + Leisure's World's Top-10 Best International Airlines are Singapore Airlines, Emirates, Qatar Airways, Etihad Airways, Virgin Atlantic Airways, Cathay Pacific Airways, Air New Zealand, EVA, Korean Air and Porter Airlines.
EVA makes consideration, interaction and mindfulness key to frontline delivery on the ground and in the air. Leading up to its 5-Star Award, SKYTRAX ranked EVA as the carrier with the Best Airline Staff Service in Asia in its 2012 Awards Survey and among the "World's Top-10 Best Airlines" and the number one airline for "Best Airline Cabin Cleanliness" in 2015. AirlineRatings.com recognized it as a carrier of choice among the "World's Top-10 Airlines" for 2015 and 2016 and rated its Elite and Economy Classes in the world's top-10 "best for economy plus and economy class travel for 2015."
EVA's high safety standards also earn praise. It's been recognized among the world's 10 safest airlines by Aero International Magazine's eight times since 2004, including third-place ranking in 2015 and 2016, and rated as one of world's 10 safest airlines by website AirlineRatings.com for 2014, 2015 and 2016.


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|Tue 16 Apr 2019, 6:30pm
Additional fees may apply
It all took off for Keb' Mo' in 1994 with his self-titled release, and over the years he has proven that he is a musical force that defies typical genre labels. Album after album, 14 in total, have garnered him 4 GRAMMY awards and 11 GRAMMY nominations, including Country Song of the Year for "I Hope," co-written with The Dixie Chicks, and 3 alone for his 2014 self-produced release, BLUESAmericana including Americana Album of the Year. Keb' has also been awarded 11 Blues Foundation Awards and 6 BMI Awards for his work in TV & Film.
Over the past two decades, Keb' has cultivated a reputation as a modern master of American roots music through the understated excellence of his live and studio performances. Artists who have recorded his songs include B.B. King, Buddy Guy, the Dixie Chicks, Joe Cocker, Robert Palmer, Tom Jones, Melissa Manchester, Solomon Burke and the Zac Brown Band to name a few. The list of artist collaborations comprises a who's who in the music industry and includes Bonnie Raitt, Taj Mahal, Vince Gill, Amy Grant, Jackson Browne, Natalie Cole, Lyle Lovett, India Arie, James Cotton, Bobby Rush, Timothy B. Schmit, Marcus Miller and many more.
Add to this his TV and movie appearances, including playing his iconic version of "America The Beautiful" in the series finale of West Wing as well as at the actual White House for President Obama; and his long-time support for not-for-profit organizations such as Playing for Change, Vote For Change, the No Nukes Group and Kennedy Center's Turnaround Arts Program where he mentors youth through music.
If it was at all possible to measure success, it must be Keb' Mo's biography. The Compton-born blueseman, now a Nashville resident, whose career spans less than 30 years is cherished by fans internationally for his rich, distinctive voice spinning humorous and passionate stories over a guitar prowess that inspired Gibson to release the Keb Mo Bluesmaster acoustic guitar.
Keb' Mo' will perform a handful of must-see solo performances along the east coast of Australia as well as returning as a crowd favourite to celebrate the 30th anniversary of Bluesfest, Byron Bay.
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Voted by TripAdvisor (Best of 2017) as Portland's "Top Rated Thai Cuisine"
Portland's "Top Rated Thai Cuisine"
Wow, guys! Thank you all for your votes, you helped us get recognized by TripAdvisor for Portland's "Top Rated Asian Cuisine" and "Top Rated Thai Cuisine" for 2017!!! We are a family-owned business since 1999; sharing some of our family's recipes with you for nearly 18 years… and you have continued to support us all these years. We cannot thank you enough. (We love this video by Vlogger, Austin O., from Inside Oregon!)
Follow us on Instagram for a chance to win a free dinner on us!


text: the second part of the trip involved a visit to Wanaka before stopping overnight at the Lake Hawea Hotel. The actual lake itself (Hawea) is located in the Otago region at an altitude of around 348 metres. The lake itself is named in Maori and is thought to be named after a local tribe, however, at the time no information was available as to the actual meaning of the name.


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24. Toledo, Ohio native who now calls Columbus, Ohio home.
Passionate about living everyday to its fullest, surrounding myself with extraordinary individuals, and trying to leave my mark on the world.
Using this page to express some of my random thoughts, capture my journey, and share the messages of those I'm fortunate enough to spend time with along the way.
Want to learn more? Click here!