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SOLD>>>>>Beautiful recently remodeled 3 bedroom 2 bath home with a POOL! Newer kitchen countertops, appliances and wood flooring. Freshly painted in and out. Huge lot with a pool. Brand new triple pane windows. Walking distance to Wildcat middle school.
Kitchen remodels are on the comeback
By Jean Patteson
RISMEDIA, July 12, 2010–(MCT)–The explosion of remodeling shows on TV and makeover spreads in magazines has whetted America's appetite for glamorous rooms brimming with the latest furnishings, appliances and color schemes.
Kitchen remodels are among the most popular, according to a report in the just-published August issue of Consumer Reports and online at consumerreports.org. And the economic slowdown means there are outstanding deals on everything from cooktops to countertops. It also means kitchen designers and building contractors are eager for work and willing to negotiate.
But bargain prices and good looks aren't everything, said Celia Kupersmzid Lehrman, Consumer Reports' deputy home editor.
"When remodeling a kitchen, functionality is every bit as important as style. Fortunately there are many products that look good and work well," she said.
The design of your kitchen is every bit as important as what goes into it, said Jim Spence of Spence & Vaughn Fine Kitchen and Bath in Maitland, Fla.
The most functional design is based on the "work triangle" — the relationship between the prep area, the cooking area and the sink, he said. Ideally, the distance between them should never be less than four feet or more than nine feet. Of the three areas, the most-used is the sink.
When planning a remodel, determining your budget is one of the first steps. The National Kitchen & Bath Association calculates the average kitchen remodel costs between 10 percent and 20 percent of the home's value. But obviously, the extent of the makeover determines its cost. In its latest issue, Consumer Reports takes top-performing products and creates three design schemes: a do-it-yourself makeover for $5,000; a plan that costs $15,000 (the average spent on a kitchen remodel); and a full-scale renovation for $50,000.
Determining your priorities is another key step, said Phil Johnson, a partner at Spence & Vaughn and a certified kitchen designer.
"Do you love to cook? If so, now might be the time to consider professional-style appliances," he said. "Do you have a large family? Consider how best to accommodate them in your new space. Think about the things you love in your old kitchen — and the things you dislike."
In addition, Johnson recommends the following steps for a successful remodel:
—Do your homework. Watch TV remodeling programs, clip appealing pictures and articles from magazines, attend remodeling seminars, visit home shows and parades of homes. Consult with a kitchen designer who is a member of the NKBA, who has the training and experience to avoid many of the things that can go wrong with a remodeling project.
—Visit a showroom. Examine the options in cabinets, countertops, appliances, flooring, plumbing and lighting. Decide what you want — and can afford.
—Schedule a home visit. The designer/installer need to measure the kitchen and adjacent rooms, and make a note of existing walls, doors and windows, electrical supplies, ceiling height, attic access, type of wall construction, plumbing details, etc.
—Finalize the project. The design is refined, construction plans are completed, appliances and supplies are ordered — and the initial deposit is paid.
—Survive the dust, noise and workers. With proper supervision, the disruption can be kept to a minimum. Make sure materials are ordered and on the way before beginning the tear-out. Clear a space in the garage for workers' tools and supplies and items removed from the old kitchen. And communicate regularly with the designer/installer.
The August issue of Consumer Reports identifies these four rules for a successful kitchen remodel:
Don't rush. There are many kitchen products that combine value, performance and good looks. Take time to meet with professionals, browse the Internet and visit showrooms and home centers. Haste can be costly. Changing your mind after the project is started typically adds about $1,500 to the cost of a kitchen project.
Size matters. In addition to being expensive, oversized kitchens can be exhausting to work in and keep tidy. A more compact kitchen often functions better. The National Kitchen & Bath Association website, nkba.org, provides guidelines for optimal space between appliances, cabinets and islands.
Beware of budget busters. Leave a 10 percent to 15 percent cushion for surprises, such as unexpected structural repairs. Avoid settling for a cheap option, thinking someday you will replace it with something you really want. Chances are that will never happen.
Get it in writing. When using a professional for a remodel, the written contract should list each phase of the project; every product, including the model number; and copies of each contractor's license, and workers compensation and liability insurance to confirm they are current. Call references and, if possible, visit them.
reprinted with permission (c) 2010, The Orlando Sentinel (Fla.).
Distributed by McClatchy-Tribune Information Services.
Congress passed the $8,000 tax credit extension!
Congress passed an extension of the closing deadline for the Homebuyer Tax Credit, the Homebuyer Assistance and Improvement Act (H.R. 5623). The extension applies only to transactions that have signed contracts in place as of April 30, 2010, that have not yet closed. The legislation is designed to create a seamless extension; the new closing deadline for eligible transactions is now September 30, 2010. There will be no gap between June 30 and the date the President signs the bill into law. Extending the tax credit closing deadline will help provide additional stability to real estate markets across the nation.
Great news for those that were not able to make the cut off of June 30th due to the backlog this created.
7 Things all borrowers should know about FHA loans
"We have seen home buyer interest in FHA loans go from practically zero three years ago to upwards of 87 percent today," said Christopher Gardner, founder and president of FHA Pros, LLC. "Despite this rapid rise in popularity, many buyers still do not fully understand the benefits of these loans, and we believe it's time to change that."
1. FHA Loans Are Not Only For Lower-Income Borrowers. FHA loans are available to everyone. In fact, even Bill Gates can get one. There is no maximum income restriction associated with FHA loans. Borrowers do need to substantiate income and assets by submitting proper documentation. This requirement ensures that borrowers are well-vetted and truly able to afford their future homes.
2. FHA Loans Are Not Only For First-Time Buyers. Many people believe FHA loans are available only to first-time homebuyers. This is not the case. Whether borrowers are making their first home purchase or their fifth, they can look to FHA loans as a home financing option.
3. FHA Loans Are Not Just Small Loans; In Fact, Loan Amounts Can Be As High As Almost $800,000. The government recently raised the maximum loan amount from its original cap of $362,790 to $793,750 as a way to help stabilize the housing market. The amount a buyer can borrow varies from county to county. Later this summer, condo buyers interested in FHA loans can visit www.checkfhaapproval.com to instantly identify FHA-approved condo associations and review maximum loan amounts for a given location.
4. FHA Loans Are Not Affiliated With The Section 8 Housing Program. While both programs are administered by the U.S. Department of Housing and Urban Development (HUD), FHA loans have nothing to do with low-income subsidized housing. FHA loans are simply mortgages insured by FHA. This insurance provided by the federal government allows lenders to lend more freely by assuring them that they will be repaid in the event of default. Most traditional lenders, including Wells Fargo & Co., JP Morgan Chase and Citigroup are able to provide FHA loans to their customers.
5. FHA Loans Are Often More Affordable Than Conventional Loans. While FHA loans typically offer the same interest rates as other loans, borrowers benefit from a much lower down payment of as low as 3.5 percent.
6. FHA-Approved Condo Developments Are More Desirable To Buyers. With 87 percent of home buyers indicating that they plan to use FHA loans, condo associations that are not FHA approved are missing out on a significant pool of prospective buyers. Under rules in place since February 2010, an entire condominium development must now apply to HUD and be granted FHA approval before a buyer can purchase a unit in an association with an FHA loan or before an existing unit owner can refinance into an FHA loan.
Due to the general unwillingness of today's lenders to extend credit with respect to conventional loans, many borrowers find that FHA is their best bet. Lenders don't mind lending when the federal government (FHA) assures them of repayment.
Homeowners associations (HOAs) should note that although FHA-insured mortgages might be easier to obtain, they are not "risky" loans, due in large part to the strict "full documentation" requirements placed on borrowers.
Individual buyers or sellers can initiate the approval process or current owners can encourage their HOA to apply. More information about the FHA- approval process is available at www.getfhaapproval.com.
7. FHA Loans Are Assumable. In addition to lower down-payment and credit-qualifying requirements as compared to conventional loans, FHA loans are assumable. This means that when a seller with an FHA loan sells his or her property, the loan and its financing terms (interest rate) can be transferred to the new buyer. This unique feature will certainly make a property more valuable in times of rising interest rates.
(reprinted with permission)
Rent or buy? What works best for you?
First time home buyers have a lot to consider this summer when making the decision to rent or buy a home: interest rates are at all-time lows and prices are at or near their lowest in years.
Still, deciding whether to buy a home or rent an apartment can be a complicated decision. How do you know what's right for you? Potential buyers should ask themselves several key questions before making this important decision.
1. What will monthly costs be, and can I afford the payments?
Keeping mortgage payments under 30 percent of your monthly income is a good rule of thumb. If you can't keep mortgage payments below that, you may be better off renting for awhile.
2. What other debt do I have?
Total rent or mortgage payments plus credit obligations should not exceed 35 to 40 percent of monthly income. Talk to your lender and they will help you get ready to buy a home.
3. What is my credit score? Can I qualify for a good interest rate?
A high credit score indicates strong creditworthiness, and that qualifies you for better interest rates on a mortgage. Maxing out on your credit lines and paying bills late will lower your credit score. The impact of a credit score on interest rates can be significant. For instance, a borrower with a score of 760 could pay nearly two percentage points less in interest on a mortgage than someone with a score of 620. Lower interest rates also mean lower monthly payments. If your credit score is low, you may want to delay buying a home until you can improve your score. Work with your lender, they can tell you what to do to improve your credit score. Don't have a lender? Ask your Realtor, they can refer you one or more lenders that they work with.
4. How much will taxes, monthly maintenance, or other fees cost?
Owning a home means you'll have to pay real estate taxes and other costs like insurance and maintenance. On the other hand, owning a home brings big tax savings at the end of the year.
5. How many years will I stay here? Generally, the longer you plan to live someplace, the more it makes sense to buy. You'll build equity in your home and have the satisfaction of knowing it is yours and you can paint or redecorate any way you want. There have also been studies that show children do better in school if the parents are homeowners.
If you need any help with this decision, your Realtor or Lender can provide you with a Rent vs Buy analysis form.
MPower Loans in Placer County, CA on HOLD
If you remember I was writing about a wonderful energy efficient loan program where you could purchase solar, heating and air conditioning units and other energy efficient items for your home and pay for them in your property tax bill. This is the MPower Loans in Placer County, CA. It's a great program as the energy efficient loan is amortized out the life of the item you are purchasing. Say a heating and air conditioning unit will be amortized out over 20 years. So you have 20 years to pay if off and you are billed with your property taxes. Great idea right?
Well, there is a problem. Since the property taxes take precedence over any voluntary loans, aka your existing lender, you have to get your existing lender to approve the MPower loan to be in first position, instead of your existing lender. So, what do you think the chances of that happening are? Slim and none. The banks are not allowing MPower loans to be first so everything is on hold until there is some kind of solution to this issue.
It is a shame because it is a great program. MPower has written letters to several Congressmen and the Vice President of the United States to see if they can get some kind of an approval from these existing lenders that are insured with Fannie Mae. I will keep you posted as to any new developments.
What's happening in Real Estate in the Sacramento and Placer County, CA area
It is very active in Placer and Sacramento county for any homes priced under $300,000. There are multiple bids as investors and first time home buyers are trying to purchase the same properties. The listing inventory is down to 1.5 month supply. That means it is a Sellers market. The listing inventory needs to be at 6 months for it to be an equal market between Sellers and Buyers. The price of homes has increased 4% over the last month so home prices are starting to tic up.
If you are a buyer and thinking of purchasing a home right now and it is priced under $300,000 you need to make an agressive offer. Especially if you are asking the Seller to pay up to 3 percent for your closing costs. You have to have an offer that is going to compete with an all cash offer that can close is 10 days or sometimes even less.
On the positive side, interest rates are GREAT! You can get a loan under 5% right now depending on your credit score of course. Of course you need to prove your income, just like it used to be before the No income, no asset loans. But hey, right now it is like the perfect storm. Reasonable prices on the homes and great interest rates! What more could you want?
Energy Efficient loan with NO monthly payments!
Yes, that's right, no monthly payments. You can get an energy efficient loan for Solar, heating and air conditioning systems, attic and wall insulation, windows and several other energy efficient improvements.
The criteria for this loan is pretty straight forward. You must be the property owner, current on your mortgage, current on your property taxes and not had a Bankruptcy within 5 years. There is no credit check required. No monthly payments as the payments are due when you pay your property taxes. You can get 10, 15, 20, and even 30 year loan payments depending on the life of the improvement. This loan does not need to be paid off if you sell your property as it goes with the property.
Locally only Placer County is doing this type of loan, but the other counties are looking into possibly starting it too. The web site for more information is www.Mpowerplacer.org
This is a great program if you plan on staying in your current home and want to remodel or if you are thinking of selling an older property but don't have the cash to upgrade the property with energy efficient improvements.


text: Home > Bookshop > Australian Fiction > Australian Historical Fiction « Back The Trader's Dream Jacobs, Anna Our Price Retail Price AUD$19.99 Your Price AUD$16.98 Minimum Order: 1 In Stock (1) Dispatch: 1 day Trader's Dream/Jacobs, Anna/Paper/1444711326/S024-A AUD$16.98 QTY Gift Wrapping Add Gift Wrapping (click checkbox) If you would like a gift wrapping message, please add it in the Notes section on the checkout page, thank you. AUD$2.95 Publisher: Hodder ISBN-13: 9781444711325 Series: Traders, Book 3 Binding: Paperback Year Published: 2013 The Trader's Dream is the third novel in Anna Jacobs' wonderfully atmospheric new saga series 'The Traders', set in Europe, the Orient and Australia's Swan River Colony. Bram Deagan dreams of bringing his family from Ireland to join him in Australia, where he now runs a successful trading business. But when a typhus epidemic strikes Ireland, it leaves the Deagan family decimated. And, with other family members scattered round the world, it is left to Maura Deagan to look after her orphaned nieces and nephew. Forced to abandon her own ambitions, and unsure whether she is ready to become a mother-figure to three young children, Maura recognises that their only hope is to join Bram in far away Australia. So they set sail on the SS Delta, which will carry them there, via the newly opened Suez Canal. It is only when a storm throws her and fellow passenger Hugh Beaufort together that Maura realises this journey may also give her a chance to pursue a dream she set aside long ago - to have a family of her own. That is, until someone from Hugh's past threatens to jeopardise everything... ID: 238712 Code: HH004035

subset: commoncrawl


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BGG Promotional Card Links:
BGG Promotional Card Links:
Pingback: Promotion Cards Update - Star Trek Deck Building Game
I own the TNG version and it is a very cool game, I like that there is co-op version, its hard to find people to play this game so at the very lest I can solo it in co-op, hopefully I can get a group together to try the Klingon game one of these days.
Will there being sets for the other shows?
If not have you thought about teaming up with the CCG community to create ones?


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Madison College is committed to establishing productive business relationships with vendors and contractors that provide quality products and services at competitive prices.
Madison College departments and staff are encouraged to partner with women-owned, minority-owned, veteran-owned, and small businesses.
Budget Information
Internal Processes and Guidelines
- Request for Bid or Proposal Process
- Guidelines for Obtaining Quotes
- Bid/Proposal/Sole Source Processing Schedule for Purchases Requiring Board Approval (PDF 66KB)
Vendor Policies and Procedures
- Procurement and Purchasing Policy
- Procurement and Purchasing Procedures
- Purchasing Matrix of Processes and Requirements
The Purchasing Matrix Includes type of purchase, estimated value, method to request purchase, initiating and approving authority, competitive process required, sole source determination, documentation, invoice submission, and purchase order process.
Madison College adheres to federal, state, and WTCS purchasing rules and regulations.
Requirements include:
- A minimum of two written quotes are required for printing purchases $250-$24,999. Three written quotes are required for printing purchases $25,000-$49,999.
- A minimum of two written quotes are required for purchases $5,000-$24,999. Three written quotes are required for all purchases $25,000-$49,000.
- A Request for Bid (RFB) or Request for Proposal (RFP) is required for purchases over $50,000 ($25,000 for public construction).
- A sole source is an item or service that is only available from a single source. District Board approval is required for sole source procurements of $50,000 or more.
Madison College welcomes all qualified businesses into our bidding process. To learn about Madison College's Requests for Bids (RFBs) and Requests for Proposals (RFPs), please use Onvia DemandStar.


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+7 911 929 91 16
Take advantage of this Skip-the-Line admission to Grand Palace of Peterhof to get ahead of crazy crowds of large-bus tours. Enjoy exquisite interiors and roam unique gardens filled with flowers and fountains. Learn about Peter the Great and his maritime passions, about opulent balls and grand receptions.
Explore one of the most beautiful Imperial Palaces - the Grand Palace of Peterhof. Badly damaged during the Second World War, thanks to the efforts of dedicated staff, this palace was brought back to life and restored to its former beauty from photographs and maps in the 1950s. A complex combination of Baroque and NeoClassical styles, this palace is a true gem of Russian architecture, and you will surely fall in love with it the way we have. Hundreds of fountains and golden statues surround Peter's Palace - Russia's answer to Versailles. Unfortunately in winter, the fountains are turned off and the garden statues are covered by wooden boxes.
A relaxing walk in Peterhof Lower Gardens with a scenic view of hundreds of fountains. It's a real engineering masterpiece with no pumps, it a unique location, selected specifically to make this miracle happen. All the force and the power of the fountains are provided by the force of gravity. A great photo opportunity for keen photographers. Take some time to see the surrounding gardens and Peter's villa Monplaisir. Unfortunately in winter, the fountains are turned off and the garden statues are covered by wooden boxes.
Detailed Program
Enjoy an spectacular guided tour of Peterhof Grand palace with Skip-the-Line Admission to minimize crowds and waiting time.
While on tour you will lean the history of Peterhof, its secrets and hidden gems.
When inside Grand palace, you will explore the stunning golden interiors of the Baroque loved by Empress Elizabeth, sophisticated Neo-Classical beauty preferred by Catherine the Great and absolutely unique private interiors of the XVIII centuries.
You will be able to see rare photographs of the palace right after WWII, learn about tremendous efforts of Soviet restorers to bring this beauty back to life.
After the palace tour you will explore one of the most amazing parks in the world, will learn about it's unique fountain system and admire beatiful statues and flowerbeds surrounding the residence.
If you are hungry, you are welcome to enjoy a quick lunch at one of the park cafes, or just keep exploring with your guide.
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Technology in Finance is a Game Changer
Keynote speaker Chris Skinner talks digital delivery
July 16, 2018
SINGAPORE — Keynote speaker Chris Skinner, fintech expert and best-selling author, spoke about the changes in fintech and how the future of business is being reinvented during Monday's general session at the 2018 World Credit Union Conference.
"We have finally reached the point where technology is the game changer in financial services," said Skinner. For credit unions, helping people with technology equates to building the business around customer engagement, but digitally delivered. "Today we are about product, platform and experience and we have to build digital institutions with digital change," said Skinner. "Teenagers are reinventing money by writing code. Knowing how to leverage that is the secret sauce."
He pointed out that the idea of control has shifted and "no one controls anything anymore-except the customer". Skinner explained that data is where the battlefield is for the customer in the next decade. The real battle of the future is in the back office where all the data sits and credit unions should be questioning how fit their back office is to handle this.
In the State of the Movement, World Council President and CEO Brian Branch provided a historical timeline of the global credit union and financial cooperative movement from the birth and introduction of cooperative banking in Germany to the current climate of technological business model disruption.
"Today, we are a movement of 73,000 cooperative financial institutions serving 238 million members," said Branch, talking about global challenges including food security, employment, climate change, the future of the internet, as well as financial inclusion. He highlighted how global challenges become community challenges and communities turn to their credit unions to respond. Today's challenge is about interconnectivity and linkage and responding to these global challenges.
"We were the disruptors more than 100 years ago. Now we have to learn from today's disruptors to be able to respond to today's challenges. Working in your credit unions, doing what you do, serving your members, you are part of history and for that, we thank you," said Branch.
During World Council's annual general meeting, three members were presented with the 2018 Membership Growth Awards which are based on the World Council of Credit Unions latest Statistical Report data. The winners are:
- FULM Savings House – FYR Macedonia
- Sicredi – Brazil
- Association of Rural Savings and Credit Institutions Inc. (AIRAC) – Dominican Republic
Monday finished with a variety of well-attended breakout sessions and lunch-and-learns including blockchain, results-driven data analytics, regulation and innovation, inclusive leadership, and recruitment and retention strategies.
The 2018 World Credit Union Conference concludes 18 July with a closing reception at the Suntec Convention Center.
Follow conference activities and daily event photos on Facebook and Twitter with #WCUC2018.
World Council of Credit Unions is the global trade association and development platform for credit unions. World Council promotes the sustainable development of credit unions and other financial cooperatives around the world to empower people through access to high quality and affordable financial services. World Council advocates on behalf of the global credit union system before international organizations and works with national governments to improve legislation and regulation. Its technical assistance programs introduce new tools and technologies to strengthen credit unions' financial performance and increase their outreach.
World Council has implemented 300+ technical assistance programs in 89 countries. Worldwide, 85,400 credit unions in 118 countries serve 274 million people. Learn more about World Council's impact around the world at www.woccu.org.


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Rossi & Rossi was founded in London in 1985 by Anna Maria Rossi who has more than 40 years experience in the field. In 1988 Anna Maria was joined by her son Fabio and together they have established a world-wide reputation as leading dealers in antique works in the field of Indian, Himalayan and South East Asian Art.
Rossi & Rossi's clients include distinguished private collectors as well as many major museums worldwide among them the Metropolitan Museum of Art, New York, the Ashmolean Museum in Oxford, the Tokyo National Museum, the Louvre Abu Dhabi and the Gallery of New South Wales in Sydney.
In 2010, Rossi & Rossi was the first dealer to host a commercial exhibition of Himalayan art in Beijing in collaboration with a noted Chinese expert. In addition, in order to expand its reach in the emerging Asian market, Rossi & Rossi opened a gallery in Hong Kong in early 2013.
Rossi & Rossi is a member of SLAD (Society of London Art Dealers) and in 1988 was a founder member of Asian Art in London (AAL), one of the leading events in the city's art calendar, with Fabio Rossi serving as Director for several years.
Rossi & Rossi also participates at international art fairs such as the TEFAF Maastricht, Fine Art Asia, Hong Kong, and Art Basel Hong Kong.
The majority of Rossi & Rossi's exhibitions are accompanied by fully illustrated catalogues, which are written by leading scholars and art experts. In addition talks with artists, scholars and collectors are regularly held at the gallery.
Born in Turin, Italy, in 1932, Anna Maria Rossi began cultivating an interest in classical studies at an early age. During the Second World War, when her family took refuge in the mountains to escape the heavy bombings of the city, she studied Latin and Italian under university professor Francesco Lo Bue. (His son, Erberto, later became a well-known expert in Tibetan art, language and culture, and, for a brief period, a teacher at Turin University to her son, Fabio.)
Following the war, she completed her studies in Turin at a liceo classic, and went on to attend the local university, where she earned a degree in classical studies, concentrating in Latin and Greek; she graduated cum laude.
For a number of years, Anna Maria then taught Latin, history and Italian at a nearby high school. Starting in 1971, she began travelling abroad during the long summer holidays that her job afforded: initially to the Middle East, and then to Afghanistan, Pakistan, India and Nepal.
While in Afghanistan (ancient Bactria) in 1972, she encountered Gandharan art and immediately recognized the strong influence on it of Hellenistic art, which she had studied extensively at university. This revelation sparked her lifelong personal and professional interest in Asian art: initially, in the extraordinary works from Gandhara and India; later, in the remarkable objects from Nepal; and finally, in the sculptures, paintings and murals of Tibet, which she first visited in 1986, and where has travelled extensively since, fostering her discerning eye and expertise in the field.
In 1986, Anna Maria moved from Italy to London; and soon thereafter, in partnership with her son, Fabio, she opened Rossi & Rossi. Over the years, the gallery has hosted innumerable groundbreaking exhibitions, often accompanied by important scholarly catalogues.
In 2013, Anna Maria moved to Hong Kong, where Fabio had opened another branch of the gallery, which now has a distinguished reputation for handling only the finest works of Asian art.
Fabio Rossi was born in 1963 in Turin, Italy. At the age of eleven, he accompanied his mother, Anna Maria, on a trip to Afghanistan, Pakistan and India. This early exposure to Asia – its culture, arts and people – had a lasting impact on him, inspiring his future professional endeavors.
Fabio moved to London in 1983 to attend the School of Oriental and African Studies, from which he obtained both a bachelor's and a master's degree in art and archaeology. After a brief apprenticeship with the legendary dealership of Spink & Son, he joined forces with his mother, who had moved to London in 1986, to establish the gallery known today as Rossi & Rossi.
Beginning in the late 1980s, Fabio started travelling extensively win the United States, reaching out to museums and collectors throughout the country, and developing relationships that endure to this day. His first sale to a major public institution was in 1988, when the Metropolitan Museum of Art in New York acquired a fourteen-century Tibetan painting from the gallery. At the same time, Fabio continued to explore Asia, with a particular interest in Tibet, which has now visited on more than twenty occasions.
In 1996, Fabio organized an exhibition of Himalayan art in Taipei, in collaboration with a local gallery. This was the first of several projects that took him to Taiwan, Hong Kong and mainland China, where he began placing works with new collectors as well as prominent public Asian institutions, such as the National Palace Museum in Taipei and the China National Silk Museum in Hangzhou. Around this time, in 1998, he was amongst the founders of Asian Art in London, an event that unites museums, world-class dealers and auction houses.
Since 2005, Fabio has also been instrumental in nurturing the careers of artists of the greater Asia – Pacific region – from Tibet to Cambodia, Hong Kong to Pakistan. He moved to Hong Kong in 2011, two years later, he opened a gallery where he now exhibits the work of artists who would otherwise lack local exposure in addition to the classical Himalayan art for which he and his mother have become world renowned.
Over the years, Rossi & Rossi's innovative exhibitions and top-notch scholarly publications in both the classical and contemporary realms have solidified the gallery's status as leaders in the wide-ranging field of Asian art.


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Who Can Enter:
The This Old House "Hardwood Floors for Less" Sweepstakes is open to legal residents of the 48 contiguous United States and the District of Columbia (U.S.), age 18 or older at the time of entry. Void outside the U.S., in Canada and Puerto Rico, and wherever else prohibited by law.
How To Enter:
Visit www.thisoldhousesweeps.com/lumber and follow all entry instructions to complete and submit the online entry form. Online entries must be received between 12:00:01 AM Eastern Time ("ET") on November 1, 2011 and 11:59:59 PM ET on December 13, 2011 (the "Sweepstakes Entry Period"). One (1) online entry per email address per day.
What You Can Win:
There is One (1) Grand Prize awarded of a trip for two (2) to attend a taping of an episode of the "This Old House" television show ("TV Show") and a Lumber Liquidators Gift Certificate for $2,500. Total ARV of the Grand Prize: $4,800.00.


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Facebook VP arrested over refusal to share information related to drug trafficking
Dzodan failed to comply with a judicial order in a secret investigation to provide information stored on Facebook's servers, the Federal Police said in a statement. The information relates to messages sent over Facebook's WhatsApp messaging service by members of a drug gang, according to Globo.
Facebook refused to comment on the arrest of the VP.
In December, a judge blocked WhatsApp in Brazil for 48 hours after Facebook refused to give user information to police. Over 100 million people were affected by the blackout of service according to Facebook. WhatsApp is the county's most popular messaging service.
READ MORE: WhatsApp-ening? Brazil briefly censors Facebook-owned app for 48 hours
Facebook Chief Executive Mark Zuckerberg described the blackout as a "sad day for Brazil," expressing disappointment at the country that he said had previously "been an ally in creating an open internet."
A daily fine of one million Brazilian real (about $25,000) was also imposed on Facebook for a period of 30 days.
Today's arrest comes as a judge in New York ruled that the US government did not have the right to force Apple to unlock an iPhone involved in a Brooklyn drug case. Apple is also refusing an order to assist the FBI in accessing information stored on a phone belonging to the gunman involved in the San Bernardino shootings.
READ MORE: US govt can't force Apple to unlock iPhone in drug case – NY judge


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Ingredients in Kirkland Shakes
Sold at large department stores and supermarkets, Kirkland Signature ready-to-drink shakes are designed to be used as part of a weight-loss exercise and nutrition program. By drinking the Kirkland weight-loss shakes one to two times per day to replace meals, you consume a beverage that supplies essential nutrients. The overall nutrition in Kirkland shakes depends on the specific ingredients used to make the different flavors.
Ingredient List
Kirkland shakes are available in a variety of flavors, including milk chocolate and vanilla, that may change the overall ingredients. However, every Kirkland shake starts with the same base ingredients, including fat-free milk, water and sugar. Artificial sweeteners are used to prevent an excessive amount of carbohydrates and sugars. Various vitamin and mineral ingredients are also added, along with ingredients used for flavoring and preservatives such as cellulose gel, soy lecithin, hydrogenated soybean oil and citric acid.
Ingredients used to create the Kirkland weight-loss shakes function to provide a nutritional meal replacement while reducing the amount of calories consumed. Each shake contains a balance of carbohydrates, fat and protein along with essential vitamins and minerals. Kirkland shakes are 99 percent fat-free with 75 percent of calories coming from carbohydrates and 17 percent from protein.
One 11-ounce serving of a Kirkland shake provides 230 calories with 20 coming from fat. The Kirkland shakes are considered a source of protein with 10 g per serving that provides 20 percent of the daily recommended intake. Specific macronutrient content includes 2 g of total fat with 0.5 g of saturated fat and no cholesterol, and 44 g of total carbohydrates with 4 g of dietary fiber and 38 g of sugars. The fiber in the shake decreases hunger by making you feel fuller longer
The additional ingredients used in Kirkland shakes provide a variety of vitamins and minerals. Each serving supplies 100 percent of the daily recommended intake for vitamin C and vitamin E. Sodium content per serving is 360 mg while potassium content is 670 mg. Other nutrients include calcium, magnesium, folic acid, niacin and thiamin.
- Geo-grafika/iStock/Getty Images


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Espíritu Del Viento Tequila Blanco
Image courtesy of referenced tequila brand
Espíritu Del Viento Tequila Blanco (The Promise) is a white premium tequila that is packed to the brim with earthy and fruity flavours.
With traces of agave, peach, citruses, banana, green apple and more, The Promise does more than hint at a bold, smooth taste – it delivers.
- Distillery: Compañia Tequilera Hacienda La Capilla, S.A. de C.V.
- Region: Highlands - Los Altos
- Distillation Steps: Double
- Alc. Vol: 40%
- Website: titaniumtequila.com


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Running a small, independent airline can be expensive. There are so many unexpected costs to deal with, including what you and your employees are actually going to wear.
Pilot and air hostess uniforms can be expensive, but they are a necessary expense that all airlines need to pay out. If you're looking to save money on pilot uniforms, buying directly online could be your best option.
Why buy direct?
When you buy direct from FlightStore, you'll not only save money, but you'll also be buying with complete confidence. You need to know you're buying your uniforms from a trusted, reliable seller. Buying direct offers the following benefits:
- Fast delivery
- Quality you can trust
- Discounted prices
FlightStore has set the standard for efficient, modern online ordering. The company started in the late 1990's and has one of the largest collections of pilot flight equipment within Europe. It's dispatch times are pretty impressive, shipping all orders received before 2pm the same day. There's a wide range of delivery options to choose from, guaranteeing you receive your uniforms exactly when you need them.
Prices are competitive and the quality of the clothing is second to none. Unlike many other businesses, airlines are required to provide uniforms for their pilots. So it's an unavoidable cost, making it important to find competitive options.
Why good quality uniforms matter
So why does quality matter when you're buying pilot and air hostess uniforms? Well, like with several other industries, airline staff are expected to look impeccable. The uniform goes a long way to achieving this. It gives passengers confidence in the staff, presents a professional image and also makes your employees feel important.
If you opt for cheap, poor quality clothing, not only is this going to give off an unprofessional image, but it's also not going to last very long either. This means you'll end up spending more money in the long-term, having to replace the uniforms regularly.
An interesting study carried out on nurses, showed just how much a good quality uniform matters. It found nurses who wore air hostess uniforms experienced an increase in motivation and they slept better at night. So, quality airline uniforms could play a more important role in the success of your company than you initially realise.
Overall, pilot uniforms are an important investment and you don't have to spend a fortune if you buy direct from companies like FlightStore. The company also offers free UK delivery on orders over £90.


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Specialize or diversify? Career advice for a programmer
A PHP/MrSQL developer and Linux admin asks our expert if focusing on other languages like Java will help his career.
I am a PHP/MySQL developer and Linux administrator. While most software people are in either Java or Dotnet, I am novice in both. I love PHP and Linux and I do not want to shift from them. How will staying exclusively in PHP/MySQL and Linux affect my future?
This question is as much about your programming career as it is about technology. You know PHP/MySQL and Linux, you love them and you don't want to shift from them. But, things move so fast in the computer world that you can't afford to get comfortable. By all means, get good at what you are doing now, but watch the trends and develop your skills further. Can you develop your Java and .NET skills to the point where you can bridge them with your LAMP skills, and can you see how they fit into the future of SOA (service-oriented architecture)?
One thing to notice is the scale of projects that PHP/MySQL and Java/.NET can implement. Do you prefer larger or smaller projects? Do you see trends in either that relate to scale?
Technology is always changing and surprising us. Ten years ago the Java dream was applets that were supposed to revolutionize the Web. As it turned out they were too heavy for the communications of the time, and Java's strength was found to lie on the server. Java was supposed to be a write once, run anywhere programming language, but this didn't work out as planned, either. The Java Virtual Machine was an early example of what is now a very large trend for computing: virtualization.
Today, Java is large and mature, and it is not going away. But it is unlikely that you will stay in any one corner of the programming world forever, so keep scanning the horizon.
You are on the right track; it's only my opinion, but it seems to me that more advances are being made in joining separate technologies (such as PHP and MySQL) than in further developing large systems like Java. Good luck.
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Great SEO company. We hired My Media Pal a few years ago and ever since our business has grown consistently. I am all about results and these guys have delivered every time. Recently upgraded the SEO and re-done our website. We were complemented on our old site regularly by our clients, and I'm sure we'll get complemented on the new one as well in the future because it looks great. Arvin and James really understand the new challenges as related to Google analytics, web ranking, and Search Engine Optimization. I would recommend them to any small and medium business as well as larger companies.
There is no doubt that Arvin is one of the best experts in SEO in NY area. When my business partners asked me to recommend someone in NYC, Arvin is the person who comes to my mind. His versatility in online marketing is beyond this world. If you want your job to be executed on a top quality level, Arvin is your guy to go to.
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I could feel myself nearing the edge. My patience was beginning to wear thin. I was starting to pick fights with my hubby. Anger and resentment began to surface like little bubbles. Depression loomed ahead—I could see it and physically feel it taking over.
I finally realized that what I really needed was some "me" time. Just a little space and time to myself—to breathe, to think, to just be.
I used to think that taking time for myself was selfish. I still feel a pang of guilt every time I leave for a couple of hours. I'm afraid of judgement—like moms are just supposed to continually give of themselves without rest.
Now I know that me time is essential. If I'm not taking care of myself, it makes it much more difficult to take care of my family. It's not selfish if it's making me a better mother, wife, and friend. It's the "put the oxygen mask on yourself first, before you try to save others" concept.
I try to take a couple of hours per week for myself. This hasn't happened in quite a few weeks and I hadn't realized it. I've had appointments here and there, but not any real down time when the only person I had to take care of was myself.
Today, I met my friend at the gym and we walked on the treadmill and talked. After that, we both had a quick 10 minute massage. We followed it up with lunch. It was perfect. I felt so much better.
It was the first time I've been to the gym since maybe February. Oh my goodness. That's far too long. I was reminded of how much I enjoy going and how much I need it.
I'm working on making a peaceful place in the back yard where I can sit this summer. I think it will be great during nap times. It is good for the soul to be outside!
So anyways, I am proud of myself for getting to the gym—but I'm trying to focus on the fact that exercise should be about loving myself enough to take care of myself and not some punishment because I am not good enough the way that I am.
My goal is to take care of myself, take time for myself, and get healthy because I love myself. I've been asking myself the question, "What would I do in this situation if it were about loving myself and not just an old, bad habit?" It will take time to change my thought process—but I'm working on it!


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What are you taking today? The two little ones to nursery? Tomorrow the big shop and at the weekend all the camping equipment for a few days at the lake. This much cargo space sounds like an E-Cargo bike - but the Multicharger is a cargo-optimised E-Bike in an off-road style and, as a GX model, with all-terrain off-road equipment.
Its carefully designed cargo equipment options make it the ideal touring, family or transport E-Bike. And yet it is just as long as the Charger. This not only saves space, but also makes the Multicharger safe and agile to handle - whether you ride a lot, carry a lot of cargo or both.
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Manhã De Carnaval is the title of the popular song by Brazilian composer Luiz Bonfá and lyricist Antônio Maria.
Manhã De Carnaval appeared as a principal theme in the 1959 Portuguese-language film Orfeu Negro (Black Orpheus).
Manhã De Carnaval became one of the first compositions identified with Bossa Nova to gain popularity outside Brazil. The title was particularly popular in the United States where the song is considered to be one of the most important Brazilian Jazz/Bossa songs that helped establish the Bossa Nova movement in the late 1950s.
Here, it has been arranged for Mandolin Orchestra. This is the part for Mandolin no.1.


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CarboTech XP8 AP Sprint kit
Carbotech XP8™ is the first in the XP™ racing compounds. The XP8™ has better initial bite at race temperatures, higher coefficient of friction, excellent modulation and release characteristics compared to the AX6™. The XP8™ offers good fade resistance, rotor friendliness with 100% non-corrosive dust. Excellent as a front brake pad for that weigh less than 2,400lbs. Perfect for the novice track day (HPDE) for use with any tire, and can still be driven safely to and from the track.
Although possible, Carbotech XP8™ is NOT recommended as a daily driven street pad due to elevated levels of dust and noise.
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A Response to DSS Governance
Every couple of years or so, you get one of those rare students in a class - one who actually teaches you something about the topic. Bruce Fowler was one of those students in a Data Warehousing course that I taught earlier this year. He's a data warehouse manager for a resource management company, and so has an interest in DW management and governance issues.
He posted a response to the DSS Governance post I put up recently, but due to the new comments system that Peter's been playing around with, it didn't come through. It was substantive enough, and included some diagrams, that I thought it reasonable to post (with Bruce's permission!) his comments as a separate entry. All images in (and linked to by) this entry are Copyright © 2007 Bruce Fowler
The comparison of IT, railroads and power as "infrastructure technologies" - sharing characteristics of competitive advantage, ubiquity and finally commoditisation (followed by a loss of strategic benefit and value) is a fairly long bow. It is important to remember that the catalyst for the demise of rail was not its cost or availability (at least not directly), it was the advent of more cost effective and time efficient technological alternatives (combustion engines, aeroplanes). I am not sure I would support the contention that the commoditisation of a technology has any specific correlation to the technology's loss of strategic initiative or competitive advantage.
Railway lines continue to provide cost effective and logistically efficient means of transporting large volumes of material across the country (provided the infrastructure exists and the alternative means remain less cost effective and time efficient), and are being used in new and innovative ways to supplement conventional income streams for logistics organisations through integrated fibre networks. Power companies continue to explore delivery of new products and services over existing infrastructure (i.e. broadband over powerlines), and are currently reinventing themselves in biofuels space to enable delivery of "green" energy to a more environmentally conscious market. Combustion engines are being redesigned to be more fuel efficient and "environmentally friendly".
The delivery platforms have been around for some time and form part of our everyday lives – their use is evolving in new and innovative ways. IT – perhaps more than any other technology platform – has the capacity to continue to be adapted and evolved to meet the ever-changing demands of its user base. Commodity? Yes. Does it matter? Of course it does.
Back on topic …
I suspect there is a significant difference in the structure, objectives and necessities of Corporate Governance and IT Governance; and of the relationship between the two in comparison to the same for DW/DSS Governance. Even then, there are perhaps different factors that need to be considered from the perspective of DW Governance versus DSS Governance, and their respective relationships with IT Governance.
Consider the basis for the introduction of Corporate Governance – a means of managing the seemingly inevitable consequences of the centralisation of power and decision making authority (Husted, 1999); then consider the basis for the introduction of IT Governance – the patterns of authority for the significant IT activities of an organisation including IT Infrastructure, IT Use and IT Project Management. In simplistic terms, the former focuses on risk mitigation, the latter on efficiency and effectiveness.
Over time, the use of Corporate Governance models as a direct risk mitigation strategy has given way to an army of formalised standards, auditing and reporting obligations – spanning multiple levels of business, including technology operations – administered by committees through levels of delegation of authority. The line between Corporate Governance and IT Governance has blurred, and the need to maintain alignment of IT (infrastructure, use and project management) with the organisations mission objectives is now forefront in the minds of most informed corporate executives. This alignment recognises that the critical strategic importance of IT to successful business operation.
Get it right, and IT can (at a minimum) provide a stable platform from which other strategic endeavours can be launched. Get it wrong, and a failed IT system or project can (in the best of cases) reduce your business efficiency or effectiveness, or (in the most severe of circumstances) end your business (someone say ERP?).
A pencil is a commodity. IT is a tool that can be used to create competitive business advantage, or as easily be misused resulting in catastrophic business or process failure.
I find myself off topic again …
The evolution of DW Governance arrangements depends on the confluence of many factors that interact with one another in a number of complex ways (Sambamurthy and Zmud, 1999). The key factors, their interactions and dependencies are included below.
Given the nature of the relationships identified below, perhaps we could identify the interactions has a loosely coupled hierarchy: with each child exhibiting some characteristics of its parent, and the will and initiative to move around (and sometimes break out of) the boundaries defined by the ever-watchful parent (who will evolve and adapt their boundaries to meet the growing needs and demands of the child, but have the foresight and capacity to bring the child back into line if needs be).
Thanks Bruce. Generally, I vigorously agree with everything you've written here. If you would like a copy of Bruce's original diagrams, drop me a line and I'll pass on the request.


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ICICI bank which is one of the leading banks in India, millions of people have an account in ICICI bank and those people who own an account with this bank love their services. So long I have not heard any ICICI bank customer complaining about the service they provide. But recently I heard from one of my relatives that bank has deducted some amount of money from his bank account multiple times even when he has not purchased anything by using his debit card. When he checked in ICICI bank statement, it was mentioned as POSDEC CHG with the date.
So now the question is what is this POSDEC CHG which is mentioned in the bank account statement? I will tell you about this deduction which is done from your account by the bank. When we open a saving bank account with any of the banks which are operating in India, at that movement we are unaware of the hidden service charges. There are many hidden services charges I have listed some of them in my previous article about 20+ hidden service charges in Saving bank accounts. If you wish you can read that article by following the link provided here.
POSDEC CHG in ICICI Bank Statement: What is That?
So now let us get started with this article and check out what is this POSDEC CHG which is added up in you bank account statement? You can see the image added below in which you can see POSDEC CHG/26-11-16/0098+ST mentioned twice.
They have deducted Rs. 28.75 twice but my relative has purchased nothing on 26-11-2016. (this date is mentioned)
But Why Two Deductions?
The real reason behind this deduction is when you try to use your card somewhere to make any purchase but you don't have sufficient funds in your bank account to make that transaction. At that movement, your payment will be declined by the bank, when this happens ICICI bank will charge the card holder.
This is the reason for this deduction so before using your card at any online stores or swipe machines make sure that you have sufficient funds in your account to make the transaction if not then you will be charged for those declined transactions.
In the case of the account, I have referred above they have deducted Rs. 28.75 twice because on that day i.e. 21-11-2016 he tried to pay for something at a local store but at that movement his payment was declined by the bank because of insufficient funds. But the merchant to whom he was paying was not aware of this and they both tried to use the card once more. And this ended up with these charges of Rs. 28.75 twice.
So this was the real reason why POSDEC CHG is mentioned in your ICICI Bank account statement and the full form of this is Point of Sale Decline Charges. if you have any kind of doubts or your want to share anything with me then you can leave your comment below and if you need more details then you can call ICICI Bank customer care as well.


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Owning your own home is an amazing experience. It allows you to feel like you genuinely have your own little corner of the world. It is your place of solace and refuge on a bad day and memory making with your family. It is the hub of your daily life.
Eventually, though, life takes its course. Your family may grow along the way leaving you with the need for more space. Your home may fall into disrepair prompting maintenance repairs or you may just decide one day that you need a change of scenery and decide to invest in some remodeling.
Either choice can be expensive will usually leave you little choice but to take out a loan to help with the cost. Below are some things you should keep in mind when determining if you need a loan and which one might be more appropriate for your needs.
What Kind of Improvements Do You Need to Make?
There are all kinds of things you can do to your home that count as home improvement ventures. Which one will determine what kind of loan you need, should you need one. An FHA 203 standard loan will be the best choice if you need to do repairs, add a new room, or rebuild from the foundation up.
The limited version of the same type of loan is better for more cosmetic improvements. There are also loans that come into play when you buy a home that has some repairs that already need to be done.
This type of loan will allow you to roll the price of the repairs into the price of the home. Just a side note, but there are also grants available for home improvements. The requirements are usually much more restrictive.
How Much Time Can You Devote to the Project?
The majority of us have rather busy lives. With a full-time job, spouse, children, friends, and the time we set aside for entertainment, there is rarely enough to do much else. However, there are times in any given year where some of that time is freed up whether it be by summer vacation, time off from work, the holidays, or those wonderful weekends.
The trick here is to calculate how much time you will have to devote to improving or repairing your home. If you have less time than you need, you will have to consider hiring some help. That venture will add to the amount you need to ask for when applying for a loan. You will need to make allowances for payroll and extra amenities, like lunch. (It's polite to, at least.)
How Much Money Do You Have?
Last, but certainly not least, calculate how much money you already have. There are not many who have the budgeting skills of Dave Ramsey, but it happens. If you have enough in your savings to finance your own home improvements, obviously, there is no need for a loan. Maybe you only have about half of what you will need.
Be careful, though. Some loans have a reserve or a certain amount of money you have to borrow if you are to take out that loan. For the FHA 203 we discussed above, it's $5,000. Then again, you may have all but maybe $1,000. Here, we would recommend taking a little more time to save your money. Waiting can be a pain, but escaping the interest on a loan is worth it.
Home improvements are guaranteed to happen at some point in the life of your home. Use these tips to help you know how best to afford them.


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"As better medicines for Alzheimer's disease become available, it will be important to identify people at high risk for the disease as early and accurately as possible so treatment can be most effective," said Norbert Schuff, PhD, with the University of California and the Veterans Affairs Medical Center, San Francisco, author of an editorial about the research.
For the study, 76 healthy people in Rome aged 20 to 80 underwent DTI-MRI brain scanning, which is more sensitive than traditional MRI for detecting changes in brain chemistry, thereby mapping fiber tracts that connect brain regions. The researchers examined DTI changes in the hippocampus, a region of the brain that is critical to memory and one that is involved in Alzheimer's disease.
Participants were given verbal tests and tests that measured visual perception of space between objects. Scientists compared the brain scans and found that changes in DTI imaging better explained declines in memory than did measuring hippocampus volume through a traditional MRI. They found that mean diffusivity in the hippocampus better predicted verbal and spatial memory performance in the participants, especially in those who were 50 years of age or older.
"Our findings show this type of brain scan appears to be a better way to measure how healthy the brain is in people who are experiencing memory loss. This might help doctors when trying to differentiate between normal aging and diseases like Alzheimer's," said study author Giovanni Carlesimo, PhD, with Tor Vergata University in Rome, Italy. "DTI, along with MRI, could serve as an important tool in understanding how and why a person experiences memory decline." The study was supported by the Italian Ministry of Health.
The American Academy of Neurology, an association of more than 22,000 neurologists and neuroscience professionals, is dedicated to promoting the highest quality patient-centered neurologic care. A neurologist is a doctor with specialized training in diagnosing, treating and managing disorders of the brain and nervous system such as Parkinson's disease, ALS (Lou Gehrig's disease), dementia, West Nile virus, and ataxia. For more information about the American Academy of Neurology, visit http://www.aan.com.
Angela Babb
Media & Public Relations Manager
(651) 695-2789
Rachel Seroka
Media & Public Relations Administrator
(651) 695-2738


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Korsakoff Syndrome
(Cerebral Beriberi; Korsakoff Amnesic Syndrome)
by Cynthia M. Johnson, MA
Korsakoff syndrome is a group of symptoms that affect memory, usually in patients with alcoholism. It usually occurs following Wernicke encephalopathy.
Korsakoff syndrome is caused by a lack of vitamin B1, also known as thiamine. This is usually associated with alcoholism, since a poor diet and alcohol can prevent the body from getting enough thiamine.
Not everyone with alcoholism develops Korsakoff syndrome. A combination of genes and diet may play a role.
Risk Factors
Factors that increase your chance of developing Korsakoff syndrome include:
Symptoms of Korsakoff syndrome may include:
The main symptom of Korsakoff syndrome is severe memory problems. It is most obvious with recent events and new information. Often, people with this condition do not know the date or day. However, long-term memory and overall intelligence are not usually affected. To fill in the gaps in recent memory, patients tend to make up information that fits with the situation. This is called confabulation.
You will be asked about your symptoms and medical history. Your mental function will be assessed. Testing your ability to learn new information most likely will show if you have this condition. If you are an alcoholic and/or have had Wernicke syndrome, Korsakoff syndrome is seriously considered as the cause of your memory problem.
Talk with the doctor about the best treatment plan for you. Options include:
A referral may be made to an alcohol rehabilitation facility if alcoholism is the cause of the condition.
Thiamine Supplements
Thiamine supplements will be given to treat the thiamine deficiency.
Dietary Changes
Plenty of fluids will be advised. A referral will be made to a dietitian to help with meal planning, especially if a current diet is high in carbohydrates.
Korsakoff syndrome often occurs following Wernicke encephalopathy. To reduce the risk:
Alcoholics Anonymous
National Institute on Alcohol Abuse and Alcoholism
Alcoholics Anonymous Canada
Dietitians of Canada
Harper C. Thiamine deficiency and associated brain damage is still common throughout the world and prevention is simple and safe. Eur J Neurol. 2006,13:1078-1082.
Impairments of brain and behavior: the neurological effects of alcohol. Alcohol Health and Research World.1997;1:21.
Korsakoff syndrome. EBSCO DynaMed Plus website. Available at: http://www.dynamed.com/topics/dmp~AN~T900713/Korsakoff-syndrome . Updated June 5, 2017. Accessed November 8, 2017.
Kuo SH, Debnam JM, et al. Wernicke's encephalopathy: an underrecognized and reversible cause of confusional state in cancer patients. Oncology. 2009;76(1):10-18.
Lukas RV, Piantino J, et al. MRI changes in a head and neck cancer patient with Wernicke's Encephalopathy and visual loss. Neuro-Ophthalmology. 2011;35(5-6):272-275.
Thomson AD, Marshall EJ. The natural history and pathophysiology of Wernicke's encephalopathy and Korsakoff's psychosis. Alcohol Alcohol. 2006,41:151.
Yoon CK, Chang MH, et al. Wernicke-Korsakoff syndrome associated with hyperemesis gravidarum. Korean J Ophthalmol. 2005;19(3):239-242.
Last reviewed November 2018 by EBSCO Medical Review Board Dianne Scheinberg Rishikof MS, RD, LDN
Last Updated: 12/20/2014
EBSCO Information Services is fully accredited by URAC. URAC is an independent, nonprofit health care accrediting organization dedicated to promoting health care quality through accreditation, certification and commendation.
This content is reviewed regularly and is updated when new and relevant evidence is made available. This information is neither intended nor implied to be a substitute for professional medical advice. Always seek the advice of your physician or other qualified health provider prior to starting any new treatment or with questions regarding a medical condition.
To send comments or feedback to our Editorial Team regarding the content please email us at firstname.lastname@example.com. Our Health Library Support team will respond to your email request within 2 business days.
All rights reserved.


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One person can always make a difference, but the one person I want to focus on is not the idealistic hero that people always focus on, but the loyal first follower.
I watched a really very good TEDTalk on the idea of the First Follower, and the video is embedded just below:
Basically, for any movement to succeed, whether a religion, a dance, or the YEM, there of course needs to be the visionary with ideas. However, there are always many visionaries with many ideas, they will always appear, and many will disappear. The vital ingredient is the First Follower, that person brave enough to stand shoulder to shoulder with the lone voice in the room. The First Follower gives the idea credibility, and makes it easier for other people to then get involved.
In a YEM context, the UK is a country where it can sometimes be similarly crazy or scary to put your neck on the line and publicly make the case for Europe. However, it has never been so important for us Europeans to be making the case for the Union, and showing that the Eurosceptic dogma that has dominated media headlines is the ranting of the few, not the many. Most British people are pro-European, and many people will sometimes say this, but we need a legion of first followers to give some staying power to these arguments. In short, we need First Followers to really grow the Movement.
It is never an easy job to be the first follower in a political organisation. Often you will have a disproportionately large amount of work to do trying to get more people involved, making sure things are functioning as they should be, and that they can be sustainably passed on to a new generation when the time comes. However, it is an extremely valuable job, a rewarding job, and a vital job at the present time.
Of course it takes many, many people to change the political scene in the UK on Europe, but the single person who can most make a difference? That's the First Follower! If you come across such an opportunity, grab it by the horns, and do your bit!
By Chris Powers who is currently studying a Master's degree at the College of Europe in Warsaw, and is a member of YEM Cambridge.


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We're not big drinkers here in the Love Cottages office, but we do have our favourite tipples. We may have expressed an interest in fine, artisan gin in the past and this post alone is testimony to our penchant for a glass of wine every now and then, but we like to savour, not quaff. Well, most of the time.
One thing's for sure, we're absolutely not wine snobs. We know what we like and we know where to find it. But that means we love being introduced to new grape varieties, trying new vintages and are generally on the hunt for the next best thing. And we're not afraid to shout about them when they set our palates alight with delight.
If you ask around the team, you'll find more than your fair share of love for a Kiwi sauvignon blanc – the empties of Tiki Ridge and Freeman's Bay are commoners in our colleagues' recycling bin. But so are a well aged Puligny-Montrachet, the likes of those produced by Olivier Le Flaive come out for special occasions. On the vin rouge front, we all agree that a robust Chateauneuf du Pape makes the best partner for a ribeye steak. And in terms of fizz we're not fussed by the big brands and tend to opt for less gassy options like a prosecco or that well known bargain basement supermarket's award winning Monsigny Champagne for a summer celebration or pre-dinner sip.
But in this post we're putting our wine status quo to one side and delving into the vineyards of England and Wales. Don't run away just yet. British vineyards have been winning international recognition and accolades for some time now. And yes, there are some natural similarities to be made between the climates of Kent and (northern) France but that doesn't make the rest of Britain and no-go for vines. In our corner of south Oxfordshire, you'll find vines on a sunny ridge in Shillingford and on the slopes of the Fairmile in Henley on Thames. But look west and north, even as far as Scotland, and you'll find viticulture thriving where the soil and the weather conditions permit.
And so we bring you some of our favourite British vineyards…
Adgestone Vineyard, Isle of Wight
If you think viticulture is pretentious, then make your way to the southern isle and visit Adgestone – England's oldest vineyard. While you learn a thing or two about English wine production, you'll be more than a little fascinated by all that's going on here. This place has the potential to fill an afternoon, even with kids in tow.
But back to the wine. Their dry white dares to associate its grapefruit notes with the zing we know and love in a New Zealand sauvignon blanc. Well we can't promise you'll be transported to Marlborough country but we do think you'll be pleasantly surprised by this fresh and somehow nutty vintage. And there's clearly something good going on down here on the Isle of Wight for them to also produce a robust and full bodied red wine that you'd happily swap for your usual Merlot.
Wine aside, these fermenting experts have also turned their hedgerows into a source of ingredients for their 'Country Wines', which include an elderflower dessert wine. Sounds good, doesn't it.
Pant Du, Penygroes, Caernarfon
This is one of Gwynedd's entrepreneurial success stories and a thriving family business to boot. They've only been producing wine since 2010 but they won an award for their very first vintage. So these guys are on to something. And although they first planted the Rondo grape, they now have eight vine varieties in the foothills of Mount Snowdon that produce the Pant Du red, white and rose vintages each year.
But this isn't just about good Welsh wine. There's a more than ample orchard of native Welsh apple varieties producing apple juice and cider. And naturally, being a farm in a glacial valley it comes as no surprise that there's a source of mineral water here too.
If the prospect of a jaunt up Wales' tallest mountain is a little too much, Pant Du host guided vineyard tours and tasting every Sunday at 11am from April through to October – booking advised.
Laurel Vines, AIke, East Yorkshire
You can't help but love this fledgling enterprise. True to its Yorkshire roots, there's been plenty of toil and some adverse weather but their first vintages are here. There's a summery note to the dry white wine that makes it easy to move to a second glass. And their English rose gets a big tick for its dry finish and putting the sweet rose stereotype firmly in its box. Verdict: one to watch.
Gwinllan Llaethliw Vineyard, Ciliau Aeron, Ceredigion
We can't pronounce this beautiful looking name even before we taste the wine. Memorising the spelling proved tricky too. But Gwinllan Llaethliw in Ceredigion not a place you want to forget.
From four vine varieties, they produce a red, white and rose, only the later blending two of those varieties (Orion and Regent). And if you're wondering how a Welsh grown grape survives a hardy British frost, you'll be perhaps even more fascinated to know that the Rondo variety grown to produce the red wine is of Russian origin and particularly frost-hardy. So there!
Camel Valley, Cornwall
Now before you place a delivery to be sent your Cornish holiday home this summer, think about taking a day away from the beach and visiting the vineyard. You think the beaches are great down here. You'll be blown away by the lush rural surrounds of the Camel Valley estate and that's without even sniffing the tasting measures. Their sun-soaked vines have a trophy cabinet even a French wine producer would be proud of. There's even a fizz to celebrate your discovery with!
Gusborne, Appledore, Kent
If you know your Valdi from your Lindauer, then you've more than likely tried your fair share of Champagne alternatives. But have you tried a Gusborne?
For an operation not even in its teens and that sells just three vintages, there are accolades and gold medals galore reflecting the precision viticulture at play here. Although your friends have likely already heard of and drunk Gusborne, they certainly won't mind you arriving with a bottle when you're next round for dinner. This is a company making Kent proud.
Naturally, you'll find some of our holiday cottages not too far away from these temptation filled wine tastings and tours. And we're certain the vineyards will know a local taxi company or two should you find more than one favourite amidst their offerings. So all that's left to say is, cheers!


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A true cradle-to-cradle endeavor, the Seeds Collection represents a new and unique approach to product and packaging: environmentally-friendly candles are brought to you in fully recycled, biodegradable, FSC-Certified, plantable packages which are infused with seeds that will grow the scent of the candle.
Catalan Calendula - Calendula, orange blossoms, wildflowers
A playful and romantic spring day in Barcelona where the air is filled with the scent of fresh cut flowers, mixed with delicate grassy notes and a bouquet of orange blossoms.
Fresh Cut Grass - Clipped grass, cedar, baby green tropical fruit
Aromatic clipped grass is combined with a touch of cedar and yet-to-be ripened baby green tropical fruit
Heath Lavender - Pure lavender. The simple, classic and unmistakable aroma of fresh lavender flowers. Crisp, herbaceous and slightly sweet.
Siam Poppy- Poppies, black and red currants, citrus
Lusciously tropical and fragrant. In this aromatic blend, a sensual combination of black and red currants accent the poppies while a final sweet citrus note tops it off.
Sweet Sunflower - Green melon, lemon, crisp apple
A soft and stunning floral blend blooming with top notes of green melon, lemon and crisp apple blended with lush mid-notes of pink jasmine, cyclamen and lily. Silky white musk and rich cedarwood lend enduring warmth and an elegant finish
60-hour burn time. Pure soy candle.
Each candle comes complete with an extinguishing lid
and a custom-designed box of wooden matches


text:
PMA 2008 U.S. Consumer Scrapbook Report (PREMIUM Edition)
eBook (PDF), 139 Pages
Price: $149.00
In May 2008, PMA conducted a survey of consumers in the U.S. The objective was to measure the current consumer involvement in scrapbooking, develop profiles of the major consumer segments, evaluate the emerging role of computers in the scrapbooking process, record purchasing patterns and spending, and gauge interest in other photo related products and craft projects. The PMA 2008 U.S. Consumer Scrapbook Report details the findings from the survey. This premium edition supplies companies with a complete look at survey results, saving them the time and expense of conducting their own survey. In addition to the basic report, this edition includes over 100 pages of data tables with a breakdown of the answers to each question cross-tabulated by demographic variables including household income, presence of children, age, employment, and ownership of digital camera.
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Wednesday, October 15, 2014
Make It A Scary Godmother Halloween!
Jill Thompson, accomplished illustrator and author, has created a Halloween icon and I am head over heels in love with her. Friends, have you met the Scary Godmother?
Scary Godmother is a series of comics, storybooks and two delightful Halloween cartoons all about the wonderful title character and he household of zany friends. She's a Halloween fairy tasked with making sure the holiday goes off without a hitch. She knits cobwebs and bakes crunchy autumn leaves. She's funny, charming and fully in charge of her domain. When a frightened girl named Hannah Marie stumbles into her realm, Scary Godmother takes her under her wing and helps her discover that scary stuff can be fun and that she's stronger than the things that frighten her.
The world of Scary Godmother is a Halloween delight. She lives in a perfectly gothic Addams Family style Victorian with Mr. Skully Pettibone, her campy skeleton roommate. He's the lovingly sarcastic counterbalance to Scary Godmother's exuberance. The bane of their existence is an ill-mannered British werewolf named, what else, Harry. The last residence of the Halloween house is Bug-A-Boo, a huge fuzzy monster with a heart of gold.
The best characters, apart from Scary Godmother herself, are the vampire family. They're modeled on old silent movie vamps and just do not understand anything in this century. Count Maxwell (an illusion to Count Orlock from Nosferatu) and his wife Ruby (an illusion to Vampira) have a son named Orson who befriends Hannah Marie. The characters are all amazingly developed and sincerely fun to read and watch.
I was introduced to Scary Godmother by two animated specials that run on the Cartoon Network every Halloween. Despite a bit of wonky animation, the specials are full of heart. They're funny, adorable and have become a bit of a Halloween tradition. Likewise, the Scary Godmother comics have become their own tradition. Branching out from Halloween, they also include Scary Godmother and friends dealing with such shockingly strange and bizarre holidays as Valentine's Day and Christmas.
This is your formal invitation to the Fright Side! It's time to get to know Scary Godmother. Your Halloween is incomplete without her!
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