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Search results
2020 Inservice Recordings
Marc Sulc Utilizing Cover Crops for Pest Management, Alan Sundermeier and Sarah Noggle Pesticide Container ... McDermott Managing Parasite Resistance in Livestock, Justin Kieffer Which Bugs in Your Grain Bin are ... Important & How to Avoid Them, Curtis Young Fertilizer Update, Harold Watters and Greg Labarge December ...
From Burkina Faso to Piketon: Dr. Compaore collaborates with soil/water program
By Dr. Rafiq Islam SWBR Program Leader Dr. Emmanuel Compaore, Head of the Soil Chemistry Division ... visiting scholar for one month with the Soil, Water and Bioenergy Resources Program. He is one of the ... leading soil scientists in Burkina Faso. His professional development training was focused on conservation ...
Don't Hurry Into Hemp
say the least, we sure learned a lot", said Bergefurd. He along with co-worker and soil and water ... researcher Dr. Rafiq Islam were members of a special Hemp Task Force comprised of 25 Ohio State University ... researchers and Extension specialists within the College of Food Agriculture and Environmental Sciences ...
Manure Management in Winter
in the project is determined by you. They can also help you create a Nutrient Management Plan. Have ... frozen soil. Winter is also a time when many livestock that are typically on pasture are housed indoors ... on frozen or snow-covered fields could cost you on several fronts. First, we all need to adjust our ...
15 Years, 15 Minutes: South Centers scientist Islam recognized by University for soil test kit commercialization
our communities." The signature feature of this soil test kit is convenience. Unlike many other ... developing a soil test kit that was affordable, and so convenient and simple to use that any landowner could ... use it to make informed decisions concerning soil health and the potential for agricultural ...
OSU's science-based knowledge translation to Republic of Kazakhstan
By Dr. M.A. Rahman Post Doc Researcher, South Centers Dr. Rafiq Islam, program leader for the ... Soil, Water, and Bioenergy Resources at The Ohio State University South Centers, was invited on behalf ... Islam's applied research and Extension outreach interests aligned well with the objectives of the summit. ...
Great Lakes Scientist says, "If We Lose The EPA, We Lose Lake Erie"
phosphorous run-off from farms that use fertilizers and manure. Click here to read more about Lake Erie algal ...
Fertilizer Applicator Certification
Fertilizer Applicator Certification Training Senate Bill 150 requires fertilizer ... applicators to obtain certification if they apply commercial fertilizer (not manure) to more than 50 acres. ... Fertilizer applied through the planter box as a starter fertilizer is not included in this requirement. The ...
A Cup of Coffee with Dr. Dan
manage their blood sugar," he explained. "When they come to our classes, we give them a basic ... do our little part." For 17 years, Remley, an associate professor and field specialist for food, ... educate people on how to manage their chronic illnesses and for disseminating knowledge to help build ...
Another Fruitful Year for the Small Fruits Team
"Our research efforts led to several promising blueberry rootstocks for Ohio and beyond. We identified ... farming operations through our cultivar trails. Both of their Extension and research efforts help create ... program at South Centers in Piketon in the areas of Extension, research, international collaboration, and ...


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This WikiHow explains how to mix up a brushable paint of moss that will grow on a wall surface. So green and gorgeous it hurts.
abe/Anna Garforth Design & Illustration. She did promo materials project called Park City And her URL is "crosshatchling" which is possibly the cutest word in history.
This is the image I saw at Art News blog that jump-started my growing street knitting fixation. It's Knit Knot Tree by Corrine Bayraktaroglu:
My friend Amy Van Gogh, FestivALL street art Goddess and seamstress extraordinaire, mentioned that Taylor Books/Annex Studios is holding a Street Knitting class this fall. Amy has done some amazing street works that embody the goal of FestivALL turning the city into a work of art. I'm missing a knitting performance piece by Amy and Rob Hrezo as I type. (Feeling a bit wonky...)
I'm not ready to find out if I can knit with seven fingers and my absolute next skill to learn will be sewing, but I'm so charmed by knitting as a punk groovy art medium. MinniPurl will be teaching the class, but the schedule's not live on Taylor's site yet.

subset: commoncrawl


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Assessment: Canada's Marine Coasts in a Changing Climate
Natural Resources Canada has just published a new national assessment of Canada's marine coasts. ACT Executive Director Deb Harford was also one of the reviewers of this assessment.
From the summary:
Coasts are an important component of the Canadian identity, economy and culture. Fronting on three oceans— Atlantic, Arctic and Pacific—Canada's coasts, the longest in the world, are diverse and dynamic regions whose biodiversity, beauty and resources contribute to the country as a whole. The impacts of climate change on Canada's coasts, which extend far beyond changes in sea level, present both challenges and potential opportunities for coastal communities, ecosystems and economic activities. How we adapt to the coming changes will be critical to the sustainability and continued prosperity of Canada and its coastal regions. The following points represent high-level conclusions from Canada's Marine Coasts in a Changing Climate, and are discussed further in this synthesis:
- Changing climate is increasingly affecting the rate and nature of change along Canada's highly dynamic coasts, with widespread impacts on natural and human systems.
- Recent extreme weather events demonstrate the vulnerability of coastal infrastructure.
- Changes in the extent, thickness and duration of sea ice, both in the North and in some areas of the East Coast region, are already impacting coasts, ecosystems, coastal communities and transportation.
- Sea-level changes will vary significantly across Canada during this century and beyond. Where relative sea level is rising, the frequency and magnitude of storm-surge flooding will increase in the future.
- Knowledge of climate risks and the need for adaptation in coastal areas is increasing, with many examples of local and regional governments in Canada taking action on adaptation.
- A range of adaptation measures will be needed in most settings to address the complex array of changes. Alternatives to hard coastal-protection structures can be effective in addressing coastal erosion and flooding in many areas.
- It is imperative that future development be undertaken with an understanding of the dynamic nature of the coast and changing coastal risks. Monitoring and assessment of the effectiveness of actions taken to date, as well as research to fill data and knowledge gaps, would help inform sustainable planning and development.


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Secure Sleep For Baby
The Candy P Nameframe is baby title poster that he will likely be proud to have in his room, a novel baby present concept for a Baby Shower or to have fun the birth of that new baby boy Alexander. Having to handle a new child child can appear to be a frightening job at first,. Julie Cottle a trained naturopath, mom and skilled breastfeeding counsellor shares with you her high 10 ideas for happier breastfeeding for mum and child. Introducing solids to your child can be enjoyable particularly with all the funny faces they make. Seeing your child's satisfaction in her personal skills is one of the most rewarding elements of parenting.
You may be the kind of one who likes to include the names of spiritual personalities similar to Jesus in your kid's id. Boys are more superior to ladies in mathematical reasoning, spatial skill, and mechanical ability, while girls score increased on memory, perceptual accuracy, verbal fluency, and language tasks. Graco's deep information and expertise with child products reveals in each aspect of this method, and it is the proper starter set for new parents.
Most babies are born into the world curious and learning their atmosphere. As well as, toddlers can be very mischievous during playtime. Many parents try to encourage learning of their children within the early phases of development. There are some mother and father that develop toddler classes plans to assist their children with getting an early begin on learning activities for Pre … Read More


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The company has launched three models of gravity-fed water purifiers, priced between Rs 1,499 to Rs 2,199, Panasonic said in a statement today.
Panasonic India President Daizo Ito said: "We believe that this initiative will contribute to the Clean India Mission by providing safe and hygienic drinking water to all in urban India as well as in hinterland."
Besides, Panasonic has plans to export these affordable range of water purifiers to other developing economies.
"Panasonic plans to encourage India's growth as a global manufacturing hub with the export of these domestically manufactured water purifiers to emerging markets in the near future," the company said.
Panasonic, which is already present in the electricity-run water purifiers, said that non-electric version is a step further to provide safe drinking water to the masses.


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TheraSuit Method® was created by Izabela and Richard Koscielny (Physical Therapists and parents of a daughter with Cerebral Palsy). It is a very holistic approach for those afflicted with neurological disorders like Cerebral Palsy, Developmental Delays, and Traumatic Brain Injuries. It combines the best elements of various techniques and methods, and has a sound rationale based on physiology of exercises.
The key element is a strengthening program established for the participant based on his/her individual needs, strengths and weaknesses. Increased strength reflects in daily functional activities that usually follow or are combined with the strengthening exercises.
TheraSuit Method® is based on an intensive and specific exercise program. Elimination of pathological reflexes and establishing new, correct, and functional patterns of movements is of significant importance.
TheraSuit Method® utilizes various tools and exercises. One of them is the soft dynamic proprioceptive orthosis called TheraSuit®. TheraSuit® aligns the body as close to normal as possible. Reestablishing the correct postural alignment plays a crucial role in normalizing muscle tone, sensory and vestibular function.
Universal Exercise Unit is used to train one the abilities to isolate the desired movements and strengthen the muscle groups responsible for that movement. Universal Exercise Unit allows to gain range of motion, muscle and joint flexibility, as well as functional skills.
TheraSuit Method® is a structured program that may enhance growth and development of each individual.
TheraSuit Method® Program
Research results
Pictures Gallery I
Pictures Gallery
FDA Disclaimer
* These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure, or prevent any disease. Always consult your physician before beginning any exercise program.
Case Study
NEW TheraSuit Method®
The New Standard in Treatment
for Cerebral Palsy


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Maya. Post-BDM. A parting. A funeral. Please let me know what you think.
Hank took Colm back outside while Domina opened a safe, hidden behind a family portrait, and removed an envelope, taking a single sheet from inside.
"My father was important in the Alliance, and when this was suggested, he …" Domina licked her lips. "We were at war. You have to remember that. That's what he told me. We were at war, and the Independents were stronger than they had ever realised. They needed any advantage they could get." She handed it to Mal. "They thought they were in the right."
"Hun zhang," Mal muttered under his breath.
The signatures were like a who's who of the high ups of the Alliance. Josiah Delacroix, Xavier Wing, Damiana Popov, Ang Fu Long … names that encompassed Parliamentary members and the mega rich. Then three signatures he didn't recognise.
Inara did, though. "The Triumvirate," she whispered, appalled.
"As I said, everyone had a copy. Each signatory. They insisted." Domina pointed to it. "The Guild weren't happy about it, but –"
"Ain't surprised. It's a gorram timebomb."
"No-one else was ever supposed to know about it."
Mal carried the vellum sheet to the window in order to read it fully. It was surprisingly short for such a dangerous document …
'This Agreement is made between the Allied Planets and the Guild of Companions. For the duration of the current conflict, and for any period thereafter, all Guild Houses shall be free from Alliance interference or damage, to be allowed to carry on their normal functions. Companions will be unmolested and allowed free movement. In exchange for this concession, any and all information gained during the performance of their contracts that is deemed relevant shall be passed to the Group for use as they see fit. Signed this day by …"
"A lot of the names on this Agreement are dead," Domina said, shaking her head. "My father of course, Jason Kwang, Adeian Ross … and I heard Xavier Wing had been murdered a few weeks ago."
"Really," Mal said. "Must be something in the air." He tapped the Agreement. "You inherited this?"
"My father gave it to me on his deathbed, three years ago. He … he was ashamed he'd ever signed it." She rubbed her hands down her arms as if she was cold. "I didn't know anything about it, I swear, not until he gave it to me. I didn't know this was probably why they gave me Colm." She was pleading with him. "My father said more people died during the war because of it. He often wondered, in his last days, whether that was why the Independent Command didn't complete the defence of Hera."
Mal didn't answer, but his knuckles whitened.
Domina turned to Inara. "You can keep this if you'll leave Colm with me."
"He's not a commodity!" Inara said, her voice dangerously low. "You can't just offer to -"
Mal handed the document back. "No. 'Nara's right. The boy ain't to be sold. Not even for this."
"But he's my son." Domina was beseeching them. "I don't care if I didn't carry him. I love him. He loves us. We're the only family he's ever known."
Inara stared at her, biting her lip and tasting blood. "He doesn't know me," she said softly, almost to herself.
Mal turned to look at her, and knew what was going through her mind. "They're a good family," he murmured.
"I know." She closed her eyes, two tears running down her cheeks. She knew what she had to do, for the boy's sake, for her son's sake, but it was so hard. So very hard. She took a deep breath and looked at Domina. "If I hear he's mistreated in any way …" she said quietly.
Hope blossomed on the other woman's face. "You mean …"
"This is his home. He loves you." She swallowed. "If I take him away now, he would be unhappy, and that would hurt more than leaving him here."
Domina took her hand. "Thank you."
"No. Don't thank me." Inara pulled away. "He's still my son. I want what's best for him."
"I could … if you tell me where you are, I could let you know how he is. Maybe send a capture …" Domina suggested diffidently.
"Perhaps." Her heart was breaking, and there was nothing she could do about it. "If he asks, tell him."
"If he asks."
Inara understood. Colm would never know he wasn't Domina's flesh and blood. He'd never have a reason to ask. "I have to go now, Mal," she said, holding out her hand.
He let her take his arm, gripping tightly. "Yeah." He led her out of the room.
"Wait." Domina ran after them, catching them at the door. She held out the Agreement. "Here. Take it."
"This isn't payment, Domina," Inara said, her face pale.
"No. But I have the feeling it might come in useful." She looked out to where Colm stood next to Hank, chatting away excitedly. "And I have all I could ever want."
Inara swallowed. "Domina, I –"
Mal took the document. "Thanks." He put his hand under Inara's elbow. "Come on," he said softly, leading her outside into the light.
Colm ran up. "Are you going already?"
Mal smiled down at him. "Have to. Things to do."
His little face fell. "I wanted to go for a ride."
"Maybe another time. But I think your momma needs you right now."
Colm nodded, standing up straight. "Yes sir," he said, and hurried inside.
"Oh, Mal," Inara whispered, leaning heavily against him.
"Come on. Let's get you home."
Hank waited until they had gone past back towards Serenity then walked up to join Zoe. "Prometheus?" he asked. She nodded. "Won't take us long to get there. Not more than six hours."
They headed for the Firefly in silence for a moment, then Hank asked, "We ain't taking him with us?"
"No, dear," she said, putting her arm through his. "He's staying with his family."
Kaylee watched as her husband led River down towards the small stand of trees. It was late autumn here, and a cool wind was blowing the remaining leaves around in a wild, tussling dance, but for once her sister-in-law didn't want to join in. Bundled up in Inara's thick woollen coat, she looked lost. Her hair whipped about her face but she ignored it, even when it was obviously stinging her eyes.
Kaylee'd sat in the cargo bay while the menfolk dug the grave, taking it in turns, even Simon insisting on helping, making sure it was deep enough so no wild creature could come and disturb things. No coffin for Jethro, though. No time to make one.
No preacher, neither. When Simon suggested it, River had shaken her head. "He wasn't a Shepherd. He never took the white," she murmured. "It would be wrong."
"Someone should say a few words though."
"The captain."
"Mei-mei, I don't know –"
"It's okay, doc," Mal had said from the doorway. "I can find something."
Simon had looked grateful, if a bit surprised.
Then they'd dug. Soil was yielding, easy to work, with the soft summer rains that fell around here. When it got deeper only two could dig at a time, so Kaylee made sure they had coffee ready for when they climbed out. Except it was only ever one who changed over at a time. Jayne stayed, his strong arms wielding the shovel like it was judgement day and he needed every bit of mercy he could get. It didn't matter that the Cap'n told him to rest.
"Ain't got time to rest. Need to get this done." He swung another load of earth up over the edge.
"Jayne, there's four of us. We'll get it done."
"Ain't listening, Mal." He carried on, like he was mechanical or something.
And now here they were, all gathered outside, Zoe and Hank standing close together, Mal and Freya to the other side, while Jayne hung back with Inara. Some of the earth had been spread back in the grave to cover over Jethro's mortal remains, but the majority was still waiting.
"Mal," Simon said softly.
The captain stepped forward, pulling something from his pocket, something Kaylee was surprised to recognise as Book's own personal Bible. The pages River had 'fixed' were still raggedy, and the cover well-thumbed, but it was the Shepherd's. Kaylee wondered where the Cap'n had got it, whether he'd taken it from Haven, or if Book had left it behind on board Serenity. Not that it mattered. Not now.
Mal opened the old Bible up at a particular spot, marked by a strip of leather, and began to read out loud, his voice carrying over the wind.
"The Lord is my Shepherd, I shall not want. He makes me to lie down in green pastures, he leads me beside the still waters, he restores my soul …"
She felt a tug at her sleeve.
"Momma?" Bethany said, her face full of so much query.
Kaylee leaned down and swung her up into her arms. "It's okay, honey. It's all okay."
Bethany patted her face.
"… Yea, though I walk through the valley of the shadow of death, I shall fear no evil. For thou are with me. Thy rod and thy staff comfort me …"
"Momma, he's with Alice now," Bethany said softly.
"How'd you –"
"Auntie River said." Bethany leaned her little face into her mother's neck and held on tight.
"… Surely goodness and mercy shall follow me all the days of my life, and I will dwell in the house of the Lord forever." Mal finished the psalm, and slowly closed the Bible. He went back to stand next to Freya, his arm around her as they stared down at the little marker where their daughter lay buried. Simon, who hadn't taken his arm from around his sister the whole time, turned her back towards Serenity, leading her away. Hank and Zoe followed, their hands tightly wound together. River kept glancing back.
Jayne tugged off his coat, laying it down on the ground before picking up the shovel and beginning to fill in the grave. Kaylee's eyes clouded with tears as she took her daughter back inside.
They'd had no time. Barely a few weeks together, yet she felt as if her heart were lying in the cold earth next to his. She couldn't wander Serenity's corridors, didn't feel a part of the ship anymore. She hid in her quarters, eating only the food brought to her, even telling Freya to leave her alone. Mal tried too, bringing her some of the sugar sticks he'd bought for Freya on Ariel, but she couldn't. Everything in her mouth turned to ash, and her eyes burned.
"Jayne," Simon said quietly as the crew left the dining room to go to bed that night after an almost silent meal.
"Yeah?" the big man asked.
Simon waited until they were alone. "Speak to her."
"She needs you," the young doctor said.
"You're telling me to go to your sis?" Jayne couldn't believe it.
"Hurt her and I will kill you. But right now she needs you." Simon looked at him with his dark eyes. "I never thought I'd say this, but I think you might be the only one who can help her."
"Doc, I'm the reason she's like this. Jethro died 'cause o' me."
"I don't care. I don't care if you took your gun and shot him yourself. If you feel guilty, then maybe you should. I'm not going to even attempt to talk you out of it. I'm far more worried about my sister. Right now she needs someone, and it isn't me." He lifted his head a little. "Please. Try."
Jayne stared at him, then nodded. He knew what it was costing the young man, but he also knew it was true.
Now he stood outside her room, and raised his hand to knock. He paused, and instead pushed the door to one side.
River was sitting on the floor in the far corner, her hair lank and greasy, crouched like a wild animal.
"Hey now," he said, lowering his voice as if he were speaking to a frightened creature. "You don't need to be going on so."
She looked at him, and all the pain in her flashed across her eyes. "Jayne?" she whispered.
"That's me, darlin'." He closed the door behind him. "And I ain't going anywhere."
She reached out her arms and he crossed the room in a moment, picking her up, light as a feather, and cradling her while she cried into his shoulder.
"Shh, shh," he murmured. "I'm here now."
to be continued
Monday, March 26, 2007 8:47 AM
Monday, March 26, 2007 9:30 AM
Monday, March 26, 2007 6:47 PM
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Celebrate faith and love with Kate Aspen's Personalized Glass Heart Shaped Coaster with Religious themed personalization! These glass coaster favors have a fun heart shape, and use a religious personalization theme to outline your special message and event details. The heart shaped coaster favor is just the guest gift to celebrate weddings, birthdays, or achievements in faith. In a set of 12, the Personalized Glass Heart Shaped Coaster is an affordable and useful favor option for celebrations of all sizes.
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Street magician Steve Gray holds his urine in the most elaborate illusion yet in New Line Cinema's The Incredible Burt Wonderstone. The comedy brings Steve Carell and Jim Carrey together for the first time, as a big shot Las Vegas illusionist has his thunder stolen by a grungy sidewalk performer. Check out the latest TV spot also featuring Olivia Wilde and Steve Buscemi.
Jim Carrey Really Has to Pee in New The Incredible Burt Wonderstone TV Spot
- —
- in Movie News


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PORTSMOUTH-Despite unrelenting snow and cold, real estate sales in the 13-Sample Seacoast Towns bounced back from a lean winter, according to statistics just released by the Seacoast Board of REALTORS.
The 13 Sample Seacoast Towns are Exeter, Greenland, Hampton, Hampton Falls, New Castle, Newfields, Newington, North Hampton, Newmarket, Portsmouth, Rye, Seabrook and Stratham.
The 72 single family sales basically matched last year's 73 transactions and was more than double last month's 33 sales. Notably, the volume increase comes even though inventory remains at record low levels. The median price of a single-family home fell to $417,000, off 1.8% from last year, the lowest median price since April 2017.
Condo sales improved 31.7% from last month on 54 transactions, four more than a year ago. Unlike single family sales, however, the median sale price reached its highest point of the new year at $307,900. That's also the highest finish since October, but off $52,600 from last March's record $360,500.
Year to date, single family sales are off 18.75% with median sale prices up 4% to $447,400. Condominium sales are off 7.2%, while the median sales price declined 6.6% to $307,900.
"Despite the year-to-date totals, we seem to be heading into a robust spring market," said Seacoast Board of REALTORS President Karen Kulberg. "I sense there is healthy listing activity, so we should have improved available inventory. At the same time, moderating appreciation on the single-family side is good news for buyers."


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Information For
School of Music > Resources > College Office > chamber music thank you
Thank you for submitting an application for participation in a chamber ensemble this quarter. Even though we have successfully received your application form, your enrollment in Chamber Music is at the discretion of the Chamber Coordinators, and your placement in a chamber ensemble is not guaranteed.
Once the Chamber Coordinators have processed and approved your request, they will send you an email with your enrollment information and your assigned group and faculty coach. It is your responsibility to enroll yourself in a chamber music class by the University enrollment deadline.
Please be aware that you must have any financial blocks on your account removed in order to enroll in classes. If you have a financial block, then you should contact DePaul Central, or the appropriate office in the University, in order to have the block lifted for enrollment.
If you have any questions, please refer to the Chamber Music Application FAQs.
Please direct any additional questions or concerns to the appropriate Chamber Music Coordinator at their email addresses listed below:
804 W. Belden Ave.Chicago, IL 60614(773) firstname.lastname@example.com
2330 N. Halsted St.Chicago, IL 60614(773) email@example.com - Friday, 10:00 a.m. - 3:00 p.m
2001-2014 DePaul University | Disclaimer | Contact Us | Emergency Plan | Consumer Information | Privacy StatementEditor Login


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A Conversational Exposé of the Façade of "Progressive" Christianity
A conversation between a conservative and a "progressive" Christian. Feel free to continue the discussion in comments below it!
Truth? It comes down to two questions: 1) Does God have a perspective? 2) Does He make that perspective known to us? Answer no to either, and all truth is relative. Answer yes to both, and absolute truth exists.
Enya or Jesus: "Spiritual" or "Christian"
I know what you think this post is about: you think I am writing an angry post, denouncing Enya and inciting a CD-burning, right? Sorry, no. However, I DO find it interesting to compare Enya's words with those of Christ. Which is more true...?
The Serpent's Song
When Satan comes to "deceive, if possible, even the elect," (Mat. 24:24) what words does he say? Whether in Liberalism or in Humanism or in the Emergent Church, or all the way back in Eden - the basic promise and the basic lie is still the same.
Nihilism and Postmodernity
A question worth answering: How many erudite and snobbish "post-moderns" are really just nihilists in denial?
Foundationalism is not "Modern"
Does anyone seriously wish to make the claim that foundationalism (1) built upon propositional (2) truth was invented only in the last two centuries? Are these not constitutive of normal human mental ability and function?


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Whether you're planning on driving the California coastline, or taking that timely pilgrimage down Route 66, you'll want your car running its best. I mean, just imagine what could happen if you go out on the open road with a car in less than perfect travelling shape? Imagine yourself stranded on the side of a Nevada desert highway, trying to flag down cars that never come. Imagine the stress you'd be under, the frustration, and the blistering agony of the heat. If that isn't enough to take matters into your own hands, I don't know what is. If you are planning a lengthy road trip this summer, take it upon yourself to perform some basic maintenance beforehand.
What To Check to Help Prevent the Need for Roadside Assistance in New York:
While you may be able to verify most of your vehicle's parts on your own, others will require the gentle hand of a competent mechanic. The obvious thing to start with is fluids.
Cars have about as many bodily fluids as a human body. Not so much like the human body, cars can't replace these fluids on their own. That's why you've always got to make sure there's enough juice in every domain to keep the car running flawlessly. Be aware that the first three fluids you'll want to check (the Big Three) also have filters that need to be examined.
● Engine Oil
● Transmission Fluid
● Gasoline
● Antifreeze/Coolant
● Radiator Coolant
● Brake Fluid
● Windshield Washer Fluid
● Power Steering Fluid
Hoses & Belts:
Much like the arteries in a human body, these connect the entire system and move the fluids around. If you've got a loose connection, you may find yourself dusting off your thumbs to hitch a ride in no time. Just make sure that everything is tightly secured, and there aren't any leaks.
At any given time, your car is touching the road through a bare square inches of rubber; if you haven't blown a tire that is. You should check to be sure that your treads aren't worn down, and that your tire pressure is adequate. The number printed on the side of the tire is the maximum that it can take, not the amount it should be inflated to. Keep your tires a little lower in winter and nearly maxed out in summer. Over Inflation could lead to a blowout. And don't forget to pack that spare tire; it could be the difference between a long, expensive tow and a short stop on your journey.
Always check the headlights, blinkers, and dash lights, but try to get the rest of the interior lights as well. Faulty lights aren't just a danger to you, they're a danger to everyone on the road. Other motorists will have a hard time seeing you and judging distance is your lights are burnt out. Not to mention you're most likely going to be pulled over for having faulty lights.
Unlike driving a tank, driving a car requires that you constantly have your eyes open for obstacles. In order to have a much easier time of this, make sure that all windows are clean, mirrors are at the right angle, and wiper blades are up to snuff. Don't be afraid to replace your blades if they're starting to wear. Make sure that there are no cracks in the windshield and that the defrost function works adequately. The first step to avoiding an accident on the road is making sure that you do everything you can to give yourself the best visibility.
Even if your brakes aren't squealing up a storm, you may want to consider having a expert conduct a thorough inspection before hitting the road. A car's braking system is a major part of avoiding accidents while on the road, and you need to be sure that it is in top condition. If your brakes are squeaking, or your brake pedal seems softer than usual, make sure to get them checked as soon as possible.
Air Filter:
Just like the human body, engines need oxygen to operate. Your car's air filter keeps dirt and other particles from entering the system along with that vital air; but with time it becomes dirty, making it less effective. Make sure to have it checked regularly, or you could be putting extra strain on your vehicle.
Sure, the more you drive, the more your battery gets charged. But if your battery has reached the end of its natural life, you may begin to have trouble starting your car. If you don't want to jumpstart your car every day, make sure to check your battery, electrical, and ignition systems regularly. Replace batteries after three years, or according to your manual.
Air Conditioning:
Unless your dream vacation is that scene from Titanic where they run through the boiler room of the ship, you probably don't want to spend it boiling in your car. While a faulty AC won't generally cause a breakdown along the side of the road, chances are you won't want to take a long summer drive without it.
Maybe your car is in top shape, but your gauges are telling you that you're about to break down anyway. The next worst thing besides having a breakdown is driving a vehicle that makes you worry that you're about to.
New Rochelle Roadside Assistance
177 East Main Street, Suite 138, New Rochelle, NY 10801
(914) 768-4600


text: Motorcycles On Ice - Xtreme International Ice Racing January 25, 2020 Doors Open: 6:30PM, Showtime: 7:30PM Location: Family Arena 2002 Arena Pkwy., Saint Charles, MO 63303 636-896-4200 Website Add to Trip Tickets $5.00-$25.00, Parking $10.00 View Gallery Back Details XIIR, pronounced "X, double I, R, (Xtreme International Ice Racing) is a Professional Racing tour… ON ICE! Man and machine going from 0-60mph in under 3 seconds! Speedway bikes and quads are modified and compete on an indoor ice arena. There are over 2000 metal studs added to the tires and there are NO BRAKES! What does that mean…? PURE ADRENALINE! It is THE fastest sport on ice and one of the fastest sports in the world. The rush of so much power and speed on something as unpredictable as ice has whipped audiences into a frenzy and gained new fans across the country. Don't be fooled by the appearance of the Speedway Bike. It's more than just a mountain bike with an engine. Its engine is equivalent to a 1200 cc crotch rocket engine in a mountain bike frame, 4-stroke, 4-valve engine that runs on nitro methanol. This allows the engine to run at a higher compression, producing more horsepower. The average car has a maximum 8,000 revs whereas an ice speedway bike has a maximum 14,000 revs. It has 1600 razor-sharp steel studs on its tires added for traction and if that's not enough – there aren't any brakes. Four laps on a speedway bike compares to 10 minutes on a motocross bike. The power (90 horsepower at the back wheel) to weight ratio (the bikes weigh only 180 pounds) is something that cannot be explained. Each rider gears his bike differently with 60 to 80 toothed sprockets, which are nearly the size of the wheel itself. Just wait until you see these machines in action! There will be a total of twenty to twenty-five races. The number of races will vary from city to city depending on how many local riders participate. Ice Racing consists of heats where riders earn points to qualify for the Main (final race) Qualifying. Heats consist of four riders racing handlebar-to-handlebar for four laps. The Main Event consists of six riders for six laps. Many ask "Why so little laps?" This is done for many reasons. Anyone that has ever ridden a speedway bike immediately understands and would never raise that question however, as a spectator it is a common question. The best way to explain: Why does a Dragster Bike only go a quarter mile instead of a mile? Answer: The engine would blow and the rider would not have enough strength and endurance to control the bike. Another reason is there simply isn't enough ice. The grip of the steel studded tires would soon hit concrete causing the bike to gain too much traction and head straight to the wall! Map What's Nearby


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Issues in Business Management and Economics
Vol.1 (4), pp. 076-088, August 2013
Article ID BM029, 013 pages
Copyright © 2014 Author(s) retain the copyright of this article. Author(s) agree that this article remain permanently open access under the terms of the Creative Commons Attribution License 3.0 International License
Original Research Paper
Social problems of tobacco marketing in southwestern Nigeria: A behavioral study
Accepted 24 July, 2013
Oluwole Iyiola
Department of Business Management, College of Business and Social Studies,Covenant University, Ota, Ogun State. Nigeria.
Author Email: firstname.lastname@example.com
Tel: +2348138344425
Tobacco industries has always shown much interest in marketing their line of products and have been very successful in portraying smoking as a socially acceptable behavior to billions of people throughout the world. Studies have shown in developed nations that tobacco marketing leads to the onset of smoking among adolescents; in Nigeria no such study has been done. The purpose of this research is to assess the potential influence of tobacco marketing on tobacco consumption and its effects on the society and among residents in the southwestern region of Nigeria. The survey was designed in which thirty-six items, self-administered questionnaire was administered to six hundred people in southwestern Nigeria using a cross-sectional design. The study involved 436 males (72.7%) and 164 females (27.3%). Of these, 336 came from rural areas and 264 came from urban areas respectively. Some 337 respondents (56.2%), indicated that they were influenced by tobacco marketing to smoke, while 263 (43.8%) indicated that they were not influenced. Chi square statistic was used to test the null hypotheses. The result shows a positive significant relationship that supports the notion that tobacco marketing has a positive influence on tobacco consumption in the study areas. This study also revealed that more males in the urban area are being influenced by tobacco marketing to smoke.
Key words: Tobacco products, advertising, consumer behavior, addiction.
Key words:


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Home > Home Office & Craft > Home Office & Craft Packages
(Details shown apply to the default selection)
Home office layout three is a great design for maximising the office space in your home without being too intrusive on your room.
The shelving fixes to the back wall ONLY and you can select the design in a number of different shelf depths to suit your requirements.
This design will suit spaces up to 6' (1.83m) wide. The design includes a 24" (61cm) wide section of desk space to the left hand side with a top shelf above. Beside this a 24" (61cm) wide section of six shelves ideal for folders, files, stationery etc. To the right is a 24" (61cm) wide section of four shelves for further storage of folders, files, discs and stationery with a freestanding drawer system below. The drawer system stands at 30" (76cm) tall x 19" (48cm) wide x 23" (58cm) deep. The drawer system comprises of one 3" (8cm) deep drawer, three 7" (18cm) deep drawers, drawer stops, floor protector caps and a plastic moulded top.
As this design uses our ShelfTrack fixing system, it enables you to select the height of your shelves and adjust them as you need to, simply by unclipping the brackets and slotting them into the most suitable position along the track.
A great system, which is heavy duty and very reliable!
This product is available to buy from Organise My Home.Use the name of this product as a reference when searching their website or speaking to a representative on the 'phone.Visit their website by clicking here to see their range of Office & Hobby shelving and accessories or call 01622 872006 for more information.
Bedroom & Wardrobe
Kitchen & Pantry
Utility Room & Laundry
Garage & Shed
Hallway & Cloakroom
Home Office & Craft
Bathroom & Linen
ClosetMaid Cubeicals
Fixed Mount System
ShelfTrack System
Frequently Asked Questions
Design Guides
Installation Instruction Sheets
Installation Videos
Assembly Information
Professional Installation


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The CWS team have worked together for many years and have a great track record of saving companies time and money.
As part of our recruitment process we offer a FREE skills test and ensure that our candidates have been fully ID and background checked prior to being put forward for any role.
We can supply candidates on a Permanent, Temporary or Contract basis, depending on what a customer requires.
Technical & Engineering
Landscaping & Maintenance
Supply Chain
CWS Recruitment prides itself on offering a professional staffing and employment service. Our Consultants are expert in their field, tailoring our service around the needs of our customers.
CWS Recruitment offers a variety of recruitment methods, which are bespoke to each industry sector we work in. We aim to use the most advanced software to give us a cutting edge and have developed 19 unique ways of sourcing candidates which enables us to provide our customers with the widest choice of workers.
For more information about the service we offer within any of our core sectors, please contact our friendly and experienced team on: 0116 242 4898


text: Would you like to crew from the port of Cagliari for an exclusive tour on a sailing boat in the crystal waters of the Gulf of Cagliari? this is your excursion. Our partner Leo professional skipper of 12 meters brand new Hanse 400e, awaits you every morning for an exclusive sailing from the port of Cagliari to the hidden coves of the Davil saddle, the Poetto beach up to Mari Pintau and Torre delle Stelle to the Marine Area of Villasimius and Capo Carbonara. The boat docks at the Maritime Station in the center of the via Roma, Cagliari city center. The standard excursion starts at 10am till 5pm, price 90 euro per person. Half day excursion 3 hours from 10 to 1 pm or from 3pm to 6pm also available. Fresh seasonal fruits and drinks included. If you want more, join our guide-sardinia private best excursion: timing, stops and programe will be decided by you. Contact us at firstname.lastname@example.com and we will tailor your tour according to your reqeusts and itinerary.


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UUA Anti-Racism Milestones
At the 1997 General Assembly, delegates voted that all levels of the Association embark on the intentional path to become anti-racist and multicultural. This vote was the culmination of a five-year process, which began, with the passage of the 1992 GA resolution for racial and cultural diversity. The Unitarian Universalist Association (UUA) has continued to seek answers to difficult questions about race, oppression, white privilege, and reconciliation and encourage our constituents to engage in this important work.
As of April 2010
- More than 210 congregations have experienced a Jubilee One workshop in the past 12 years.
- More than 5000 religious and lay leaders have participated in anti-racism events, including the Jubilee Two power analysis training.
- JUUST Change Consultants have served 35+ congregations, districts, divinity schools, and UUA staff groups, since the consultancy was introduced in July 2005.
- More than 360 congregations have participated in Beyond Categorical Thinking.
- We have 650 Welcoming Congregations.
The Office of Justice Making provided regular reports to the UUA Board of Trustees. These reports, along with the Racial Justice Statements from General Assembly, provide a recent history of the development and implementation of some of the ARAOMC projects, programs, and conferences over the last several years.
- Responsive Resolution at General Assembly—June 2006
- Statement of Conscience—2000
- Toward an Anti-Racist Unitarian Universalist Association—1997 Business Resolution
Board of Trustees Reports* and Related Documents
- October 2007 (PDF)
- April 2007 (PDF)
- October 2006 (PDF)
- April 2006 (PDF)
- January 2006 (PDF)
- Report to Anti Racism Assessment Monitoring Team (PDF)—January 2006
- Reaffirmations of the UUA Racial Imperative (PDF)—April 2005
- April 2005 (PDF)
- October 2004 (PDF)
- Report to Anti Racism Assessment Monitoring Team (PDF)—April 2004
- April 2003 (PDF)
- AR Training Approach for Elected Committee Members (PDF)—April 2003
- Discussion of AR Training for Elected Committees (PDF)—June 2002
*ARAOMC portions only of more extensive reports prepared for the UUA Board of Trustees by the Rev. Dr. Tracey Robinson-Harris for Congregational Services.
"... if we are truly committed to the creation of a society that is multicultural, multiracial, non-oppressive and diverse, we will come to know the reality of the 'beloved community and the undivided human family' experientially rather than just as an intellectual ideal.
—The Reverend William Chester McCall, III


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Annette M O'Connor
BVSc, University of Sydney, 1993
MVSc, University of Queensland, 1997
DVSc, University of Guelph, 2000
Member of Australian College of Veterinary Scientists (Epidemiology), 2003
Fellow of Australian College of Veterinary Scientists (Epidemiology), 2009
Dr O'Connor teaches primarily in the graduate curriculum. She teaches an introductory course for epidemiologists, and a course in applied logistic regression methods. Dr. O'Connor is also the Director of a Graduate Certificate in Veterinary Preventive Medicine. This 15 credit academic program is designed to be taken by distance for professionals working in livetsock health and food safety. Students who complete the certifiacte may also be able to transfer to the Masters program.
Dr. O'Connor is a veterinary epidemiologist, and she has applied the principles of that discipline to a diverse set of fields, including livestock diseases, food-borne pathogens of animal proteins and veterinary public health. The main area of focus of Dr. O'Connor's research has been to understand how researchers can use study design and research synthesis methodologies to translate primary research findings into decision support tools for agencies. Dr. O'Connor was been funded for this work by groups such as USDA, the National Pork Board and the European Union Food Safety Authority. Topic's evaluated include pre-harvest food safety interventions, post harvest interventions, zoonotic pathogens and the impact of proximity to confined animal operations on community health. This work includes understanding how standards of evidence translate from human medicine to food safety. Primarily this work has focused on how to adopt and adapt the systematic review methodology and meta-analysis used in clinical medicine to veterinary science and food safety. This area has resulted in several papers about how to review observational studies and randomized controlled trials in veterinary science and food safety. Further, this body of work has resulted in the production of the REFLECT statement (www.reflect-statement.org Reporting guidelinEs For randomized controlLed trials for livEstoCk and food safeTy.) The REFLECT statement is guide for authors, reviewers and editors on how to report intervention studies in a manner that increases their utility to end users including practitioners and risk assessors. The acronym REFLECT incorporates the aim of the reporting guideline i.e., the publication should reflect what was done.
In the area of work that relates to the epidemiology of infectious disease that affect livestock populations, Dr. O'Connors work relates primarily to 1) understanding causes of disease and 2) comparative effectiveness of interventions. Dr. O'Connor has focused on understanding the epidemiology and control of Pinkeye in beef cattle. Studies have included observational studies that evaluate the role of putative causal organism in Pinkeye and randomized field trials that evaluate the efficacy of vaccine designed to prevent Pinkeye occurrence. Consistent with the theme of increasing translation of primary research for decision makers Dr O'Connor has also co-authored several reviews evaluating the treatment and control of Pinkeye. Another organism of focus for Dr O'Connor has been the epidemiology of Salmonella in pork with emphasis on understanding pre-harvest control approaches. Dr O'Connor has worked on several primary research studies that have evaluated the methods of detecting farms with a high risk of carrying Salmonella spp. into the slaughterhouse. Again, Dr O'Connor has also co-authored several reviews evaluating the treatment and control of Salmonella in the pre-harvest environment. Dr. O'Connor also has many collaborative projects such as projects on MRSA, PCV2, and PRRS in swine, campylobacter in poultry, and brucellosis in sheep. The combined impact of this work has been to provide producers, veterinarians, government agencies and industry groups with independent advice about the efficacy of relevant interventions.
Dr. O'Connor received a Bachelor Of Veterinary Science (BVSc) from the University of Sydney in 1993, a Masters of Veterinary Science (MVSc) from the University of Queensland in 1997 and a Doctoral of Veterinary Science (DVSc) from the University of Guelph in 2001. In 2009, Dr. O'Connor was admitted as a Fellow of Epidemiology to the Australian and New Zealand College of Veterinary Scientists. Dr. O'Connor is Professor of Epidemiology at Iowa State University. Dr. O'Connor teaches epidemiology methods and inference in the Preventive Veterinary Medicine Program at Iowa State University the MPH program at the College of Public Health at the University of Iowa. Dr. O'Connor frequently teaches workshops of review methodologies or approaches to outcomes research and comparative effectiveness.
Pfizer Research Excellence Award 2008.


text: I think it is important to show our support to Stoic and their creation the banner saga. Against this trademark issue by voting with our wallets (buying and or recommending the banner saga to people to buy), creating a petition to show support for the company its product and the brand name and by us fans not making their legal battle any harder then it has to be. Thank you for your time.


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Glenorchy township offers many options for dining out, from quaint and quirky cafes to restaurants housed within The Lodge Glenorchy and The Glenorchy Hotel. There are also a couple of general stores selling food and essentials.
The even smaller hamlet of Kinloch, situated around the other side of Lake Wakatipu, a stunning thirty minute drive from Glenorchy, is where Kinloch Lodge is situated. Kinloch Lodge also has a popular quaint restaurant, open to the public for Lunch and Dinner, bookings are recommended.
There is a local community run golf course, and golf clubs are available to hire from the Glenorchy Hotel. A Community Swimming Pool is also open to the public in the summer months (December through to beginning of March). Keys to this pool can be purchased from the Glenorchy General Store.
There is a petrol station open from 9am to 5pm only, but seven days a week. This is also where the local post office is located. Remember it's a 45km drive to Queenstown (and the next petrol station), so always check your petrol gauge before you head off!
There are also a few souvenir shops, selling lovely New Zealand made artefacts and more! Some unique gifts to be purchased.
Although you can find many essential items to buy in Glenorchy, please bear in mind that the township does not have any major supermarkets or a pharmacy – so it is recommended to stock up a little in Queenstown before you drive along to Glenorchy.


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John Scott: The Movie
At this point, "who is John Scott" isn't really a hard question to answer. John Scott even trended on Twitter the night of the All-Star game and into the next day.
The former Arizona Coyote and misunderstood "goon" was jokingly voted into the NHL All-Star game and the NHL as an organization blew up about it, got him traded to the Montreal Canadiens and sent down to the AHL to keep him out of the All-Star game. This, naturally, looked bad for the NHL because it was obvious what they tried to do to the man and his family who, at the time, had two children and one more on the way.
The world came to the aid of Scott, calling out the NHL on their badly planned rouse. He eventually ended up being a captain in the All-Star game, rightfully so, and took it by force notching a pair of goals and "fighting" Patty Kane (both of whom were best friends during the game).
Finally, and ultimately what I'm talking about here, is the fact that Scott's story is good enough to be made into a movie.
This particular movie idea has come up before and Scott shot it down, but after the world saw his All-Star uniform and gear in the NHL Hall of Fame*, these movie ideas continued to make more sense. Scotts full life story is a crazy one, and his triumph over the NHL and their scheme is a story worth being told.
There aren't enough hockey movies out there, and the emotional and meaningful story of Scott's hockey career is a good plot to go with.
*I hope the movie makes the NHL and Commissioner Bettman look like the bad guys. I love hockey and I love the NHL, but how they handled Scott before the All-Star game and how they flip-flopped (only after Scott made the NHL money by being awesome) on how they portrayed him is ridiculous.
They wanted nothing to do with Scott until the huge backlash from the fan base. The NHL's PR went upside-down, and they put Scott's gear in The Hall to make it look like he was part of the plan all along.
I don't mean to bash John Scott if it seems that way. I love the guys who literally fought their way to the top and keep a positive attitude. He deserves every bit of fame after what he's been through.
I just don't like the NHL as a company right now.
Jacob Lace
Leave a Reply.


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AUSTIN, Texas (PRWEB) October 18, 2018
Drummond Group, LLC, a trusted leader in interoperability software testing, today announced it has joined the Strategic Health Information Exchange Collaborative (SHIEC) as a Strategic Business and Technology (SB&T) Partner. SHIEC is the national trade association representing health information exchanges (HIEs).
Drummond Group is a HITRUST CSF Assessor that assists HIEs to become HITRUST certified. Drummond Group has already assisted other HIEs in becoming HITRUST Certified through our unique delivery processes and tools.
"Drummond Group joined the SHIEC SB&T program on the recommendation of our HIE customers. Our HIE customers saw the value that our HITRUST services could provide to other SHIEC HIE members," said Russell Rowe, Business Unit Leader at Drummond Group.
"SHIEC is excited to have Drummond Group join the SB&T Partner program," said Kelly Hoover Thompson, CEO of SHIEC. "SB&T Partners are selected based on their ability to bring unique, value-added solutions to our HIE community members. Drummond has extensive experience assisting our members in achieving HITRUST certification. Drummond's experience in the complex information technology and regulatory environments at HIE's will be invaluable to the SHIEC membership. SHIEC looks forward to working with Drummond Group."
About Drummond Group, LLC
Drummond Group offers comprehensive compliance, security, risk management, surveillance, and education services to healthcare, financial, and other regulated industries. We bring thought leadership, expertise, practical tools, and partnership to the compliance and assessment processes for our clients. At Drummond Group, enabling you to feel secure about the ways in which you share your business's sensitive and private data is our primary goal.
To learn more about Drummond Group, visit https://drummondgroup.com/ and follow us on Twitter at @Drummond_Group.
About SHIEC
SHIEC is the national trade association of health information exchanges (HIEs) and strategic business and technology partners. As the unbiased data trustees in their communities, the 70+ member HIE organizations manage and provide for the secure digital exchange of data by medical, behavioral, and social service providers to improve the health of the communities they serve. Collectively, SHIEC members serve almost 75% of the U.S. population.
For more information about SHIEC, visit email@example.com and follow us on Twitter at @SHIEClive.
Read the full story at https://www.prweb.com/releases/drummond_group_joins_the_strategic_health_information_exchange_collaborative_partner_program/prweb15853636.htm.
|Source: PRWeb
Copyright©2018 Vocus, Inc.
All rights reserved


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Siletz News
Public Information
Siletz News, a publication of the Confederated Tribes of Siletz Indians, is published on the first of each month. It contains information on tribal programs and events, positive things in the lives of tribal members, health news from the Siletz Clinic, and details on happenings at Chinook Winds Casino Resort.
The deadline for each issue of Siletz News is the 10th of the month before, i.e., April 10 for the issue that will be published May 1. Information can be sent to: firstname.lastname@example.com.
If you're looking for an overall picture of the Siletz Tribe, this is the place to find it.
Siletz Tribal Business Corp. Update
Siletz Tribal Business Corporation Update
During the last few months, STBC conducted a thorough financial analysis of each of its business units which resulted in the decision to close down two of its operations, Northwest Maritime Industrial and Siletz Technologies. Northwest Maritime Industrial had suffered from the downturn in the economy and the risky nature of doing business "on the water". Efforts had been made to try to increase the sonar inspection part of the business to increase revenues and mitigate risk, but the analysis showed that this would not make the business profitable and the decision was made to stop operations.
Siletz Technologies was also in a phase where it needed to be subsidized to continue its operations. The financial analysis showed that Siletz Technologies needed to grow to 30 employees before it would begin generating any significant profits and would eventually have to expand to 50 to 80 people to be financially successful. The investment over the next year and a half to grow to 30 employees, along with some fairly risky factors, led to the decision to cease operations.


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There are various reasons as to why a business might need to prepare a business plan, but none more important than to focus the owners on exactly why they are in business and what they are trying to achieve.
The steps taken in starting a business will vary depending on the size and complexity of your business – from the individual who wishes to commence a window cleaning round to the group of people who wish to develop, manufacture and distribute a major product. If the business is to succeed, various questions must be asked and steps taken, no matter what the size.
Firstly, a business plan must be created. For the smallest type of business this can be achieved informally with, perhaps, little outside help. Figures Accountancy Services can help prepare the financial aspects of this business plan.
A business plan will typically include sections on:
- Brief resume of the business and its aims
- Structure and legal status of the business
- Personnel
- Product details
- Marketing plans
- Financial projections
- Finance requirements
As well as assisting with the above, Figures Accountancy Services can also provide book-keeping, tax and general business and finance advice to help with your new business.
Business plans are most often required to support a lending application to a bank from a new business. Figures Accountancy Services experience of how bank managers interpret these applications and of what criteria they are looking for will help boost your chances of making a successful application.
In addition, Figures Accountancy Services involvement in your business at such an early stage in its life will enable us to give you pro-active tax, business and finance advice, to save you money in your new venture.
Practical Examples of Business Plan Expertise
- Using our insight gained from other clients in similar businesses to assist with the detail within your business plan.
- Using our established contacts with local bank managers to understand what sort of terms they would lend finance under.
- Being a 'sounding board' to challenge the assumptions within your business plan and giving an opinion upon whether they are reasonable.
- Maintaining your book-keeping system once the business plan becomes a start-up.
Call today on 01293 773400


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How We are Using the Stellar Blockchain to Fix Customer Loyalty
"Every once in a while, a new technology, an old problem, and a big idea turn into an innovation." — Dean Kamen
Almost 70% of shoppers globally belong to a loyalty program, yet most people, although accumulating these reward and/or loyalty points, seem to hardly use them. The main reason being that they can never accumulate enough points required to exchange for a worthwhile reward and when they do, it is difficult to achieve — like a seat or class upgrade with an airline.
Many loyalty programs and coalitions have major issues with massive accumulations of points sitting on their balance sheets as liabilities. These points are viewed as money that is owed to people, sometimes this in the hundreds of millions of dollars.
Both display clear problems that are on each sides of the equation, for the consumer and the brand loyalty program.
Loyalty in many cases has become a sales tool, like a discount or sale campaign in disguise, to look like a benefit for a customer's purchases. Choice is the main driver when it comes to shopping today and people have many screens and of course windows to see merchandise Despite this, many gravitate back to where the loyalty program resides and that, in many cases, is in-store and not always online.
Onboarding consumers to a loyalty program in the digital age is a lot easier and faster than ever, but there is often a large gap between the number of programs in which shoppers are enrolled and the number in which they actively participate. Make no mistake, loyalty programs are intended to ultimately increase a retailer's share of the consumer's wallet. While two-thirds of global respondents who participate in loyalty programs (67%) somewhat, or strongly agree, that they join these programs only to get free products or discounts. The advent of digital channels opens up loyalty programs to be personalised for the consumer through the use of mobile apps, email and in-store interaction. This allows the loyalty program to be more customised for each member of the program and influence repeat purchase behaviour.
Financial rewards are the most highly-valued loyalty program benefits for members of all ages. But product discounts, cash back or rebates are rated higher by older respondents than by their younger counterparts, where personal offers and products are seen as a benefit.
Having a loyalty card or other form of loyalty identification at checkout is still required in just about all major programs. In many cases this has led to large, heavy wallets and/or loyalty card apps on our mobile phones. In 2018 this should not be the case as loyalty should seamlessly be part of the payment process.
Loyalty should be like other new technologies, simple, seamless, cross-border and rewarding. That technology is now here and its based on the Blockchain.
The Decentralized Ledger Technology (Blockchain), that is available to us today will revolutionise every industry sector on a global scale. What has taken the Internet and World Wide Web to achieve in 25 years we predict will be transformed in far less than half that time.
It will decentralize stored value, accumulated via a loyalty program or scheme, into a stored value transferable unit. This will have a clear offering to a loyalty scheme participant, but also to the organization distributing the reward units, or points, via their proprietary loyalty scheme.
Today's consumer shops via the omni-channel method, starting their path to the final purchase from a call-to-action from one of many screens, (mobile, laptop, desktop, digital billboard etc.), researching on Social media, talking with friends and of course visiting stores. Loyalty has now been reduced to the approach that a repeat purchase will equal more reward points.
Having so many brands available to the average consumer, via digital channels, means that there are hundreds of reward programs run by multiple loyalty schemes. In many cases these programs are unified in larger scheme coalitions and run by large global organisations such as airlines or payment card schemes.
After many months of evaluation, the team at RainCheck believe that the best DLT platform to build that technology on is the Stellar platform.
The Stellar project is one that has been seen as having great potential to influence the financial sector. Besides its primary focus of providing a network for faster and cheaper cross-border payments, the project is also able to hold tokenized assets and coin offerings. More voices from the crypto space believe that it will eventually become the crypto of choice for Central Banks all over the world.
Stellar is the only DLT technology that allows funds to be sent and received very quickly and almost at no cost, and that makes it a perfect network to handle a loyalty rewards system.
The team at RainCheck will build the first Blockchain solution for Loyaltybased on the Stellar protocol due for initial release later this year.


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Coastal residents, you've been warned: Hurricane season has begun.
The six-month Atlantic hurricane season begins Wednesday and continues through Nov. 30.
Federal forecasters say they expect three to six major hurricanes from an above-average storm season.
Major hurricanes are storms with top winds of 111 mph and up. No major hurricanes have made a U.S. landfall in five years, but forecasters warn that luck might not last.
Southern New England is subject to coastal flooding, widespread wind damage and widespread inland small stream and river flooding from heavy rains, according to the state Department of Emergency Management & Homeland Security.
Emergency managers urge residents to develop disaster plans and determine whether they live in evacuation zones.
"In addition to the potential of hurricanes, the summer months also bring power outages, summer heat and severe thunderstorms, having an emergency plan and a disaster supply kit in place can help residents and have the confidence to handle a number of situations" Norwalk Fire Chief Denis McCarthy said.
The state has created an emergency preparedness guide to help you prepare.
Connecticut Light & Power and the Federal Emergency Management Agency recommend preparing a "storm kit," or 'lights-out kit," and keep it handy.
FEMA recommends:
- Water - one gallon of water per person per day for at least three days for drinking and sanitation
- Food - at least a three-day supply of non-perishable food and a hand-held can opener for any canned food
- Battery-powered or hand crank radio and a weather radio with tone alert and extra batteries for both
- Flashlight and extra batteries
- First aid kit
- Prescription medication
- Whistle to signal for help
- Dust mask to help filter contaminated air, and plastic sheeting and duct tape to build a shelter-in-place
- Moist towelettes, garbage bags and plastic ties for personal sanitation
- Wrench or pliers to turn off utilities
- Local maps
- Cell phone with charger
The administrator of the Federal Emergency Management Agency also wants residents to make social media part of their disaster plans, now that FEMA posts on Twitter and the National Hurricane Center has a Facebook page.
For more on past storms, see Ryan Hanrahan's blog, Way Too Much Weather.
The National Hurricane Center has published a list of names for storms on its Web page.


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New Cars in Wisconsin
Find a new car near Wisconsin on YaSabe. Use our website to find new cars and get new car prices. You can also choose from any of the following links to help in your search for a new car.Used Cars in Wisconsin
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Levi's Money-Saving Hints and Tips
Free DeliveryThere's free delivery on your order when you spend over £49.99… so add a few extra bits to meet the minimum.
Student DiscountTake advantage of 10% off with a Levi's student discount code to use instore and online.
Check Out The Levi's SaleKeep an eye out for any Levi's end of season and mid-season sales for apparel clothing at discounted prices. You'll also be able to shop for bargains in the Levi's clearance section, which can be found in most of its high-street and outlet stores around the UK.
Levi's Discount CodesLook to our website for how to make savings with one of our Levi's voucher codes.
What Else Does Levi's Offer?
Levi's DIY Customisation section is dedicated to those who love to craft and stand out from the crowd. The section offers tutorials from one of its master tailors on how to customise your pair of Levi's jeans or denim jackets. Learn how to deconstruct your pair of Levi's jeans, make cut-offs and repair your favourite Levi's pieces.


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Description of problem:
build of rox-filer srpm updated with latest rox-filer sources fails to build as
an rpm, but builds fine by hand.
Version-Release number of selected component (if applicable):
How reproducible:
every time
Steps to Reproduce:
1. rpmbuild --rebuild rox-filer-2.5-1.src.rpm
Actual results:
rpmbuild: rpmfc.c:967: rpmfcELF: Assertion `s != ((void *)0)' failed.
Abort (core dumped)
Expected results:
normal rebuild of rpm src into a package.
Additional info:
discussion with jbj of #rpm produced the following additional information
<jbj> try adding this to your spec file
<jbj> %define _use_internal_dependency_generator 0
<jbj> that uses ldd instead of traversing the assertion failure in rpmfc.c
This was done, and new src.rpm (attached) builds fine with this define in place.
He suggested I try the following once the new rox-filer rpm was installed:
<WebDragon> $ rpm -ql rox-filer | /usr/lib/rpm/rpmdeps -R
<WebDragon> rpmdeps: rpmfc.c:967: rpmfcELF: Assertion `s != ((void *)0)' failed.
<WebDragon> Abort
<WebDragon> Same thing with -P
Created attachment 146545 [details]
src rpm with additional %define in place
I can't reproduce this with F7 anymore, I suppose it's fixed by newer elfutils,
possibly in FC6 already. FC5 is EOL anyway...


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Fall Transitions in NYTimes Style
The leaves are changing many glorious colours in Toronto, and people are starting to layer*. Here are two shots of mine on NYTimes.com/Style. *Layering is one of my favourite parts of fall.
Osheaga 2012 Street Style
I was lucky enough to photograph the crowds and festival-goers at Osheaga in Montreal for FashionMagazine.com last weekend.
Armani Collezioni at Harry Rosen
To celebrate the addition of Armani Collezioni to their store, Harry Rosen hosted an intimate cocktail on March 28, 2012. The cocktail included a performance by renowned composer Stephan Moccio.
Tommy Ton for Club Monaco Launch
Tommy Ton and Club Monaco collaborated on two unisex bags, which are being released in select Club Monaco flagships during March and April.
NY Times Street Style: Clutches
Two shots from the IDS12 (Interior Design Show) opening party were part of NYTimes.com Style weekly Street Style round-up.


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Adorable Tiger Cub Violates Carry-On Restrictions (Photos)
Image credit: TRAFFIC
When security personal at Bangkok's Suvarnabhumi International Airport scanned a woman's over-sized carry-on last Sunday, they discovered something unexpected in the x-ray: A live tiger cub.
The woman—who has not yet been linked to the UK's cat-trasher—was carrying the sedated tiger in a suitcase filled with stuffed toy tigers.
Image credit: AP Photo/Sakchai Lalit
Upon discovery, the tiger was brought to the Rescue Center of the Department of National Parks, Wildlife and Plant Conservation, where it is currently being cared for and rehabilitated. DNA samples have also been taken in an effort to determine the tiger's subspecies and, ideally, its place of origin.
Authorities hope to determine whether the tiger was captive-bred or caught in the wild.
Image credit: AP Photo/Sakchai Lalit
From a legal standpoint, however, the cub's origin doesn't matter. Tigers are categorized as an endangered species by the IUCN and the international trade of tigers, whether wild or captive-bred, is prohibited by CITES.
SLIDESHOW: 10 Animals Which Will Be Extinct Within Your Lifetime
Chris R. Shepherd, TRAFFIC Southeast Asia's Deputy Regional Director, said "we applaud all the agencies that came together to uncover this brazen smuggling attempt."
Image credit: AP Photo/Sakchai Lalit
He added, however, that:
If people are trying to smuggle live Tigers in their check-in luggage, they obviously think wildlife smuggling is something easy to get away with and do not fear reprimand...only sustained pressure on wildlife traffickers and serious penalties can change that.
Though this story, thankfully, has a happy ending, the status of tigers is no laughing matter. With only about 3,200 tigers left in the wild worldwide, smugglers and poachers pose a serious threat to the survival of the species.
Read more about tigers:
Wild Tiger Population Dropped by 96.8% in 20 Year
Fewer than 50 Wild Tigers Left in China, Says Wildlife Conservation Society
Tiger Tops WWF's List of Ten Critically Endangered Species


text: Assembling just the right things to get a good look for going to the beach is sometimes hard. So many options are abound when thinking how to show off your beach bound character. Even before reaching the beach, and baring some of your sensual skin, you gotta think about what to wear and how accessorize yourself for the trip there. So really, you will need to gather all the usual garments and a pair of shoes too. But the nails might not be something you think about, especially not right away. Be sure to treat them well too. The nails are absolutely the finishing and final touch to your beach-look wardrobe. They are as important as any other part of your outfit, maybe even more vital than most accessories. Well, we know you may want to take polish off its pedestal and leave it in the drawer at home, but we're encouraging you to have a change of heart. Just one look at these very stylish and artsy designs will likely get you excited about polishing and decorating your nails to the fullest! Don't worry about which color or pattern to pick because we got you covered here ten times over for beach-motif nail designs. For starters, there is a maritime design with a gold shield, navy blue and white and ice-cream nails for a tasty tempting treat. Get ready, get polishing and get done nicely your nails.


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If you're experiencing signs of decreased testosterone levels, testosterone-boosting supplements claim to alleviate some of the symptoms.
But do testosterone supplements work and will you get your money's worth?
Whether or not any supplement works as advertised depends on the claims being made, the ingredients included in the supplement's formula, and dosages.
In this guide, we'll walk you through it all in a step-by-step manner. We will finish it off with a quick discussion about the role food and exercise play in boosting testosterone.
Along the way, we'll include the insights of doctors with whom we spoke to verify and clarify exactly what testosterone-boosting supplements can and can't do.
What Are Some Common Ingredients Found in Testosterone Booster Supplements?
With the help of websites like the Natural Medicines Database, WebMD, and Examine.com, the HighYa team has investigated more than six-dozen testosterone supplements over the years.
Based on this extensive experience, there are several common ingredients we frequently encounter:
Ashwagandha – An ancient plant used in traditional Ayurvedic treatments for everything from arthritis to hiccups.
B-Complex Vitamins – The vitamin B family (B1, B3, B5, B6, B12) plays many important roles in the body, and has been studied for its ability—in this specific instance—for suppressing estrogen production, improving testosterone production, and maintaining serum levels.
Boron – A mineral naturally found in the environment, which can help the body process other minerals like magnesium and phosphorus. It's also been shown to increase estrogen levels in post-menopausal women, as well as healthy men.
DHEA (dehydroepiandrosterone) – functions as a precursor to testosterone. In other words, it's not testosterone, but according to these same sites, it acts as a substance that can be converted by your body into testosterone.
D-Aspartic Acid – A natural amino acid often used to increase the absorption of other minerals.
Deer Antler Velvet – This substance covers the growing bone and cartilage that eventually develops into deer antlers.
Fenugreek – Fenugreek is a plant found in most semi-arid areas of the globe, and whose seeds have traditionally been used for cooking. However, in recent years, it has been touted as a natural remedy for sexual problems such as erectile dysfunction.
Ginger – A plant often used as a spice in food, but also to help address nausea, vomiting, morning sickness, osteoarthritis, and dizziness when taken as a supplement.
Ginseng (Panax) – Asian ginseng is another plant that's been used for a very long time to address stress, improve mood, and reduce fatigue, digestive disorders, and cold and flu symptoms.
Horny Goat Weed – An herb used in traditional Chinese medicine for everything from joint pain and weakness to viral infections.
L-Arginine – Another amino acid, this time one that helps the body make proteins. Inside the body, it's turned into a chemical call nitric oxide (NO), which can also help expand blood vessels and boost circulation.
Maca – This plant, which grows at high elevation in areas of Peru, is often taken by mouth for conditions like reducing fatigue, improving fertility, improving sexual dysfunction, and relieving menopausal symptoms.
Mucuna Pruriens (Cowhage) – A bean-like plant commonly found in areas of the Caribbean that's often used as an Ayurvedic treatment for Parkinson's, anxiety, and arthritis.
Oyster Extract – Contains high levels of zinc (see below).
Saw Palmetto – A fern-like plant that produces fruit, which is then frequently used for benign prostatic hyperplasia (BPH), as well as asthma, migraines, and cough.
Selenium – A mineral naturally acquired from the environment through food—especially crab, liver, fish, poultry, and wheat—and water that's often supplemented to address heart and blood vessel issues.
Stinging Nettle – A plant commonly supplemented to treat urinary-related issues, and used as a natural diuretic.
Tongkat Ali (Longjack) – An evergreen plant found in Southeast Asia that's frequently used to make a tea consumed as a treatment for erectile dysfunction (ED), increasing libido and fertility, and reducing body fat.
Tribulus Terrestris – Tribulus terrestris is a flowering plant that grows in many parts of the world in a variety of soil types, and has been used for centuries in traditional Chinese and Ayurvedic medicine for sexual and strength-building purposes.
Vitamin K2 – A vitamin frequently taken as a supplement to treat everything from osteoporosis and bone loss to high cholesterol.
Yohimbe – An evergreen tree whose bark contains a chemical known as yohimbine, frequently used for sexual-related problems like erectile dysfunction and arousal.
Zinc – An essential trace element that's necessary for human health and often supplemented for treating the common cold, ear and upper respiratory infections, asthma, diabetes, and macular degeneration.
Now that we know what specifically which ingredients we're addressing, let's get to the good stuff—the evidence.
Are Testosterone Supplement Ingredients Clinically Supported? Yes and No
WebMD, Examine.com, and the Natural Medicines Database collectively indicate that none of these ingredients—or any other OTC ingredients—have sufficient clinical evidence that they can meaningfully boost testosterone levels or impact the hormone's function.
However, they report that a couple of these ingredients may help address symptoms often associated with low testosterone:
1,400 to 2,700 mg of Panax ginseng per day may help improve erectile dysfunction.
3mg may also help improve sexual arousal, and a cream containing the ingredient could help reduce premature ejaculation.
5g of daily l-arginine is classified as possibly effective for improving sexual function in men with ED
Doses of tongkat ali could help improve the quality and concentration of sperm in infertile men
Tribulus might also improve sperm count (no dosing information provided)
Even for those ingredients with some relevant clinical support, it's important to emphasize that they're often contained in a supplement's proprietary blend. Consumers often don't know how much of each ingredient they're actually ingesting.
Your Overall Health Can Limit the Effectiveness of a Testosterone Supplement
Dr. Elke Cooke, a functional medicine specialist based in Sacramento, told us that the biggest misconception is that higher testosterone levels gained from supplements equal a decrease in symptoms.
That's just not true, no matter what your supplement's labels or commercials say.
"Taking one supplement and not addressing lifestyle issues like stress reduction and food is not enough. You can't expect a single supplement to take care of the issues," Cooke told us during an interview. "There's no wonder drug. Supplements can increase your testosterone levels, but that doesn't always translate into improvement."
Cooke even went as far as to vouch for several ingredients listed above, noting that she recommends that some of her patients take them because they work – tongkat ali, boron, and zinc were a few she mentioned.
However, as she pointed out, there are other factors in your life that can temper the any good done by a supplement.
Dr. Greg Sommer, founder and chief scientific officer at Trak Fertility, said a man's body is all one system; everything is linked.
So, while you can take testosterone-boosting supplements that boost your T levels, a lack of sleep exercise and the presence of fat could temper the good done by your pills.
"As men get healthier and improve their overall fitness, your testosterone levels increase," Sommer said.
The common recommendation is for men to get 30 minutes of aerobic exercise five times a week.
But it's not just supplements and exercise that work in concert to boost your testosterone, he said. Your diet plays a big part in that.
"Nutrition is a big part of it – eating the right foods and maintaining a healthy weight," Sommer said. "Extra fat isn't good. Fat is an estrogen factory, it leads to man boobs and tiredness."
In other words, you could be taking the world's most effective testosterone-boosting supplement but, as that new testosterone flows through all that fat, it will be converted into estrogen and negate the work that your supplement was doing.
Here's how certified strength and conditioning specialist Myatt Murphy put it in a 2012 article for Men's Health:
"Body fat contains aromatase, an enzyme that converts testosterone into estrogens, the main sex hormones in women. Having extra estrogens floating around your system triggers your body to slow its production of testosterone. And the less testosterone you make, the more belly fat you accumulate and the more estrogens you spew."
Can Testosterone Booster Supplements Cause Side Effects?
These authoritative sites indicated that, for the most part, these ingredients likely won't cause side effects worse than mild digestive upset.
However, in some instances (no specific circumstances noted), taking more than 20mg of boron per day could harm a man's ability to father a child, DHEA could lead to acne, hair loss, and high blood pressure, and fenugreek can lower blood sugar.
The most common side effect reported for ginseng is insomnia (as is cowhage), and long-term use may be unsafe due to the ingredient's hormone-like effects.
WebMD tells us that in some instances, yohimbe "has been linked to reports of severe side effects including irregular or rapid heartbeat, kidney failure, seizure, and heart attack."
Finally, the side effects and overall safety for ashwagandha, deer velvet, and tribulus are reported as unknown.
Bottom Line: Are Testosterone Booster Supplements Effective?
While low testosterone is a common problem, the fact of the matter is that you're not guaranteed to be diagnosed with it.
In fact, some numbers report that only 35 percent of men aged 70 or older have lower levels than younger men.
According to WebMD, most men's testosterone levels range between 300 and 1,200 nanograms per deciliter (ng/dL), so if your levels fall below this range, you may be diagnosed with low testosterone.
But if you're experiencing one or more of the common side effects and the natural suggestions above aren't doing the trick, the first person you should speak with is your doctor.
They'll run the appropriate tests (such as a serum testosterone test) and then recommend science-backed treatments based on your diagnosis.
Should your treatment regimen involve over-the-counter supplements? Again, this is a question only your healthcare provider can fully answer.
But we've learned organizations like the US Preventive Services Task Force, Heart Association, the American Academy of Family Physicians, and the National Institutes of Health (to name just a few) emphasize that, unless you're deficient in the ingredients they contain, taking dietary supplements isn't necessary.
Specifically, regarding the topic at hand, the Cleveland Clinic adds, "There are currently no pills available in the United States that provide adequate levels of hormone replacement."
That being said, both Cooke and Sommer said you can increase the changes that a supplement will work by leading a healthy lifestyle that includes aerobic exercise and healthy levels of fat in the body.
» For Further Reading:
- 10 Foods That Can Affect Your Testosterone Levels
- 7 Ways to Naturally Increase Testosterone Levels
- Before Buying a Dietary Supplement, Follow These Steps to Understand Its Claims


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Some of the most difficult times in life are when you just have to watch and wait. This is the dreaded space known as Limbo. Limbo is defined by Wikipedia as, "… any status where a person or project is held up, and nothing can be done until another action happens." And that my friend is where Mr. Market finds himself again this week. As individuals we usually don't do to well with Limbo. We want to take some sort of action so that we can feel "in control". But sometimes the action of waiting is the best course of action. Other times it is recognizing when market forces are re-aligning themselves because fundamentals are shifting. Look at what is happening to the top performing stocks of 2013.
2013's Top 10 Performing S&P 500 Stocks YTD:
- Netflix (NASDAQ: NFLX) +269%
- Best Buy (NYSE: BBY) +238%
- Micron (NYSE: MU) +236%
- Delta Air (NYSE: DAL) +129%
- Pitney Bowes (NYSE: PBI) +120%
- E*TRADE Financial (NASDAQ: ETFC) +116%
- Celgene (NASDAQ: CELG) +115%
- Boston Scientific (NYSE: BSX) +109%
- Genworth Financial (NYSE: GNW) +105%
- Facebook (NASDAQ: FB) +104%
Netflix for example is down 5.41% YTD as of 4/17/2014. Best Buy is down 38% YTD as of 4/17/2014. CELG is down 16.3% YTD as of 4/17/2014. Now to be fair, not everyone on the top ten-list is down YTD. Micron and Facebook for example find themselves higher on the year as of 4/17/2014. So what does all of this mean? It means that the Market is pricing in the changes that it sees coming. As the Federal Reserve slows its bond purchases the easy money that was once a tailwind to stocks will now be only a gentle breeze. The companies themselves will have to fundamentally earn the valuations that the markets are putting on them.
Fundamental valuations have not been the most important factor in whether a stock was able to do well within the centrally planned economy that we have found ourselves in inside the United States for quite some time. One measure of fundamental valuations is to look at a stock's current price divided by its earnings. Netflix for example has a price to earnings ratio of 180%. The 15 year average for the consumer discretionary sector (where Netflix lives) is 18.2%. I think you can see by this example that the excitement for how this new service might be used by consumers and advertisers has priced this stock for perfection. And if there is any hiccup in the economy, like rising food and oil prices let's say, than this stock could be in for more trouble. But other areas of the market are in the process of forming some leadership here. So, it isn't a question of is the market crashing, but where is the leadership going to come from? New areas of the market that have been the laggards are seeming to come to life, and what you need is a strategy that can identify the opportunities and help position you to enjoy the ride.
Currently the broad market is not signaling that risk is off, just look at the price of gold. As of 4/17/2014 gold is trading below its 200 day moving average. That is not the usual occurrence when fear takes hold of the market. Just look at a time period like 2011 when everyone thought the Euro Zone was coming apart at the seams. During that time gold traded into a peak price of $1923 on September 6, 2011, and its 200 day moving average was approximately $1500.00. So, what is your strategy to identify what is going on with the broad markets, and then how do you position to take advantage of that? With each move the Mr. Market makes you need to make sure you strategy is aligned. If you need a partner to help you do that, I hope you will visit us at amjfinancial.com, and take advantage of a free strategy session.


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Evidence tells us that more diverse management teams lead not only to better results for customers, but also to the development of products and services that reflect our wider society.
We recognise that disengagement with pension savings is caused by a lack of diversity across the industry. PensionBee strives to change that. Not only do we seek to make our company more diverse, but we also seek to make pensions more accessible to a broader range of people. PensionBee is publicly committed to developing, nurturing and celebrating senior-level female talent, and helping create a more inclusive industry.
We commit to ensuring that by 2020 women will continue to make up 50% of our senior team and passionately support companies that seek to do the same.
As a female Chief Executive, I am extremely proud to commit our organisation to promoting gender equality in the UK
Romi Savova, Founder and CEO of PensionBee, is our nominated member of the senior executive team responsible and accountable for gender diversity and inclusion.
"As a female Chief Executive, I am extremely proud to commit our organisation to promoting gender equality in the UK. For far too long, pension products and services have not been representative of our diverse society. Excluding women from financial services is a social and economic failure that every organisation should strive to change!"
PensionBee is signing the HM Treasury Women in Finance Charter and pledging to promote gender diversity by:
- having one member of our senior executive team who is responsible and accountable for gender diversity and inclusion;
- setting internal targets for gender diversity in our senior management;
- publishing progress annually against these targets in reports on our website; and
- having an intention to ensure the pay of the senior executive team is linked to delivery against these internal targets on gender diversity.


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What are Interest Tax Shields?
The term "interest tax shield" refers to the reduced income taxes brought about by deductions to taxable income from a company's interest expense. For instance, there are cases where mortgages may have an interest tax shield for buyers since the mortgage interest is deductible against income. One of the main objectives of companies is to reduce their tax liability as much as possible. Interest tax shields encourage firms to finance projects with debt, since the dividends paid to equity investors are not deductible.
Valuation of the Interest Tax Shield
In the valuation of the interest tax shield, it capitalizes the value of the firm and it also limits the tax benefits of the debt. Interest expenses are considered to be tax deductible, so tax shields are very important, as firms can get benefits from the structuring of such arrangement. The interest tax shield is positive when the EBIT is greater than the interest payment. It is also important to keep in mind that the interest tax shield value is the present value of the all the interest tax shields.
Tax Shield for Individuals
Individuals can also take advantage of the tax shield. This is very useful when you want to purchase a home with a loan or a mortgage. In getting a house with a mortgage, the interest expenses are tax deductible, which means that the person can get benefits from it as it can offset against his or her taxable income. As a result, you can reduce tax liability. This is definitely a good benefit for people who want to get a home and lessen their tax liability.
It is important to understand how an interest tax shield works, as it is considered to be an essential part of the business valuation. Each country varies when it comes to the interest tax shield that individuals and business can get. In the end, the benefits depend on the cash flow and the overall tax rate of the taxpayer. Governments provide interest tax shields in order to encourage more investments for companies and firms, as well as for individuals


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Designed with ease of installation in mind, MagnaFlow's direct-fit converters are the perfect compliment to your OEM exhaust system. With no welding, cutting or bending required, you can easily add one of our direct-fit converters to your vehicle when its time to replace your original catalytic converter. Whether your original converter has gone bad or you're just looking to upgrade to something more performance oriented, MagnaFlow's direct fit converters are just right. Featuring a ribbed design and funneled inlets and outlets, each converter features a stainless steel body and heat shield and contains a flow efficient, monolithic honeycomb catalyst designed for maximum flow and surface area. Best of all, our 49-state direct-fit converters are in compliance with EPA guidelines so getting a car smog checked is a worry free task.
Needed to replace the converter on my jeep this fit great performs better then stock and a lot less money then OEM
not sure if reason for louder exhaust is cat-back by magnaflow or cat itself. sounds good on idle and mild acceleration but draws too much attention on hard acceleration.
I want to link this system to the Cat Back Exhaust System Dynomax Exhaust | Part Number: DYN17345 will this work?
Asked by walter from SC on
Walter, the MagnaFlow Exhaust Performance Exhaust Catalytic Converter will work just fine with your cat back. Hope this helps!
Answered by Zach O. ext 4939 from SC on
is this pipe 2.25 in or 2.5 in leaving the converter?
Asked by md from on
Hello! The Magnaflow Performance Exhaust Catalytic Converter outlet size is 2.25" inches leaving the converter. Thanks!
Answered by Bob H from on
Hi, A prior post indicates that this does not fit the 2.5 engine. Has this been corrected? Thanks.
Asked by Verboten from on
This Catalytic converter will not fit with the 2.5L engine. But this one will work with your 1997-99 TJ Wrangler. http://jo.my/4-cylinder_catalytic_converter Please let us know if you have any further questions. Thanks!
Answered by Jamey P. from on
"Quality. Power. Sound." is the slogan that MagnaFlow uses to describe its premium products for 4x4s. The company began over 30 years ago as an offshoot of Car Sound Exhaust systems and their parts and accessories include direct-fit converters and cat-back systems to universal mufflers and builder's kits for fabricating custom systems. MagnaFlow blends unsurpassed quality and performance with security sound without skimping on the style that off-roaders look for in parts. As a market leader and ISO-9001 certified company, MagnaFlow Exhaust systems are for off-roading, motorsports and daily driving. Shop MagnaFlow Exhaust Now


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The incredibly stylish Annabel Hodin has become something of an icon in the fashion world. She's worked on major advertising campaigns for top magazines and styling true A-list celebrities. Her knowledge of what's hot from designer labels and on the highstreet is legendary.
Annabel's eye for style and attention to detail is second to none, whether creating costume for feature films, editorial shoots or major commercials. She has a long list of high flying professional clients and is an often quoted expert sought by the media for style guidance and dressing for success advice.