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Registering a Copyright Online
Step 1
Go to the Copyright Office website. Click on "eCO Login." Enter your Copyright Office user ID on the user login screen. If you are not already a registered user, there is no cost for registering.
Step 2
Click on "Register a New Claim," then click on "Start Registration." Click "Type of Work," and specify the title and type of work being registered, and whether it is currently published. In the "Author" link, click on "New," and enter your name (or pseudonym) as the author of the work.
Step 3
Click on "New" in the "Claimant" link, and enter the required information. At the "Limitations of Claim" link, disclose any part of your poster that is based on work that is not owned by you, including proprietary fonts and images. You must get permission to use any protected font types and images in your poster. Contact the International Typeface Corp. for questions about licensing fonts and Creative Commons for questions about image rights.
Step 4
Enter the contact details for anyone seeking your permission to use part of your poster at the "Rights & Permissions" link,. Next, click on the "Correspondent" link, and give the information for the person that the Copyright Office staff may contact with any questions about your registration application. At the "Mail Certificate" link, complete the name and address of the person to whom the registration certificate should be sent.
Step 5
Click the "Special Handling" link if you would like your registration to be given a higher priority by the Copyright Office. After clicking the "Certification" link, verify that you are the creator of the poster and that everything you filled out in the application was correct to the best of your knowledge.
Step 6
Double-check the registration information after clicking on "Review Submission." If there are no changes, click "Add to Cart," and complete the payment details. The current online registration fee is $35. Deposit two copies of your poster with the Copyright Office within three months of the publication date. The address for depositing your poster with the Copyright Office is: Library of Congress, Copyright Office, Attn: 407 Deposits, 101 Independence Avenue SE, Washington, DC 20559-6600.
Apply by Mail
Step 1
Complete section 1 of Form CO by indicating the type of work that is being registered. Section 2 (author) and section 3 (claimant) both require identification information and contact information. Any limitation of your copyright claim, if the work on your poster is not entirely owned by you, must be detailed in section 4.
Step 2
Fill in the rights and permissions contact information in section 5. The correspondence contact for any questions about the registration application by Copyright Office staff should be completed in section 6. In section 7, the contact to whom the copyright registration certificate should be mailed must be named. In section 8 you must certify that all the information in the application is correct.
Step 3
Send the completed Form CO, along with the filing fee and two copies of your poster for deposit as directed in the Form CO instructions.


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Online Consultation
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Kitchen and Bath Remodeling
Hire a license contractor
Get all permits and city inspections
Design concept
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Onsite supervision
Purchase furniture
Final installation
Imagine moving, relocating, or buying a second home and not worry about the remodeling process, construction or decorating your new place. At Interiors by Maite Granda we take care of all your needs and you move into a home that fully functional, well designed and unique as per your lifestyle.
Our team can have your new home ready within two weeks if its just furnishing and decorating to several months if the project involve remodeling and construction. Our goal is to offer you all the details of luxury living that goes from scents candles and orchids to dinnerware, kitchenware, fine china, linens, towels, soaps, artwork, electronics, and much more. Turnkey means that your home will be ready to move in.

subset: commoncrawl


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Vaes Dothrak
Vaes Dothrak (roughly translated to "City of Riders") is the only permanent city held by the Dothraki people. It is a vast, sprawling settlement, with no walls, and no clear borders. Upon visiting it for the first time, Daenerys Targaryen comments that it seems to be at least ten times as large as Pentos.
At the very least, it is big enough to hold every Dothraki khalasar at the same time. However, the city is mostly uninhabited, as the Dothraki are a nomadic people.
The only permanent residents of Vaes Dothrak are slaves and the "dosh khaleen," the widows of deceased khals.
Vaes Dothrak is located northeast of the Dothraki Sea, and beneath the Mother of Mountains, an extremely holy site to the Dothraki. It borders a lake known as the Womb of the World, from the which the Dothraki believe the first man emerged, riding atop the first horse.
Outside of the city are two massive bronze statues of stallions, towering over a hundred feet high. Their hooves form a rough archway, and together they are often referred to as the "Horse Gate" (although no true "gate" to the city exists, as there are no walls).
In the center of the city is the "godsway," a wide, grassy road that runs in a straight line between the Horse Gate and the Mother of Mountains. Lining this path are hundreds of statues and relics from the religions of people conquered by the Dothraki.
Inside Vaes Dothrak, long, meandering streets are paved in grass and mud. The buildings themselves were all brought to the city from lands that the Dothraki had conquered, leading to an eclectic mix of stone pavilions, pyramids, wooden structures, and woven grass houses.
Customs and Traditions[edit]
Despite the generally violent culture of the Dothraki people, it is forbidden to shed a free man's blood inside of Vaes Dothrak. Additionally, people are not even allowed to draw a blade while inside of the city, under penalty of death.
There are, however, ways around this law. For example, Viserys Targaryen was killed by Khal Drogo while they were in Vaes Dothrak.
Khal Drogo killed him without breaking the sacred rules, as he did not shed blood and he did not carry a weapon. Instead he poured molten gold on Viserys' head to kill him.
The Dosh Khaleen[edit]
When the husband of a khaleesi dies, she is sent to live in Vaes Dothrak. Although they are never allowed to leave the city again, they hold a distinguished position in the Dothraki culture.
They are often believed to have prophetic powers, and are consulted for their wisdom in times of need. Additionally, khals must present their prospective brides to the dosh khaleen for their approval, before they can be married.
As such, the dosh khaleen can be considered as sort of the religious leaders of the Dothraki people, and their will is law within the confines of Vaes Dothrak.
Trade and Commerce[edit]
The city also hosts two large marketplaces, colloquially known as the Western Market and the Eastern Market.
At the Western Market, one can find traders from the Free Cities, while the Eastern Market is visited by those from the far-east regions of Asshai, Yi Ti, and the Shadow Lands.
The Dothraki themselves do not use currency however, and thus, do not participate in the markets of their own city. Instead, foreign traders are allowed into the city to do business after giving a traditional offering of salt, silver, and seed to the dosh khaleen.


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Sands $3,500 Spring Showers Slot Tournament
April 14 - April 15
Join us for the $3,500 Spring Showers Slot tournament April 14th and 15th.
$40 Buy-In includes 2 slot tournament rounds.
First Round: Saturday April 14th 9-11AM-
FREE Continental breakfast served during session to participants
Second Round: Saturday April 14th 1PM-3PM
FINAL Round: Sunday April 15th 10AM –
( Top 35 will proceed to the FINAL Round along with 5 Wild Card winners)
Free Continental Breakfast will be served during session to participants.
Top 40 Place will take away CASH or E-CASH Prizes
1st Place $1,500 CASH
2nd Place $ 750 CASH
3rd Place $ 400 CASH
Call Erica at 1-800-233-4939 ext 2295 or Stop by The Guest Service Center for more information


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The definition of beauty has changed drastically over the time. In 19th century Persia, the Western beauty standards were not dominant. So of course, they had beauty standards of their own. The more masculine a woman was, the more beautiful she was considered. The opposite was also true for men.
Now, feast your eyes on princess Zahra Khanom Tadj es-Saltaneh (1883 – 1936) who was considered the ultimate symbol of beauty in Persia during the early 1900s. So much in fact, a total of 13 young men killed themselves because she rejected their love.
If you liked this article, join with a Like reader community on our Facebook page.


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The Sunrise Weekender is a journal just for your enjoyment. Inside you will find pieces of my heart that fell off of my sleeve, a genuine hello and if you could sit at my table a nice refreshing beverage awaiting you. So welcome to my online home, I am glad you could make it to our weekend chat.
Two Things That I Have Learned This Week
Procrastination is a lack of discipline. Discipline comes from within thus, often termed self-discipline. If we long to have things turned into action we must propel ourselves forward crushing procrastination and producing results. This has been working with every area of my life but it never occurred to me that procrastination is NOT a permanent character flaw.
I know it seems obvious, but many times I have heard others laugh and say, " I am a huge procrastinator, It's who I am. It is okay though, I work better under pressure. "
First of all, my hand is raised because I am guilty of this as well. Secondly, procrastination is not something to be proud of because it not only reveals deep flaws in our character as laziness, but it could hurt others involved that are committed to doing their part. The other reason why procrastination is wrong is that it causes undue stress for us to get the job, errand, or project done. Stress is never good.
I have had to use store wheelchairs from time to time depending on how bad my episodes are. I look healthy, except for the nervous system trembling and people give me the meanest, disgusting looks.
It was hard today as I shopped with my family but on the bright side, there were some very nice courteous people that moved out of the way, let me by or offered to grab something for me. I will focus on the nice folks because they definitely make my world go round. I need a t-shirt that says,"Disabled on the inside, I would trade my body for yours any day."
Two Random Tips For You
Frugal and Healthy Tip: I learned this one from Money Smart Family is to wash all of your produce with 1 cup of white vinegar to 1 gallon of water. This will clean all of the bacteria off of your produce and make it last longer.
Beauty Tip: I know that the lotion isle can be a bit overwhelming so I will let you in on my favorite. It is a bit pricey at $10.89 US Dollars for body lotion BUT it is amazing. a little bit goes far and it is never greasy. It is Cetaphil, recommended by dermatologists and works amazing, I am not sponsored just wanted to help you out!
Quote Of The Week
2 Timothy 1:7 King James Version (KJV) BibleGateway.com
7 For God hath not given us the spirit of fear; but of power, and of love, and of a sound mind
A Mini Challenge
If you know of someone that is struggling, show up with a hot meal and a hug. All you have to say is, "you are not alone in this storm".
If it is a new baby, let them know you are so happy for them and know they are tired so you made them a meal. Somehow, food and a smile with a few words of comfort go a lot further than just a phone call.
May Your Weekend Be Blessed!


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Add Convenience, Security and Assistance for an additional Door or Gate with the Doorbell Fon Door Station. This Door Telephone intercom allows users to answer a door or gate from any telephone in the home or business. It installs on the same pair of wires as the DP28 Kit for power, signalling, control and voice. Distinctive Ring.
Doorbell Fon is a registered trademark of ACNC
Diagram With DoorBell Fon Only:
View Diagram in Browser
Diagram With DoorBell Fon & Door Release:
View Diagram in Browser


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Astio – VF Herringbone Damascus
We are excited to showcase some forged Herringbone Damascus from our good friends at Vegas Forge! Jesse custom made us some bars that had a slightly bolder pattern which accentuates the contrast between the light and dark patterns. We decided that our Herringbone Pearl Carbon Fiber would be a perfect fit to accent these VF Damascus bolsters. Many people have asked us to make a 3.5″ blade and we are happy to finally provide. This fluted RWL-34 blade has been hand-ground and given a choice of three stunning different blade finishes. Jewel iced DLC pocket clip and back-spacer complete the look. Made at our California Custom Group facility in Petaluma, CA and Comes with Begg Knives certificate of authenticity.
Blade: RWL-34
Inlay: VF Herringbone Damascus Bolster/ Herringbone Pearl CF Handle
Frame: Titanium – Hand Satin Finished
Titanium Bolt On Lock w/ Engin Turned Scallop
Ceramic IKBS and Detent
Jewel Ice Titanium 3D Machined Pocket Clip
Jewel Ice Titanium Back Spacer w/ Polished Jimping
Blade Length: 3.5"
Overall Length: 8.25
Weight: 5 oz
Blade Thickness: .150
These are made to order. Could take 4-6 weeks before delivery depending on where you fall in the Queue.
Video below showcases the satin bevel/mirror tip blade
Additional information
|Blade Finish
Directional Hand Satin Bevel/Mirror Tip, Directional Hand Satin Bevel/Satin Tip, Mirror Bevel/Mirror Tip
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Hidden Lake Academy did open its doors back in 1994. Very soon it became one of the most well-known therapeutic boarding schools in Georgia.
They opened a wilderness program which they used for evaluation of coming boarding school students. Maybe too many were "diagnosed" as suiting for the regime the school wanted to use in order to treat the students.
It didn't take many years before the first complaints became public. After the internet became widespread it was no longer possible to keep former unsatisfied students from communicating with each other.
Lawsuits were in the making. Change of staff and management over the time did not improve the situation. The rather isolated environment which the school had established itself in made it rather difficult to attract employees with the right type of education. Sometime the employees who had to deal with the students on daily basis were only just out of high school.
Were there power trips executed by the employees? According to various testimonies it was very often the case. Inexperienced and uneducated staff given too much power in such an environment is an explosive combination no management should allow but what does the management do when the shareholders demand profit?
As result suicide or suicide attempts is an all too common thing happening to the alumni's.
The news station FOX5 did cover the last months of the timeline up to the closure. 10 to 15 years too late after many opinions. It is not a pretty sight.
What do the future hold for the local community in now where one of their larger workplaces is closing down? It doesn't look good. All too many group homes and therapeutic boarding schools are establishing themselves out in the countryside where they force the local communities to become dependent of them.
Was there something overlooked by the local authorities due to this marriage of pure need between the school and the local authorities? Did the political establishment and law-enforcing agencies try to play some of their more extreme occurrences at the school down in order to save jobs for the local community?
Many things indicate that it was the case.
And when it comes to cover-ups in scandals in group homes, foster care families and therapeutic boarding schools it is rather common. Even as far away as in Denmark we have learned that local teachers and other locals did complain about violence at a foster care family in the Danish hamlet named Mern. 20 years some knew that something was very, very wrong. Reports were made and they were lost - by whom? The police investigation by the local police is not targeted at other than the accused parents. None want to investigate such a cover-up. Everybody knows that thousand of DKK exchange hands between social services, foster care families and group homes.
- Should Denmark be anything different than Pennsylvania known for the Kids-for-Cash scandal?
- Should Denmark be anything different that just the next educational consultant which are paid both by parents to find the best treatment for their child and the various schools and programs for sending the child to their school?
It would be naive to believe so!
But back in Georgia everybody are now waiting to see whether the closure is the end of 17 years of suffering among teenagers or it will be the start of a new chapter under a different name.
Only the future will tell.
Hidden Lake Academy on Fornits Wiki
I-Team: Ridge Creek School, Fox 5 news, July 8, 2011
I-Team: Ridge Creek School Closes, Fox 5 news, August 1, 2011
Children abused for 20 years, by Jes Højen Nielsen, Denmarks Radio, August 1, 2011


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Swedish Oi! band Oldfashioned Ideas are streaming their newest album Another Side To Every Story.
You can give it a listen below. If you like what you hear, the band is offering the whole album as a pay what you want download.
Another Side To Every Story was released on July 28th, 2016 via Contra Records.


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Pop-punk veterans Simple Plan have announced a US tour to celebrate the 15 year anniversary of their album "No Pads, No Helmets… Just Balls." You can find dates and locations below.
For the tour Simple Plan will be playing the entire "No Pads, No Helmets… Just Balls" album as well as an extended setlist. Florida pop-punks Set It Off and Canadian pop-punks Seaway will be supporting Simple Plan for the entire tour.


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The term photojournalistic wedding photography refers to the style whereby we, the wedding photographer, operate similar to a photojournalist, behaving as an unobtrusive observer, capturing the moments spontaneously as they happen, but not influencing the action. We shoot photojournalistic wedding photography in Ft Lauderdale on a regular basis as well as shooting fun, creative and traditional.
And while photojournalistic wedding photography has become very popular over the years, the majority of brides and grooms still do request that we take a combination of formal traditional wedding photography as well as the spontaneous photojournalistic style images.
Photojournalistic wedding photography is so much more than just snapping pictures. It is about capturing moments with elegance so as to tell a story. It is about artistic composition, using available lighting, and it is especially about being ever vigilant to ensure the perfect timing. Our photojournalistic images adorn the walls of many fine homes in South Florida.
Call Adept Wedding Photography in Fort Lauderdale today, toll free at (800) 816-2693 or at (954) 351-8884 to discuss your wedding day and the style of photography that is appropriate for your wedding!


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S: The Adventures of Flat Jacob
FC: The Adventures of Flat Jacob
1: Jacob - Thanks for letting me share in the adventures of the flat you! What a fun month! I LOVE YOU!! Love, Kimmer
2: One of Jaker's first adventures was a trip to the U of M track clinic with Triton athletes and coaches. He wanted to try the hurdles just like his mom!!
3: He Joined the Triton T | He joined the Triton Track coaching staff and helped coach athletes to school record performances!
4: Kimmer is a science teacher, so Jaker spent time helping her finish molecular biology lab work for her students | He used micropipettes and separated DNA with gel electrophoresis!
5: He helped with grading and computer work too... and insisted that Kimmer stop working sometimes to play :)
6: Good Curling! | April 1-2, 2011
7: Jacob and Kimmer went to Two Harbors for a Bonspiel. Jacob liked learning a new sport. The rocks were really heavy (and one slid over his leg - OUCH!) but he got pretty good and pushing and riding the 45 pound rocks!!
8: Jaker and Kimmer spent the bonspiel weekend at John and BJ's house. They explored animal skulls and skins, and spent lots of time watching the guppies swimming in the aquarium!
9: John and BJ live in Finland, in Northeast Minnesota. Jaker is pointing to it on the map!
10: We watched birds and stacked wood for the fire. | Jaker tried on an antler too!
11: The snow was all gone in Rochester, but the North Shore was still a winter wonderland. And it even snowed a few more inches while we were there!!
12: Before leaving the North Shore, we stopped at Wolf Ridge, Kimmer's home away from home, to do some exploring. Jaker met the peregrine falcon and a stuffed wolf. Then he went rock climbing - and even belayed Kimmer as she climbed!
13: Then he collected some sap from a maple tree to make maple syrup. Finally, just before it was time to head back to southern Minnesota, he joined the Wolf Ridge staff!!
14: At the Bonspiel, Jaker met 4-day old Oliver. The real Jaker was this little when Kimmer first met him!!
15: On the way home, we stopped at Black Beach on Lake Superior. Superior is one of the biggest lakes in the world by surface area, and has 3 quadrillion gallons of water in it!! It was pretty windy, so Kimmer had to hold on tight so he didn't fly away!
16: We spent LOTS of time on the bus - from Dodge Center to Walker, MN | On the road again....
17: We spent the weekend at Chase on the Lake in Walker, MN for the state student council conference. | The hotel had a bowling alley, so Jaker tried out bowling, and even kept score for us!
18: Flat Jaker headed to Ali Al Salem Air Base in Southwest Asia to spend some time with one of Kimmer's friends that is in the Air Force! | He waited in the back of the C-130 Hercules aircraft in the cargo compartment for the army passengers to board the plane.
19: After helping with the pre-flight checklists and making sure the plane was ready to fly, he got strapped into the pilot's seat for the night flight in support of Operation New Dawn. | He flew from Ali Al Salem Air Base in Southwest Asia to Joint Base Balad Air Base in Iraq!!! | He flew from Ali Al Salem Air Base in Southwest Asia to Joint Air Base Balad Air Base in Iraq!!!
20: Jaker did a great job flying the C-130!! There were LOTS of controls that he had to learn about!
21: The entire flight crew was glad Flat Jaker came along for the mission!
22: A DAY AT THE DRAKE RELAYS!! | Saturday, April 30 we went down to Des Moines, Iowa for the Drake relays. What a GREAT day!! Jaker saw high jumpers jump 7 feet, 7 inches!! He also saw some of the fastest runners in the world compete on the blue oval. During lunch, we tried to reach the world record high jump height (8 feet, 0.5 inches) - together, we could ALMOST reach it!! WOW!!
24: When not on the go, Kimmer really likes relaxing in the sauna. Jaker loved it too!!
25: Wow! What a wonderful (and BUSY) month with Flat Jaker!! I LOVED having him with me, and I think I'm going to miss him now that he's going back to school! Time with Flat Jaker is wrapping up, but I look forward to lots of adventures with the real Jaker in the years to come! I LOVE YOU JACOB!!! Love, Kimmer


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Tuesday, April 28, 2009
Sales Forecasting Spring 2009, Part 1
Sure, we have our own opinions but first we thought we would extend the question to our peers. Here's what they had so say:
Lauren Dimet Waters
Second City Style
I think we are going to see some amazing sales again this spring. Will it be like Christmas? No. But it will be close. Many stores are already offering 40% off spring merch which usually goes on sale Memorial Day ... a clear sign stores are hurting. I think by Memorial Day we will see giant clearances.
While I think many stores (especially department stores) did a better job of controlling merchandise, I still think they are going to find themselves with a lot of inventory. Who are really going to be hurt? The high-end luxury retailers, the free standing stores like YSL and Micheal Kors.
Women are still going to want some new stuff, but they are going to wait for killer prices before they shop.
Tina Craig
Bag Snob
Sales are definitely earlier this year. In fact, this weekend I was asked to a private pre-shop event for spring 55% off at Neiman Marcus.
Cheryl Maday
Cheryl Shops
I don't think the sales will be as quick and as steeply discounted as fall, since the retailers have had a few months to tailor their buys and their stock levels to the current economic climate--the retailers are much better prepared this season.
That said, no one is shopping at the moment, except during Friends & Family and other such events that the stores have been using to test the waters. (And I don't blame them--once you've shopped at 80% off, it's hard to go back to full price.) I have a feeling we'll be seeing events like this for another few weeks, and once Mother's Day comes and goes, the stores will go to 40% off. It's just a matter of who marks down first; since they have nothing to lose (i.e. their vendors are already ticked off because of last fall). My money is on Saks.
4 comments:
For sure waiting for sales! I'm dying for the Prada tote with the strange ikot like print but refuse to pay $2,000 for it since it's a total one season bag.
Bergdorfs seems to still be very well stocked and I think we are going to see a bigger sale sooner. I still don't expect to be seeing 80% off but a 40% starting looks possible.
Saks you never know with, they have been running small sales and always have a sale rack but I have been told that most of the stock it out.
Prada is always dead so I'm expecting big mark downs from them and a good selection. I have been to all the stores recently during peek times and no one is there. Service in the 5th ave store was even more inferior than usual. 57th service is always amazing as is Madison. I was snubbed by a guy in the Soho store and finally I found someone else who then seemed to be insulted that I asked to try a pair of shoes on.
Gucci sale is always worth checking out because you never know when something from the classic line with go 40% off.
Last time I was in Barneys it was pretty dead too.
Chanel did not up prices this season so I'm not expecting much from them.
Scoop all over the city is dead and that is probably because there is nothing worth buying in the stores. Their days have to be numbered.
- April 28, 2009 at 11:33 PM
Well Saks have already sent out their "Shhh 2 day big spring sale" coming up, which is giving us hopes of that Saks crazy pre Xmas sale they had - any thoughts?
- April 29, 2009 at 8:55 AM
i dont think so.. if they did that again they would probably risk having shareholder tell the board that apoison pill from carlos slim is a viable option.
i think the shoppers here need to realize that the stores have wisened up and know clients mentality has changed..they wait for sale now.. to counter that they have better control of their inventory.. expect less sales going forward and less items at the store. gone are the days of 50 pairs of loubs in a size 7 at saks..now they order 10. if a customer really wants it then too bad they learn to buy it when its there full price
- April 29, 2009 at 9:49 AM
- abby said...
I was in Saks tonight. The shoe floor was empty and I was trying on a pair of CL sandals. After I tried them on, I asked if the sale was starting soon (hoping I could come back for a price adjustment) and she told me definitely not. But they were just seasonal shoes, not classics, so I would think they're going to go on sale soon. I think she was just giving me a hard time :(
- April 29, 2009 at 9:37 PM


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In December, Daniel Suarez got a phone call that changed his life for the better. Daniel learned that he was promoted to No. 19 Cup Series Racer!
Read more to find out what life changing call Daniel Suarez after just winning the Xfinity Series championship…
Per Daniel Suarez, the Xfinity Series champion was getting a promotion, because the spot was currently occupied until now.
This week, the driver of the No. 19 Toyota in the Monster Energy NASCAR Cup Series, Carl Edwards announced his departure. Edwards held a news conference to announce he was stepping away from full-time racing.
Now that Edwards has told the world he was leaving racing, Daniel Suarez can speak about his 40-minute call from ARRIS, the sponsor of the No. 19 Toyota in the Monster Energy NASCAR Cup Series.
The 25-year-old racer said:
"When I came back, Silvia and her parents, they were asking me what was going on because I came back with a smile like this. So, they were asking me what was going on. Well, really I wasn't able to say anything, so I didn't say anything."
As for Suarez, he will make his Cup Series debut in the 59th annual Daytona 500 on Feb. 26.
The three-time Xfinity winner, Daniel Suarez said Wednesday:
"It was just an amazing moment. I wasn't expecting that at all. I was actually already working with [Xfinity crew chief] Scott [Graves] and the amazing team that I had in 2016 in Xfinity to be ready to open 2017 the same way that we closed in '16, winning races. And then this came out."
He added:
I'm "very happy for this opportunity. It's something that we really were waiting for. It came a little bit sooner than what we were expecting, but I think we are ready, and we're ready to go, and we are ready to start learning about everything and ready to perform well."
In regards to the 19 team, Suarez will work the same team Edwards had last year. Dave Rogers will continue to serve as the crew chief for the team and said nothing will change on that front.
Rogers is eager to work with Daniel Suarez, saying:
"I had heard of Daniel Suarez, and I love this sport, so I pay attention to what's going on. Daniel was going to run an ARCA race (a few years ago,) and so I watched it – he'll probably be mad at me one day for saying this – I watched him make mistakes. I watched him sit in a really good car and make mistakes, and I'm like, 'Wow, that kids got some talent. He's gifted, but he's young.'"
He concluded:
"I think this is going to be a lot of fun working with someone as motivated as Daniel. I was joking with Carl – Carl's one of my best friends, love him to death, we'll be best friends forever – but I told him, 'Hey, you know what Carl, if you won we'd have the whole state of Missouri cheering us. We're going to have a whole country (Mexico) cheering us when Daniel wins!' So, this is a lot of fun."
Congrats to Daniel Suarez on his new racing gig. ¡Gana el gran Daniel Suárez!


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Pay for Meals
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You can help us provide a means for our community to efficiently and compassionately care for our aging neighbors. At the heart of this community solution are more than 2,000 volunteers who keep the wheels turning throughout Wake County. Serving up friendship and nutrition in both senior dining rooms and through deliveries directly to seniors' homes, Meals on Wheels is improving the health and reducing the isolation of our senior neighbors.
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You can help our seniors with your donation.
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Green Hill Arts
Type:Arts Centre
Newton Abbot
Tel: 01647 440775
Green Hill is Dartmoor's leading dedicated Art Gallery and Shop.
Based in Moretonhampstead and one of Devon's most prominent Art Galleries, Green Hill is attracting the attention of some of the most respected South West Artists. Names such as Peter Randall-Page, Susan Derges, and Peter Stiles have become synonymous with Green Hill over the last four years having exhibited in the Gallery's large attractive contemporary space, and supported the Gallery's developing programme.
The Art Shop offers space for artists to exhibit and sell their work from paintings, prints and ceramics through to textiles, wood and ironwork.Within this imaginatively converted former Primary School there are studio and creative workspaces for hire, mixed use offices, a Youth Centre and Heritage Archive.
Map & Directions
Opening Times
* Tues - Sat 10am to 4pm


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I find it unbelievable that Christmas is so close. How did that happen?
This morning I went to the gym despite having a sore lower back. I tried to walk on the treadmill and that was not good; so I swapped to the stationary bike. I managed to do about 30 minutes of cardio which was a fairly poor effort. Mind you I was trying to talk myself out of working out at all so even 30 minutes is better than none.
I am not on track to hit my Christmas target. I feel angry at myself and my lack of planning/discipline. However, I am not going to give up. I have 8 weeks and I can make those 8 weeks count. I can 'choose' to lose 8kg or 16kg. I am going to aim for 16kg! This means sorting my eating out and committing to exercise.
How will I do it?
- Plan my meals and increase my vegetable and fruit intake
- Remember to take food out of the freezer before work
- Stop eating pasta for a while (this is my weakness)
- Reducing my portion sizes (I even disgusted myself at the amount of pasta I ate yesterday)
- Aim for lower G.I. food to keep my blood sugar stable
- No takeaways
- Drink less coffee and more herbal tea
- Have less salt
- Drink less coffee and more herbal tea
- Have less salt
- More sleep
- Get out of bed when the alarm goes off and drag my butt to the gym
- Do 20-30 minutes of exercise when I get home after work
- Start doing yoga or Pilates
- Build my core strength
- Read the two health and fitness books I have in my bedside drawer for inspiration and motivation
- Buy a pair of new shoes
At the end of the day I know what to do I just need to stop talking about it and 'just do it'.


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My mind swelled up with some weird feeling as I found a packet with my name—"Educatrium / Ji Yun." It could have been joy, excitement, nervousness, exhaustion, or all of the above. One thing I knew for sure was that despite my 19-hour flight and my day that was ongoing for its 27th hour, I was happy. I was in Shanghai, the second biggest city in China, a city that is full with beautiful memories, beautiful views, and—now I know—beautiful people.
My boss lead me straight to the office, not to the apartment. To be honest, I was pretty self-conscious at first. My hair was all oily, my face was dry, and most of all, I didn't know what was going on. My co-workers, however, all looked very professional and seemed to know exactly what they are doing. If I were them, I would avoid getting near me ;) Despite my worries, however, they cordially welcomed me and patiently taught me whatever I needed or wanted to know. As I was standing in the glass-wall room what they called "Think Tank," half-listening and half-"tiring", I could feel my tense gage go down. I told myself, "ok, I can do this."
Now, I have been here for six days. The city still treats me as a foreigner, but to me, Shanghai does not feel as foreign anymore. In fact, this city has been a place of new adventures and inner growth. I am truly happy to be here, in Shanghai, with my soon-to-be-friends co-workers.
Over the next few days, I roamed around the foreign city, using my broken (almost non-existent) Chinese, trying new Chinese food, taking pictures, and watching a circus. There was always that awkward moment when Shanghainese people speak freely to me in Chinese—because I look Chinese—and then be startled as I just return a blank expression. But they soon understand that I am Korean and kindly try to explain with body language. Oh, and don't forget, my co-workers have been kind enough to translate anything that I need in Chinese—to the best of their ability.
Jiyun attends Dartmouth College. She enjoys playing video games, learning new languages, and reading "Romance of the Three Kingdoms." In fact, on average she has read 1 novel per week over the course of the last decade. That's over 520 books!


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One of the best reasons for paying for a purchase with a credit card instead of a debit card or cash is the power it gives you to dispute charges. If there is a problem with a purchase you've charged — you were billed the wrong amount or you didn't get what you ordered — all it takes is a simple letter, phone call or perhaps even a few clicks online to launch an investigation.
When you dispute a credit card charge, you initiate something called a "chargeback." It works like this:
You spot a problem on your credit card statement. Maybe you don't recognize a charge, you've been billed twice for the same item, or there was a problem with something you bought using your credit card. You dispute it with your card issuer.
Your card issuer (called the "issuer" in industry parlance) sends the chargeback notice to the merchant's bank or processor (called the "acquirer"). The acquirer may be able to resolve it there if there is clearly an error, but most likely it will forward the dispute to the merchant.
The acquirer forwards the chargeback to the merchant, either by snail mail or electronically. The merchant either accepts it or tries to challenge it by providing additional information that is transmitted back to the acquirer (this is called "representing" it). The acquirer will either accept the chargeback or forward it to the issuer.
The issuer ultimately makes most decisions about whether to credit the customer's account or challenge the chargeback request, and most disputes are resolved in the consumer's favor. If it can't be resolved satisfactorily at this point, Visa or MasterCard (which aren't issuers, but write the rules that their participating banks and merchants must follow) may get involved but by and large the process takes place without their direct involvement.
Finally, you, the cardholder, get notified of the resolution with a permanent credit to your account, a clarification of the charge, or an explanation of why your request for a credit has been denied.
How Chargebacks Affect Businesses
Ultimately chargebacks cost merchants in several ways. They may be charged a chargeback fee, which usually ranges from $5 to $15 but could go much higher. "Chargeback fees vary, depending on the status the merchant enjoys with the acquirer" says Dennis Wood, CEO of Chargeback.com, a firm that helps merchants try to resolve chargebacks. If there is a fee, however, he notes that "the merchant will pay a fee regardless of whether they are right or not."
The cost of customer service in these cases can also be significantly higher than if the customer just called the seller directly. Why? Chargebacks are a hassle. "I liken the process to doing taxes for merchants. It's three to five pages of documents that they have to assemble every time, and there's a very specific format they have to follow," says Wood. He says each one takes a merchant, on average, about one and a half to two hours to process.
Plus, in a direct interaction, it can be a lot easier for the merchant to figure out what the problem is, and to find out what can be done to resolve it to the customer's satisfaction.
In addition, if a particular seller gets lots of chargebacks their fees may go up, some of their credit card sales proceeds may be held up for a period or time to make sure they have adequate funds to cover new chargeback requests, and in the worst-case scenario, their ability to accept credit cards will be revoked.
There can be shady merchants, of course, and that's why paying with a credit card is so much safer than debit cards or cash. But there can also be consumers who use this tool to game the system. They'll buy goods online to either use or resell, and then claim they never received the item in order to get a refund.
Request too many chargebacks, though, and you can be flagged in systems that identify consumers who are trying to defraud or abuse the system. You may then find you have to jump through more hoops to make purchases online in the future.
Are You Entitled to a Chargeback?
The right to dispute a credit card charge is based in federal consumer protection law. It's called the Fair Credit Billing Act. Under that law, you have up to 60 days from the date the statement on which the charge appeared was mailed to you to challenge a charge. In addition, all credit companies give consumers up to six months to initiate a dispute.
Fraud is the top reason consumers contest charges on their statements, and there are measures merchants can take to help ensure that the person placing the order is the cardholder. But another big reason, says Wood, is customer service. "A high (level of) customer service availability is the best way to prevent chargebacks," says Wood. "Cardholders are charging it back because they aren't confident they can get the customer service they want."
A recent survey from the Arizona State University's W.P. Carey School of Business found that 56 million American households experienced at least one customer problem during the past 12 months, and that rate is on the increase.
Just this month I discovered a merchant double-billed me for a $14.45 purchase. I could have easily pressed a button on my online credit card statement to dispute the charge, but in doing so I would have added another layer of cost and complexity for the merchant. I chose to call them instead. It's a bit more work for me, but I knew that if I initiated a dispute through my card company, it could wind up costing them as much — or more — than they made on my purchase.
Of course, if they were unwilling to rectify their their mistake, you bet I'd initiate a chargeback.
I've got the power.
Image: iStock


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At its core social media is not about technology, it's about story-telling — or perhaps more accurately "story-sharing" — and the key to good story telling is to achieve emotional impact.
Take for example social media created using Google Street View images. Google Street View (GSV) cars have been canvassing the roads of more than 30 countries fitted with 15 directional cameras that capture 360 degree panoramas. GSV is integrated into Google Maps so you've probably used it to eyeball a mapped destination or check out famous landmarks.
GSV is not without it's controversies and detractors. Privacy advocates lambasted the company in 2010 when it was discovered that GSV vehicles were collecting data from unencrypted Wi-Fi networks. There is also concern that GSV cameras catch people in potentially embarrassing or private actions (see also Top 28 Google Street View Sightings).
Privacy issues notwithstanding, a few visionary artists have managed to harness what is essentially a neutered, high-tech mapping device, to create social media content with incredible emotional impact.
Director Tom Jenkins used GSV and simple stop-motion animation "Address is Approximate" to create a whimsical and inspiring story of a desk toy's road trip to the West Coast. The one-man three-minute production is packed with enough imagination and emotion to garner 1.5 million views and counting.
My other favorite GSV mashup came last year as part of the debut of my favorite indie band's new album, The Suburbs by Arcade Fire.
Arcade Fire partnered with director Chris Milk and Google to create a deeply personal interactive video experience called The Wilderness Downtown.
Using the single "We Used To Wait" and HTML5 coding in Google's Chrome browser, the video experience starts by asking the viewer to enter their childhood address. The screen then splits into multiple windows producing images from the user's childhood geography creating a suprisingly nostalgic and emotional journey.
If, like me, you ever pounded the rain-soaked pavement of your neighborhood streets in a fit of teenage angst, you will find this video particularly evocative.
H/T to Mashable for rounding up the top 5 Artistic Uses of Google Street View.


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SmartStart lets you remote start, lock and unlock your car with the push of a button on your smartphone.
The easy-to-use graphical interface gives you control over the following features of your compatible Autostart-installed remote start or security with remote start system:
You can also control multiple vehicles - great for families! - and assign more than one user to control a vehicle. It's easy with SmartStart!


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Refer to travel.state.gov for information regarding safety and security on your international travel.
If you need further assistance, please contact us at 888-558-6654.
10/17/2017 5:51:19 AM Central Standard Time
The DOT and FAA have implemented a travel ban on the Samsung Galaxy Note 7.
Customers who own or possess a Samsung Galaxy Note 7 device may not transport the device on their person, in carryon baggage, checked baggage or cargo on flights to, from or within the United States.


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Jessica L'Esperance
VP UX Design, HUGE
Jessica L'Esperance is VP, User Experience at Huge, a full-service digital agency, where she specializes in developing large commerce and content sites. Through research, strategy and UX, Jessica makes large brand sites reach broader audiences and creates new communication platforms for clients like Twitter, American Express, Four Seasons, Reuters, The City of New York, Rue La La, and American University.
Prior to joining Huge, Jessica was a wordsmith, working as an editor for magazines and websites including Travelocity and France Today. Jessica has a BA in History from the University of Oregon and an MS in Information Science from the University of Michigan.
Previously (1):
Visual Design
In this 8-week part-time or 1-week accelerated course, students learn the tools, theory, and practical techniques needed to create visually stunning designs.


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"A tattoo is a true poetic creation, and is always more than meets the eye. As a tattoo is grounded on living skin, so its essence emotes a poignancy unique to the mortal human condition."
-V. Vale and Andrea Juno, Modern Primitives
Hey Cracking Spines fans!
For all of you out there who are inked and inspired (or wannabe inked and inspired) my friend Collin Jordan is a great up and coming tattoo artist known as Cruise Ink and he's based out of Clockwork Studios in Gainesville, FL. His unique style is a blend of traditional meets modern whimsy and he's definitely a rising star to keep your eye on. I know where I'll be the next time I'm in Florida. Collect your own original Jordan before it's too late!


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Last weekend was the 80-something Oscars and, well I'm a bit of a sucker for following the movies award season. I don't usually watch any of the shows but I read about it voraciously. This year was interesting for me; right as some of my favourite actors looked set to win, I had to give in to something I had long suspected but tried not pay attention to: the Oscars are often not about the year's best movies so much as the "campaign" . I've heard of campaigning to sway the votes of the 6000-strong academy, but I didn't realise how hard-core and expected it is.
I read a great New York Times feature "The Red Carpet Campaign" that brought this realisation home (I highly recommend it if you have an interest in silly things like Hollywood awards). Turns out that awards campaigning is all about stories (another thing I love). I learned that there are a number of narratives that get used every year. For films there's The Movie That Speaks to This Moment (this year filled by recession-themed Up in the Air), The Chance to Make History (this year's Hurt Locker), The Big Gamble That Paid Off (Jame's Cameron's specialty) and the well-worn Little Movie that Could (last year's winner Slumdog Millionaire and, before that, Little Miss Sunshine and Juno). For actors and directors there's The Kid With a Future, The Comeback and the particularly bulletproof It's Time. That last one's reserved for those who have "paid their dues" or been nominated loads of time without winning. That was Sean Penn who, criminally beat out Lost in Translation's Bill Murray in 2003, it was Kate Winslet last year and it was Jeff "The Dude" Bridges this year.
There's another narrative that wasn't mentioned in the feature but that I've always suspected: This May Never Happen Again. I think this one is reserved for actors who are hugely successful but haven't garnered any or many nominations. So when they do get nominated the Academy pounces on an opportunity that may never present itself again – to Oscar mint a big-deal star. The most heinous example of This May Never Happen Again was Gwyneth Paltrow's '99 win for Shakespeare in Love. It was a fun movie, great even, but Gwyneth Paltrow was certainly not the best actress in the movie, let alone of the year. That year a bone fide future star, Cate Blanchett, should totally have won for her amazing performance in Elizabeth. There was Julia Roberts' win for an OK performance in Erin Brokovich. She was nominated (twice I think) early in her career but then nothing… for yeeaars. "She may never be nominated again! And she's a real Hollywood legend. This may never happen again!". Sandra Bullock ran a self deprecating campaign constantly insisting it was Meryl Streep's Time (it has been over 20 years since she last won). As much as I loved Sandra Bullock in high school and excited at the idea of winning her the Oscar no-one ever imagined she would win, I got the feeling her win was another This may never happen again (Disclaimer: I have yet to watch The Blind Side, so I may change my mind). The NY Times feature thinks it was a Who'da thunk it story, after all Bullock has famously never been one to seek out awards.
Two award reactions really struck me this year. Mo'nique winning an Oscar was something I would never ever have imagined happening. The only movie I've ever seen of hers is Phat Girlz which was some scary shiz, I'm pretty sure Luisa and I couldn't even finish watching it. Anyways, Monique took a lot of heat from the media for skipping out on some award season events (she was working on her talk show). I love that when she did win she thanked the Academy for opting to vote for performance over politics and then in her press room interview told reporters off for writing articles encouraging voters to "teach her lesson" for daring to not schmooze by the campaign rules:
"… I'm sure some of you are sitting in this room right now — some reporters wrote, 'Someone needs to teach Mo'Nique a lesson. Someone needs to tell her how this game is played.' And I am very proud to be part of an Academy that says, 'We will not play that game. We will judge her on her performance and not on how many dinners she attended and how many pictures she took. It's on the screen."
Then there was Kathryn Bigelow, first women to win Best Director. While everyone focused on the fact that she was a woman she said she hoped that one day people wouldn't feel the need to specify:
"I'd love to just think of myself as a filmmaker, and I long for the day when a modifier can be a moot point."
And to end off on something more low-brow – the whisperings about the "Best Actress Ocsar Curse" (cue spooky music). Apparently many Best Actress winners experience a bust-up in their personal relationships "shortly" after winning. And with Kate Winslet and Sam Mendes announcing their divorce almost exactly a year after she won last year, the curse has gained publicity again:
Over the past 12 years, eight of the best-actress champs busted up with their lovers after winning: Kate Winslet (won for 2008), Reese Witherspoon (2005), Hilary Swank (1999, 2005), Charlize Theron (2003), Halle Berry (2001), Julia Roberts (2000), Gwyneth Paltrow (1998), Helen Hunt (1997). Five of the splits occurred less than a year after their Oscar triumphs (Winslet from hubby Mendes, Witherspoon from hubby Ryan Phillippe, Swank from hubby Chad Lowe, Paltrow from boyfriend Ben Affleck, Roberts from boyfriend Benjamin Bratt). Berry's break-up with Eric Benet occurred 18 months after winning; Hunt split with Hank Azaria less than two years later.
The evidence is kind of compelling but we are dealing with a biased sample of people (Hollywood people) who have ridiculously high rates of breakups as it is. But then, THEN news started surfacing about trouble in Sandra Bullock's marriage to Jesse James less than a week after she won the Oscar for The Blind Side. A seemingly odd match (she is America's comedic sweetheart and he is a tattooed, hog building, hard-core stunt man and blue collar hero) they've emerged as pretty solid, fun and awesome pairing. And he was so sweetly by her side all awards season long as she gushed over him in acceptance speeches saying things like her work got better when she met him because she had never known what it was like to have someone have a her back and he was all teary while she gave her Oscar's speech *sigh*. First Sandra B pulled out the London premier of The Blind Side, which is a rather big deal, citing mysterious "unforeseen personal reasons". At the same time that a trashy gossip rag publishes claims of Jesse J's infidelity with a scary tattooed lady *while* Sandra B was shooting The Blind Side. Next Sandra B has moved out of their home and is nowhere to be found while he has issued a vague public apology. This was not the romantic ending I think America had in mind for Sandra Bullock who has been one of the public's best liked stars for a good 15 years now. It sucks that there are so many recent gushy quotes from both about their marriage and step children. Boo, and Ouch. All this basically a week after her winning the Oscar – ok it is a little creepy!
Tags: "Best Actress Oscar" curse "New York Times" "Kathryn Bigelow", "kate Winslet" "Sam Mendes" feminist campaign performance, Academy Awards, best actress curse, best actress oscar, bill murray, cate blanchett, curse, gwyneth paltrow, Jesse G. James, Moni'que, New York Times, Oscars, Sandra Bullock, scandal, sean penn, winner


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If you have any lingering thoughts on what Amir Bar Lev might think about Jerry Garcia after watching "Long Strange Trip," you need to put on your headset or insert your earbuds and listen to this episode of Sit Down with Alfred and Chris. In it, he discusses all of the different ways that Jerry Garcia was the exact opposite of Donald Trump, calling him "the anti-Trump." It's really too bad Jerry's not around anymore.
In the pod, they also talk about how Jerry was a man of humility. It's a great discussion worth listening to if you have some time and want to think about the process behind "Long Strange Trip," the person who made it and the Dead in general. If you listen to the pod be sure to share your thoughts about it in the chat below.
Do you know of any other great podcasts that discuss the Grateful Dead that have been made recently? If so be sure to share them in the chat, too.
Photo courtesy of Wikipedia
Not just the Anti-Trump in his humility
Interesting. This is a thought that lately I've had a no. of times, too. Jerry was the Anti-Trump in soooo many ways. Humble. Playful. Played so well with others (listened to them, responded, shared the song or jam). A rebel of optimism and humor, not of control and destruction. Such a big heart, you can hear it in his interviews and his music, whereas Trump's heart (at least in the public domain) is obviously pretty much like a dried-up lima bean. Jerry was about the craft of making art, and Trump about the art of simply branding, bragging, bullshitting, and bullying.
Jerry was generous- so many stories of his helping out others with hardly a thought for himself. I can think of so many others who weren't and aren't.


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Last night, even though it was basically the same as it always is, was a rather interesting sex session. I was surprised when he said that he was willing in the first place, because he had been complaining all day that he was exhausted and sore. So, being the nice girlfriend that I am, I grabbed the moisturizer and gave him a stellar massage – starting with his back and working my way down to his ass and his legs.
After the massage, he wanted to watch porn. At first, I was kind of upset by it, because if we started watching porn we'd be up half the night doing that before actualy getting down to anything. Luckily, he picked one that hardly held our interest for longer than 5 minutes and soon after we were jumping right into action.
I was much quieter last night than I have been in a really long time, so that was the first interesting change. No idea why I was quieter, but I was and it worked for me. The thing that was most interesting to me was that, on the scale of sexual encounters and their level of greatness, this one started out pretty badly. No rhythm, couldn't get comfortable in our usual position without modifying it, a little bit awkward from the both of us in the beginning.
Sometimes, I really hate having the uncoordinated sex and other times, it just gets me more excited. Last night was definitely a more excited night. He's really gotten into the concept of me cumming when he's still having sex with me. I don't think he can actually tell that I'm orgasming, but he insists on me "cumming on his cock". It makes it a little trickier, especially when we're in missionary, but it definitely feels really good when it happens.
Then, my absolute favorite and most memorable part of the night was when he said, "If you're a good girl and cum on my cock, I'll be a bad boy and cum in your pussy!". It still just makes me shiver with extreme delight. First of all, I love it when he calls me a good girl or mentions me being a good girl during sex. I don't know why this particular choosing of words gets to me as much as it does, but there is nothing he could say that can bring me closer to orgasm,than those two words. Secondly, that bad boy part…. mmmm!!!
Now that he's gotten so into this "cumming on his cock" thing, I've had to get tricky with the way that I rub my clit during sex. I hate the feeling of my left hand, which pulls my clit nice and taut so my right hand can do it's thing, against his stomach when he's on top. I'm so worried that my bony knuckles will hurt him and then it becomes distracting from the pleasure I want to be feeling. So I have to figure out how to get my clit pulled back and stay there during his thrusting, while my right hand does it's usual thing. He has gotten really good at backing off and letting me get set up and then thrusting mostly with his hips, so that he can keep right up against my clit. It still takes me longer than usual to orgasm though.
Within what seemed like just a few seconds after adjusting for me to play, I was cumming very hard and moments later, before I was even done my orgasm, he was cumming as well. I love the way he pulls me close to him while he's orgasming and I love that he won't move off of me until he's sure we're both done. We fell right to sleep as soon as we were done. He rolled his way and I cuddled into him nice and tight and he drifted right off to sleep.
I, however, was up for another two hours tossing and turning in bed, which seems to be becoming very common for me. Especially since it's warmer and he throws heat like crazy in his sleep. Once I did fall asleep though, it was probably one of the deepest sleeps I've experienced in forever and being that he was an hour late for work this morning, it was probably a deep sleep for him too. I love when the sex that we have, tuckers us out enough that we have really great sleeps that night. It makes it that much more worth it!
I probably won't get sex again for another 3 or 4 days – hard to say. He's become really attentive to my need for sex and while I don't get it all the time that I want it (because than I'd be getting it ALL THE TIME!), he's definitely stepping up his game and giving it to me more often. I imagine though, the next session won't be until his next days off. In the meantime, I'll just keep reliving the good girl/bad boy part of the night 😉


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With Enrol's advanced search tool, you can tailor your search results directly to you. All you need to do is input your subject or vocation of choice, and where you'd like to study it. Our search tool crawls a database of over 1,000 courses to find you the most relevant matches.
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Belief in success key to decision to seek financial adviceBy Andrew Rickard | December 08 2015 11:51AM
Researchers at York University in Toronto have found that people who believe they can succeed are more likely to seek out the help of a professional financial advisor.
It is not surprising that people with more wealth and income are more inclined to see an advisor, but how much of a role does financial stress play in the decision? In Self-Efficacy, Financial Stress, and the Decision to Seek Professional Financial Planning Help, authors Jodi Letkiewicz, Chris Robinson, Dale Domian, and Natallia Uborceva found that stress alone is not enough to prompt someone to see an advisor. Instead, it is self-efficacy (i.e., the belief in one's own ability to succeed) that is a consistent and strong predictor of help-seeking behavior.
The research, which was funded by the Financial Planning Foundation, looked at data from a three-year longitudinal study of almost 15,000 Canadians and found that the more overall confidence a person has in their ability to undertake and successfully complete an activity like financial planning, the more likely it is that they will take action.
Financial stress without a belief in the ability to succeed actually tended to decrease the likelihood that someone would see an advisor. However, if individuals do have confidence in their ability to succeed, the study found that they will be even more likely to seek help when they are experiencing elevated levels of financial stress.
The authors suggest that the way people experience and interpret emotional states can determine self-efficacy beliefs; those who are extremely nervous or anxious tend to doubt themselves and may have little confidence in their ability to succeed.
"Constructive feedback is important to building and maintaining a sense of self-efficacy," concludes the study. "This is important for financial advisors to keep in mind when working with clients and for public workers dealing with a financially illiterate population."


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Generation 7 Toyota Celica ICEbox, stealth style custom fit subwoofer and amplifier enclosures. Space saving, safe, lightweight, great sound!Click image for details.
The aim of Custom ICE is to provide you the client with outstanding audio, video and security solutions to your vehicle.
This site aims only to be a gateway to the setup you need. If youre after something particular, get in touch as its the only way we can work together.
Installed in a manner specified by you, the end user of our systems.
For example you tell us, I have two kids, and we use the car to travel on long journeys across Europe on holiday, so we need entertainment and screens in the back! But they like different things
We advise a dual zone setup from a Sat-Nav Headunit allowing the front to do the navigation and the back can have a DVD, coupled with games console, video and audio input switching for the rear screens, and headphones!Solution reached!
Dont be fooled that were all about sensible solutions, we do the mad and loud stuff too! You need a full on fibreglass speaker builds in the doors and a huge sub and amp build in the boot. Leave it with us and youll get it.


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Luis Louro - Fotolia
Reader/CHIME survey reveals 12 ICD-10 delay surprises
SearchHealthIT survey results show varied responses, and measures the financial impact of delaying ICD-10 until 2015.
As varied as one can imagine the providers in the U.S. healthcare system, so is the impact of Congress's forcing CMS to levy an ICD-10 delay. While some welcome the extra time, others find Congress's gambit onerous in cost and inconvenience, according to survey results conducted over six weeks in July and August.
The SearchHealthIT reader survey, in cooperation with the College of Healthcare Information Management Executives (CHIME) drew 326 responses, 269 of them were IT workers at healthcare providers as well as 57 more from payers and accountable care organizations.
Some of the surprises may catch even seasoned ICD-10 experts and observers off-guard, as they reveal a healthcare system quite divided over the implementation of the diagnostic coding language:
1. More than 59% of respondents indicated they have not begun testing.
2. Of that 59%, more than three quarters have not yet completed software upgrades on their networks to support ICD-10.
3. The good news: 11% of respondents indicate they're ready for ICD-10.
4. The ICD-10 delay will incur additional consultant retainer costs for 41% of respondents, which will take away resources from other health IT implementation initiatives because there was no budget for such cost runovers.
5. How much will that cost? While 10% of respondents indicated less than $10,000, 45% said more. Gauging the final tally won't happen until much later, as another 45% couldn't yet estimate what the delay will add up to in dollars.
6. Respondents are divided on whether the ICD-10 helps or hurts. Some 37% said it would help, 23% said it will worsen preparedness efforts and a full 40% said it will neither help nor hurt.
7. Similarly, 55% said the ICD-10 delay won't allow for IT staff to implement more IT systems for better documentation, coding, etc. But 45% will.
8. For the 45% that indicated it will help them implement ICD-10 more thoroughly, half said clinical documentation systems would be improved, and half said they would be able to conduct more sophisticated ICD-10 testing.
9. Happy about the delay? Then you're with the majority of respondents -- but it's not a landslide by any means (56%-44%).
10. Two-thirds indicated the ICD-10 delay will not negatively affect meaningful use stage 2 attestation.
11. However, 31% said they will consider skipping a year of stage 2 incentives to make ICD-10 work, because there aren't enough resources to accomplish both.
12. Respondents were split 52%-48% as to whether or not they believe ICD-10 will be further delayed beyond 2015. The "yes it will be delayed again" camp squeaked out a slim majority.
Let us know what you think about the story; email Don Fluckinger, news director or contact @DonFluckinger on Twitter.
Next Steps
Reaction to initial ICD-10 delay reports
Healthcare CIO discusses interoperability, ICD-10
Delay could be used to test ICD-10 readiness


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John P. Saylor Trail
|John P. Saylor Trail
|17 mi (27 km)
|Gallitzin State Forest, Pennsylvania, United States
Babcock Picnic Area,
Windber, Pennsylvania
|Highest point
|2,580 ft (790 m)
|Lowest point
|2,180 ft (660 m)
|Hiking details
|Trail difficulty
|Year round
Severe weather
Poison ivy
The John P. Saylor Trail is a predominantly flat double-loop trail located on the edge of the Allegheny Plateau, southeast of the town of Windber in Somerset County, Pennsylvania. This trail is named after Congressman John P. Saylor, who represented Pennsylvania from 1949 to 1973. He was a conservationist with a deep concern for the environment. While in Congress, Saylor sponsored the National Scenic Trails Act and supported national wilderness preservation.
The northern loop of the John P. Saylor Trail is approximately 12 miles (19 km) in length and the southern loop is about 5 miles (8.0 km) long. The entire trail is a little over 17 miles (27 km) long and can be hiked in a single day, but more typically done in two days. There is a shelter erected on the southern loop that permits camping for an overnight backpack trip.
In the spring the trail is very wet with many springs and streams leading to marshy areas. On parts of the trail there is well preserved evidence of the former railroad grades. The trail crosses Clear Shade Creek by a narrow suspension bridge into the Clear Shade Wild Area, where the southern Middle Ridge Loop is located.
As with most long distance trails in Pennsylvania, the John P. Saylor Trail is blazed with orange. Side and connecting trails, such as the Bog and Boulder Trail or the Fisherman's Path, are blazed yellow. Cross-country skiing trails are blazed blue.
The entry point for the trail is in Gallitzin State Forest, at the Babcock Picnic Area on Pennsylvania Route 56. During winter months the picnic area is closed and trail head parking can be found along Route 56 a short distance from the entrance to the picnic area. Located within the picnic area is a signboard indicating the start of the trail. From here the hiker can go either left or right on the John P. Saylor Trail, traveling in either a clockwise or counter-clockwise direction, and eventually return to this spot if the entire loop is completed. An optional parking area is located at the northern end of Shade Road, just off route PA56. Shade Road is closed from the middle of December until mid-March but this parking area is located adjacent to the gated road and accessible year round.
Points of interest
There are no vistas on this trail but there are various points of interest to be observed. These include the scenic but heavily vandalized Wolf Rocks, bog viewing from an elevated platform on the Bog and Boulder Trail, remnants of a splash dam from the logging era, large meadows formed by beaver activity, the swinging suspension bridge over Clear Shade Creek, and the Adirondack shelter.
External links
- Pennsylvania DCNR website about the John P. Saylor Trail
- Description of several hikes on the John P. Saylor Trail
- John P. Saylor Trail Guidebook and Map
- Virtual Hike on the John P. Saylor Trail


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No. The M.A. price and Shipping Cost you put into the product details of your product do not affect your analytics. These two pieces of information are currently not wired into anything and are purely for organizational purposes within your company.
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Welcome to the Colorado AR-15 Shooters Club Discussion Forums.
Originally Posted by CavSct1983
Howdy. Was just out your way on Sunday.
Know any good spots for turkey hunting? If so please PM me.
I sent you a pm not to sure if I did it right but yeah I know some spots
Originally Posted by fly boy
2 characters
this is CAKE TOWNNNN
For those interested in the drone pic I posted in the "Post A Picture" forum...
I've been wanting a drone for a long time. I got the Karma with Hero6 camera even though there are some nice drones out there with some features the Karma doesn't have (like obstacle avoidance) in that price range. But no other brand comes close to offering the cool accessories and mounts and such that GoPro does.
The Karma bundle I got includes the drone, GoPro Hero6 camera, really
Updated 12-02-2017 at 21:40 by Bailey Guns
It's no secret that my wife and I moved from Colorado to Idaho last year. Apparently a lot of you are thinking of moving, too. I've had several forum members contact me regarding my moving experience, how I like Idaho and for other information related to the move. That's why I wanted to detail some of what we went through in hopes in might help some of you that are thinking about it but don't know where to start. I know it's long...read only if you care to but keep in mind these are our experiences...yours
Originally Posted by Irving
Originally Posted by roberth
You're probably being rhetorical....but.....
The ends justify the means.
The government stands down while officers are killed, then the government tells the sheeple that the government needs to take away some liberties in order to provide better security, then the government repeats the cycle resulting in an erosion of individual liberty.
What did the federal government do in Ferguson? The government didn't investigate the perps, they investigated the


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HCM CITY (VNS) — Voters in District 1 and 3 in HCM City expressed hope that the National Assembly will be productive in its operations, including supervising executive agencies during the NA's new tenure.
During their meeting with President Truong Tan Sang in HCM City yesterday, voters suggested decreasing the number of part-time deputies in the new administration, reasoning that a majority of the would-be deputies have yet to work wholeheartedly as people's representatives, due to overwhelming managerial duties.
Future deputies should also conduct more fact-finding tours to see how voters live and to grasp their wishes and needs, the voters emphasised.
Voters also suggested that drafting laws should be undertaken by independent agencies, rather than being drafted by ministries and sectors anymore, so that laws are not affected by special interests.
The voters also expressed their concerns about the severe ongoing drought wreaking havoc on production and people's lives in the Cuu Long (Mekong) Delta, citing a need to re-plan the agricultural irrigation system.
Voters also showed their joy at positive changes initiated in parts of HCM City, following the establishment of a hotline to deal with people's information on social affairs. And they asked municipal authorities to be proactive in discovering and addressing social problems.
President Sang appreciated the voters' thoughtful and constructive suggestions. He said that voter-provided information on wrongdoing was helping the Party and State address weaknesses in policies and implementation.
He said that he expected HCM City's voters to select competent deputies to represent them in the new administration, as well as to continue to raise problems which voters face.
President Sang also pledged to continue addressing existing problems energetically. — VNS


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The Access to Justice community in New York is deeply divided over the issue of mandatory reporting of pro bono hours and financial contributions. As part of New York's Unified Court System's commitment to enhancing access to justice, our Rules of Professional Conduct now require mandatory reporting of hours of pro bono legal services to the poor and financial contributions to programs providing legal services to the poor. Members of the Bar who have long worked together to promote access to justice find themselves in deep disagreement over the new Rule. Why this family dispute?
Many attorneys chafe at what they consider to be the "authoritarian" way in which the Rule was issued. Others say that it is a privilege to practice law and that privileges are often regulated, this one by the Courts. Members of my extended family agree that only 20% of the legal needs of the poor are met by legal services providers. For some, the justice gap – the gap between the need for justice and the resources available to do justice — supports an appreciation that mandatory reporting of pro bono hours and financial contributions may well foster an increase in resources for closing the justice gap and meeting the legal needs of the poor. If so, perhaps mandatory reporting serves a legitimate purpose? Others believe that even if it is true that resources to close the justice gap will increase due to mandatory reporting, the ends do not justify the means. Many fear that mandatory reporting of pro bono is just the first step to mandatory pro bono itself.
Of all the issues that divide my family deepest, it is the question of disclosure. Privacy with respect to charitable donations is important to me too. My big city friends tell me that it was the prospect of disclosure that prompted some of their colleagues to look around for a pro bono opportunity or a charitable organization to receive their financial donation. Is this not exactly the result access to justice advocates want – a flowering of pro bono service and financial support? A narrowing of the justice gap?
Spirited debate in New York's family of attorneys has prompted a study of voluntary and mandatory reporting of pro bono hours and financial contributions from around the country. The study may delineate a broad menu of successful practices from around the country that could offer respite to our family. Maybe on-line, anonymous mandatory reporting? Data collection by our voluntary bar association, rather than the Court? An agreement to disclose only aggregate data? Perhaps aggregating data on a geographic basis so that local pro bono and legal services providers can plan programming to close the gap? And the report may illustrate that mandatory reporting of pro bono hours serves to quash any further discussion of mandatory pro bono.
Many on either side of the divide argue that the bar should not be in such disagreement with the Court. At a moment like this a biological family might turn to a gifted mediator or trusted advisor. I hope that New York's Access to Justice leaders will come back from the precipice to creatively consider how we can more forward together to close the gap between the need for legal services for the poor and the resources available.
Lillian M. Moy is Executive Director of the Legal Aid Society of Northeastern New York and a member of the ABA's Standing Committee on Pro Bono and Public Service.


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When my mom's Meyer lemon tree was overflowing with glowing yellow citrus, I found myself the lucky recipient of a giant bag on my doorstep. I started researching all the delectable ways these lemons could be incorporated into recipes. It was an experiment that yielded beautiful cocktails and desserts, and one gorgeous roasted chicken.
What makes Meyer lemons so special? 'Lisbon' and 'Eureka' lemons grow year-round and are most likely the lemons you select whenever you reach for them in the grocery store. The Meyer lemon, named after Frank N. Meyer who discovered it in Asia in 1908, is a cross between a lemon and a mandarin. The Meyer lemon is less acidic and sweeter with a more fragrant smelling rind. The Meyer lemon is seasonal, available mainly from December through May (Costco had bags of Meyer lemons this year, which I just noticed).
Obsessed with Limoncello from my first trip to Italy, I decided to use the Meyer lemons to first make my own Meyer Lemon Limoncello. I let my peels infuse for a month and the result was delicious.
This Christmas, I plan on making Limoncello again with the Meyer lemons and giving homemade bottles as gifts during the holidays. There is so much you can do with the packaging and suggesting different ways to drink, cook and bake with Limoncello. If you want to try this recipe, any lemons will do, but take advantage of the Meyer variety if you have time.
11-12 Meyer lemons, washed and dried
1 750-ml bottle vodka (80-to-100 proof)
2 cups sugar
2, 1 quart Mason jars
Small funnel
Decorative/Sealable bottle(s) of your choice
Peel the lemons with a vegetable peeler being careful to avoid the pith. Divide the lemon peels equally between your two, 1-Quart Mason jars. Fill each jar to the top with vodka and seal.
Place the Mason jars in a dark, cool spot and let the vodka infuse anywhere from one week to four weeks. *The longer you infuse the vodka the more lemon flavor you will get out of your Limoncello.
Once you are ready, place your collander/strainer over a measuring cup that is large enough to hold at least two cups but preferably four. Strain the infused vodka through the collander/strainer. It should yield four cups of vodka approximately. Add your four cups of infused vodka to a large pitcher.
Now you will prepare a simple sugar syrup which you will add to the infused vodka (once it has cooled). Bring two cups water and two cups sugar to a boil and stir. Once all the sugar is dissolved, remove from heat and let the simple sugar syrup cool completely.
Once the simple sugar syrup has cooled completely, you will add it to your pitcher of infused vodka and stir. Be sure to taste it and make sure it is to your liking. I used a 1:1 ratio and thought it had the right kick.
You are ready to bottle your Limoncello. Pour into the decorative bottles you selected using a small funnel or a steady hand! I found the pretty bottles you see here at Cost Plus but am certain any variety and any size can be found online. Chill the finished Limoncello in the fridge or freezer for four to five hours before enjoying. I always keep my Limoncello in the freezer as I like to serve it cold and it will last much longer (up to a year).


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Perfectly shaped eyebrows highlight one's face and personality, the thicker they are, the more beautiful you look. Here are the top 10 ways to grow thick eyebrows naturally: 1. Egg Yolk The hair of
Ladies, never settle for a guy who never acts like a true gentleman whenever he is around you. You should never buy into the notion that chivalry is dead. It is still very much alive in the hearts of
Naturally, sleeping is one of the most essential things we can do for the sake of our health. If you lack sleep it may be very dangerous for your health. Nevertheless, are you familiar with the
The menstrual cycle takes place every month for a period of 6-7 days. During these days, a woman may have abnormal cramps along with some other minor problems, such as headaches and stomach harassment
It can be really embarrassing for someone to have yellow teeth. He/she avoids smiling or laughing and their self-esteem also becomes decreased. Now, we're going to present you some interesting ways
We all know what a little innocent lie is. To be honest, we've all been used to it. According to psychological studies, people in marriage lie to their spouses on average three times a week.


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Restoration engineering encompasses a wide variety of things, sometimes it can mean the selection of appropriate parts of the right quality to perform a particular function and how they integrate. It requires a thorough knowledge of not only parts available but of the engineering behind the part, whether it is of a suitable material or been machined to meet a particular standard.
Sometimes there is no part available for the task which can mean adapting a part or even designing and manufacturing of the part. PowerPlay has both the capacity and capabilities needed to adapt or design and manufacture one-off speciality parts. These parts can be tailor-made headers, oil filter adaptors, speciality easterners and even crankshafts. Any workshop can buy in a part but it takes a professional race car builder to design and make these from the ground-up.


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There are a variety of ways you can support Bethel Lutheran School to directly benefit our students. Thank you for considering how you can strengthen our school through your participation.
Parent Recommendations and Referrals
You are encouraged to share your positive comments with our community by posting them on social media. A happy, satisfied family is our best recruitment tool.
We host a festive walkathon and auction each year to raise funds that go directly for classroom and facility needs. All parents are encouraged to participate by helping with the event and through donations. In the past, funds have purchased classroom carpeting, computers, various classrooms items, and our artificial play turf. Check with your employer to access any available matching funds to add to your donation.
Annual Fund
Families, friends, and alumni of the school are encouraged to participate in our on-going annual fund focus to support the school in meeting the needs of new and continuing program expenses. To maintain an affordable tuition rate for our parents, Bethel supports special projects through our annual fund program. Major funding has been used for technology needs, tuition assistance, campus improvements, and new curriculum purchases. Check with your employer to access any available matching funds to add to your donation.
Box Tops for Education and Coke Rewards Bottle Caps
Box Tops for Education can be found on many items you purchase. Your child can help you search for them and bring them to school for our school-wide collection. These will be redeemed for the purchase of school equipment. Coke bottle caps with the Coke Rewards designation can be donated for additional school equipment.
Participation in the AmazonSmile program earns money for our school at no additional effort or cost to you. You simply use the link HERE or visit smile.amazon.com and select your charity; Bethel Lutheran Church & School. Each time you buy from Amazon (using the AmazonSmile link), a percentage is donated to the school on the participant's behalf.
On-line searching and shopping can profit our school by using this online fundraising site. Simply visit https://smile.amazon.com and find Bethel Lutheran Church and School Cupertino. Designate this as your charitable organization. When you want to order through Amazon, return to https://smile.amazon.com to start your purchasing.
Mini Fund Raisers
Short term fund raising events are opportunities to become better acquainted with our friendly parent community. These events have raised funds for fifth grade science camp, student council, and our annual track meet. Morning coffee/hot chocolate, See's Candies, and dinners at local restaurants are examples of these friendly fund raisers.