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HST Summary of Helpful Files
Disclaimer: Please note this information has been compiled for the use of the members of Motor Coach Canada and Ontario Motor Coach Association. Files are based on GST and HST Legislation and CCRA Tax Authorities as of March, 29th, 2010. This information is intended for your general guidance and convenience of reference only. Tax Authorities can be amended at any time and therefore for the purpose of applying tax users should consult tax authorities. While MCC has strived to ensure the information is accurate, MCC cannot be held responsible for any costs or damages that a company may incur as a result of using this information. Companies are urged to make business decisions based on a thorough review of tax authorities and to seek professional advice and counsel as required. It is recommended that you consult directly with CCRA or your tax advisor to ensure you obtain the latest information and that the GST/HST advice you receive is based on the facts in your particular case.
For general information contact CCRA at 1800-959-5525 for service in English and 1800-959-7775 for service in French. All GST / HST Memoranda by chapter can be viewed at Memoranda Series.
June 25th New File on how to treat a tour in both an HST participating province and a non HST participating province Click Here!. Thank you to MCC member Watkin + Associates for this information for members.
May 2010 Information Sheet on Transition to Harmonized Sales Tax - Tour Packages -
Calculating the GST/HST on Tour Packages
This memorandum explains that suppliers who sell tour packages are required to identify the various elements of the package in order to determine the amount of the goods and services tax/harmonized sales tax (GST/HST), if any, that they must collect. It also sets out the rules for determining the portions of the tour package that are subject to tax at 5%, 13% or 0% under the Excise Tax Act (the Act).
1. Typically, suppliers such as tour operators purchase passenger transportation services, short-term and/or camping accommodation, sightseeing excursions, and other property and/or services which they assemble into tour packages and supply for an all‑inclusive price. Suppliers who sell tour packages in Canada must prorate the selling price of a package based on the value of the taxable and non-taxable property and services included in the package in order to determine the amount of the GST/HST that they must charge.
2. There are rules that must be applied when prorating the selling price of a tour package based on the value of the taxable property and services included in the package. Generally, taxable property and services are the property and services included in a tour package that, if supplied separately and not as part of a package, would be taxable at 5% or 13%. Before applying the rules found in section 163, the supplier must ensure that what is being supplied is a tour package.
For more information please visit: http://www.cra-arc.gc.ca/E/pub/gm/27-1/27-1-e.html
Harmonized Sales Tax for Ontario and British Columbia – Questions and Answers on General Transitional Rules for Personal Property and Services -
BC HST Transitional Rules
On July 23, 2009, B.C. announced its plans to implement a Harmonized Sales Tax for B.C. (the HST) which, subject to legislative approval, would come into affect July 1, 2010.
The link below is to the General Transitional Rules for British Columbia HST. The notice provides general descriptions of transitional rules for the HST that will be proposed to be enacted in the federal Excise Tax Act (ETA). It also provides general descriptions of provincial measures that will be proposes to be enacted to wind down the applicable provisions of the Social Service Tax Act (SSTA) and the Hotel Room Tax Act (HRTA).
Ontario HST Transitional Rules
There are several resources online that will help members understand the transitional rules for the Harmonizing of the Ontario Provincial Sales Tax and the Federal Goods and Services Tax. Those resources can be found at: http://www.rev.gov.on.ca/en/notices/hst/03.html- this focuses General Transitional Rules for Ontario HST and the winding down of the RST. KPMG also has and in-depth section on their website on the HST including a one hour free web presentation going over transitional rules, including passenger transportation service. http://www.kpmg.ca/en/ms/pstgst/index.html.
The Government transitional rules document states in example 17: In May 2010, a vendor sells a bus pass that entitles the purchaser to unlimited access to commercial bus services between Toronto and Niagara Falls during a two-month pass period from June 1st, 2010 to July 31st, 2010. The HST would NOT apply to the consideration for the sale of the pass."It is our understanding that the full transitional rules will be released before March 31st, so until that time it will be difficult to understandthe full implications on our members.
Passenger Transportation Services
In February 2010 Canada Revenue Agency Released Ontario and British Columbia: Transition to the Harmonized Sales Tax – Passenger Transportation Services that document can be found at: http://www.cra-arc.gc.ca/E/pub/gi/gi-054/gi-054-e.html
Place of Supply Rules
The Department of Finance announced proposed changes to the Harmonized Sales Tax (HST) place of supply rules in the regulations made pursuant to the Excise Tax Act. These rules specify whether, and at what rate, suppliers must charge the provincial component of the HST on their supplies of taxable property and services in Canada. There are also changes proposed to the related rules that, in certain circumstances, require self-assessment or provide for rebates of the provincial component of the HST on property or services where the property or services are brought into a province or are acquired in a province for consumption, use or supply outside that province.
Many of the current HST place of supply rules for property and services rely on the location of the supplier to determine whether a sale is subject to the provincial component of the HST. It is proposed that the HST place of supply rules for intangible personal property and services be changed so that there is less reliance on the supplier's location and greater reliance on where the consumer of the intangible personal property or service is located. These changes will help to accommodate variable rates of the provincial component of the HST under the Provincial Choice Tax Framework Act and will modernize the rules to address changing business models and technological advances.
General Requirements for Books and Records
This memorandum explains the requirements under the Excise Tax Act (the Act) for registrants and certain non-registered persons to retain and make available books and records, documents and other information. Such records should enable the determination of the tax charged and remitted on taxable supplies of goods and services as well as the tax paid on business purchases and claimed as an input tax credit or rebate. Memorandum 15.1
Foreign Conventions and Tour Incentive Program
Tour Operators in Canada who are selling to inbound tour operators in other countries can claim a rebate for tour packages by completing Form106. The "tour operator" that you are selling your tour package to is eligible for a rebate. Canadian suppliers would be able to claim the rebate on that tour operators behalf. Source: http://www.cra-arc.gc.ca/E/pub/tg/rc4036/rc4036-e.html#P500_721 - The rebate amount for GST paid on the accommodations is 50% unless any night is on a train or a boat which is not eligible for the rebate, and any nights on those types of accommodations would have to attract GST and be calculated in the GST amount.
The rebate can be claimed by Canadian suppliers but you now have to file new Form GST106, Schedule2-Information on Claims Paid or Credited for Foreign Conventions and Tour Packages, for every reporting period in which they claim a deduction from their net tax because they paid or credited a rebate amount for tax that became payable on an eligible tour package or a foreign convention after March 31,2007.
The form you required is http://www.cra-arc.gc.ca/E/pbg/gf/gst106/gst106-09e.pdf
The primary benefit is that businesses can claim the provincial portion (i.e., 7 percent) of the Harmonized Sales Tax (HST) as an input tax credit (ITC). This is already the case for the federal Goods and Service Tax (GST), but not the Provincial Sales Tax (PST).
Once fully harmonized under the HST, both sales taxes can be claimed as ITCs resulting in an estimated $210 million tax savings for BC's transportation sector.
Any business with annual gross revenue below $10 million can claim full ITCs. Businesses with annual gross revenue greater than $10 million are subject to temporary restrictions on ITCs, which the government announced will gradually expire by 2018. Until then, these businesses can only claim the federal portion of the HST (equivalent to 5-percent GST) for the following:
"Gross revenue" is defined as total revenue from all companies under the same ownership.
Gross revenue will be determined based on the total revenue for each fiscal year preceding the July 1 implementation / anniversary date. If it falls below the $10 million threshold, the business will be able to claim full ITCs starting with the next July 1 anniversary date (next "recapture period"), if it does not, ITC restrictions will continue to apply.
In the event that fiscal year revenue exceeds $10 million but the business claimed full ITCs in the next recapture period (starting July 1), it will be subject to assessment and penalties for the provincial portion of the HST (7 percent) that it claimed as an ITC.
Destination generally determines the applicable tax rate for domestic freight transportation services irrespective of where a shipment originates and the location of the business that initiates the shipment. In other words, the tax rate that prevails in the jurisdiction of destination is applicable.
For example, a freight transportation service from BC to AB will be subject to 5-percent GST even if the company that initiates the shipment is a BC-based business. A freight transportation service from AB to BC will be subject to 12-percent HST even if it is initiated by a business based in AB.
Based on current information, a business with more than $10 million in gross revenue would not be able to claim full ITC on a vehicle with a GVW less than 3,000 kg. Businesses with gross revenue greater than $10 million will only be able to claim the federal portion of the HST (5 percent) as an ITC when purchasing or leasing such vehicles until 2018.
There is, however, the possibility that the ITC restriction will only apply to passenger vehicles, not commercial vehicles. Additional clarification from the provincial government about the precise definition of a vehicle for the purpose of this restriction should be available in the coming months.
Companies with gross revenue below $10 million will able to claim the full ITC for the federal and provincial components of the HST when purchasing vehicles with GVW below 3,000 kg.
Although the Multi-Jurisdictional Vehicle (MJV) Tax is going to be phased out, the insurance and licensing portion of pro-rate fees payable to ICBC is not going to be affected. Pro-rate fees paid on or before June 30, 2010 will include MJV Tax.
It appears that fleets that will be renewing their pro-rate prior to June 30 will have to pay the full pro-rate amount including MJV Tax for the entire year.
ICBC insurance in BC is tax exempt(i.e., not subject to GST or PST). Insurance will remain exempt when the HST comes into effect.
The BC government has indicated that it will not be assessing an MJV exit tax.
There is a point-of-sale exemption for gasoline and diesel fuel. Gasoline and diesel will continue to be subject to the federal portion of the HST (equivalent to current 5-percent GST) but will not be subject to the provincial portion (equivalent to 7-percent PST).
Given that there is a point-of-sale exemption for the provincial portion of the HST and only the federal portion will apply to motor fuel sales (equivalent to current 5-percent GST), there should be no changes when filing International Fuel Tax Agreement (IFTA) returns.
Companies can continue to claim HST on independent contractors (owner-operators) in the same manner as they currently claim input tax credits for GST, assuming they are currently claiming them correctly.
Additional clarification is still required from the government, but it would appear that if the fuel is re-supplied to owner-operators, the company will likely have to charge the owner-operator HST on the fuel.
There is a point-of-sale exemption from the provincial portion of the HST on motor fuel purchases. As such, the company itself should only be subject to the federal portion of the HST (5 percent), which it can claim as an ITC.
However, when re-supplying fuel to owner-operators, the company will likely have to charge full HST (12percent). Owner-operators should be able to claim a 12-percent ITC for these fuel purchases.
For example, if an owner-operator fills up at a fuelling station and pays the bill directly, then the 7-percent BC point-of-sale rebate will apply. Only the 5-percentGSTwill be collected on the fuel purchase and the owner-operator will claim an ITC for that amount.
If an owner-operator fills up at a card lock facility but the fuel is billed to a company, the 7-percent BC HST point-of-sale rebate will apply and only the 5-percent GST will be collected on the billing to the company. However, when the company bills the owner-operator for the fuel there is effectively a re-supply for GST/HST purposes and the company will have to collect 12-percentHST on the billing for the fuel (and any other items billed to the owner-operator).The owner-operator will be entitled to claim a full ITC for the 12-percentHST.
It does not appear that the re-supply by the company to the owner-operator is the type of transaction to which the BC point-of-sale rebates will apply. At the end of the day, however, no GST or HST should become unrecoverable, because full ITCs can be claimed for all GST/HST charged to each of the parties.
It depends. If the accessorial charge is incidental to the movement of the goods, it is subject to the same rate as the shipment itself. The applicable tax rate is determined by the jurisdiction of destination.
However, if the accessorial charge is not incidental to the movement of the goods and the accessorial service is provided in BC, full HST will be applicable.
These shipments are considered to be split deliveries, with each delivery subject to the tax rate applicable in the jurisdiction of destination. For example, if there is a single shipment, but deliveries are split among BC, AB and ON, the applicable tax rate would be 12-percentHST for the portion of the shipment delivered to BC, 5-percent GST for the portion delivered in AB, and 13-percent HST for the portion delivered in ON.
Continuous international in-bond shipments, which are currently zero rated, will continue to be zero rated. This also applies to shipments with a stopover in an intermediate jurisdiction. For example, a shipment from WA destined to AB with a stopover in BC should not be subject to HST.
If the stopover is longer than would be considered reasonable in order to qualify as an incidental service to the movement of the goods, any accessorial charges would be HST taxable (e.g., storage fees).


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Chicago's First Medical Marijuana Dispensary is Now Open!
Chicago's newest medical marijuana dispensary just opened its doors, but can not yet sell the drug. Employees are still waiting on the dispensary's official license from the state before they can start selling.
Dispensary 33 is at Clark and Argyle in the city's Andersonville neighborhood.
It has plenty of display space for pipes and paraphernalia. There's even a waiting room attendant.
The store expects to get its license to sell marijuana Thursday, and start selling pot next month.
Source – WGNTV

subset: commoncrawl


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Evolution: The entire cosmos, our earth, and all life-forms resulted from an extremely slow process of development from the simple to the complex, from barely structured to higher forms of organization, from inanimate to animate, and from low life-forms to higher levels. All organisms can be arranged in a line of descent and development right up to man. According to the evolutionary view, this process is still continuing. All earlier living organisms were merely temporary forms of life at that moment, and present-day individuals should then be regarded as halfway stations for future developments (see evolutionary assumption E11). In this respect, Wuketits believes that evolution as such has not stopped [W7, p. 275]. "It seems justified to expect new kinds and new degrees of differentiation to appear." The following quotations confirm the assumption of continuing evolution in various areas:
- Continuing cosmic evolution: "Not only life, but also the entire cosmos went through a process of development. Beginning with a singularity of immense density and temperature and with the 'big bang.' The universe assumed its present form after a development lasting approximately 15 thousand million years" (R. Siewing [S6, p. XIX]). In the evolutionary view, this process has definitely not been completed. An extremely distant stage of development is described by R. Breuer [B8, p. 51]: "The sun, together with the earth, may eventually be ejected from our galaxy. Then, in the dark isolation of intergalactic space, the earth will have all the time in the world to fall in slow motion into the black hole that had once been the sun. At this time, after 1020 years, the classical evolution of the cosmos would end." S. Weinberg justifiably referred to the "dark cloud of great uncertainty" that looms over such a cosmological model.
- Continuing biological evolution: "Man and beast can no longer be seen as . . . completed creatures of a paradisiacal six-day activity. But the kinds originated during long epochs of earth's history, one after the other, fulfilling themselves and changing, dying out or branching off in new directions from an upward-flowing current aspiring to the organic perfection of living matter. Eventually the present diversity of forms developed" (J. Illies [I2, p. 33]).
- Continuing human evolution: "At the moment we are the apex reached by the great constructors of changing kinds on earth, we are 'state of the art,' but certainly not their last word. . . . If I had to regard man as the final image of God, then this view of God would drive me insane. But when I realize that our recent ancestors (in terms of the history of the earth) were very ordinary monkeys, closely related to chimpanzees, then I catch a glimmer of hope. It does not require undue optimism to assume that something better and higher may yet develop from us humans. . . . The long sought for missing link between animals and real human beings—are we!" (K. Lorenz [L2, p. 215–216]).
The Bible: The entire cosmos with all its countless stars, all basic types of life, as well as man, were created directly by God in one week, as described in Genesis. The whole of creation was finished and complete. All biological changes that occurred since that time only resulted in diversification within the original kinds (e.g., the origin of races).
We read in Genesis 2:2 that "
By the seventh day God had finished
the work He had been doing; so on the seventh day He rested from
all His work." And in Hebrews 4:3: "
And yet His work has been
finished since the creation of the world."


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Leap Wireless Left Out of the Telecom Consolidation, For Now
In the recent flurry of deal activity in the U.S. wireless industry, Leap Wireless has been left hanging–for now.
With potential acquirers preoccupied with other deals, any move involving Leap isn't expected soon. But the pay-as-you-go wireless provider, which offers service under the Cricket brand, is expected to sell eventually because–in an industry that increasingly relies on size and scale–the company will find it harder to compete against larger competitors and its spectrum will become more attractive to possible buyers.
Leap has remained on the outside, so far, because its spectrum is located in more rural areas and, thus, is deemed less desirable than others. Also, the company has high debt levels, a sluggish core business and a majority shareholder who has appeared unwilling to make a deal in the past.
For its part, a Leap spokesman reiterated recent public comments by executives that stress efforts to turn around the company. The company has said it is evaluating "all options," including cost cuts and potential asset sales.
Still, the company's stock continues to slide. Shares of Leap Wireless fell 3.6% Monday to $6.13. The stock has lost about a third of its market value in 2012 and is one of the few telecom holdings in the red this year.


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Google plans to sell an Android phone made by HTC next year direct to consumers, the WSJ is the latest to report.
This as opposed to selling it through carrier stores, which is how consumers buy the vast majority of cellphones in the U.S. "Users will have to buy cellular service for the device separately," Jessica Vascellaro writes for the WSJ.
The problem: Unless Google is subsidizing the phone itself -- or has deals with carriers to subsidize it once a consumer picks them as their wireless provider -- it could be prohibitively expensive.
A comparable high-end smartphone -- something like Apple's iPhone -- costs up to $500-$600 wholesale, before a carrier subsidy in the $300-$400 range. (Or maybe even more.) So if Google will really be selling phones at full retail -- and they're going to be as good as the Droid or iPhone -- they could easily cost $500, $600, or more.
No matter how awesome Google thinks its phone is, it will have a very hard time selling a $500 or $600 phone. So if the goal of this phone is to increase Android's market share, and there really is no subsidy, it will likely fail. (Google is not a dumb company, so we assume they have this figured out. But so far, no details.)
Update: It appears the phone will be ideally serviced by T-Mobile, as that's the 3G radio bands it's suited for. Perhaps T-Mobile will offer a $200-300 service credit (in lieu of a device subsidy) for those signing 2-year contracts.
Get the latest Google stock price here.


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Desktop Pets Wrist Rest
Can't get the dog to stop barking or the cat to stop scratching? We can't either. That's why we adore these supercute pets that never need scolding. Lying quietly at the base of your keyboard, this loyal dog or cat wrist rest gives your hands extra support while you type. And with a removable head to rest your hand on while you use the mouse, these two are sure to become your favorite fabric pets. And the best part? No shedding!
Finished size:
- 18" L x 3½" W x 1½" H (body)
- 5½" L x 3½" W x 1½" H (head)
Item shipped worldwide.


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Crop Biology- OECD
Consensus Document on the Biology of Triticum aestivum (Bread Wheat)
Triticum aestivum, bread wheat, belongs to the order Poales (Glumiflorae), family Poaceae (Gramineae), tribe Triticeae, genus Triticum. The tribe Triticeae consists of 18 genera which are divided into two sub-groups, the Triticinae and the Hordeinae. The major genera in the sub-group Triticinae are Triticum, Aegilops, Secale, Agropyron and Haynaldia (Odenbach 1985, Zeller 1985, Körber-Grohne 1988). Attachments: Biology_of_WheatRead More
Consensus Document on the Biology of Bananas and Plantains (Musa spp.)
Edible bananas and plantains belong primarily to Musa section Musa (traditionally Eumusa). Within this section, the originally Asian species Musa acuminata and Musa balbisiana have provided the sources for domestication and development of the great majority of edible fruit. Dessert and cooking bananas and plantains are major foods worldwide, cultivated in over 130 countries throughout tropical regions and in some subtropical regions, in Asia,…Read More
Consensus Document on the Biology of Cassava (Manihot esculenta Crantz)
Three subspecies of cassava have been recognized: Manihot esculenta ssp. esculenta is the cultivated strain, and M. esculenta ssp. flabellifolia and M. esculenta ssp. peruviana are wild forms (Allem, 1999, 2002). In this document, "cassava" will be used to refer to the cultivated strain, M. esculenta ssp. esculenta. Common synonyms in other languages are manioc (French), mandioca, macaxeira, and aipim (Portuguese), yuca (Spanish), and manioca (Italian). Attachments: Biology_of_CassavaRead More
Consensus Document on the Biology of Cotton (Gossypium spp.)
Generally cotton refers to four species of the genus Gossypium L. apparently domesticated independently in four separate regions, in both the Old World and the New World (Sauer, 1993; Brubaker et al., 1999c). The word is derived from the Arabic "quotn", "kutum" or "gutum" and refers to the crop that produces spinnable fibres on the seed coat (Lee, 1984;…Read More
Consensus Document on the Biology of Zea mays subsp. mays (Maize)
Maize, or corn, is a member of the Maydeae tribe of the grass family, Poaceae. It is a robust monoecious annual plant, which requires the help of man to disperse its seeds for propagation and survival. Corn is the most efficient plant for capturing the energy of the sun and converting it into food, it has a great plasticity adapting…Read More
Consensus Document on the Biology of Papaya (Carica papaya)
Papaya, Carica papaya L., is an almost herbaceous (succulently soft-wooded), typically unbranched small tree in the family Caricaceae. Europeans first encountered papaya in the Western Hemisphere tropics by at least the early 1500s (Sauer, 1966), and various interests were soon disseminating it widely (Ferrão, 1992). Papaya is now cultivated worldwide in tropical and subtropical climates mainly for its melon-like fruit.…Read More
Consensus Document on the Biology of Beta Vulgaris L. (Sugar Beet)
Sugar beet (Beta vulgaris L. ssp. vulgaris var. altissima) belongs to the family Chenopodiaceae and the genus B. vulgaris comprises several cultivated forms of B. vulgaris subsp. vulgaris. Cultivars include leaf beet (var. cicla) and beetroot (root beet USA). Attachments: Biology_of_Sugar_BeetRead More
Consensus Document on the Biology of Helianthus annuus L. (Sunflower)
The sunflower belongs to the genus Helianthus in the Composite family (Asterales order), which includes species with very diverse morphologies (herbs, shrubs, lianas, etc.). The genus Helianthus belongs to the Heliantheae tribe. This includes approximately 50 species originating in North and Central America. Attachments: Biology_of_SunflowerRead More
Consensus Document on the Biology of Sugarcane (Saccharum spp.)
Sugar is commercially produced from either sugar beet (Beta vulgaris) or sugarcane (Saccharum spp.). Sugarcane is a tall-growing monocotyledonous crop that is cultivated in the tropical and subtropical regions of the world, primarily for its ability to store high concentrations of sucrose, or sugar, in the stem. Modern sugarcane cultivars that are cultivated for sugar production are founded on interspecific…Read More
Consensus Document on the Biology of Glycine max (L.) Merr. (Soybean)
Cultivated soybean, Glycine max (L.) Merr., is a diploidized tetraploid (2n=40), in the family Leguminosae, the subfamily Papilionoideae, the tribe Phaseoleae, the genus Glycine Willd. and the subgenus Soja (Moench). It is an erect, bushy herbaceous annual that can reach a height of 1.5 metres. Three types of growth habit can be found amongst soybean cultivars: determinate, semi-determinate and indeterminate (Bernard and Weiss, 1973). Determinate…Read More


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TIME-TO-MARKET: You can find the latest evaluation boards and samples in our shop. So that you do not lose any valuable time.
RUBYCON is one of the worldwide leading Japanese manufacturers of aluminium electrolytic capacitors. In addition to their own in-house development and production they have their own aluminium foil factory and production machines. This know-how brings big advantages in designing products according to the customer´s needs.
A close communication between those very important business divisions, which are located quite close to each other, is the key to the success of RUBYCON. So they can react very quickly to customer´s requests.
E-caps & polymer capacitors
RUBYCON is market leader in long life e-caps and very strong in high performance e-caps like high ripple current / low impedance with continuous miniaturization. In April 2012 RUBYCON celebrated their 60th anniversary, so they can look back to a long history of experience in developing and producing e-caps.
Besides this main business with e-caps also polymer capacitors incl. hybrid version, double layer and film capacitors are part of the portfolio. Of course is RUBYCON ISO9001, ISO/TS16949 und ISO14001 certified. Many different production locations in Japan and one in Batam (Indonesia) and regular high volume shipments to CODICO brings advantages and high flexibility in terms of availability and lead time.


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JORDAN U. GUTTERMAN, M.D.; GEORGE R. BLUMENSCHEIN, M.D.; RAYMOND ALEXANIAN, M.D.; HWEE-YONG YAP, M.B.B.S.; AMAN U. BUZDAR, M.B.B.S.; FERNANDO CABANILLAS, M.D.; GABRIEL N. HORTOBAGYI, M.D.; EVAN M. HERSH, M.D.; SHELLEY L. RASMUSSEN, Ph.D.; MAURICE HARMON, Ph.D.; MICHAEL KRAMER, Ph.D.; SIDNEY PESTKA, M.D.
Thirty-eight patients with advanced breast cancer, multiple myeloma, and malignant lymphoma were treated with partially purified (about 0.1%) leukocyte interferon. Patients were treated with a remission-induction schedule of 3 million to 9 million antiviral units daily intramuscularly for 4 to 26 weeks. Responding patients were maintained on a schedule of 3 million U three times weekly. Tumor regression was observed in seven of 17 patients with breast cancer. Six of 10 patients with multiple myeloma responded with a decrease of at least 50% in serum myeloma protein levels or Bence Jones protein excretion. Six of the 11 lymphoma patients achieved tumor regression. Complete remissions occurred in two patients. Of the 19 responding patients, five remain on study for 52 to 63 weeks. Toxicity included low-grade fever, fatigue, anorexia, and partial alopecia. Myelosuppression (lowest median leukocyte count, 2500/mm3; granulocytes, 1300/mm3) occurred in most patients. On the basis of this pilot study, we conclude that leukocyte interferon can induce tumor regression in patients with advanced cancer.
GUTTERMAN JU, BLUMENSCHEIN GR, ALEXANIAN R, et al. Leukocyte Interferon-Induced Tumor Regression in Human Metastatic Breast Cancer, Multiple Myeloma, and Malignant Lymphoma. Ann Intern Med. 1980;93:399–406. doi: https://doi.org/10.7326/0003-4819-93-3-399
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Published: Ann Intern Med. 1980;93(3):399-406.
Breast Cancer, Hematology/Oncology, Leukemia/Lymphoma, Multiple Myeloma.
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Friday, 24 April 2009
Prynne's Mental Ears and Poetic Work
Tuesday, 14 April 2009
The Real Hard Snapping Dawn
A cheaper solution uses an iPhone and iPod Touch (which looks like the iPhone, but is just an iPod with a big screen and wi-fi capability). BulletFlight software is available at the iPhone software store, and it performs the calculations needed to account for atmospheric conditions (wind, temperature, humidity, altitude and barometric pressure) for long range shooting. The output tells you how many clicks to adjust your scope to make the shot more accurately. Before use, you input basic data like rifle type and bullet weight.
Now a highly experienced sniper can do this in his head. There are similar dedicated devices that cost about $7,000. But BulletFlight is affordable, does the job and appeals to inexperienced snipers, hunters, recreational shooters and those who are just curious. The software costs $12. If you want to actually use it, you need to buy a protective case ($50) for the iPod, and a device ($25) that attaches it to the rail found on most sniper rifles and high end hunting rifles. So for shooting purposes, the entire kit costs you about $90. An iPod Touch (8 gigabyte version) sells for under $200.
There is some concern that the light from the iPod Touch screen might give away the snipers position at night. But you can set the light level on the Touch, so it probably won't be a problem. Besides, you are using BulletFlight (or the competing iSnipe) for long range shots (300 meters or more), so the light from the display won't be a major risk.


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- You are here:
- Academic
- Departments and Subjects
Personal, Social and Health Education is delivered by tutors during the Guidance period as well as through other areas of the curriculum. Employers and those in further education value the skills that are developed in PSHE because they say something about the student as an individual. These skills often include the student "working with others", "problem solving" or "improving their own learning." Target setting and preparation for the world of work are also covered within the PSHE programme.


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20 Excellent Blackwork Tattoos by Fredao Oliveira
If you enjoy dark and haunting blackwork tattoos then Fredao Oliveira is an artist that needs to be on your radar.
Blackwork tattoos are on the rise and one of the most popular tattoo styles of today, they're bold, detailed and eye-catching. Blackwork is simply brilliant and tattoo artist Fredao Oliveira is producing some of the finest.
Oliveira's illustrative blackwork tattoos are a unique take on the usual bold blackwork style. Where many artists will choose to work in a style using lines sparingly and making extensive use of negative space, Oliveira goes in the other direction and fills his tattoos with black ink all over the place. This results in a dark style filled with great detail, amazing linework, and nods towards the abstract.
Obviously, Oliveira's work is "dark," he works with only black ink after all, but his tattoos are also spiritually heavy. Focusing on abstract versions of skulls, human/animal hybrids, portraits with the deadest of eyes, and other nightmare fuel, Oliveira's tattoos get inside of your head, whether you want them to or not.
If you have found Oliveira's work as captivating as we do, you'll definitely want to give him a follow on Instagram.


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Jehan Circle Bus Stop, Gangapur Rd, Jehan Circle, Near Narlekar Hospital, Uday Nagar, , Maharashtra 422013
Nerlikar Hospital in Nashik in1985, when Nashik was a small place known mostly for its religious tourism, Dr. Vinayak Nerlikar MS (Ortho), MCh (Liverpool), FICS and Dr. Shobha Nerlikar, MS (General Surgery), FRCS (London) started Nerlikar Hospital which helped to transform the medical landscape of Nashik.Today, after 25 years it has transformed into a multi-specialty hospital with ICU, state-of –the-art medical equipments and facilities, fully equipped Operation Theatres, Pathology Labs, Ambulance service, trained nursing staff and a team of dedicated doctors.Dr. Vinayak Nerlikar performs Joint Replacement Surgeries, Spine surgeries, Arthroscopy and Trauma Surgeries.Dr. Shobha Nerlikar has evolved a unique Alcohol De-addiction Treatment.She has treated more than 25,000 patients with a success rate of 70 to 90 percent.


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This week's Wordless Wednesday comes from the Quad Cities. KWQC-TV6 has a weekly segment called "Tough Jobs" where reporter, Morgan Ottier, spends the day doing a job submitted by the station's viewers. This week, Morgan spent the day at Cinnamon Ridge Farms in Donahue, Iowa.
Here is a photo from Morgan's visit.
Here's a video of how Morgan spent her day.
News and Weather For The Quad Cities -


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Image data base software as image organizer:
With ' GERBING Fotoalbum 15' (fotos.exe) you can search selectively for fotos or videos in a data base in which you have stored keywords and location. After the search in the data base you can display the found fotos or videos. At the installation a small example data base is laid out. Enlarging the example data base to your own data base is very simply possible with the tool Fotosmdb. GERBING Fotoalbum 15 also can be started directly from a CD or DVD or the USB stick oder an external harddisk. That is possible, because the synchronisation is not lost between data base and files, if you copy your Fotoalbum (files, data base and programs) on another data medium. To do the copy you even need no special tool, the windows explorer will be sufficient. A data base is the only one way out, if users can not overlook or find again their variety of fotos or videos any more. You can import the EXIF and/or IPTC fields of your fotos. You can install GERBING Fotoalbum 15 for using a microsoft access data base or a microsoft sql server.
Data types/Formats:
The program fotos.exe distinguishes at the fotos in
- native data types
- link data types
Link data types are '3FR', 'ACR', 'ANI', ' ARW', 'B3D', 'CAM', 'CLP', 'CPT', 'CRW', 'CR2', ' CS1', ' CS4', ' CS16', 'DCM', 'DCR', ' DCS', 'DCX', 'DDS', 'DJVU', 'DNG', 'DWG', 'DXF', 'ECW', 'EMF', 'EPS', 'EEF', ' ERF', 'FITS', 'FPX', 'FSH', 'G3', 'HPGL', 'ICL', 'ICS', 'IFF', 'IMA', 'IMG', 'IW44', 'J2K', 'JNG', 'JP2', 'JPC', 'JPEG', 'JPM', 'KDC', 'LBM', 'LWF', ' MEF', 'MNG', 'MRW', 'MRSID', 'NEF', 'NGG', 'NLM', 'NOL', 'ORF', 'PBM', 'PCD', PCX', 'PEF', 'PGM', 'PIC', 'PICT', 'PPM', 'PSD', 'PSP', 'QTIF', 'RAF', 'RAS', 'RAW', 'RGB', 'RLE', 'SFF', 'SFW', 'SGI', 'SID', ' SR2', 'SRF', 'SUN', 'SWF', 'TGA', 'TTF', 'WAD', 'WAL', 'WBMP', 'X3F', 'XBM', 'XPM'.
The program can manage and play videos with the data type'ASF', 'ASX' ,'AVI', 'FLV', 'MKV', 'MPE', 'MPEG', 'MPG', 'MOV', 'MP4', 'WMV'
In addition 'GERBING Fotoalbum 15' can manage the file types DOC, DOCX, HTM, PDF, XLS.
Product features of image data base software:
Image organizing with other foto data base software:
1.Disadvantage of many products comparable with GERBING Fotoalbum 15 is the lack of a filenames list for the simultaneous indication of all keywords and for editing the keywords clearly and simply.
2.Many compared products want to be universal tools and do a variety of other functions as to archive find and display.
3.Many comparable products cannot work with free keywords.
Comparable image organizer software:
GERBING Fotoalbum 15 is suitable as:
-ACDSee Pro alternative
-Adobe Photoshop Lightroom alternative
-Fotostation Pro alternative
-PhaseOne MediaPro alternative
Features in detail
The software is unicode-enabled
A unicode-enabled software understands file names in any languages. The keywords used to describe the fotos/videos may be written in arbitrary languages. Even the IPTC fields contained in the JPG fotos are displayed unicode-enabled.
Manage fotos/videos through several albums
Sometimes, it is more convenient to break down your foto/video collection into several parts, especially if it consists of several tens of thousands of images. For example, your foto collection may contain fotos of your hobby (oldtimers) and private fotos (family and children). Just use the 'Ctrl + K' key to start the export to copy album parts into other albums.
Powerful search
The major requirement of any foto/video cataloging software is to be able to quickly find an image when it is required. GERBING Fotoalbum 15 offers a variety of ways to do this:
-a filtering mask where you select AND or OR operation
-additional filtering by date, grouping filter for maximal five persons
-search for FileName or FileNameShort
-search for any user defined field which can contain EXIF information as camera model, capture date, etc.
-additional filter 'First hit per year'. So it is possible for example to pursue the annual development of a child. Only the file found first per year is shown.
-search for fotos with GEO position which are located in an area which is drawn on a map.
User defined database fields
You can add user defined text fields at any time to the database (see tool Fotosmdb). With the help of Microsoft Access You can add user defined numeric fields to the database. If somebody collects fotos of cars, he can for example create the fields performance, year of construction, cubic capacity.
Sorting by any criterion
You can sort and group fotos/videos by any criteria just by clicking the column headline in the filename list.
The missing links problem
Sometimes, files or folders are renamed outside of GERBING Fotoalbum 15 using Windows Explorer or some other application. In this case, some data base systems can lose track of links to the original imported files. GERBING Fotoalbum 15 has a solution to this problem. The solution can be found in the tool fotosmdb.exe. There are the functions Check1 and Check3. Check1 checks each data base record whether any foto or video found in the field filename really exists. Then you can delete records with not existing filenames. If you use the function Check3 in the next step you find fotos/videos beeing no more or not yet in the data base and can them include into the data base.
Move database fields back to IPTC fields of JPG fotos
This function is interesting for users who use IPTC fields in their JPG fotos, as well as for users who have not previously worked with the IPTC fields. In principle it is the reversal of the import of IPTC fields. The function is created for users having imported the IPTC fields of their fotos to the keyword fields of the database and then have done a lot of editing and changing the database fields. Now there are possibly big differences between the keywords in the database and the keywords in the JPG fotos. With the function 'IPTC...' in the tool fotosmdb.exe such users can synchronize the keywords in the database fields and in the IPTC fields of the JPG fotos. Users who have not previously worked with IPTC fields do not need third-party software for generating metadata when using this function, .
Actions with the actual file
It is not necessary to have built in image processing functions. You can jump from the actual file to your favorite Application connected with the filename extension. This and other actions can be selected from the filename list. Here you have an overview over all these actions:
1.Open for the actual file the Application connected with the filename extension
2.Open the print program for the actual file
3.Open the window 'New email'
4.Open an explorer window where the actual file is selected
5.Open RenamMdb for the actual file
6.Select only the records marked by marker column
7.Delete files marked by marker column in data base and folder
8.show GEO position
9.Go to the hyperlink
10.field update by repeated import.(GPS coordinates)
Network support and multi user environment
What is a multi user environment? That means you install 'GERBING Fotoalbum' on a local network computer. Read at faq.
GERBING Fotoalbum 15 can be installed on a microsoft sql server since version 13.4.0.
Change between too languages
You can change the language between english and german at every point after the installation. The only conditions are that you start the program newly and that the data base is not write protected.
What are IPTC fields
IPTC fields describe the picture content. In contrast to the EXIF fields, which are generated by the camera when taking a photo the IPTC fields must be created by the user. Both become part of the picture. The user must take care for appropriate IPTC software by himself. As soon as they are part of the picture IPTC fields and EXIF fields never are lost.
GERBING Fotoalbum 15 is following the specification IPTC-NAA Information Interchange Model Version No. 4.1.
The following fields are available:
In addition GERBING Fotoalbum 15 can also import/export the properties fields used by the Microsoft Windows Explorer to describe JPG or TIF Photos. In Windows 7 you can find these fields by right clicking on the photo - Properties - details.
If you have filled these fields with content, you can import them when adding new records into the database and also export from the database.


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A good medium-priced option to choose if you have a limited budget but still want more volume and dynamic output.
Uses a more durable design and construction for the speaker casing compared to most 8" subwoofers. The outer exterior uses injection molded plastic for a good combination of high durability and better sound production that other budget options often lack. Maximum 600W power rating is just enough to fill a typical car interior with better low ends.
Subwoofer speaker requires special or professional installation.
A good, budget-friendly way to improve the bass end of your car's audio system. Better than most factory speakers.
Uses a standard, reliable speaker design so you can expect years of consistent performance. The speaker itself is made of common components, making unexpected repairs and replacements easy to do if necessary.
Sound output can be lackluster when paired with a 200W system.
One of the few subwoofer options that combine a budget price with the capability of higher power output.
Decent frequency response and power output given the price tag. Will be a good upgrade for factory-installled, base trim audio systems that fail to provide the volume needed for car use.
Construction quality is subpar compared to other, more expensive subwoofers.
A simple way to add better bass output in your car without having to drill or cut any holes in the interior.
Under seat design of the subwoofer places the speaker in the optimal position to feel the low end of most styles of music. Easier to install in the interior than other individual subwoofer speakers.
600W maximum power rating doesn't provide the same dynamics and volume as some comparable speakers
A good subwoofer option to consider if you want to add an audio upgrade in a vehicle with limited interior space.
The slim, low-profile design of the subwoofer makes it possible to install it in virtually any space of a car's interior. Perfect for positioning the subwoofer under seats or dashboards when you want the speaker out of sight and out of mind. Included case adds better dust resistance than individual subwoofer speaker options.
Sound output won't match the "earth shattering" feel of more expensive, premium subwoofer options.
We purchase every product we review with our own funds — we never accept anything from product manufacturers.
We purchase every product we review with our own funds — we never accept anything from product manufacturers.
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and give us feedback about your visit today.


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All-On-4 Dental Implant teeth in a day
Kelly, from Denver, CO had the All-On-4 dental implant teeth in a day procedure completed. Kelly suffered from dental decay and old miss-matched dental crowns. Our Denver Dental Implant Specialists help Kelly custom design the smile that he wanted in one day!
All-On-4 Dental Implant Teeth in a Day
Beverly, from Cheyenne, WY suffered from missing teeth, uncomfortable partials, and periodontal disease for many years. She was unable to eat healthy foods and as a result had numerous health related problems. Beverly choose to have the All-On-4 dental implant teeth in a day method. Beverly now has a beautiful, strong smile. Not only does she look great, her health has improved greatly!
Single Dental Implant
Karen, from Westminster, CO had a single dental implant and fixed tooth placed in one day. Karen suffered from problems with a failing root canal tooth, which discolored and darkened. Karen used to hide her smile from the world. Now you cannot tell which the dental implant tooth is and which are not. Mile High Dental Implants is one of the only providers in the Denver Metro area to be able to place and restore a single dental implant in one day.


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Ages 12 months through 24 – 28 months
Toddlers enjoy the creative environment of The Meadow Room with art work created by Brian Major. Our toddler room is licensed for 12 children, with two teachers. Our ratio is 1:6, under the state ratio of 1:7, which means we are able to respond to their needs consistently, promptly and lovingly. The room is filled with natural light and lots of interesting things to do and opportunities to learn.
We guide toddlers behavior in a respectful and positive way that promotes self-discipline as they learn to express their feelings in acceptable ways. Teachers begin introducing basic self-help skills and independence. Children sit around the table together with their teachers and practice meal time conversation and feeding skills, like eating with a spoon and drinking with a Sippy cup.
Toddlers enjoy a lot of sensory activities from playing with shaving cream, ice cubes, balls and other toys as well as fun activities like dressing up, art, music and dance, and story time. Our toddlers also enjoy time outdoors in the morning and afternoon in their own toddler sized playground.
Deidre Johnson: Toddler Room Lead Teacher
Top 5 Strengths:
Rina Correa: Assistant Teacher
Top 5 Strengths:
Rosario Sanchez: Assistant Teacher
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TUITION. The billion-dollar industry that everyone is talking about. Advertisements of an extremely wide range of services from academic coaching to enrichment to subject-specific bombard parents so much so that parents are fearing that if they do not send their child to any of these services – their child and they will lose out in the end. When I spoke to some parents on why they send their children for tuition, answers range from "So that they can enrol in the Gifted program" to "I don't think he can self-study without supervision." But how do you know if your child really needs tuition?
There are 3 major fields of tutoring:
If your Child needs a Subject Specific Tutor
The biggest warning sign is when one of your child's teachers expresses concern about her progress or about what her final grade might be.
If your child struggles with a particular subject, it can be a variety of reasons. The most common reason is probably that the teacher may be teaching too fast as he/she needs to cover a number of topics within a given (usually short) time frame. Most children really need more practices and reviews but somehow the teacher has already move on with some of the classmates. If your child is poor in expressing themselves, they will find it difficult to formulate her questions and thus face trouble getting help from a particular teacher.
Another possible reason is that while your child is able to keep up with class discussions and projects in a class or receive good grades on homework and project, they are still unable to see it in a "big picture" manner (how one topic links to another part or 'piecing the jigsaw') and thus, tend not to do well on tests. This happens when questions are often tweaked slightly from a different perspective and lo and behold! Your child finds that somehow, they are unable to answer that question even though they seem to have talked and practiced it a thousand times before.
RELATED: The REAL Reason why Parents are not Allowed in Motivational Camps
If your Child needs a Organisational Tutor
There are some students who always seem perpetually 'lost'.
Somehow when it's time to study, your child just can't find the information in her/his notes or even loses her/his assignments. Their homework is often in a mess and incomplete but somehow she/he can never find the time to finish them. They hardly plan their time. They don't know how to review their tests because he/she waste more time studying content they already know instead of what is needed for the test or assignments. These students either have disabling organisational styles or exhibit a divergent style of thinking (Visual Spatial aka CREATIVE). What they need is really an Academic Coach who is able to teach them planning and organisational methods as well as study skills. This helps them to juggle both time and understand how studies really work.
(Please note that some children are messy but are still able to do well in their studies.).
Most times, parents of these children will go "I know they can do it one but they are just not paying enough attention." They may not identify what is the real issue their child may be facing.
What they really need is someone who can teach them how to organise their thinking, schedules and notes.
RELATED: 6 Reasons why MotivationalCamps for Children do not help – backed by Science
If your Child needs a Special Education Tutor
If your child continues to do poorly even with tuition, your child may need a little more guidance. If your child's teacher comments that your child seems to know the material during class discussions but does poorly in tests, it may be due to the strong anxiety that your child feels as they don't feel secure about what she knows in class.
One thing that most parents don't realise is that topics don't exist in isolation. A topic is usually linked to several topics and your child may have trouble pulling together multiple ideas in his/her written work. This results in your child having issues working
Another possible reason that your child may be suffering from poor grades may be due to difficulty with reading comprehension. Once this happens, this can affect his/her grades in multiple classes or subjects since reading is involved. This can couple with your child's unclear understanding of their weaknesses and they may not know strategies on how to work around them. For example, those who are more diligent may continue studying without breaks when they need them.
When your child suffers from such strong anxiety, this makes it very difficult for them to learn or the be able to navigate life well if obstacles come across their way. This is when parental support is extremely vital and parent-bonding courses are required because once anxiety takes root in your child, anything can be a trigger and leads to drastic consequences.
When Parents Push their Children Who are Already Scoring Well
There are some children who are pushed by their parents to go for additional classes – believing that it will help to stretch their children. One thing to note – these courses are only successful only if your child enjoys going for these lessons as learning takes place only when it is fun.
However, there are those who go for extra tuition just to maintain their As. When this happens, the message that we are telling these students that they cannot be happy anywhere but at a small, selective group of colleges or universities. When this occurs, any deviation from their As may results in tragic results. Doing so may encourage impatience with their development and gives the wrong impression of what success in their lives should be. These students may not be able to realise the full potential of their abilities and interests.
If you need advice or have enquiries regarding the above post, please contact me at facebook.com/Smartification.
- "Tuition Ruined my Childhood"
- How to gauge if your child really needs a tutor
- Types of tutoring available
- Types of Tutoring Options and their pros/ cons
- Types of Tutors in Singapore
- Factors to evaluate your Potential Tutor and Questions to Assess Them
- What Your Tutor needs to Know From You
- Types of Teaching Methods


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St Peter's Hospice provides specialist palliative care to adults in the wider Bristol area with life-limiting illnesses, including support to their relatives, friends and professional carers.
All Hospice services are free of charge to everyone.
Patients are referred by their GP, District Nurse or hospital Palliative Care team for help with controlling pain and unpleasant symptoms, for information and for ongoing support and advice.


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Freelancer in the Spotlight: The Final Edit
Categories: Career Advice
A wanderer from an early age, American-born Lauren Kiraly packed up her American life and crossed the ocean to the Netherlands almost a year ago, husband in tow. Now her company – The Final Edit – is here to help non-native English speakers with their English skills and to present their best selves. She spoke to us about her work, her experience, and the importance of communication.
A group of expats are sitting at a bar table getting to know each other. Although they all speak English well, only one or two are native speakers. As the drinks flow, they share jokes from their home countries. "What kind of jokes do you tell in Germany?" Valentina asks Sven.
"Well, mostly we tell anal jokes" Sven replies with straight-faced Germanic sincerity. He's a little surprised to see everyone at the table gaping open-mouthed at his statement. Who speaks like this to strangers, professionals at that?
"What he meant to say was 'toilet humor,'" Lauren explains. "Sometimes people have the right idea, but the words they choose are completely wrong, because they don't totally understand the language and its rules. It's really funny in conversation with friends, but when you're trying to convey something to a professional audience you really want to make sure your words don't get twisted. It can unintentionally confuse people and muddy your message."
Clear communication
Clear communication is Lauren's bread and butter. Seeing opportunities like this, Lauren recently launched The Final Edit, a proofreading, editing and copywriting company that helps Dutch natives and international expats present themselves clearly and fluently in English.
"No matter how proficient and fluent you are in a second language, it's just not your native language. There are small nuances and colloquial phrases that'll always be missed. When I realized this a light bulb went off. I thought, oh my gosh – this is something I can offer," she said.
Lauren's target market are professionals. "When you're presenting an important idea to a professional audience, it's important to effectively convey that idea."
Making the move
Lauren knows the professional world inside out. In America, she's worked in change management, organizational design, and leadership development. In ten years, she's cranked out Board of Trustee reports, business proposals, marketing campaigns and event brochures.
Last year, Lauren and her husband decided to leave corporate America and hit the road. "I said to my husband, why don't we do something really drastic and move abroad?" she recalls. "And that's how we ended up in the Netherlands."
"It was so exciting to touch down here." She said. "I moved around a lot growing up. Before I was twenty I lived in seven different states, and moving abroad was the next version of that."
Getting to work
Although she intended to take a year off work and enjoy her new environment, Lauren soon got to work in the Netherlands. Learning Dutch was the first step. "It was my first time learning a second language, and it really showed me how hard it is," she told us. "My first few months here deepened my perspective into the importance of communication."
Meanwhile, Lauren got involved in TedxAmsterdam Women, an organization made up of professional women in Amsterdam. As one of a handful of native speakers in the group, Lauren quickly found herself editing copy on the group's website.
"These are some of the most influential women in Amsterdam, and even they welcome someone to put the finishing touch to their writing," she realized. "That's partly what sparked the idea for my business, and I've had a ton of interest since."
If potty-mouthed Sven wants to avoid accidentally joking about his boss' bodily functions at the next board meeting, why should he go with Lauren's company?
"I come from a background where I had to write messages every single day to motivate people to some kind of action. They had to be easy to understand, in relatable terms and concise," she told us. In other words, sharp and effective communication is her specialty.
As well as communicating for clients, Lauren has experience in coaching, making her a listener as well as a speaker. She's confident in her talents and looking forward to developing her business and her relationship with the Netherlands in the coming months and years.
A relaxed culture
And that relationship is a relaxed one. Coming from the relentless, work-dominated lifestyle in the United States, Lauren finds life in the Netherlands a pleasant contrast. "It's been a refreshing change seeing how career can be one of many passions filling a person's plate, ultimately taking a more balanced position in a person's identity," she told us.
She thinks the Dutch have a healthier lifestyle than their American counterparts, but does admit to having had her fair share of bitterballen and friet met mayo. Everything in moderation.
Want to give your professional English that finishing touch? Lauren can help with anything from a client-facing email to a full-on business proposal. Visit her website or call 0614576401.
5 Responses to "Freelancer in the Spotlight: The Final Edit"
Great idea Lauren, glad you found success in The Netherlands.
Thank you, Steve! It's been a journey of many 'firsts', adventure and excitement.
You rock! Hire me?!?!
Well done, Lauren! Woodsie creativity making an international difference!
Interesting and stimulating interview!


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Aquarium Advice Addict
Last Activity: 05-23-2019 12:48 AM
About Me
- About TMaier
- Biography
- Old lady with a tank...
- Location
- Concord, CA
- Interests
- Too many to name... painting, gardening, pug momma with a fish tank too!
- Occupation
- Live
- My Tanks
- 29 gallon freshwater tank. Sunsun 703 canister filter and Finnex Planted+ 24/7 with Neons, Dwarf Rainbow Tetras, Khuli's, mystery snails and Amano shrimp, garnet sand and black lava, Java Fern, bucephalandra, anubias. 20 gallon long, Sunsun 302 canister filter and Aqueon modular lights, mystery snails and RCS, garnet sand and petrified wood. 30L Biorb with Betta, Java fern and big wood. 9 gallon Biube, Ramshorn snails, Java fern and mosses and some fake plants.
- [SIGPIC][/SIGPIC]Old lady with tanks...
Showing Friends 1 to 1 of 1
- BettaChi
- Aquarium Advice Regular


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Stephen Elop might have one of the hardest jobs in technology right now. Taking the helm of Nokia in September, after leading Microsoft's Office unit beforehand, the new chief executive has had to deal out layoffs, disappoint investors, fend off acquisition rumors, face irate shareholders and – perhaps worst of all – tell Nokia employees years of hard work would be abandoned.
Instead of Symbian and MeeGo, Nokia would adopt Windows Phone 7, the new mobile operating system from Microsoft. No doubt, many at the Finnish cell-phone giant see Elop as a Trojan horse from Redmond, though he has tried to shed the image.
A feature from Businessweek, published today, digs into Elop's first six months at Nokia, and starts off with a chilly scene from March:
Without slides or props, Elop stood in the town's gymnasium and explained his signature decision as chief executive officer: to dump Nokia's homemade Symbian software, which has shipped on some 400 million phones, in favor of Microsoft's nine-month-old Windows Phone 7 software that runs on a mere 4 million. Elop spoke in his usual manner, an engineer's earnest, you-know-as-well-as-I-do appeal to reason. As he marched through his logic, the Nokia employees, aware that their new boss had only recently arrived from the very company whose software they would now be humiliatingly forced to use, betrayed no signs of emotion. Rather, a heavy silence filled the room, as if Elop were a defense attorney being watched for signs of inconsistency.
Much of what Elop had to say wasn't news to his audience, but it was still distressing. In his measured telling, Apple and Google (GOOG) had changed the industry from handset-focused to software-focused. Symbian had fallen too far behind to have any hope of catching up. Worse, the company's great hope for the future—a software platform created with chipmaker Intel (INTC), called MeeGo—wasn't ready to pick up the slack. He tried to negotiate a deal with Google to run Android, but Google refused to give the world's biggest phonemaker any advantages over its smaller partners, meaning Nokia's corps of 11,600 engineers would have next to no ability to add their own innovations to Google's software. "It just didn't feel right," Elop says to the crowd. "We'd be just another company distributing Android. That's not Nokia! We need to fight!"
Some more highlights from the Businessweek piece:
- Elop took 57 international trips from September through January to nail down strategy.
- He is already using a working Windows Phone Nokia device.
- Elop first met with Nokia Chairman Jorma Ollila about the CEO gig in June 2010, over breakfast at a Redmond hotel.
- In November, when Elop was in Bellevue to talk with Microsoft CEO Steve Ballmer about a partnership, Ballmer sent a stretch-limo. "I wanted to get out and walk the last block" to campus, Elop told Businessweek.
- There was a short window to make the deal – from November to early February.
- Nokia was on track to release only three MeeGo phones before 2014.
- In negotiations, Google "acted like they'd already won" over Microsoft, Elop told employees. "Apple and Android deserve some real competition."
- A Microsoft acquisition of Nokia "was never a topic of conversation," Elop told Businessweek.
Read the entire Businessweek article, "Stephen Elop's Nokia Adventure."
Via GeekWire. Visit the Microsoft Blog index for more Microsoft news and technology news, and seattlepi.com for more Seattle news.


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2016 Already a Breakthrough Year For Solar Energy
Solar energy has been growing for years now. But 2016 could turn out to be one of the biggest yet! Growth is predicted now at 116% New technologies, new regulations, public opinion, green businesses have led to many new models of solar available. Community solar and micro-grids, unheard of just a few years ago are gaining significant momentum. The Hill does a good job of explaining how this is a nationwide phenomena. Read Here.


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Baja Travel Resource Guide presented by:
Diving and Snorkeling
Although there are numerous offshore islands on both the Pacific Ocean side and Sea of Cortez side of the peninsula that offer excellent diving opportunities (some for snorkeling as well), the most popular spots are the mostly tropical waters of the mid to lower Cortez near: Bah�a de Los Angeles, Muleg�, La Paz, Cabo Pulmo (East Cape) and Cabo San Lucas. La Paz likely offers the more diversified choices of diving destinations.
Popular sites in...
- L A Bay: Isla Coronado. East side for divers, west side for snorkelers (around Isla Mitlan).
- Muleg�: Isla Santa Inez, or Conception Bay.
- La Paz: Isla Espiritu Santo, Isla Partida, Los Isolotes, the Salvatierra shipwreck, and El Bajo Seamount are the most popular of the areas sites. El Bajo is known for large manta-rays, whale sharks and schooling hammerhead sharks.
- Cabo Pulmo: The Pulmo Reef is a living reef that is, in theory, protected by the government. In reality, the encroachment of human beings on this location will most likely be the death-knell for the sealife that relies on the reef. From what I know this is the only living coral reef along the west coast of North America.
- Cabo San Lucas: Noted for its infamous sandfalls near shore, the nearby Pelican Rock is great for snorkelers and divers alike. Along the corridor, Playa Barco Varado, Bah�a Chileno (by the Hotel Cabo San Lucas), and Playa Santa Maria (by the Hotel Twin Dolphin) are excellent for both divers and snorkelers as well. Cabo dive info link
� Copyright 1996-2002 Q87 International, San Diego, CA. All rights reserved. User Agreement.
Last revised: June 21, 2002
[return to contents page]


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The design of the LTM 1300-6.2 marks a first as it features an innovative drive concept: The engine in the chassis drives the crane superstructure by mechanical shaft. The 300-tonner also features a high lifting capacity and variable boom systems. On the one hand it is designed as a simple folding jib crane whilst on the other it is the smallest luffing jib crane on the market providing crane companies with a low cost entry point into the luffing jib crane class.


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Five Finger Death Punch's Jason Hook Talks New Album, Fall Tour and Internet Haters
On Oct. 11, Five Finger Death Punch return with their newest album, 'American Capitalist.' Never one to err on the side of caution, Five Finger Death Punch come out guns blazing with first single 'Under and Over It,' an aggressive yet infectious ode to online trash talkers.
If the title 'American Capitalist' makes you raise an eyebrow or two, mission accomplished, but it might not mean what you think. It has an underlying theme of capitalizing on the opportunities that come your way in life. For Five Finger Death Punch in particular, it means fighting for everything you have, tooth and nail, and loving every minute of it.
'American Capitalist' promises the best yet from Five Finger Death Punch and will help solidify their role as the frontrunners of modern metal.
Loudwire recently talked to guitarist Jason Hook about 'American Capitalist,' their new bass player and their upcoming Share the Welt Tour with All That Remains, Hatebreed and Rev Theory.
When you wrote the first single 'Under and Over It,' you were lashing out a bit. But now that some time has passed and the fans have embraced the song, can you kind of sit back and enjoy the fun that you're having with it and the implied sarcasm?
The lyric came from a direct response to Internet haters. The Internet has a small community of haters, people that try to stimulate themselves by attacking any news post that comes up on some of the favorite music news sites. They leave harsh attacking comments and encourage other haters to get on board. We read this stuff and kind of scratch our heads a bit wondering where it comes from. I don't understand why some people feel that that's necessary. But 'Under and Over It' was a direct response to that kind of stuff and that small group of people. The comment threads are coming from anonymous people.
Online, people can flex their muscles anonymously without having the nerve to say the same things to your face right?
Exactly, it's pretty lame. It's anonymous so it's pretty safe to drum up the most horrible stuff you can think of and not have to accept responsibility for it. That's pretty weak. Ivan, who is responsible for 99.5% of the lyrics, had originally written them as 'I'm F---ing Over It.' We told him we weren't sure if he should say that, there's got to be a more clever way of saying the same thing. We tossed around some ideas and came up with 'I'm Under and Over It' which actually fits the whole concept of how much work is involved and how we're under a lot of pressure. Even though we enjoy what we do, you can't get away from it.
As far as the success of the song, it's now No. 8 on the Active Rock charts after three weeks so we're very happy with that. It's a pretty aggressive song; we didn't know how it was going to perform at radio. We're really pushing the boundaries which is kind of what we're all about anyway, taking chances. No great reward comes without great risk. When we went to pick the first single we decided to plant our feet as being an aggressive band without seeming like we're concerned with the commercial response that we may or may not get from it.
Was the writing process more collaborative this time around now that the lineup is solidified and you're three releases in?
I feel like we've settled into a really nice system. Jeremy, Zoltan and I are responsible for coming up with the music. Each one of us has a home studio and we all live within five minutes of each other in Vegas. It's very easy for the three of us to brainchild the music and as soon as we have a finished track or an outline of a song from beginning to end, that's when we pass over to Ivan. It's usually in the form of an email.
Ivan was living in Denver until just recently so that's why it worked that way but now Ivan lives in Vegas, too. A lot of his preliminary writing is best done when he gets a chance to soak on it by himself. The creative process is kind of like growing grass, you want to plant the seed but you don't want to hold a football game on it the next day. You have to water it, give it sunlight and basically 'do not walk on the grass' – so we usually let him be alone for a little while. Coming up with the subject matter and the story lines is a very difficult job and he's extremely good at it so we try to let him have his space with it.
Does the album title 'American Capitalist' relate to the overall album or is it just a blanket statement that you're making?
When it comes to picking album titles we like to come up with stuff that makes people scratch their heads a little bit. It would be easy to go with something safe but we love to try to say something or have it raise an eyebrow. With our last album, 'War Is the Answer,' you always hear "war is not the answer, peace is the answer" and all that f---ing crap. We knew people might think it was bold to come out and say, 'War is the Answer' and what are they trying to say? It was all just a mentality about winning, war being the absolute struggle between life and death. The mentality that you give it your all because there is no second place.
With 'American Capitalist,' we are five extremely driven and motivated individuals and I think capitalism, for me at least, says that we're always trying to capitalize on whatever our situation is at the time. We like opportunity, we like turn opportunity into bigger and better. A winner takes all mentality of capitalizing on the situation, whatever that is for you. For me, it's a positive thing, we're fighters, and we want everything. You work hard for your money so we work hard for your money.
Do you think it's strange that healthy competition within our society has been turned into a bad thing?
I'm not sure people are really going to dig too deep into the album title. They may think it's a political thing, but it's not. For me, the United States of America allows you all the freedom to go out and take as much as you are able to take. So, that to me is exciting, we are into that and if you don't like it … f--- off. If you want to be a part of it that legion then come on board, we're the lions of the jungle. It's an honorable thing.
Zoltan said something interesting about it. He said, "If we were all equal, evolution wouldn't exist. The human spirit encourages us to excel." I thought that was a powerful message that people could stand to be reminded of every now and then.
Without being too heavy about it, that's really the message we're trying to get across. We're trying to push people to go out and create their future instead of settle for what they think they've been handed, and that's the 'American Capitalist,' that's what we are and that's the name of the record.
Let's talk about some of the new songs on the album; what can you tell me about 'Everything'?
'Everything' is the sort of ballad on the record, if you will. It was actually a song that I brought in. Zoltan isn't really a ballad guy, so it was something I was working on with Jeremy and we played for Zo and tweaked it all together. I think it's a pretty moody piece of music and I'm proud of it. When you talk about the lyrics, I'll leave it to Ivan. When you hear it, it's pretty poignant; he talks about his upbringing and his childhood. It's pretty heavy duty and I'm excited to see how that song performs.
On the song 'If I Fall,' you incorporated a lot of different elements; how did that song evolve?
That was another one from the batch of songs that I brought in. It pretty much was stuck on the back burner for the whole record, I'm not sure if anyone else liked it. I know our producer liked it a lot and it went through many different face lifts before it ended up at 'If I Fall.' I love the lyric; again Ivan takes something that's potentially pretty safe sounding and puts a lyric to it that makes you say "Huh?" The lyric is something like 'If I fall, I'm taking everyone down.'
Back in June, you officially announced Chris Kael as your new bassist. What sort of dynamic has he brought to the band?
We're such a big fan of this guy; I like to half-jokingly say 'God sent us Chris Kael.' Chris was the last fellow to come in and audition. Chris actually had been sniffing around our camp before we even announced that we were looking for a bass player. Chris is from Vegas so he had some advance information that there might be an opening. We had auditioned a handful of guys and then Chris hit me up on Facebook and asked for a shot at an audition. I asked him if he could sing because we needed to be able to cover Ivan's call and answer and we need someone that can sing melodies and harmonies and he sent me an MP3 and said he was the lead singer in his last band.
At that point, I figured, this is probably going to be the guy as long as he's not a douchebag. We liked him right away, he's a very healthy, peaceful individual with great musicianship and vocal ability, and he's local. Everything seemed to happen for a reason, he was so perfect for the group that it was almost weird that it worked out that way.
The band has referred to this album as 'night and day' from the music you released back when the band first came on the scene – what do you attribute these changes to?
Well, I think that the honest answer is that the band was really put together in the beginning by Zoltan and Jeremy. I have a great amount of respect for Zoltan, because in this day and age to start your own band and finance every rehearsal and pay for all the demo-ing, it takes a tremendous amount of will power and belief. At 20 years old, you do it just because you love it to death; when you get older and everyone has mortgages and bills to pay, to dedicate that kind of energy into a brand new band is very admirable. I think 'The Way of the Fist' primarily was built out of Zoltan, Jeremy and Ivan.
Why are things different now? Well, it's seven years later now. I came into the band right before 'War is the Answer' was released, so that added that element to the sound as far as songwriting and flavor. Also, the producer that we work with, Kevin Churko, is a great talent and quite a musical force as far as the way things sound when we done.
You mentioned producer Kevin Churko, he produced the new album, as well as your last one. Is it that chemistry that made you work with him again this time around?
We're a bit of a tricky cat and I think it takes a specific talent level and a certain individual to come in and work alongside of us. I don't think it's an easy fit so when we find someone that does fit, it's worth keeping. It worked out so well with 'War is the Answer,' that was a big album for us. We had no problems working with Kevin, it was painless. He's very good at helping us get through the record so I wouldn't be surprised if you see him again on the fourth album.
You've always been very supportive of our military. Why is that so important for you as a band?
I think that there's a tremendous amount of respect for the armed forces and the people that serve our country and protect our freedom. We went to Iraq, so we got a real snapshot of what it's like over there and I don't think people really fully understand how brutal it is. Just the living conditions are brutal, never mind combat. Once we realized how many military personnel were coming out to our concerts and as we were meeting these guys and they told us on how much they relied on our music out there. It was pretty eye-opening to find out that we were resonating so well with them so we went over there for a tour. We would do little meet and greets to dig a little deeper to talk to the individuals and just thank them for what they do.
You're gearing up for your 'Share the Welt' tour in October and November with All That Remains, Hatebreed, and Rev Theory. What do you want to tell fans about the tour?
That's a great question. When we did the Mayhem Fest last year, we talked about wanting to develop our show into a more visual experience. We spent some time touring with Rammstein in Europe and if anyone has seen their show, they understand that it's really over the top as far as visuals with pyrotechnics and theatrics. I remember watching the band and talking to the guys and saying 'whatever this is, we need it. This is awesome.' We have to make note and do something like this, it was so much fun to watch their show.
So basically, we've spent a ton of cash designing this show. The accountants are already telling us that we spent too much, but we don't care. It's a gamble; we're investing into the show so we can create a buzz and people will leave the concert and tell their friends about it. We're trying to build things into the show that are new and fresh and haven't been done before. We're spending a fortune on it. I believe personally, being a big Kiss fan, that if you have a visual element to your show, then you stand a better chance of getting people to come back two years later. That's what we're shooting for; we're trying to build something spectacular visually. So that's all I can say, expect something big!
Watch Five Finger Death Punch Perform 'Under and Over It' in Albany, N.Y.


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Love of beauty is taste. The creation of beauty is art.
~Ralph Waldo Emerson
Art, be it a candidly captured expression, an unexpected moment in the perfect light, or a well orchestrated portrait, is an awesome realization.
To create, by using my god-given talents and skill, art that moves, touches, or inspires my clients is a very gratifying experience.
I am driven by a deep passion for what I do and the reward of pleasing my clients by candidly capturing their essence further motivates me to constantly strive for excellence.
I work with a hand selected group of highly talented and creative partners in the industries of make-up, fashion, and style in order to provide you with a most personal and professional photography experience.
Simply put; I offer end to end services to creatively and professionally meet all photographic needs for your special occasion.
My approach to all photographic assignments is to listen first! Be it a wedding, concert, bridal, engagement, or portrait session, I am listening to get the overall idea, style, and mood that you have in mind so that I can capture the essence of your idea.
I look forward to hearing from you soon to learn about you and to discover how I can serve your photographic needs.
Glyn A Stanley
Thank you!


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EMC wraps up data deduplication vendor Data Domain; what's next for EMC, NetApp?
EMC won its bidding war against NetApp and acquired data dedupe specialist Data Domain for $2.1 billion, but faces integration challenges. Meanwhile, NetApp ponders its Plan B.
In the end, EMC Corp.'s checkbook was too big for Data Domain Inc. to resist and for NetApp to compete with. So EMC will walk away with data deduplication leader Data Domain for a whopping $2.1 billion.
Now that the six-week bidding war is over, two questions jump out: Did EMC pay too much for Data Domain? And what does NetApp do after coming up short?
EMC's final offer of $33.50 per share for Data Domain was a nice windfall for Data Domain investors, considering the stock was trading at approximately $18 before NetApp made its first bid May 20. Even NetApp's original offer of $25 per share -- $1.5 billion total – raised eyebrows, although it increased that to $30 after EMC got involved.
Roy continued, "At the same time, I believe NetApp did the right thing. Bidding for Data Domain was the right thing to do when it was trading at around $18 a share. NetApp also did the right thing by giving up at $33.50. NetApp lost this war but has other choices. There's CommVault [Systems Inc.], FalconStor [Software Inc.], Quantum [Corp.] and Sepaton [Inc.]."
Is NetApp's Plan B another dedupe vendor?
Industry insiders expect NetApp will look for another vendor to bring it into the data deduplication/backup space. CommVault, FalconStor, Quantum, and startups ExaGrid Systems Inc. and Sepaton are the main independent data deduplication backup vendors.
"NetApp is similar to what EMC was 10 years ago, a company that had made it pretty far but needed to make big software acquisitions," said Greg Schulz, founder and senior analyst at Stillwater, Minn.-based StorageIO Group. "EMC bought [backup software vendor] Legato and other software companies. I believe NetApp needs to do something similar, and go and get CommVault or somebody else in the data management space. NetApp needs to do something that will make people say, 'That's a smart move letting go [of Data Domain], and that's a smart move that you're pursuing.'"
Schulz said Quantum is another strong possibility because it has deduplication patents NetApp can build on, as well as shipping deduplication products. EMC sells Quantum's deduplication software through an OEM deal.
Brian Babineau, an analyst at Milford, Mass.-based Enterprise Strategy Group, said NetApp will probably go after a more established public company rather than a startup. "They need a business to spur growth," he said. "So I think they will look at vendors who have complementary technologies to their existing products that could bring them into new markets. They need someone that has a business – customers, revenue, sales, services, support – and most important – scale."
EMC must sort out data deduplication products
EMC faces a different challenge in the months ahead. It has the company and technology it wanted – the target-based data deduplication market leader to go with the source-based deduplication software it picked up by acquiring Avamar in 2006. Now EMC must determine the best way to bring Data Domain to market: in the same appliance, arrays and gateways that Data Domain sells; as software on top of the EMC Disk Library (EDL) platform that uses Quantum now; or as an addition to other EMC platforms?
"I see EMC keeping Data Domain's existing portfolio, with more engineers dedicated to help build bigger, scalable systems and the Avamar product being the software side to assist with backup," Babineau said. "It's hard to see the future of EDL not being Data Domain right now."
StorageIO Group's Schulz said he expects EMC to start by selling Data Domain's existing products as they are, and then bringing the dedupe technology into other platforms.
"Right off the bat, EMC would be wise to leave the Data Domain product standing as it is, then quickly offer it as a gateway version in front of Clariion, Symmetrix or any other EMC product," he said. "Then they should look to pull that IP into other products."
EMC's other challenge is to keep Data Domain employees happy. It's no secret that Data Domain management preferred a NetApp acquisition, and its employees have seen EMC as the enemy over the years. Data Domain and NetApp are Silicon Valley companies, while EMC's headquarters are in Hopkinton, Mass.
"A 3,000-mile integration process will be interesting to watch, especially when employees don't want to be there," Babineau said.


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Welcome to The Cellar d'Or Wine & Cider Shop!
Where are we?
We are located on the famous downtown Ithaca Commons in Ithaca, NY. You can find us in the middle of the commons on the north side across from Mate Factor and in between Mia Restaurant and Mansour Jewelers. Just look for our GIANT marquee lettering that says "WINE & CIDER SHOP". We are open 7 days a week. For more info on finding us and our hours please see visit our deliveries & parking and contact pages.
Weekly Wine Tastings!
Every friday from 4-7pm we hold fun, educational, and unique free wine tastings. They are themed, but many times are they feature new and interesting wines we carry. Often we have visiting winemakers and industry professionals to pour their wines for you. This is one of the best ways to learn, expand, and sharpen your palate and wine knowledge as we pour many obscure grape varieties from small regions across the world. For more info on our events join our mailing list, like our facebook, or visit our events page.
Bargain Hunting?
Come visit and see our large selection of $15 and under wines as well as our section dedicated to wines for $10. We also offer a special selection of wines that are discounted down to $10 per bottle when you mix any 6! Grab one of our cool, reusable bags, choose any 6 bottles from the many selections on the shelf, and pay $60! It's our now famous build-your-own "6 for $60" deal and it saves you a bunch of $$$! We also have mixed case discounts! Take 10% off of any 6 bottles and 15% any mixed case of 12 bottles or more.
What's in Season?
Rosé! Crisp & mineral whites! Grower Champagnes & pet-nats! Cider! Cider! Cider! We love getting into spring and summer as the porches start rocking and the grills star heating up. We bump up our selection of summer sippers this time of year to make sure you are well-equipped for taking on the backyard party and summer heat!


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I've created a list of things to help students get through exams this spring.
- Forty minutes on, twenty minutes off. Study for forty, take a break for twenty. Repeat. Repeat. Repeat. Repeat. Until you're done studying. This allows your brain and body to take a break.
- Change your study location. Maybe you usually study in your room, try going to a coffee shop or the library for a change of scenery.
- Make sure you EAT. Your brain is working hard and needs fuel.
- Study Strategically. Highlight the important things and then only focus on the highlighted notes.
- Make sure you're not only studying the easy things you know. The likelihood is that the exam will be composed of the more challenging and harder content.
- When it comes to exam time, make sure you're prepared with all the equipment you need such as pencils, pens, rulers, and erasers before test time so that when its time to write the exam you're only focussing on the exam itself.


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Save and Track Your Favourite Properties
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The Barrie Fire Department is always here to help. Whether you have an emergency, or just some fire related concerns. They are just a phone call away.
Do you, or someone you know need help installing a smoke & CO detector? Or perhaps you don't know how to use it, or can't afford one?
Contact Barrie fire direct with your concerns and they will give you a hand. ...


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Lifestyle Financial Planning – Financial Expertise "On-Tap"
This is a fee-based, bespoke service which is aimed at clients who wish to develop an intimate and on-going relationship in which we can help them to identify and achieve their real financial goals and freedom. Our aim is to ensure that these clients achieve and maintain their desired lifestyle without fear of running out of money, and just as importantly, help to allay or eliminate those issues that keep most self-employed business people awake at night.
The process involves three distinct service components, each complementing the other in order to help deliver overall long-term benefits. The three components are broken down as follows;.
- Lifestyle Planning
- Financial Planning
- Independent Financial Advice
Lifestyle Financial Planning
This is the first and most important step, where the focus is on getting to know you, how you got to where you are now, and where you want to get to in the future. What you want to achieve financially in the next 5, 10 or even 30 years. What's important to you? What drives you? What concerns do you have about your future? In other words, what do you want your money to do in the first place to give you the life you want to live and what are your priorities? Please contact us for further details…
Financial Planning
Once we have established what you are trying to achieve, we take you to the next stage using comprehensive financial modelling and strategic planning.
This is where we analyse in detail, your existing financial situation to identify exactly "how you are fixed" and how these 'financial resources' can help contribute to the achievement of your lifestyle plan. We also look at any obstacles you may face and strategies around overcoming those and then invest the necessary time to create your detailed Financial Plan which will include amongst other areas an up to date balance sheet, income & expenditure summary, overview of your tax position and how these are likely to play out over the coming years. All of this will have a considerable impact on the shape of your financial future, but by far the most important thing from your perspective in having your Financial Plan accurately laid out in front of you is it "PUTS YOU IN CONTROL" of your life. Has anyone else offered this to you before?
Independent Financial Advice
Finally, the third and least important component in your Financial Plan. If any financial arrangements or products are required to satisfy the needs of your financial plan, then we apply our market research to identify the products and solutions that are best suited to your objectives and needs. We can also deliver a price pledge or guarantee that any plan arranged by Lifestyle Financial Planners will match or reduce the lowest cost plan on the market.
In Summary –
- Full Lifestyle Planning and Financial Planning analysis and recommendations
- Independent 'Second Opinion' tax advice service when requires is included
- Net Worth Statement, Cash-Flow Projections and Summary Taxation Position
- Financial Needs analysis and goal setting
- Annual reviews and update meetings to ensure ongoing planning is relevant to your ongoing needs and forms part of your Lifestyle Planning.
- Regular contact concerning relevant financial information
- Annual policy, plan and investment summary
- Bi-monthly financial e-magazine with up to the minute information on relevant issues
- Access to your Financial Planning Consultant and support team as required
The Next Step;
We hope you can see how we are really are different and would like to progress to an initial meeting, which is entirely at our expense. Please contact us for further details.


text: I can not believe it is already that time of year. Seriously, it needs to slow down! It feels like yesterday we just celebrated Thanksgiving. But I can't complain because I am happy that I get to see family again for Christmas in a month and go to Wisconsin for New Years /Packers game! I… Continue reading Gobble Gobble Babes