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Changes to selected variable rate mortgages
The Bank of England announced an increase to the base rate on Thursday 2 August to 0.75%.
Please find below the effect of this increase on The Mortgage Works' mortgage rates.
New and pipeline applications
All Key Facts Illustration and offer documents will reflect the new Bank of England base rate from Tuesday 7 August. For new customers completing on trackers from this date, the new base rate will be reflected upon completion.
Download our New Business guide
Existing customers
From Saturday 1 September, all variable rate mortgages indexed to the base rate will be increased by 0.25%, in line with existing terms and conditions. All other variable rates, including the TMW Managed Rates, will also increase by 0.25%.
Borrowers affected by this increase will see a change to their mortgage payments from Saturday 1 September and we'll write to them in advance to notify them of their new interest rate and monthly payment.
Download our Existing Customer Switching guide
Contact us
We anticipate high call volumes in our contact centres, so for case updates, please login to TMW Online. If you need pre-application support, contact us using Broker Chat.
Securing current products
You can secure any current products available via TMW Online and TMW MTE by submitting a Full Mortgage Application (FMA) by 8pm today, Monday 6 August.
Where applicable, paper applications must be postmarked up to Monday 6 August.


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Jason McAteer reckons new Sunderland boss Mick McCarthy will get the best out of the Black Cats' players in the relegation run-in.
The former Liverpool midfielder played under McCarthy for six years with the Republic of Ireland and knows the Wearsiders' new manager well.
McAteer says McCarthy's track record with the Republic proves he specialises in man-management and that will give Sunderland the best possible chance of avoiding the drop in May.
He said: "Mick is a very good man-manager and a very good modern-day manager.
"He has travelled the world, managed high-profile world class players and he is well-respected in world football.
"He has a lot of experience and I think that can't help but be of benefit.
"He manages the way he used to play, very aggressively and he demands success.
"Mick never gives up and he will demand the same from every member of the squad.
"He gets the best out of a group of players too.
"I think that the Irish squad would hold their hands up and admit that we are not all world-class players - although there are certainly one or two who are.
"But we are all very honest and Mick managed to make a successful team out of those ingredients.
"His job description was to get the team to the World Cup finals last summer and he did that."
McCarthy's reign started today with a crunch relegation clash with Bolton at the Stadium of Light and McAteer is hoping that the change of management will give the players a boost as the season enters its final stages.
He said: "We were on a downward spiral when Peter Reid left and, although there was an initial lift when Howard came, after a couple of disappointing results we quickly got back on that spiral again.
"But now Mick has come in and we have another chance to get off it and move upwards.
"I don't think anyone is under any illusions - Mick is not a miracle worker - but it is up to the players now and the lift he brings might be just what we need."

subset: commoncrawl


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Report: Dwight Howard Request Trade To Nets
Stop me when you've heard this before, Dwight Howard has requested a trade from the Orlando Magic. Read more…
Justin Bieber is a member of the Money Team
New Knicks gear
Fan attempts to dunk at Hawks game
Top 5 reasons to watch the Masters
Top 5 reasons to be excited about the Masters
5.Rory McIlroy looks for redemption – The young McIlroy pulled off one of the biggest choke jobs in Masters history last year. He came into Sunday with a four-stroke lead but a triple-bogey on No. 10 started a nightmare back nine for the young Irishman. The roars from crowd reacting to Tiger's attempt at a comeback seemed to have gotten to him as he finished with 8-over 80 final round.
McIlroy has responded nicely since then, working his way up to a No.1 world ranking. If he's in contention during the final round, it will be interesting to see how he responds to the Augusta spotlight this time around.
4. Phil Mickelson is always dangerous – Mickelson has always been a fan favorite and can never ben counted out at the Masters. He is only the player besides Tiger that can get the crowd behind him and place the pressure on the rest of the field.
While Lefty has been streaky this season on the tour, Majors have always been where hes shined. If Mickelson is in the hunt on Sunday, particularly with Woods, things will surely be interesting.
3. The best coverage in golf – The Masters is an excellent example of how technology can be used to drastically improve sports broadcast. With its parternship with IBM, The Masters provides some of the best online and television coverage in all of sports.
Not only are all four rounds of the tournament aired on television, you can follow along all week online as well. The Masters, through its app and website, make feeds of featured groups, Amens corner, and other holes, available for free. When it comes to golf coverage, Augusta can't be topped.
2. The rest of the field makes it interesting – While the casual golf fans love to see the big names battling for the green jacket at the end, the Masters is always more exciting when someone no one expects to win is in the hunt. Whether its one of the young up-and-coming pros or a former champion, you can usually expect a dark horse to be in the running on the final day.
1. Tiger, Tiger, Tiger — Tiger Woods has been, and will continue to be the biggest name in golf until he quits. The event is always more exciting with Tiger in the field and this year the excitement might be bigger then ever. Fresh off his first official PGA tour victory in 30 months, Woods looks to be getting back to his pre-fallout form.
A Sunday with Tiger in his tradiontal red shirt, making a run at his fifth green jacket, would make for a great event.
Kings to stay in Sacramento, good for ball!
In case you haven't heard, the Kings have an agreement in place with the City of Sacramento to build a new $400 million arena and to keep the team in California's capitol city for the foreseeable future. Although I don't consider my self a Kings fan, there are a few reasons I'm happy to see the team stay in Sacramento. For one, the new arena looks like its going to be an amazing, top of the line facility. If you haven't already seen the renderings, check out this gallery on CSNBayArea.com.
The second reason, and most important, is that I would have hated to see the city of Sacramento lose the team that has provided them with so many great memories. It's been over the 25 years since the Kings moved to Sacramento and they have had some pretty good teams during that time. Particularly during the late 90s/early 2000s when the team was constantly in the title hunt. It brought excitement and pride to the city of Sacramento, not to mention 354 consecutive sellout games for the Kings. Read more…
Did Alex Smith earn the right to be the 49ers' QB of the future?
First, let's all take a moment to reflect on how truly amazing the 49ers' 2011 season was. With their biggest moment, a 39-34 win over the Saints, putting them in the record books. San Francisco became the first playoff team in NFL postseason history to score two gaming winning TDs, one from the feet and the other the arm of Alex Smith, in the final three minutes to win.
Smith had arguably the biggest game of his career, on the biggest stage of his career, throwing for 299 yards and three touchdowns, including the game winner to Vernon Davis with nine seconds left. Pretty good numbers for a quarterback who has been labeled as nothing more then a "game manager" all season.
Even in the 49ers' season ending lost to the Giants, Smith threw for 2 touchdowns while, more importantly, having no turnovers. While he didn't lead the team to victory with a late comeback, he certainly didn't cost them the game either.The 49ers' magical 2011 run has made the fans reconsider the possibility that the number one overall pick from 2005 might not be a bust after all. The next question seems to be, did he do enough to be considered the 49ers quarterback of the future?


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Fastest Mobile Networks 2015
- Fastest Mobile Networks 2015
- Regional and National Winners
- Carrier and Network Profiles
- Whatever Happened to 3G?
- Testing Methodology
- Renting With Silvercar
- Atlanta, GA
- Austin, TX
- Boise, ID
- Boston, MA
- Charlotte, NC
- Chicago, IL
- Columbus, OH
- Dallas, TX
- Detroit, MI
- Houston, TX
- Kansas City, MO
- Las Vegas, NV
- Los Angeles, CA
- Miami, FL
- Nashville, TN
- New Orleans, LA
- New York, NY
- Oklahoma City, OK
- Philadelphia, PA
- Phoenix, AZ
- Pittsburgh, PA
- Portland, OR
- Raleigh-Durham, NC
- Salt Lake City, UT
- San Francisco, CA
- Seattle, WA
- St. Louis, MO
- Tucson, AZ
- Washington, DC
- Suburban/Rural Northeast
- Suburban/Rural Southeast
- Suburban/Rural North Central
- Suburban/Rural South Central
- Suburban/Rural Northwest
- Suburban/Rural Southwest
Carrier and Network Profiles
AT&T has focused on building a consistent, reliable network rather than achieving blistering top speeds. Without a single broad swath of spectrum to park giant LTE channels on, the company has been devoting various new frequency bands to making sure that its network never stalls out or feels overloaded. If you're experiencing extreme slowness on AT&T, look for a new phone with LTE bands 29 and 30, which combine with others to make sure your connections don't gutter out. AT&T's focus on reliability, and lack of very broad LTE channels, means that in most of the cities where it won, such as Charlotte, Oklahoma City, and New Orleans, it did so by dominating the consistency-focused parts of our speed score measurement.
The carrier's sales pitch for machine-to-machine and smart city applications also requires a strong 3G network, and AT&T is doing a good job of maintaining 3G as it prepares to turn off its 2G network in January.
Sprint is this year's big surprise. The carrier spent from 2010-2014 in the doghouse, started to come back in 2015, and now actually has a competitive LTE network, winning awards in Columbus, Las Vegas, and Seattle. Sprint's network isn't designed like any other: it's heavily biased for downloads over uploads. If we were just talking about download speeds, Sprint would have won San Francisco as well, which is just crazy. Since Sprint leans heavily on very high-frequency spectrum for its LTE network, it still has some coverage issues, and it hasn't accelerated to its maximum speeds nationwide. But it's great to see the carrier's comeback.
T-Mobile has maintained its runner-up spot from last year, although its performance declined a bit from 2015. We're chalking that up to the paradox of success: T-Mobile has been gaining customers by the millions, and all of their unlimited BingeOn video streaming and Music Freedom audio streaming has been clogging things up a bit. That said, performance was still excellent, and T-Mobile beat Verizon in nearly half of our cities. The carrier has also dramatically extended its suburban and rural coverage using its 700MHz spectrum, and looks to be doing a lot more of that next year, including notorious weak spots like the Mountain West.
Verizon continues to do basically everything right. While T-Mobile and Sprint have been crowing their heads off about network improvements, it turns out that Verizon has been quietly implementing many of the same advances. Verizon's 2x20 carrier aggregation and 4x4 MIMO match what T-Mobile has been trumpeting, and we see the results with Verizon's nationwide win. The only concern is that Verizon does not have a deep bench of unused spectrum, the way Sprint has a huge amount of 2500MHz available and T-Mobile has been buying up 700MHz around the country. The carrier could start to see congestion if usage continues to increase.
Most of the other carriers you hear about use one or several of these networks. The only exception is U.S. Cellular, which runs its own network but doesn't cover enough of our testing area to evaluate properly. Here's a quick cheat sheet:
Boost Mobile: Sprint
Consumer Cellular: AT&T
Cricket Wireless: AT&T
Google Project Fi: The better of Sprint and T-Mobile
H2O Wireless: AT&T
Lyca Mobile: T-Mobile
MetroPCS: T-Mobile
Net10: AT&T or T-Mobile
Page Plus: Verizon
Republic Wireless: Sprint
Ringplus: Sprint
Simple Mobile: T-Mobile
Straight Talk: Could be any, depending on device
TextNow: Sprint
Ting: Sprint or T-Mobile
The People's Operator: Sprint
TracFone: Could be any, depending on device
Ultra Mobile: T-Mobile
Univision Mobile: T-Mobile
US Mobile: T-Mobile
Virgin Mobile: Sprint
Walmart Family Mobile: T-Mobile
ZIP SIM (formerly Ready SIM): T-Mobile


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Smart Skin
Love your body's largest organ with these skin strategies.
Dr. Oz explains two dieting strategies to avoid after you've binged on sugary foods.
Dr. Oz describes how a sugar binge affects your liver, intestines, and pancreas. Plus, he gives tips on how to start cutting sweets out of your diet.
A viewer shows Dr. Oz how to make a DIY fruit fly trap using apple cider vinegar, dishwashing liquid, and a strawberry.
Dr. Oz demonstrates the steps that he and his wife Lisa take to wash vegetables in apple cider vinegar in order to kill bacteria.
The Pioneer Woman, Ree Drummond, shows Dr. Oz how to cook pasta with vodka sauce for guests during the holidays.
The Pioneer Woman, Ree Drummond, shows Dr. Oz how to make quick and simple cherry cheesecake shooters to serve to holiday party guests.
The Pioneer Woman, Ree Drummond, shows Dr. Oz how to make her 16-minute crowd-pleasing cashew chicken recipe.
The Pioneer Woman, Ree Drummond, shows Dr. Oz her tried-and-true cooking strategies to make her 16-minute cashew chicken flavorful and healthy.
Plan on indulging over the holidays? Easy steps to reverse a sugar binge in just one day. Plus, The Pioneer Woman, Ree Drummond, shares simple solutions for cooking for a crowd and her easy-to-make 16-minute meals that will become your lifesavers.
A fast food favorite and a big-box store struck with an E. coli outbreak: how it happened and how to keep your family safe.Click for more


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Archive for December 2015
Şehir Üni. Philosophy Talks 18 Kelly James Clark: God and The Brain
GOD and THE BRAIN: The Science of Mind and The Rationality of Belief / Unbelief
18 December 2015 Friday, 15:00
Sehir Üniversitesi, West Campus, Room 2008
Prof. Kelly James Clark
Senior Research Fellow at the Kaufman Interfaith Institute at Grand Valley State University
Are we hardwired to form our most precious beliefs? Cognitive science has shown that the human mind/brain is hardwired for god-beliefs. If there is a cognitive science of religion, though, is there likewise a cognitive science of irreligion? Recent psychological studies have shown connections between atheism and a cognitive good (inferential thinking), on the one hand, and atheism and a cognitive defect (autism), on the other. Does the former make atheism rational and the latter make atheism irrational?
* The conference will be conducted in English.
* Everyone is welcome.
Arda Denkel Festival at Boğaziçi University
Arda Denkel Festival: December 19–20, 2015
Arda Denkel was an excellent metaphysician and a profoundly influential figure in popularizing analytic philosophy in Turkey. Denkel was also a founding member of the Boğaziçi University Philosophy Department. Denkel died at 50, far too young, after battling brain cancer. To honor Denkel's legacy, the Boğaziçi University Philosophy Department will host the Arda Denkel Festival on the 19th and 20th of this month. And it will institute an annual Arda Denkel Prize. The first of these Prizes will be awarded at this month's Festival.
Both the speakers at the Festival and the winners of the Prize will be drawn from alumni of the Philosophy Department that Arda Denkel helped to create who have gone on to earn the PhD.
All are welcome. Registration is free—please email mark[dot]steen[at-symbol]boun.edu.tr if you wish to attend. The Festival Dinner will be free to all who register. All sessions are in New Hall 203 on Boğaziçi's North Campus.
Festival Schedule:
Friday evening, December 18
Informal gathering at Keçi, near the University's Etiler gate.
Saturday, December 19
10.00 – 11.15. Nazım Gökel. "The Lonely Walker's Guide to Representation: Object, Representation and Mind"
11.30 – 12.45. Pakize Arıkan Sandıkcıoğlu. "Fineness of Grain of Perceptual Richness"
2.00 – 3.15. Nazif Muhtaroğlu. "Al-Bāqillānī's Cosmological Argument From Agency"
3.30 – 4.45. Uygar Abacı. "Existence and Kant's Revolutionary Theory of Modality"
5.00 – 6.15. Barış Şentuna. "Death as 'So Near' and Death as 'So Far'"
8.30 – 10.00. Keynote talk. Çetin Eren
Sunday, December 20
10.30 – 11.45. Cem Şişkolar. "On the Content of Assertıons"
1.00 – 2.30. Keynote talk. Zeynep Direk
2.45 – 4.00. Alper Türken. "Hegel's Logic of Ought and the Origins of Normativity"
conference organizer: Stephen Voss: shvoss[at-symbol]gmail.com
Talk at Bogazici U., Julia Jorati (Ohio State), "Leibniz on Control, Weakness of Will, and Compulsion"
Please join us:
Julia Jorati, Ohio State
Monday, December 21st, 5-7pm
TB 130 (Anderson Hall 130)
Leibniz is a compatibilist: he holds that freedom is compatible with determinism. My paper examines Leibniz's responses to three problems that plague many compatibilists, namely (a) the problem of explaining in what sense free agents have control over their actions, (b) the problem of explaining what goes on in ostensibly weak-willed actions, and (c) the problem of distinguishing weak-willed from compelled actions. Leibniz explicitly discusses the notion of control—or, as he usually calls it, 'mastery'—and, this paper argues, he manages to make room for a meaningful and desirable type of control. For Leibniz, we possess control to the extent that our rational judgments and rational desires are able to influence our actions. He acknowledges that we sometimes lack direct control, namely when our passions are so powerful that they would outweigh even the strongest rational desire. Yet, Leibniz insists, there are indirect ways to control our actions; we can take steps ahead of time that reduce the influence of our passions drastically. Some of the resources that allow Leibniz to give a powerful account of control also allow him to acknowledge a form of weakness of will. That is surprising because he holds that all intentional actions are determined by what the agent perceives as good. Moreover, Leibniz can capture the difference between weakness and compulsion—another notoriously difficult problem for determinists.
Two Events, Kelly James Clark (Kaufman Interfaith Institute,GVSU)
Please join us at Bogazici University for two events with Kelly James Clark, Senior Fellow at the Kaufman Interfaith Institute.
Workshop: The Cognitive Science of Alliance and Conflict
The cognitive and evolutionary science of religion argues that religion played a crucial role in securing human cooperation. Big Gods were essential to the development of increasingly larger non-kin human groups. Thus, alliance. Yet the very cognitive dispositions that create, define and shape in-group likewise create, define and shape out-group. Thus, conflict.
1-3pm, Wednesday, December 16
TB 130 (Anderson Hall 130)
Talk: God and the Brain: the science of the mind and the rationality of belief/unbelief
Are we hardwired to form our most precious beliefs? Cognitive science has shown that the human mind/brain is hardwired for god-beliefs. If there is a cognitive science of religion, though, is there likewise a cognitive science of irreligion? Recent psychological studieshave shown connections between atheism and a cognitive good (inferential thinking), on the one hand, and atheism and a cognitive defect (autism), on the other. Does the former make atheism rational and the latter make atheism irrational?
5-7pm, Wednesday, December 16
location: M 1171
December 17: Seminar by Marwan Rashed on the Interaction between Commentator and Translator in Greek and Arabic
Marwan Rashed (Université Paris-Sorbonne (Paris IV), UFR de Philosophie & Centre Léon Robin) will be giving a seminar in English at Galatasaray University on December 17th. Below are the details as well as information from two other sessions in French.
Programme :
– 16 décembre, mercredi, 9h-13h (Salle 323): Groupe de lecture du De anima d'Aristote)
– 17 décembre, jeudi, 17h-19h (Salle E. Teziç): Seminar on the Interaction between Commentator and Translator in Greek and Arabic.
– 22 décembre, mardi, 10h-13h (Salle 322): Atelier de paléographie grecque
Première rencontre du projet géré à l'Université Galatasaray dans le cadre de l'accord entre le CNRS et TÜBITAK – « Une analyse comparative et critique des conceptions de l'âme d'Aristote et d'Avicenne »
Contact: Burak Şaman, email@example.com (0542 551 45 01)


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by Rabbi Donald Kunstadt
Debating what movie to watch Saturday night, I was glad we did not follow A. O. Scott's review in the New York Times of Life of Pi. IMBD rated it quite highly, so we went with that opinion.
I am certainly thankful we went with the latter. Having studied religion at Berkeley, I found the entire movie a delight of open-minded religious synergism that I only wish was shared by more people in the world. Unfortunately it is not, and what is more, world opinion seems to be only intensifying in the opposite direction, toward greater religious ethnocentricity.
See the movie for the delightful play of cinematography and metaphor. It is the story of Pi, who, as a boy coming from a Hindu background, finds the god Jesus in a church, and explores Islam. He finds kindness from a Buddhist sailor, as the family embarks on an ill-fated freighter journey with the family's zoo in tow. They cross the Pacific on a ship fascinatingly called Tsimtsum. To many, the ship's name would mean nothing, or they would guess it is Japanese, coming from the freighter's country of origin.
Tsimtsum, however, comes from the Kabbalah, the Jewish mystical tradition popularized in the 16th century. The word explains that tradition's teaching on cosmology: the Infinite One, Ein Sof, at one time filled all, but in an act of self contraction, made room for the world as we know, filled with both good and evil, and free will. It is a nice conception that actually could, in some ways, be related to modern theories of cosmology such as variants of the big bang. When I saw that name Tsimtsum while watching the movie, I was pleased. The bad news is that the ship sinks. The symbolism is delightfully open-ended.
See the movie, and pay attention to the symbols, at least with more detail than the New York Times. If only world religions, and more importantly their often radicalized followers, could learn to reason with the mind of Pi.
Rabbi Donald Kunstadt serves as the rabbi of the Springhill Avenue Temple in Mobile, AL, a position which he has held since 1987.
Originally posted at Finding Meaning


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Two of the most iconic characters of Star Wars are to feature in a new advertising campaign for PC World and Currys.
Droids C-3PO and R2D2 are to star in both print and television adverts, with Anthony Daniels reprising the role of C-3PO once more.
The adverts have been created by M&C Saatchi and have the tagline: "Discover the greatest electrical store in our galaxy."
Space race
Speaking about the advertising campaign, Niall O'Keefe, UK marketing director for Dixons Retail, explained: "Our Megastores offer the largest selection of electricals in the UK, and we wanted to create a partnership that would truly represent the size and scale of the shopping experience a Megastore delivers.
"Who better than C-3PO and R2-D2, arguably two of the most well-known characters in film history, to showcase exactly how vast our Megastores really are – we believe they are unrivalled throughout the galaxy."
He obviously hasn't been to Galaxy Electrics this side of Uranus.
The first televised adverts will be show in the middle of X Factor this Saturday (23 October).
So you can watch the Star Wars cash cow get milked once more and Wagner all in one weekend!
We don't know how we will contain ourselves.
Via Brand Republic


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NFL Playoffs and the Super Bowl
After the regular football season, the NFL schedule moves into the playoffs, which ultimately lead up to the Super Bowl. In regular-season games, teams compete for the best win-loss records, and those teams with the best records advance to the playoffs. The playoffs, meanwhile, decide who goes on to the Super Bowl.
The NFL schedules all those regular-season games — 256 in a typical season — to separate the good teams from the bad. On every level of sports, people want to declare a champion. In the NFL, a total of 12 teams qualify for what amounts to the road to the Super Bowl.
The Super Bowl is the NFL championship game. It pits the winner of the AFC against the champion of the NFC. The game was born out of the merger agreement between the former AFL and the NFL in 1966.
Six teams from each conference qualify for the playoffs, with the four division winners qualifying automatically. These winners are joined by two teams called wildcard teams, who qualify based on the win-loss records of the remaining teams in each conference that didn't finish first in their respective divisions.
The two division winners with the highest winning percentages host second-round games, skipping the first round of competition. The third and fourth division winners host the wildcard teams in the first round.
The winners of the two wildcard games advance to the second round of contests, called Divisional Playoff games. The lowest-rated wildcard winner plays the division winner with the best record, and the other wildcard winner plays the division winner with the second-best record. Both division winners enjoy home field advantage, meaning that they host the games.
For the Conference Championship games (the third round), any surviving division champion automatically hosts the game. If two division winners survive, the team with the better winning percentage hosts the championship game. If the two surviving teams have identical records, home field is based on how the two teams performed in head-to-head competition during the season, and then on who had the best winning percentage in conference games.
The Super Bowl is such a huge television and fan attraction that cities routinely bid for the game, offering to defray many of the league's expenses for hotels and travel. In fact, the Super Bowl is so large that cities are selected three to four years in advance. This gives the cities the necessary time to prepare.
In the two weeks between the two conference championship games and the Super Bowl, plenty of hype and hoopla about the game arises. The two teams usually arrive in the host city on the Sunday prior to the game, along with more than 2,500 members of the media. The event has a national flavor to it.
With ticket prices from $500 to $700, and most fans paying five times that amount via ticket scalping, the Super Bowl has become more of a corporate event than a bastion for hard-core football fans. You almost have to be somebody important or know somebody important to attend. The Commissioner's Party — which owners, coaches, and NFL executives attend on the Friday night prior to the game — is an even tougher ticket to acquire.


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My big sister runs a rather popular Instagram page with a following so large she could populate a small city with it.
Problem is, she's been having a bit of a hard time milking that Instagram page for it's cash.
Here's the scoop. Big sis has been trying to set up the page as an advertising platform for interested service providers in the weddings space.
As it stands, she's offering ad space at a discounted rate to build a portfolion of data, results and case studies ( she's smart I tell ya ! )
She hasn't has that much trouble generating leads for her platform. It's in closing the deal, where she seems to be ramming into a roadblock.
Just recently one of the prospects she was negotiating an advertising deal with gave her an interesting objection.
She asked:
But why are you so cheap?
See what happened there?
Perfect example of a sceptical customer who thinks the deal is too good to be true. She was probably expecting a catch in the deal. Or a few hidden terms in the contract.
You know what the sad part is?
This objection is far more common than you think.
If you have a great product your prospect clearly know is valuable… then it's going to be hard for them to accept it having a low price without a good reason.
Your customers ain't idiots.
They've spent their lives hearing horror stories of poor bastard getting ripped off after thinking he got a good deal.
After hearing all those, the last thing they'd want is to fall for the same scam themselves.
That's all for today.
Till the next wave of madness.
PS Yes, I did give her some advice on how to handle this objection. I'm actually about to follow up on her to see how it went.
And, if you want me to use the same strategy to beat the "You're too cheap" objection to your sales, then let's set down for a strategy session. And see how we can put your copy on steroids.
Hit me up over at:
Or email me at:
jaymakoni [at] outlook.com
and let's schedule a skype call.


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'Seize the day' call to businesses to help champion Grimsby's regeneration
1st June 2018
DRIVING forward Grimsby's regeneration agenda was the theme of a high-powered dinner attended by senior business figures with leaders of the town's partnership board.
Held at Healing Manor Hotel, leaders of the regeneration push there included Grimsby's top entrepreneur, David Ross, who chairs the board, as well as Lord Bob Kerslake, former head of the Civil Service, North East Lincolnshire Council leader Cllr Ray Oxby and chief executive Rob Walsh.
Hull and Humber Chamber of Commerce chief executive Dr Ian Kelly, who hosted the event, highlighted how Mr Ross' grandfather, Carl Ross, had been chamber president in 1948 and was also, like David, a deeply committed business leader to the town's regeneration.
Attendees agreed the need for a multi-pronged approach to Grimsby's regeneration which included the requirements for closer education links into business and a stronger "brand" offer from the town to inward investors. It was noted that the current regeneration proposals hinged on winning a £36.9 million bid from the Treasury which would act as a catalyst and multiplier for further private sector inward investments to come.
It dovetails into the Heritage Action Zone work on the Kazbah to the north of the town centre, improving the core area between there and the Riverhead, where a new cinema is to emerge, including Victoria Mills and surrounding waterfronts.
Business leaders from ABP, Phillips 66, Seachill and the Humber LEP were among those attending, who felt there was now a strong consensus for the town to "seize the day" and keep the renewables momentum going forward with this new regeneration proposal to Government.
Dr Kelly said: "David Ross and Ray Oxby were clear that the regeneration board needed to take its message and ideas out to business and that has now been successfully done.
"I received a note from Lord Lamont who also sits on the board and is strongly championing the current Grimsby regeneration agenda. With key high-powered supporters also advocating the town we should all now try and do our bit to promote Great Grimsby's great opportunity for a better future."
The evening closed with Steve Bennett and Charlotte Hay giving members an insight into their own regeneration project as joint managing directors of Healing Manor Hotel.
Members wished them well and the hotel every success, having initially joined as consultants last August.
News Courtesy: www.humberbusiness.com


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I ask you:
Who, when faced by me, runs? Because I wonder if these writings are even palatable. Perhaps too faithful/faithless, and both are terrifying. Quick thoughts I scribble down in sentimental ink, and never think about it.
Here is where I write to breathe. This space. To stop is to suffocate, to exact my own execution. To hang, full limp, like unavailing sex. To hang.
But to keep words in treasure chests, between underwear in drawers. To invite the sordid verb beside the fire for marshmallows. To sing—in words that are chords and symphonies of letters. To write, plain simple. To write.
Is, for me, to live.
Please do not run: I have forgotten how to apologize for breathing.
Don't change a thing.


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the Domino bed has a fabulous padded headboard covered in fine Italian wool, with a Tobacco Oak frame also topped with Italian wool (both in cream). The Domino has fabulous matching bedside cabinets & chests in a huge variety of lacquer & wood colours & the bed itself is also available in with a fully wool covered frame.
Domino Short Bed with Kelly Red Wool cloth bedframe & set
Bedroom made in Italy
Domino Bed with Black Pony Bedframe and set


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Newquay Trenance Bowling Club provides the opportunity for people of all ages to enjoy the outdoor sport of Flat Green Bowls. New Bowlers and visitors are most welcome. Please contact the secretary.
The 2017 Opening Day is on Saturday 15th April from 1 p.m. when members of the committee will be available to answer any questions about the club and the Treasurer will be available to take subs, £75 or £10 associate membership. Weather permitting the green will be open for use from 15th April commencing with a full club photograph in whites and our Men v Ladies Match at 2 p.m.
This year our Bowls Tour with Daish's Holidays takes us to Bournemouth in late April.
During the season our club members compete in Inter Club,County & National Competitions as well as Club Competitions and Mixed Friendly Matches against other Clubs within the County and Touring Clubs from other parts of the Country. We also run a weekly Umbrella Competition on Wednesday and Friday mornings 10-12 noon for full members.
Our 8 day Annual Open Tournament this year will run from Saturday 26th August to Saturday 2nd September 2017 with prizes exceeding £700 to be won.
Opening Day photo 2015 curtesy of Cornwall Photos and Newquay Voice.
Newquay Trenance Bowling Club
The Green
Edgcumbe Avenue
Register to view full contact details


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With thanks to the European Committee for Homeopathy 16.1.13:
From http://www.homeopathyeurope.org/media/news/newsletter-16-january-2013/italian-homeopathic-doctors-on-their-way-to-regulation Last month the Conference of the Regions and Autonomous Provinces in Italy approved a document on the regulation of education and training in homeopathy, acupuncture and herbal medicine for medical doctors.
The document was produced in close cooperation with the Italian Medical Council FNOMCeO, along the lines of a previous similar agreement in Tuscany and proposed by the interregional Technical Group for Complementary Medicine. It was the main hurdle to pass on the way to a national regulation. Now it is up to the State-Regions Conference to approve the agreement, probably early this year.
The agreement stipulates that doctors specialised in one of these therapies should have taken a minimum of 500 hours of theoretical and practical training over 3 years, in addition to individual study and tutoring. Also learning objectives, teaching methods, teacher training and transition rules are part of the agreement.
The assessment of qualifications for admission to the registers will be entrusted to special committees of experts nominated by the Medical Council. The accreditation of teaching institutions (public or private) will be issued by the Regions.
There are more than 20,000 doctors in Italy practising homeopathy, acupuncture and herbal medicine, while around 20% of the population use these therapies.


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Replacing the injured Nate Longshore out with an ankle injury suffered in the previous weeks thrilling victory over Oregon, Kevin Riley was on the biggest stage of his life with a chance to shine and make a name for himself as a redshirt freshman. In his first game as CAL's starting quarterback against Oregon State in 2007, Riley seemed to be doing just that- playing with poise and completing 20 of 34 passes for 294 yards and two TD's. Finding Lavelle Hawkins for his second TD of the day on a long 64 yard pass with 2:31 left, Riley gave the Bears just enough time to get the ball back and drive down the field to put themselves in scoring position down 28-31. Ranked #2 nationally going into the game, earlier in the day #1 LSU had fallen in triple overtime to Kentucky, leaving the #1 spot for the taking if Riley and the Bears could pull of the come from behind victory. In field goal range with the ball at the 12-yard line, CAL looked like it would send the game into overtime and take advantage of the momentum and their home field to secure the win and with it the prestigious #1 ranking.
What would follow would be a play that would forever taint Riley's legacy and leave loyal CAL fans shocked and disappointed once again. Suddenly, the poised and talented young QB we had watched for the entirety of the game came up short when it was all on the line. Failing to throw the ball away and settle for the chip-shot field goal, he tried to scramble for the endzone and was sacked. As the field goal unit tried to hurry onto the field to get the kick up in time, we could only watch as the seconds slowly ticked off the clock and Coach Tedford angrily slammed his headset to the ground in frustration. Although immediately painful, the aftermath of it all would prove to be exponentially devastating. With the loss, CAL would begin a slide that would result in 6 losses out of their final 7 regular season games, including losing the coveted Axe to Stanfurd after holding it for 5 years.
Although only those inside the huddle on that day can know exactly what was said before that play, I put the blame on Tedford for not preparing the young quarterback for what would ensue. As the head coach and supposed "quarterback guru" it is your job to manage the game and make it clear that if the throw was not there Riley needed to throw the ball away immediately. Whether this was mentioned or not I do not know, but the result on the field displays the lack of preparation and communication that was needed in such a critical time. From the very beginning, Kevin Riley was doomed for failure. Beginning his career with that play haunting him, I don't think that Riley was ever able to escape the nightmares and dig himself out of the hole he found himself in following the painful loss. Whether it was his own mental block, a strained relationship with Coach Tedford, a lack of playmaking receivers around him, or just a plain lack of playmaking ability himself is unclear. However, what is clear is that the "Riley Era" will forever be remembered as a painful time for CAL Football. Capped with last years embarrassing season and the failure to make it even to one of the many lackluster bowl games they put on these days, the "Riley Era" is a time that CAL fans would like to put behind them this season and begin anew.
With Tedford naming newcomer Zach Maynard as the starting quarterback this Spring (much earlier than he has in the past), CAL fans have the opportunity to rally behind a new face at the helm after these past few years of frustration. But will Maynard provide the playmaking ability and leadership that Riley was unable to do in order to lead the Bears into prominence in the newly formed Pac 12? We will have to wait to see just exactly what he can do this season, but there is reason to believe that this could be the answer we have all been waiting for. No, Maynard will not throw the ball with the authority that former CAL greats Aaron Rodgers and Kyle Boller did, or even look the part of the tall, built quarterback like current backup Brock Mansion (maybe that's a good thing), but he brings assets like experience, mobility, and leadership to the table that the other quarterbacks lack.
A transfer from Buffalo where he was the starter in just his sophomore year, Maynard has Division 1 experience, which is something that his backup Alan Bridgford lacks and third string veteran Brock Mansion can only half-heartedly claim. In his time as a starter there in 2009, he completed 57.5% of his passes for 2,694 yards with 18 TD's and 15 interceptions. Although the number of interceptions is a bit high, look for Maynard to settle down in Tedford's offensive scheme and learn to be more careful with the football. In a lot of ways, it is up to Tedford to mold the young quarterback and improve his mental game. If you still believe in Coach T, this will be a good barometer to test just how effective he is as an offensive mind and quarterback specialist. Over the Spring and into fall camp, Maynard has gotten a lot of reps with his brother Keenan Allen and standout Marvin Jones, the starting receivers for this year. They have developed a lot of chemistry and gotten to know each other's strengths and tendencies, so look for both Allen and Jones to have strong seasons as Maynard's favorite targets.
Probably Maynard's most valuable asset is his mobility. At Buffalo, Maynard was the team's third leading rusher with 300 yards. With Isi Sofele taking over for current New England Patriot, Shane Vereen, Maynard's mobility could be a perfect complement to the running game. While Sofele has proven that he can take the hits and run the football effectively, a lack of depth behind him could mean that Maynard might need to assume more responsibility in the running game. I still have faith in Running Backs coach Ron Gould to develop a tough, disciplined, and fundamental group of runners, but reaching the 1,000 yard mark for Sofele could be difficult. If anybody can do it, however, Coach Gould is the man for the job. Although it pained me to watch Riley run down the line for the option play, I wouldn't mind watching the combined athleticism of Maynard and Sofele running the option in tandem to pick up big chunks of yardage. A big test for Maynard will be to see how he balances his role as both a passer and a rusher. If CAL will be successful, he will have to learn when it is opportune to run and when he must be patient and allow his routes to develop. Everyone wants to get their Mike Vick on, but there is a time and place for it within Tedford's offense.
The third asset that Maynard brings to the table is his leadership. In just a short time working with the team during the Spring, he was able to make himself at home and be vocal with his teammates. He possesses an intensity and focus on excellence that seemed to be lacking at the position over the past few years. Throughout Fall Camp, he has built upon his leadership and has asserted himself as the leader of the offense. For an offensive unit that has been lacking in consistent play, often times looking confused and offbeat, a strong leader will be key to organizing the unit and demanding that they be accountable for learning and buying into Tedford's offensive scheme. There were far too many times last year when receivers would line up incorrectly, or would even run the wrong route on a given play. Hopefully, with fresh, young leadership on the offensive side of the ball, the Bears will be able to get the kinks out that have handcuffed the offenses in the past and revive the scoring machine that once thrived years ago. Look for Passing Game Coordinator and Receivers Coach, Eric Kiseau, to get back to the basics of route running and fundamentals to reinvigorate the passing game as well.
Overall, there is a lot to be excited about. With the end of the "Riley Era" comes a new beginning and a chance to write a new chapter in the legacy that is CAL Football. With Zack Maynard, CAL adds a quarterback with experience, mobility, and leadership as it makes a run at redemption after a poor showing last season. With Maynard behind the helm and a refocus on fundamental football from the coaching staff, look for a new and improved CAL offense to surprise the PAC 12 and make CAL fans forget the past few years of pain and disappointment.


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Here is the link to the birth story post I wrote for blogger The Mule. I discussed the emotions stirred up by recounting birth yesterday
Her blog is on my blog roll and can be found here. She has always been supportive and kind to me, whilst producing a provocative, poetic, thought provoking body of work herself including activism, musing, challenges, calls to arms, questions and genuine celebrations of women, mothering and birth.
Interestingly I realise it is the first time I've written out Newborn's birth in one go. For the record, it really did go that fast.
You get some brilliant TS Eliot too, for your trouble if you visit it – such a wonderful piece of work I feel quite ashamed of what's below!


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Because sometimes you just need reminding. Today's post is dedicated to my bestest Suz. She is pretty darn wonderful and I wish to spend forever with her. I read that quote from SATC 'Maybe our girlfriends are our SOULMATES and guys are just people to have fun with.' and I could not agree more.
So this lovely quote is for her... because she IS wonderful and she DOES have to believe that.


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Why is a properly fit bike important?
Anyone who has ever ridden a bike could probably make the necessary adjustments to their bike to get them to their destination. However, will those adjustments be the right ones the place your body in the most optimal position to succeed? Any time we move as humans our muscles contract and use our bones as levers to create movement. When we break things down to a microscopic level our muscles contract based on something called the "sliding filament theory". As indicated by the name, there are muscular components called Actin and Myosin which simply slide past one another when a muscle contracts. In order for optimal force to be delivered during each muscular contraction, the theory states that muscles must be at a certain length to have this maximum force distributed. The entire goal of the SMC bike fit is to align your muscles and joints so that you are in the best possible position to deliver maximum force and power through each pedal stroke.
Not only will a proper bike fit put you in a biomechanically optimal position to deliver maximal force but it will also improve rider aerodynamics, reduce the likelihood of injury, improve power and efficiency and increase your comfort while riding. Combined, all these benefits will ultimately improve race times and enjoyment for all cyclists.


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Let me get this straight...
It isn't bad enough that Oliver Perez gets $12M a season and Luis Castillo gets $6M per, and neither man contributes a damn lick to the Mets on the field.
But apparently these two have something against contributing to the organization's effort off the field as well -- according to reports, the duo, along with Carlos Beltran, no-showed a team outing to the Walter Reed Army Medical Center to visit wounded soldiers.
This after a team meeting Monday where the Mets implored players to make the trip, Adam Rubin of ESPNNewYork.com is reporting.
While Beltran told media members he had a meeting with his foundation about building a school in Puerto Rico -- probably still unacceptable, but at least not insulting -- get a load of these explanations, courtesy of Rubin:
"You see people with no legs and with no arms, being in a hospital like that, I don't like to see that,"Castillo explained.
"I don't answer anything about outside the stadium," Perez told reporters.
Are these guys kidding me?
Barring some legitimate excuse neither wanted to share, they are basically stealing money from the Wilpons and they can't spend some time cheering up maimed soldiers when specifically asked to do so by their employers?
They can't hang out with their own teammates on an excursion?
Seems like everything that's wrong with the 2010 Mets to me.
Does management really want this pair around young players and a supposed fresh start next year?
Kudos to ownership for doing what they can for those who've served our country through the Welcome Back Veterans program.
Now it's pertinent for the Wilpons to show these two jackasses to the door -- whether it be by trade or release.
Do it for the vets, the Mets and every fan offended by what's been going on with this team.
Ya gotta believe


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Los Angeles
October 11-14, 2016
with Sue Mohrman and Chris Worley
The Advanced Topics workshop entails pre-reading, a project requiring participant design case preparation, and peer and faculty consultation about company projects.
Download the flyer for this program and the entire Certificate in Organization Design program.
This program includes deeper exposure to the following topics:
Design Topics
- The Global Organization
- Designing for Innovation and Growth
- The Knowledge Organization
- Support Services
- Mergers and Acquisitions
Design Processes and Implementation
- Organizational Design Processes / Frameworks
- Implementation of New Designs
Participant Case Analyses and Peer Consulting
What Participants Say About the Workshop
- "This has been a great seminar. There was no part of any day that wasn't a 5 rating and extremely interesting throughout."
- "The Advanced Topics Organization Design Workshop anchored my learnings about organization design. Application of the fundamentals from the first session to a back-on-the-job case brings deeper understanding and skills."
- "One-on-one coaching and feedback ensured I was supported at each step. Learning from peers in multiple industries helps you see the core of the work, and it also developed great relationships that endure to this day."
- "The Advanced Topics Workshop pulled together the real-life application of skills to a business situation. Overall, one of my best professional development experiences ever."
- "I truly enjoyed this seminar. It gave me a chance to examine the complexity and systems view of my organization."
$7,250 per person / Sponsor Companies
$8,500 per person / Non-Sponsor Companies
Registration is Limited
- Please contact Alice Mark for registration information (email@example.com or call 213-740-9814)
Team Discount
For this workshop, teams of 2 or more people working on the same project receive a 15% discount. Contact Alice Mark for details.
Portofino Hotel, Redondo Beach, CA (Los Angeles area). Special room rate: $199 per night (Hotel reservations should be made by the participant – call 800-468-4292. Must mention "USC CEO Organization Design" to receive special rate.) Hotel reservation deadline is September 11, 2016. Get more hotel info…
Cancellation Policy
On or Before 8/11/16
- The cancellation fee is $1000.00.
After 8/11/16
- If you have paid half of your registration fee when you cancel after 8/11/16, there will be NO refund.
- If payment in full was received, 50% of the fee will be refunded or available for carry over.
Other Considerations
- To apply a registration fee that has been carried over: The current seminar rate will prevail at the time of re-registration; The difference in fees between the amount carried over and the current rate will be charged to the participant. There are no refunds once a credit has been carried over.
- If you are unable to attend, you can avoid cancellation fees and/or the limitations of re-registration if you choose to send a substitute from your company.
- 3 CEUs
- Course #: CEO-002
- Faculty: Sue Mohrman and Chris Worley
Additional Questions?
Event FAQ
Email the program manager, Alice Mark, or call (213) 740-9814


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The 2020 program will be published in December 2019. You will be able to register for activities at the beginning of 2020.
Vacation RecreationCopyright: Equal Opportunities Office
|O1 – Lights and Sirens!
|April 15 to 18, 2019
|Fully booked
|O2 – Wool & Co.
|April 23 to 26, 2019
|Only few places left
S1 – Sports & Games
|July 15 to 19, 2019
|Fully booked
S2 – A Week Full of Energy!
July 22 to 26, 2019
|Fully booked
S3 – A Magical Week, Bewitched and Enchanted!
|July 29 to August 2, 2019
Fully booked
For children between 8 and 13 years of age
H1 – A Knight for a Day: Fun & Games in the Middle Ages
|October 14 to 18, 2019
|One place left
|H2 – Roving Reporter
October 21 to 25, 2019
|Fully booked
University Adventure Playground - What is that?
- work
- +49 241 80 96567
- Send Email
University Adventure Playground is a holiday recreation service for the children of RWTH Aachen and Uniklinik RWTH Aachen members and students. The RWTH Aachen Family Services Center initiated this service to give employed and student parents the possibility to have their children compentently supervised during the Easter, summer, and fall breaks.
The program is designed with children ages six to eleven in mind, and it is targeted towards sports enthusiasts and adventurous children who want to experience something special during the break. Each week has a different topic: The children will be researching, playing, crafting, discovering and doing sports. Some of the topics are related to RWTH Aachen University and its institutions and faculties.
It is also possible to form integrative groups including children with disabilities. Please contact the Family Services Center for more details. Please note, however, that we cannot supervise children who cannot climb stairs or are in need of nursing support, as our facilities and restrooms are not fully accessible for the disabled.
We will send you the final details about the week that you booked two weeks before the program starts.
Daily Schedule
Children and their supervisors go on exciting discovery and experience tours in the Meuse-Rhine region ("Euregio") and within our university during the supervised period.
You can drop off your child between 7:30 and 8:30am at the agreed meeting point. The program ends at 4pm. If you need to pick up your child at an earlier time on a specific day, please let us know in advance.
An adventure playground day starts with a collective self-made breakfast. Excursions and games start afterwards. At lunch there is either a warm meal prepared by the participants, a meal at one of the Student Services canteens or cafeterias, or a self-packed lunch for on the road.


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Maybe you take it for granted, but this little girl knows a good poop when she sees it. She spots her dog doing his business and sees fit to walk over give him a pat on the back and congratulate him on a poop well done. What can I say, the kid recognizes a good effort when she sees it.
Source: afvkids
Yes, good job indeed, dog. I see more poops and treats in your future.


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Jon Cotton has been selected to chair Medicaid Health Plans of America, a national association that represents providers of the federal program.
Cotton, who became corporate president of Detroit-based Meridian in August, will be responsible for strategies to improve Medicaid. He has nearly two decades of experience in the managed care industry, a news release said.
The new chairman said he wants to revamp Medicaid to make services more efficient.
"Medicaid is a target for a number of significant changes addressing efficiency, sustainability, eligibility, and accountability, to name a few," Jeff Myers, president and chief executive officer of MHPA, said in the release. "Jon's vision of how to improve the program for plans, their state partners, and most importantly, the enrollees, will benefit not only these stakeholders but the health care system overall."
Cotton, who has a bachelor's degree from DePaul University and an MBA from Kennesaw State University, will replace outgoing chairman Erhardt Preitauer, the association said.
Cotton is one of several members of the family that owns Meridian, founded by his father David Cotton, M.D., and his mother Shery in 1997. He was a Crain's 2015 Newsmaker of the Year.
The Medicaid association serves 136 commercial and nonprofit plans that reach 30 million people across most states, the news release said.
Crain's placed a request for more information with the health care group.


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Gerson Lehrman Group, Lead Generation Associate, Application Deadline, BTT Gateway Job ID 8723
Fri, August 15, 2014
Explore this position and apply via your BTT Gateway account, Job ID 8723
Position Overview:
The Lead Generator Associate position focuses on providing support research to the Research and Recruiting teams, for identifying and locating subject-matter experts to be recruited into the GLG expert network.
Research is the engine of GLG. Our Research and Recruiting teams connect clients to valuable human insight, drawing from a broad pool of subject-matter experts, including premier thought leaders and shapers of industries from around the world. Working in teams across a variety of industries, our Research and Recruiting teams become experts on our experts, helping our clients access the knowledge they need to support their research topics.
Job Purpose Provide support assistance to Recruiting and Research in identifying and locating suitable subject-matter experts, utilizing reputable and available search resources; ensure quality match of subject-matter experts leads with client requests; preserve and maintain GLG´s Compliance framework while identifying potential experts; support the pipeline of appropriate, on-target expert leads to connect with GLG´s clients.
Key Responsibilities:
• Identifies and locates suitable subject-matter experts to be recruited into GLG´s expert network
• Develops working knowledge of relevant industry dynamics
• Protects the integrity of GLG´s Compliance framework
• Works collaboratively in industry-segmented partnerships to develop knowledge of client needs and identify lead generation opportunities
• Masters client research workflows and objectives
• Oversees and manages lead generation process to ensure satisfactory delivery
• Possesses business acumen, time-management skills, professionalism, and communication skills
• Works collaboratively with Research Managers, Recruiters, Account Executives and Recruiting Manager to effectively carry out lead generation responsibilities.
Required Skills:
GLG attracts employees from the most distinctive professional and academic backgrounds. Across all of our positions, we insist upon excellence, integrity, creativity, and professionalism.
For this position, we seek applicants with bachelors or masters degrees from top-tier colleges or universities, between 0 to 3 years of professional experience. The following factors will strengthen an applicant's candidacy:
• Superior communication and interaction skills, including demonstrated oral, written and presentation abilities; • Demonstrated commitment and attention to detail, ideally in a high-volume, high-quality, fast-paced environment; • Strong problem-solving skills; • Passion for fast-paced learning, especially in a technology-enabled environment; • Critical thinking skills and general understanding of business structures; • Ability to communicate and manage relationships across the full professional spectrum including senior colleagues and extremely senior outside professionals; • Undergraduate or graduate GPA of 3.3 or better; and • Interest in building a business and in all business-building related activities.


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In celebration of Paul Gauguin's birthday today, we thought we would revisit one of Uncrated's first blogs from August 2010 exploring the conservation work on the DMA's "Under the Pandanus" painting by Gauguin.
The best days in a curator's professional life are often the days spent in the conservation lab. That's where we get to spend quality time with works of art and talk to conservators, the fantastically knowledgeable people who can look through a microscope or infrared scope and tell you the life history of an object. I was lucky enough to spend several hours in the painting conservation lab of the Midwestern Art Conservation Center (MACC), a private conservation center housed at the Minneapolis Institute of Arts (MIA). I was there to confer with conservator David Marquis just before he begins cleaning an important painting in the DMA's collections, Paul Gauguin's Under the Pandanus, also known by its Maori title I Raro Te Oviri.
Gauguin painted Under the Pandanus in 1891, a few months after he arrived in Tahiti for the first time. Sometime later, possibly the next year…
View original post 433 more words


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Vision Hero Ambassador
In 2008, when Jeremy's life suddenly went dark at the age of 19, his world did not stop. Rather, Jeremy transformed the challenge into an opportunity. Carmel Valley resident Jeremy Poincenot is an inspirational speaker, blind golf champion, and Vision Hero Ambassador for The Vision of Children Foundation.
A rare genetic disorder – Leber's Hereditary Optic Neuropathy – rendered Jeremy legally blind when he was a sophomore at San Diego State University. He was quickly connected to the support and resources of The Vision of Children Foundation. "Their mission is to cure hereditary childhood blindness and other vision disorders, and to improve the lives of visually impaired individuals and their families," Jeremy explained. As he travels the country speaking as the organization's ambassador, his message is universal. "It's inevitable that we will all face obstacles, some are minute and some are so daunting we don't know how to proceed. I've learned that how you face these obstacles will determine your happiness and your character. That's the message I strive to get across through my speaking engagements," Jeremy acknowledged. "I enjoy having the opportunity to provide inspiration because I see myself as just a guy doing normal things, who happens to be blind."
Name: Jeremy Poincenot
Community: Carmel Valley
Volunteer Affiliation: Vision of Children Vision Hero Ambassador and C.U.R.E Ride (Cycling Under Reduced Eyesight)
Occupation: Inspirational Speaker and Blind Golf Champion
Website: www.jeremypoincenot.com
The "normal things" for Jeremy include traveling, golfing, and biking. "Every year since I became legally blind, my friends and I have conducted the C.U.R.E. (Cycling Under Reduced Eyesight) Ride. We ride from Santa Barbara to San Diego raising money for research for hereditary vision disorders and awareness of blindness," he stated. Jeremy completes the ride as part of a tandem team.
His true passion, though, is golf, which he played competitively in middle and high school. Jeremy admitted, "When I lost my sight I was devastated thinking that I would not be able to play golf again." Then he learned of the United States Blind Golf Association. He acknowledged he was skeptical and hesitant at first. "Then I decided to give it a shot. And from the first round, I realized that nothing is impossible." He travels with his father who has been his golf partner and serves as his guide and teammate.
Today, as the Vision Hero Ambassador, Jeremy's resume is brimming with tournament wins, long distance cycling tours, and speaking engagements. "Through these activities I've been able to raise awareness for blindness and the challenges those of us with limited sight face every day."
Group: The Vision of Children Foundation
Mission: To cure hereditary childhood blindness and other vision disorders, and to improve the lives of visually impaired individuals and their families.
Phone: 858-314-7916
Website: www.visionofchildren.org


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A Hearty Brekkie and 5 Gorgeous Beaches in a Day
Next to the Sydney Opera House, a visit to Bondi Beach is probably second on my list of things to see and do in Sydney. I spent about a month in Sydney around winter time on my first visit to Australia but I wasn't keen on beach hopping at that time due to the cold weather, so I put off my visit to one of the world's best surf beaches even though I have been dying to see it for so long now. I reckoned it would be more interesting to visit Bondi Beach and other scenic beaches around Sydney this time of the year when more sun and surf worshippers are out basking under the Aussie summer sun and riding the huge waves. Don't get me wrong though, I wasn't after the topless sunbathers or the bronzed six-pack abs. It's just the pictures look better on a sunny day (seriously).
Three days after Christmas, the weather wasn't great still but Charles and I had decided to do the coastal walk come rain or shine. Our plan was to commute by train to Bondi Junction and then by bus to Bondi beach. Luckily, Charles former flat mate, Hayden, called that morning and wanted to catch up with us over breakfast. Hayden and his cousin, Peter, dropped by our flat in Artarmon to pick us up then we headed straight to Bondi.
Breakfast with 3 blokes at Gertrude and Alice Cafe and Bookstore.
With two locals guiding me around, it wasn't hard to find a place with good food and good vibes. Hayden took us to this great café slash bookstore along Hall Street. The food is homely that includes a good range of vegetarian selections, the ambience is relaxed and friendly and the place itself is filled with shelves of books that stretch from floor to ceiling. Finding a parking space in the area was a different story though.
The beach offers topless sunbaking, swimming and great surfing for boards and bodies, the beach is popular with the locals as well as international tourists.
"Bondi Beach is very tolerant; topless sunbathing is common and gay and lesbian couples displaying affection can be seen."
After breakfast, Charles, Peter and I lazed on the sand for sometime while waiting for Hayden who had to move his car to another parking spot. I have seen many beaches around Australia but standing on the popular Bondi Beach still made me excited and thrilled. Perhaps it is because Bondi Beach is one of the most known Australian icons or maybe I had watched too much Bondi Rescue on National Geographic and being here felt like coming face to face with a celebrity.
The beach is just amazingly vast and the waves are just awesome. It is not something you get to see regularly in the Philippines although we are equally blessed with gorgeous beaches as well. The water is still cold though (at least for me) even though it's now summer here. Perhaps, I would be able to brave the cold water once we reached Coogee Beach, I thought.
"Bondi" or "Boondi" is an Aboriginal word meaning water breaking over rocks or noise of water breaking over rocks.
The walk to Coogee is about 6 kilometers and takes around 2 hours to complete on a leisurely pace, and maybe longer for photo junkies like us. We started our walk at the south end of Bondi Beach and passed by the Bondi Iceberg's Club where members can swim all year round in its salt water pool. After reaching Mackenzies Point, a panoramic view of North and South Bondi unfolded to us. Then we came across Tamarana, a small beach renowned as one of Sydney's gay beaches. They say it is full of beautiful bronzed people, now I wonder if that gorgeously tanned guy with washboard abs climbing up and down those steps was gay.
Hayden taking some snapshots of Bronte Beach.
We passed by three more lovely beaches as we traced the coastline to Coogee. One of which is my favorite Bronte Beach, a stunning beach bordered by a bowl-shaped park and sandstone cliffs. But the most interesting sight along the coast for me was this graveyard of white marble headstones with a dramatic ocean view.
Tamarama Beach
Waverley Cemetery
Apparently, Waverley Cemetery is home to many famous Australians and guided tours are conducted at various times here for those interested in Australian history. We traversed through the cemetery and had a few snapshots here instead of taking the usual trail. After more than two hours walk, we finally reached Coogee Beach. We then went our separate ways based on our immediate priorities. Hayden and Peter scurried to Coogee Bay Hotel for cold beer, Charles swimming impromptu to cool down and me running to the nearest fish and chips kiosk.
Coogee Beach


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La Plata Youth Services supports and advocates for youth facing challenges. Here's how you can help:
You can make a difference!
Email address:
First Name
Last Name
Phone: 970-385-4440 | Fax: 970-385-1726
2490 Main Avenue
Durango, CO 81301
La Plata Youth Services is a non-profit based in Durango, Colorado.
© 2011 All rights reserved. Website designed by J3media, Inc. and powered by WordPress.


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Does anyone have any space saving ideas for equipment layouts and arrangements? I have been working with a space of 8ft by 22ft for all my filtration system(linear arrangement) and I'm finding that, IT'S TIGHT in here. I can't believe I'm running out of room.
Does anyone utilize a Bakki Tower setup that does not dump directly into the pond? How do you catch all the trickling water? Is there heavy splashing out around the towers that gets on the floor?


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News and Updates for Apr 2015
Columbia College and Barnard College start-up wins entrepreneurship challenge
Shriya Samavai CC'15, an art history major with a concentration in business management from West Lafayette, Ind., and Lauren Field BC'16, an English major and art history minor from Portland, Ore., have won first place in the Columbia Venture Competition's Undergraduate Challenge for their clothing line, Academy Of.
Students create undergraduate research journal
Undergraduate students in the Department of Latin American and Iberian Cultures (LAIC) have created a research journal, Portales: The LAIC Journal of Undergraduate Research.
Seniors to be initiated into Phi Beta Kappa
Columbia College has announced the names of 94 seniors who will be initiated into Phi Beta Kappa, the national honor society, on Tuesday, May 19.
Columbia College Alumni Association launches new brand
The Columbia College Alumni Association has launched a newly formed brand.
Student team wins USAID Fighting Ebola Grand Challenge
Katherine Jin CC'16, Kevin Tyan CC'16 and Jason Kang SEAS'16, the student team behind Highlight, a pigmented bleach solution that improves decontamination of infectious diseases, has won the USAID Fighting Ebola Grand Challenge.
Mark Minghao Xue CC'06 wins Paul & Daisy Soros Fellowships for New Americans.
Mark Minghao Xue CC'06 has been awarded one of the prestigious Paul & Daisy Soros Fellowships for New Americans.
Center for Core Curriculum to co-sponsor Concert Spirituals and the Black Soprano
Concert Spirituals and the Black Soprano, a performance and panel discussion that reconsiders the role of singing concert spirituals among black sopranos in relation to political resistance, musical virtuosity and the sacred, will be held at 7 p.m. on Wednesday, April 22, in St. Paul's Chapel.
Columbia College Women celebrates relaunch
On April 20, more than 125 alumnae and female students gathered at Casa Italiana to celebrate the relaunch of Columbia College Women.
Harmann Singh CC'16 wins prestigious Harry S. Truman Scholarship
Harmann Singh CC'16, an economics-mathematics joint major from New York, has been selected for a prestigious 2015 Truman Scholarship.
College sponsors new Startup Internship Fund
Columbia College is sponsoring a new Startup Internship Fund beginning in summer 2015 to allow students on financial aid to take advantage of unpaid or low-paid opportunities in the startup sector.
Students receive Presidential Global Fellowships
Twelve first-year students in Columbia College and The Fu Foundation School of Engineering and Applied Science have received 2015 Presidential Global Fellowships.
Beau Willimon CC'99, SOA'03 will address School of the Arts graduates
Beau Willimon CC'99, SOA'03, will be the speaker at the School of the Arts Celebration of Graduates on Wednesday, May 20, 2015. The ceremony will be held in Miller Theatre at 2 p.m. on the Morningside campus.
Columbia College announces 2015 Valedictorian and Salutatorian
Two science students have received the top academic honors for the Columbia College Class of 2015. Robert Lin, a mathematics and physics major from Bergen County, New Jersey, has been named valedictorian, and Stephanie Gergoudis, a biology major from Queens, New York, has been named salutatorian.
College student wins prestigious Goldwater Scholarship
Brian Trippe CC'16, a biochemistry and computer science major, has won a prestigious Goldwater Scholarship, the premier undergraduate award in the fields of mathematics, the natural sciences and engineering.


text: I had a blog once. I started in a new baby haze back in 2010, not really knowing what a blog was but knowing I had to write about this new land called motherhood. Lots have changed since then. That baby boy I held in my arms as I typed back then turns seven tomorrow. Social media, being an influencer and going viral are things now. Blogging is a business. All I really want to do is write without pressure and express myself without judgement. So, it's back to basics for me. Back to where it all started on WordPress.com. All the old posts have thankfully come across and from now on, I'll write when I feel like it. Expect musings on life as a working mother, general rants and talk about writing, yoga and creativity.


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South Carolina's Largest Bankruptcy and Mortgage Modification Filer
Thank you for taking the time to inquire about Moss & Associates - South Carolina's Largest Bankruptcy and Mortgage Modification filer! We have three offices; one in Columbia, Charleston, and Greenville South Carolina! We take pride in our work, and strive to meet the specific and unique needs of each client. We are a debt relief agency, and look forward to working with you to help lift your financial burdens. Please call 843-744-3002 to schedule your FREE consultation with an attorney to discuss how bankruptcy may be the answer you have been looking for.
Main Office
816 Elmwood Avenue
Columbia SC 29201
(803) 933-0202
(843) 266-1939
Chapter 13: $310 plus reasonable Attorneys Fees Chapter 7: $335 plus reasonable Attorneys Fees Can be retained for as low as $100!
Paul Dawson - Columbia Office
Charleston - Moss & Associates
2170 Ashley Phosphate Road
North Charleston
Greenville - Moss & Associates
109 Laurens Road
Bankruptcy and Debt Relief Agency
Moss & Associates, Attorneys P.A., focuses exclusively in bankruptcy law and is South Carolina's largest bankruptcy filer. We provide our clients with a unique combination of top-quality representation, small-firm economics, and commitment with offices located in Columbia, Greenville, and Charleston, South Carolina.
Our goal is to provide qualified, experienced, and effective representation. Our law firm is not leveraged on large numbers of associates. The result is cost-effective representation and greater client satisfaction. We are results driven.
Thousands of South Carolinians have turned to Moss & Associates to stop foreclosure and save their family homes. If you have missed mortgage payments, been threatened by repossession, burdened by credit card debt or are just tired of the harassment from bill collectors, we can help. Call us today, 803-933-0202.
Home Loan Modification
The present Loss Mitigation/Mortgage Modification process used in South Carolina is an efficient, manageable, and impartial process that does not delay confirmation of the plan in a Chapter 13 bankruptcy case. The process also allows for loan modifications in a Chapter 7 bankruptcy case, since the loan modification indicates the intention of the debtor to the creditor. Our firm has been able to successfully implement the Loss Mitigation/Mortgage Modification procedure and obtain confirmable Chapter 13 plans.
This procedure allows a person of fixed or limited means to retain his dwelling, possibly at a reduced payment and interest, while having a manageable Chapter 13 plan payment.
This benefits all creditors, not just the mortgage creditors, by giving the debtor an opportunity to keep their residence and grow equity, while also allowing them to pay a dividend to their creditors when they might not otherwise be able to do so.
Benefits of Loss Mitigation/Mediation Procedures and its Relation to Chapter 13 Plan and Process Loss mitigation is any act or agreement between the lender and borrower intended to resolve a default other than through an adverse foreclosure by the lender. The most common types of loss mitigation include: deed-in-lieu of foreclosure, short sale, forbearance, and loan modification.
In the majority of Chapter 13 cases, debtors are seeking to keep their homes. The Loss Mitigation/Mortgage Modification program is designed to help debtors who cannot afford their mortgages or who fall behind, and need a more manageable payment option than the traditional cure and maintain option. Loss mitigation during a debtor's bankruptcy case can provide an opportunity for the restructuring of the home mortgage.
Applying for a loan modification inside of a bankruptcy gives the loan modification process more structure and other benefits. The bankruptcy can alleviate the concerns of the lender about other outstanding debts, such as credit cards and medical bills.
Additionally, if there are issues
with an underwater second mortgage or an arrearage on homeowner's association dues that may prevent a loan modification of the first mortgage, a bankruptcy provides different alternatives for resolving these issues, such as stripping the obligation off the property or curing a default.
Moss & Associates has been dedicated to assisting those in need of debt relief. Everyday we are able to help people save their homes, vehicles, and financial burdens. We strive our best to meet the specific needs of each of our clients, and understand that each case has its own complex and unique circumstances.
Each Bankruptcy Professional at Moss & Associates has the passion, experience, and educational background to assist you. Our firm employs some of the best attorneys, paralegals, and bankruptcy professionals in state!
Moss & Associates has grown to serve those in South Carolina - we are located in Greenville, Columbia, and Charleston! We are the largest bankruptcy firm in the state, and file more cases than any other firm of this kind.
Jason T. Moss, Esquire is the president at the law firm Moss & Associates, Attorneys P.A., where he focuses exclusively in the areas of litigation and bankruptcy. His firm received the 2003 South Carolina Bar Pro Bono Law Firm of the Year. Mr. Moss earned his Bachelor of Science Degree from the University of South Carolina, Magna Cum Laude, and his Juris Doctor from the University of South Carolina School of Law. He was also elected into the prestigious national honor society Phi Beta Kappa. Mr. Moss is Federally Licensed, a member of the South Carolina Bar, the South Carolina Bankruptcy Law Association and the National Association of Consumer Bankruptcy Attorneys. He has spoken at the South Carolina Bankruptcy Lawyer Association Annual Seminar, The South Carolina Bar and NBI.
* Nolo has confirmed that every member attorney has a valid license and is in good standing with the state agency that licenses lawyers. Any past disbarments and suspensions (with possible exceptions for minor violations or nonpayment of dues, in our discretion) will be indicated accordingly in the badge. Member attorneys are required to notify Nolo immediately if they become the subject of any disciplinary action by any state licensing agency.


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Canon PIXMA iP1000 Software & Drivers Download
Canon PIXMA iP1000 Series Driver Download Windows, Mac OS – Linux
PIXMA iP1000 Bubble Jet printer is a printer that can be proud to produce quality photos and print your document, multy-duty office desk any room or home business. Even with good technology built iP1000 Full-lithography Inkjet Nozzle Engineering that rapidly after that and consistent with 5-picolitre ink droplets to print photos fine and sharper. And also the EXIF print software help you to better digital photos. High quality print resolution up to 4800 x 1200 dpi, so that you can print speed black lives up to 14 ppm/up to 11 ppm (color), print photos without limit in sizes up to 5 x 7, ensure you to print more perfect for multy home or office duties.
How to Download/Installation
- Click on the link, to download, select "Save", then specify the [Save As], click [Save] to download the file
- Then, the file will be stored in places that are already specified in the self-extracting form, follow these steps
- Double click file.exe downloaded
- The installation process will start automatically
How to Uninstall
Remove the program using the "Control Panel"
- On the start menu, click [Control Panel], then, click under Programs "Uninstall Programs"
- Then, a page will open, double click on the program you want to uninstall
- Click [Yes] next "OK", then the process is uninstallation


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AdGuard Android
What is Adguard Android?
Adguard android is a well known web filter that keeps safe your device from annoying advertising, malicious and phishing websites, online tracking and much more. Adguard android could handle all types of internet ads, speeds up page load, saves bandwidth and strengthens your device protection opposed to probable threats. It provides you with a reliable easily manageable protection against possible threats.
AdGuard Android is a very much useful app; hence today's working patterns of people are more connected with the Internet. Most of all it acts immediately without your participation and start filtering the web page. Without adapting to new web habits, user could protect the system with AdGuard Android with a high efficiency.
Adguard Android can be speedily and easily installed while managing all configurations and updates.
AdGuard Android Features
- No root access required, therefore you can use Adguard on any Android device.
- Adguard removes all the annoying ads, blocks loading of dangerous websites, and not allow anyone to track your activities on the internet.
- The app is absolutely easy to use.
- Comes with an intuitive interface.
- "AdGuard Android" blocks ads that are not only in browsing but also in other apps.
- Adguard provides you the best filtering quality on Android devices, and there has been no app compared with such high quality before Adguard arrives.
- The app speeds up the load.
- The pages you work with are ad-free with Adguard and work faster than earlier.
- High protection of your personal data.
- Adguard is a program widely recognized in the world; more than 6 million people use Adguard.
More about AdGuard Android
- This is absolutely worth downloading on your smart phone or tablet as Adguard is very is to configure and it does the work accurately.
- You just have to install the application and open it.
- Once it is perfectly done with installation, you will catch how the ads are removed from the site navigation automatically.
- To get this access done in your device, you do not need to root your Android, that is a very significant feature comes in this application.
- Another feature it offers is VPN. It means the "Virtual Private Network" which can control what you see on your device. When the app is running it automatically do the necessary controlling part without any additional remote connections. Addition to that a very useful traffic compression offered by Adguard perfectly saves your data traffic. Their traffic monitoring system helps to manage the consumption of app traffic in real time.
When processing a web page, Adguard does multiple things at once. It removes ads and online tracking code straight forward from the page, it checks a page against database of phishing and malicious sites and finally it checks the apps downloaded from unknown sources. There we see Adguard comes in a unique technology in order to give the best web filtering and protection against possible threats you may come across when dealing with the Internet.
Adguard gives you comfort and safety at once. You will be inspired how much easier and safer the Internet will be after you have installed Adguard.
Don't forget to FEEDBACK on ADGUARD ANDROID.


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Crossbarn by Paul Hobbs Sonoma Coast Pinot Noir 2017
Winemaker Notes
Critical AcclaimAll Vintages
Growing up on a working farm in upstate New York, Paul experienced first-hand the influence of terroir on the character of fruit, when his father had him taste apples of the same variety grown in different orchards several miles apart from one another. The diversity of flavors and textures made an impression on him and would later influence his approach to winemaking. One of eleven children, Paul helped his father achieve a lifelong dream of transforming some of the farm's acreage from apples, nuts and peaches to wine grapes.
As a winemaker, Paul is highly regarded for his ability to identify exceptional vineyards, and for his pioneering spirit in working innovatively with new and historical sites and regions. His success has inspired a wealth of nicknames among the press, from quiet trendsetter to prospector to truffle-hunting dog. Initially hired by Robert Mondavi for his advanced understanding of oak aging, he was soon promoted to the inaugural Opus One winemaking team. Following his Mondavi experience Paul joined Simi Winery as Winemaker before going on to consult for Peter Michael, Fisher Vineyards, Lewis Cellars, Bodegas Catena and others. Having founded Paul Hobbs Winery in 1991 and Vina Cobos in 1999, he continues to be a leading consultant winemaker around the globe.
CrossBarn began as just one small lot of Cabernet Sauvignon from the 2000 vintage but its popularity has inspired the introduction of chardonnay and pinot noir, to make a family of three. With CrossBarn, Paul ventures beyond the vineyards sourced for Paul Hobbs wines while holding to his ideals of sustainable vineyard practices and gentle winemaking techniques, to bring you wines of stunning quality and exceptional value.
A vast appellation covering Sonoma County's Pacific coastline, the Sonoma Coast AVA runs all the way from the Mendocino County border, south to the San Pablo Bay. The region can actually be divided into two sections—the actual coastal vineyards, marked by marine soils, cool temperatures and saline ocean breezes—and the warmer, drier vineyards further inland, which are still heavily influenced by the Pacific but not quite with same intensity.
Contained within the appellation are the much smaller Fort Ross-Seaview and Petaluma Gap AVAs.
The Sonoma Coast is highly regarded for elegant Pinot Noir, Chardonnay, and, increasingly, cool-climate Syrah. The wines have high acidity, moderate alcohol, firm tannin, and balanced ripeness.


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Personal Development
Personal Development
Personal development is a way for people to assess their skills/qualities, and consider their goals in order to realise their potential.
Digital Photography +
Digital cameras can be confusing to many new users. This course focuses on providing digital camera users with the basic information needed to determine which digital camera is best for them, along with helping users make the most of taking, sharing, printing, and storing their digital images.
Economics 101 +
Money matters. Yet banks and businesses tend to make understanding it more difficult. This course touches on the components of what economics is, how an economy is valued, the difference between various types of economies, and the price paid in the pursuit of success and its worth. This truly is a useful course.
Employment Strategies +
There are many reasons to look for a job – layoffs, new opportunities, and life changes. This course is designed to build your courage, support your goals and encourage your confidence. So, if you're ready to find a job, or thinking it's about time for a change, this course is for you.
Click here to watch a preview of the course.
End of Life: Comfort, Care and Planning +
Society's views on death and dying are changing. Even though we are living longer, the reality faced by all is mostly surrounded by silence. This course hopes to make the unfamiliar territory of 'end of life' slightly more comfortable by presenting a wealth of information regarding the important choices that will need to be made.
Click here to watch a preview of the course.
Financial Basics for Non-Financial People +
Where does your money come from and where does your money go? This course delves into the world of finance by explaining assets, liabilities, equity, investing, stocks and bonds, various forms of credit, and the relationship between different types of statements. When you complete the course, you should be able to understand the basics of finance in easy-to-understand terms and manage your financial position.
Media Literacy +
Who controls the media? What effect do the media have on the public? Do media socialize us? People tend to view media (newspapers, TV, internet etc.) as those things that are outside of themselves however, to gain a better insight is to see them as an extension of ourselves. This course opens our eyes as to what advertisers, TV networks and politicians want us to see. We look into what is media; the power of the corporations, what affect it has on our privacy, democracy and globalization.
Money Skills +
The average household owes $1.50 of debt for every dollar of income. Many Canadian households are under financial stress leading to anxiety over what the future holds in store – and many feel ill-prepared to manage their financial affairs with confidence and competence. In order to make good choices with our money, we need good information about managing money. This course will review money attitudes and beliefs, needs vs. wants, saving smart, why people don't budget, types of financial goals, income, how you spend your money and ways to cut spending.
Retirement and Pension Planning +
"How much do I need to retire?" Forty-nine percent of Canadians hope to retire before the age of 60. An estimated one in three Canadians does not have any workplace pension plan. The best way to ensure that you reach your goals is to have a retirement plan. This course will explore how much to save, different sources of retirement income, government plans, medical and insurance, taxes, and what will I do after I retire. You have lots of choices – and lots of big decisions – to make when you retire. When you complete the course, you will have the knowledge on how to manage your money wisely so you can make the most of your retirement years.
Sharing Our Lives: Caring for Elderly Parents +
They were the ones that protected us, fed us, and provided for our needs. An estimated 4-5 million Canadians are providing care for a family member, that's one out of every five Canadians. This course gives you the tools to determine whether personal or professional care is more adequate. It covers different types of facilities for the elderly, talks about elder abuse, and the mourning of a parent/spouse. The course also covers the effect of elder care on the caregiver including the personal costs of caring: physical, emotional, productivity and financial. The course will give you practical information on reducing stress, balancing work and family, and asking for the help you may need in effectively caring for three generations.
Stress Awareness – Part 1 +
When stress is dramatic or continuous, these intense pressures can cause physical illness and psychological distress. More than 1 in 4 workers reported stress (mental or emotional) health problems arising from work, and more than 1/3 of blue collar workers said they stayed home because of stress. In this course, stress includes the workplace, personal factors, family life, and social conditions. We will provide you with the knowledge and the opportunity to develop strategies that can help to increase your control over demands at work, and in other areas of your life, in addition to recognizing the relationship between body, and mind, and the importance of communication.
Click here to watch a preview of the course.
Stress Awareness – Part 2 +
Stress has become embedded in our lives as they become more complicated-we'd like to be with our friends and family more, yet can't find the time. Learn the importance of healthy communications; see how 'your' response affects your stress; cultivate supportive relationships; and learn how to incorporate more exercise, nutrition and sleep into your daily routine. At the end of this course you will be motivated to commit, and challenge yourself to a more stress free lifestyle.
Click here to watch a preview of the course.
Understanding Wills +
There are many reasons why you need a will, however, 49% of Canadians do not have a will, in addition, 66% of Canadians over forty do not have a will. This course opens our eyes to what is a Will, why do we need a Will, and what happens if we don't have a Will. The course takes you through the process to help you better understand documents, people involved, the law, and the fees. It will cover the types of Wills and the risk factors of not having one.
Young Workers: Career and Life Possibilities +
Young Workers: Career and Life Possibilities course is designed to provide UFCW Canada young workers a place to investigate and meet career & life possibilities, and explore ways to open doors. In this unique program, participants will have hands-on opportunities to learn more about the importance of finding "meaningful" employment and to remember that we work to live, but we don't live to work.
Click here to watch a preview of the course.
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Rapoon - Seeds in the Tide Vol. 02 (CD + Digital Album) US50
"In December last year "Seeds in the Tide Volume 01" saw the light of day and met with loads of interest. As promised we continue the series with the second installment in this collection of Rapoon rarities.
This time, apart from compilation tracks, "Seeds in the Tide" features three (yes, three) rare releases. The first one being "Live at Klanggalerie" tape from 2000; the other two being "Pell Mell" and "Ep Et Vee" EPs, all the three released in very small quantities. "Seeds in the Tide Volume 02" is therefore your chance to grab these titles in a single collection.
All in all, the second volume contains 150 minutes of quality pure sonic bliss, just like any Rapoon release." --zoharum.bandcamp.com