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The International Land and Forest Tenure Facility ("the Tenure Facility") is the first and only funding institution devoted solely to supporting Indigenous Peoples' and local communities' efforts to secure their rights over their forests and lands. It is designed to respond quickly and flexibly, and to complement the ongoing efforts of indigenous and local actors at the country level, while enabling its partners from across the globe to learn from and collaborate with one another.
Created by RRI in 2014, the Tenure Facility was formally launched in October 2017 at the 3rd International Conference on Community Land and Resource Rights in Stockholm, Sweden. To date, it has completed pilot initiatives in six countries: Cameroon, Indonesia, Liberia, Mali, Panama, and Peru. Through providing financial and technical assistance to Indigenous Peoples' and local communities' organizations to build on and scale ongoing efforts, these pilot initiatives have helped communities advance their rights to almost 2 million hectares of land.
2018 marks a year of transition for the newly launched Tenure Facility, as the institution prepares to formally transition its operational activities to a new office in Stockholm.

subset: commoncrawl


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Aloha Brendan,
Good show on Tom Callos. He is an old and dear friend (I remember Keenan as a 6-year-old TKD white belt). I am a professional journalist who lived many years in Japan (where I trained stand-up martial arts). I met Tom in Hawaii and wrote this article about him and BJ Penn. I was so impressed with the whole scene that I began my BJJ journey under BJ after filing the story.
Keep up the good work,


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How to Extract Explore from Instagram
Abstract:This tutorial will show you how to extract explore posts from Instagram with ScrapeStorm. No Programming Needed. Visual Operation. ScrapeStormFree Download
Introduction to the scraping tool
ScrapeStorm is a new generation of Web Data Extractor based on artificial intelligence technology. It is the first scraper to support both Windows, Mac and Linux operating systems.
Preview of the scraped result
Export to Excel2007:
1. Download and install ScrapeStorm, then register and log in
(1) Open the ScrapeStorm official website, download and install the latest version.
(2) Click Register/Login to register a new account and then log in to ScrapeStorm.
Tips: You can use this web scraping software directly, you don't need to register, but the tasks under the anonymous account will be lost when you switch to the registered user, so it is recommended that you use it after registration.
2. Create a task
(1) Copy the URL of Instagram
Click here to learn more about how to enter the URL correctly.
(2) Create a new smart mode task
You can create a new scraping task directly on the software, or you can create a task by importing rules.
Click here to learn how to import and export scraping rules.
3. Configure the scraping rules
(1) Pre Login
(2) Set the fields
Intelligent mode automatically recognizes the fields on the page. You can right-click the field to rename the name, add or delete fields, modify data, and so on.
Click here to learn how to how to configure the extracted field.
(3) Scrape into
There is only partial data on the list page, you can use the "scrape into" function to enter the detail page to scrape the data.
Click here to learn how to extract the list page plus the detail page.
Then we add the required fields:
4. Set up and start the scraping task
(1) Run settings
Choose your own needs, you can set Schedule, IP Rotation&Delay, Automatic Export, Download Images, Speed Boost, Data Deduplication and Developer.
Click here to learn how to configure the scraping task.
(2) Wait a moment, you will see the data being scraped.
5. Export and view data
(1) Click "Export" to download your data.
(2) Choose the format to export according to your needs.
ScrapeStorm provides a variety of export methods to export locally, such as excel, csv, html, txt or database. Professional Plan and above users can also post directly to wordpress.
Click here to learn more about how to view the extraction results and clear the extracted data.
Click here to learn more about how to export the result of extraction.
Disclaimer: This article is contributed by our user. Please advise to remove immediately if any infringement caused.


text: We love welcoming children to Orris Dental! Dr. Ali Maddahi provides children's dentistry to help you keep your child's mouth healthy and teach them the good oral habits that will lead to a lifetime of smiles. To learn more about children's dentistry in Framingham, Massachusetts, and to make an appointment for your child with our dentists, call us today at 508-270-6770!


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Header Photo: Drew Jacksich
The 4-10-2 wheel arrangement, often referred to as the Southern Pacific for the railroad which put it to use most successfully, was a unique design that utilized three-cylinders instead of the traditional two. In terms of steam locomotive evolution it followed the 2-10-2 Santa Fe but the American Locomotive Company's (Alco) desire to advance three-cylinder technology proved somewhat problematic, at least for the Union Pacific (which referred to its roster as "Overlands" for its Overland Route main line). The SP on the other hand found their fleet quite useful and reliable in regular service and continued to use them for nearly 30 years until diesels finally took over. Also of note was the one experimental example built by Baldwin Locomotive Works to commemorate the building of its 60,000th locomotive but it was not successful and never duplicated. Today, two examples of this rare wheel arrangement are preserved.
The unique 4-10-2 Southern Pacific/Overland was, in many ways, an experimental design. By the 1920s steam locomotive development was becoming quite advanced with powerful models like the 2-8-4 Berkshire, 4-8-4 Northern, 2-10-4 Texas, and 4-8-2 Mountain either already in service or conceived during the decade. It was Alco's belief that a steamer featuring three cylinders would offer more power under a more efficient platform. To do so the manufacturer took a basic 2-10-2 Santa Fe and added an extra axle on the pilot to compensate for the additional weight of the third cylinder. The locomotive would be a simple expansion version and the Espee was quite impressed with the design, ordering 16 examples in April of 1925 numbered 5000-5015. The railroad saw the 4-10-2s as useful power for passenger trains tackling Donner Pass.
Southern Pacific, "The Friendly Southern Pacific"
Union Pacific, "Be Specific - Ship Union Pacific"
While less impressed the Union Pacific took delivery of its first 4-10-2 following the SP, #8000, in May of 1925. The UP's hope, however, was have the design replace its fleet of Class TTT 2-10-2 Santa Fes (of which it rostered more than 100 among seven different classes). Early tests with #8000 looked promising as the railroad discovered that the 4-10-2 could handle roughly 20% more tonnage using 16% less than fuel than a 2-10-2. The UP soon took delivery of nine more units, #8800-8808, and put them to work on the LA&SL Division (Los Angeles & Salt Lake Railroad) between Salt Lake City, Utah and California. All ten were listed as Class FTT-1 and during the 1930s converted to burn oil instead of coal. Unfortunately, despite their advantages and offering 4,300 horsepower the Overlands proved very complicated to maintain due to their third cylinder.
In 1942 the UP became tired of this headache and reduced the locomotives to operate with a conventional two-cylinder setup for easier maintenance, renumbering the 4-10-2s #5090-5099. Here, the locomotives were somewhat more successful, remaining in service until the 1950s. As it turns out the SP also ran into some problems with their 4-10-2s early on; the locomotives proved to be too long and rigid (they were not articulated) to successfully negotiate the tight curves of Donner Pass. As such, the railroad reassigned the units to its Sunset Route between California, Arizona, and New Mexico where the track was much straighter and the locomotives could normally move heavy trains at speeds of greater than 30 mph. Finding #5000 and the first batch of sixteen to its liking the Southern Pacific went on to order 48 additional 4-10-2s from Alco in all, numbered 5000-5048.
Despite the complicated nature of three-cylinder steam the Southern Pacifics remained in regular service until the 1950s when they were finally replaced by diesels. Interestingly, the Baldwin Locomotive Works also built their own version of the 4-10-2 in 1926. This unit was listed as #60000 by the manufacturer to celebrate its status as the 60,000th locomotive the company had built during its many years in the business. The hope of #60000 was, in many ways, similar to Alco's attempt by further pushing the boundaries of steam locomotive technology offering a more efficient and powerful design. Unfortunately, Baldwin made the mistake of building the locomotive as a compound expansion design when most railroads were moving to simple expansion versions.
The #60000 would test on several major railroads including the Baltimore & Ohio, Erie, Pennsylvania, Burlington, Santa Fe, Great Northern, and again the Southern Pacific. However, none found the design to their liking (even with new features like pneumatic braking and a double boiler, the latter of which also proved troublesome); it was too complicated, too heavy, and too long to operate anywhere except along the straightest and most robust main lines. After seven years of trials Baldwin gave up on the unique design and sold the locomotive for a mere $1 to the Franklin Institute Science Museum in Philadelphia in 1933, where she still remains today on display. Additionally, you can also see Southern Pacific Class SP-2 #5021 on display at the Los Angeles County Fairplex in Pomona, California.


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The Platinum Collection - Genuine Small Group Tours
New Zealand is a world in miniature… a land that is undeniably and breathtakingly beautiful, steeped in history, tradition and culture, complimented with modern infrastructure. When you travel through the country with Kirra Tours, you'll experience for yourself a superior New Zealand coach tour holiday. These Platinum Collection tours meander off the main highways and visit smaller towns and byways so you can enjoy a more remote perspective of New Zealand.
This exciting selection of New Zealand "Platinum Collection" coach tours offers a high level of comfort from the time you arrive, until the day you leave. Limited to just 24 people per departure, you'll enjoy a more intimate and personal style of touring experience, stay in 4.5-5 star hotels, resorts and lodges of a very high standard and have outstanding sightseeing included. Expertly managed by a team of experienced and knowledgeable staff, these New Zealand escorted tours offer excellent value. Experience New Zealand's highlights in armchair comfort as you travel through each spectacular region. Pay one price that is inclusive of transfers, comprehensive sightseeing, meals and a generous list of exciting activities. You will rarely have to put your hand in your pocket!
Superior Accommodation
Superior hotels, resorts and lodges on these tours represent a 4.5 to 5 star rating. All properties offer high quality service and facilities and excellent location.
Luxury Touring Coaches
Modern, 5 star luxury 38 seater touring coaches will make your travel days comfortable. And remember, the maximum number of travellers is limited to just 24 people. All coaches feature air conditioning, reclining seats, panoramic windows, wifi, CD and DVD player, entertainment system, air bag suspension, restroom and two door access. As the coaches are fitted with 38 seats, there will always be plenty of spare room to move around and you will often have the choice to enjoy a window seat should you wish.
Exclusive Sightseeing and Dining
These tours include the "must see" highlights plus much more. Many of the exclusive sightseeing inclusions have been designed specifically and available only to small groups. Similarly, you will savour the culinary delights of award winning vineyard restaurants such as Mudbrick, Craggy Range and Amisfield as well as enjoying lakeside BBQ's and traditional Maori hangi (feast).
Professional Coach Captains
All Coach Captains have been carefully chosen for their expert knowledge and extensive driving experience. A key part of their role is to ensure that the comfort and cleanliness of the coach is kept at the highest standard at all times. Ongoing training guarantees that the Coach Captain is on hand to assist you in every aspect of your tour.
Guaranteed Departures
A big plus with these New Zealand escorted tours is that all published departure dates are guaranteed to operate. New dates are added from time to time, so please check with us regarding a date to suit your schedule.
Solo Travellers
For single travellers, you can either register to have a twin share room with another single traveller of the same gender to save costs, or you can choose to pay a single supplement to guarantee a room of your own.
Extra Nights
We can arrange extra nights' accommodation either before or after your tour. As some flights arrive late at night and others depart early morning, extra nights are highly recommended to allow time to relax before starting your tour in Auckland and Christchurch. Just ask us for details and rates.
Optional Activities
At various locations you will have free time to participate in a range of optional activities from jet boating to helicopter flights. A directory of optional tours is provided in your documentation.
Your Special Needs
At the time of booking we will ask if you have any special dietary or room requirements that will make your tour more comfortable. These will be communicated to each hotel and/or attraction and will be on a request basis.
Travel in Style
The tour price includes a stylish array of travel goods including a durable travel bag, ticket wallet, luggage label, personal name badge and personalised itinerary. Documentation will be available at your first night's accommodation.
Meet and Greet
Return airport to hotel transfers are provided, unless you are on "own arrangements" before or after the tour.
Let Us Carry Your Bags
From the moment you arrive in New Zealand you will be assisted with your luggage. Each touring day packed bags will be left at the hotel door for the porters to collect and then assist the Coach Captain to load safely onto the coach. On arrival at each new hotel, luggage will be delivered to your room.
Delightful Dining
The tours are inclusive of daily cooked breakfast and most dinners. An occasional night is free to dine at leisure so that you can soak up the ambiance of the local surrounds. You will be offered priority reserved dining at breakfast and dinner.


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NOTE: The new APG website requires a new password for returning customers on their first visit. Please click the "Forgot password?" link above to set your new password.
Welcome to APG, American Packing & Gasket Company, online system now that you have an account with APG you are able to access the APG website that will let you shop faster.
Please allow at least 24 hours to receive an email notification confirming access to your account through the APG website.
An APG customer account is required to obtain a login to our website. Distributors interested in connecting with APG Contact APG.
Since 1943 APG, American Packing and Gasket Company, has worked to earn the reputation as "America's Most Responsive Warehouse".
This title is made possible by:
Huge Inventories in a Wide Variety of Industrial Products: O-Rings, O-Ring Cord, Vulcanized O-Rings, Hydraulic Seals, Oil Seals, Industrial Hose Couplings, Sheet & Roll Gasket Materials, Fabricated Gaskets, Braided Packing, Packing Tools, Die-Cut Plastic Products, Machined Plastic Products, Industrial Glass Products, Gasket Tools, Sheet Plastic, Adhesives, Sealants, Fabrication, More...


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With the help of pop-tube biscuits, these Sweet Streusel Strawberry Crescent Muffins will be a welcome addition to any breakfast or brunch menu!
Of all the convenience foods in the market the pop-tube biscuits, crescent dough, in particular, is my favorite. For this recipe of Sweet Streusel Strawberry Crescent Muffins, I used two tubes of crescent dough sheets and then sprinkled them with a mixture of Dixie Crystals granulated sugar, ground cinnamon, and lots of chopped, fresh, strawberries.
The result is a deliciously tempting muffin that's perfect for any #BrunchWeek celebration, and/or to serve any and all moms for Mother's Day! Sweet Streusel Strawberry Crescent Muffins.
The ingredient list for making Streusel Strawberry Crescent Muffins
- 2 tubes crescent roll sheets (not the perforated kind)
- granulated sugar (I prefer Dixie Crystals)
- ground cinnamon
- butter
- quick cooking oats
- brown sugar
- all-purpose flour
- fresh strawberries
- salt
Let's make Streusel Strawberry Crescent Muffins. I'll walk you through it.
Line a muffin tin with muffin cups and spray them with baking spray. Set aside. In a small bowl, stir together the granulated sugar and ground cinnamon. Set aside.
In a medium bowl, use your hands to crumble together the all-purpose flour, quick oats, brown sugar, salt, and butter. Set aside.
Pat out the two tube of crescent dough making a long rectangle. Press the two pieces together to make one long piece. If any holes form, press those together as well. Spread softened butter over the surface of the dough and sprinkle the cinnamon sugar mixture evenly on top of the butter.
Chop approximately 1½ cups of strawberries. Spread the chopped strawberries evenly over the cinnamon sugar. Gently roll the dough, lengthwise to form a long, jelly roll, snake.
Cut the jellyroll snake into 12 equal pieces and place one cut piece into each of the prepared muffin cups. Sprinkle the prepared streusel topping on each crescent muffin. Bake in a preheated 350-degree oven for 25-30 minutes or until golden brown. Cool for 10 minutes and remove the muffins from the tin. Serve warm or at room temperature.
Sweet Streusel Strawberry Crescent Muffins for #BrunchWeek 2018
Now that you know how easy these Sweet Streusel Strawberry Crescent Muffins are to make, why not get busy and make some today?
- ½ cup granulated sugar
- ½ teaspoon ground cinnamon
- 1½ cup chopped, fresh strawberries
- 6 tablespoons butter, softened
- ½ cup quick cooking oats
- ½ cup brown sugar
- ¼ cup all-purpose flour
- 2 tablespoons butter cold
- pinch coarse salt
- 2 tubes crescent roll dough, sheets
In a small bowl, mix the sugar and cinnamon. Set Aside.
In a medium bowl, use your fingers or a pastry blender to work the cold butter into the oats, brown sugar, flour, salt and 2 tablespoons cold butter until the mixture resembles coarse crumbs. Set aside.
Preheat oven to 350-degrees.
Place 12 muffin liners into a muffin pan and spray the liners with baking spray.
Press out both of the crescent roll sheets to form one long rectangle, pressing the two pieces together to form one.
Spread the softened butter evenly over the entire surface of the dough.
Evenly sprinkle the cinnamon and sugar mixture over the surface of the dough and top the cinnamon sugar mixture evenly with the chopped strawberries.
Carefully roll the dough, jelly-roll fashion, lengthwise to form a large snake. Trim the ends (if needed).
Slice the dough snake into 12 even pieces and place each piece into one of the prepared muffin liners in the muffin tin.
Place the muffins in a preheated oven and bake for 20-25 minutes or until the muffins are golden brown.
Cool the muffins in the muffin tin for 10 minutes and then remove the muffins from the tin to cool completely.
After removing the muffins from the oven and cool them for 10 minutes. Then remove them from the muffin tin and cool completely on a cooling rack.
Take a look at what the #BrunchWeek Bloggers are creating today!
BrunchWeek Beverages:
Blackberry Ginger Mint Julep from The Crumby Kitchen
Peppermint Mocha Coffee Syrup from Hezzi-D's Books and Cooks
Strawberry Bellini from Caroline's Cooking
BrunchWeek Appetizers:
Barley and Apple Salad with Kale Pesto from A Day in the Life on the Farm
BrunchWeek Egg Dishes:
Asparagus and Cheese Tart from Brunch-n-Bites
Muffin Tin Frittatas from Sweet Beginnings
Red Pepper, Asparagus and Cheddar Quiche from Family Around the Table
Shaksuka from Karen's Kitchen Stories
BrunchWeek Breads, Grains, and Pastries:
Carrot Cake Baked Oatmeal from Cooking with Carlee
French Toast Sticks from The Barbee Housewife
Khachapuri – Georgian Cheese Bread with Eggs from A Kitchen Hoor's Adventures
Pineapple Upside Down Pancakes from For the Love of Food
Strawberry Streusel Crescent Muffins from Kudos Kitchen by Renee
Tiramisu Pancakes from Tara's Multicultural Kitchen
BrunchWeek Main Dishes:
Everything Bagel Breakfast Pockets from Strawberry Blondie Kitchen
Frutti di Mare Marinati from Culinary Adventures with Camilla
BrunchWeek Fruits, Vegetables and Sides:
Artichoke & Sun-Dried Tomato Pasta Salad from Eat Move Make
Asparagus Tart from Mildly Meandering
Creamy & Luscious Italian Asparagus from Girl Abroad
Roast Carrots with Pine Nuts & Feta from Books n' Cooks
Sweet Potato Avocado Toast from Forking Up
BrunchWeek Desserts:
Coconut Cupcakes with Coconut and Blueberry Frosting from Love and Confections
Chocolate Rum Beet Cupcakes with Cream Cheese Beet Frosting from Daily Dish Recipes
Espresso Coffee Cake from Rants From My Crazy Kitchen
Peach Brown Butter Coffee Cake from The Redhead Baker
Welcome to #BrunchWeek 2018
Hosted by Love and Confections and A Kitchen Hoor's Adventures! This year is even bigger and better than ever! Thirty-eight bloggers from around the country are showcasing their best brunch dishes. We have so many delicious recipes for you to enjoy throughout the week (over 150!!) including cocktails, appetizers, pastries, tarts, main courses, and plenty of desserts! Our BrunchWeek Sponsors are helping us give away some great prizes. Thank you so much, Sponsors, for your generosity. We have an incredible giveaway below and we'd love if you would take a moment to read about it and what you can win!
Prize #1 Dixie Crystals is giving one winner a 6-Quart Instant Pot 7-in-1 Multi-Use Programmable Pressure Cooker, Slow Cooker, Rice Cooker, Steamer, Sauté, Yogurt Maker and Warmer and a case of Dixie Crystals Extra Fine Granulated Sugar
Since 1917, Dixie Crystals® has been the South's choice for high-quality sugar and sweeteners. For generations, Dixie Crystals has been at the heart of family traditions and celebrations. Our pure cane, non-GMO sugar products guarantee that treasured family recipes will turn out right every time. Bake with love and Dixie Crystals.
Prize #2 Cabot Creamery Co-operative is giving one winner a Cheese Board Set, including a slate cheese board, Boska cheese knife, Legacy Collection Cabot Cheddars, Founders 1919 Collection Cheddars, Waxed Private Stock, Waxed Vintage Choice, and 3 Year Artisan cheeses.
Cabot Creamery Co-operative, makers of naturally aged, award-winning cheeses and dairy products is owned by 1,000 dairy farm families in New England and New York.
Prize #3 LorAnn Oils and Flavors is giving one winner A Baking and Candy Making Prize package. The package includes: ceramic serving platter, a collection of 5 LorAnn Bakery Emulsions, one each of LorAnn Madagascar vanilla extract and Madagascar vanilla bean paste, Lollipop cookbook along with re-usable candy mold, candy packaging accessories, candy thermometer, and a pack of 3 LorAnn super-strength candy oils.
Our flavors. Your creations. For over 50 years, LorAnn Oils has been supplying professionals and home chefs with the finest quality candy and baking flavors, essential oils, and specialty ingredients. Visit us at www.LorAnnOils.com to shop, learn, and discover new recipe ideas.
Prize #4 Cal-Organic Farms is giving one winner a Cal-Organic prize package complete with kitchen supplies, a portable cooler bag and branded apparel—everything you need to take your delicious #BrunchWeek recipes on-the-go! The package includes a custom-made Tilit apron, cooler bag, kitchen knife, vegetable peeler, t-shirt, hat, notepad, and pen.Cal-Organic Farms is the largest organic vegetable producer in the United States. Supplying more than 65 year-round and seasonal varieties, we are proud to grow 100% of our produce on family-owned acreage in California.
Prize #5 Michigan Asparagus is giving one winner $100 cash gift card.Michigan Asparagus is known for its hand snapped fresh asparagus. It is available May – June and grown mostly in Oceana County along the shores of Lake Michigan. Remember to buy U.S. for the freshest of the fresh.
Eggland's Best eggs have more of the delicious, farm-fresh taste you and your family love – any way you cook them. Plus, Eggland's Best provides superior nutrition such as 6x more vitamin D, 10x more vitamin E, and double the omega 3s compared to ordinary eggs so why settle for less?
Prize #7Cento Fine Foods is giving one winner a Cento Classico gift basket, which contains imported products from Cento and their family of brands.Cento Fine Foods, the premier Italian food distributor, importer, and producer in the United States, presents a distinctive line of more than 1,000 authentic Italian style products produced from only the finest ingredients. A family owned and operated company spanning three generations, Cento continues to provide premium quality, exceptional products at the best consumer value. Taste the difference quality makes and see why you can "Trust Your Family With Our Family Ò".
**Disclaimer: Thank you to #BrunchWeek Sponsors: Dixie Crystals, Cabot Cheese, LorAnn Oils and Flavors, Cento Fine Foods, Michigan Asparagus, Cal-Organic and Eggland's Best for providing the prizes free of charge. These companies also provided the bloggers with samples and product to use for #BrunchWeek recipes. All opinions are my own. The #BrunchWeek giveaway is open to U.S. residents, age 18 & up. All entries for the winner will be checked and verified. By entering you give the right to use your name and likeness. The number of entries received determines the odds of winning. Seven (7) winners will be selected. The prize packages will be sent directly from the giveaway sponsors. The #BrunchWeek Bloggers are not responsible for the fulfillment or delivery of the prize packages. Bloggers hosting this giveaway and their immediate family members in their household cannot enter or win the giveaway. No purchase necessary. Void where prohibited by law. This promotion is in no way sponsored, endorsed or administered by, or associated with Facebook, Instagram, Pinterest, Twitter or any other social channel mentioned in the #Brunchweek posts or entry.
I hope you've enjoyed this recipe for Sweet Streusel Strawberry Crescent Muffins for #BrunchWeek 2018 as much as I've enjoyed bringing it to you.
For other breakfast or brunch recipes I've shared which take advantage of pop-tube biscuits, please check out the following titles for:
Should you have any questions regarding this recipe of Sweet Streusel Strawberry Crescent Muffins, or anything else you've seen on my site, please don't hesitate to contact me directly, or leave me a comment in the comment section below. It is always my distinct pleasure to get back to you with a reply just as soon as I possibly can!
For additional information regarding my Kudos Kitchen recipes, and/or my hand painted glassware or fabric items, please follow me on;
Kudos Kitchen by Renée ~ Cooking up artistically delicious family-friendly dishes from my Kudos Kitchen to yours!
Until we eat again, I hope you have a delicious day!


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Le Saigonnais…Upscale Vietnamese in New Westminster
New Westminster isn't exactly a mecca for Vietnamese food in Greater Vancouver. Until now, we've had only three fairly average joints to speak of. When I heard of a new one advertising "Authentic" Vietnamese cuisine, I dragged Darciberger down to Columbia St. to see if Le Saigonnais was the real deal.
Unfortunately, the previous occupants, Royal City Thai, closed their doors. They put out some decent Thai food but I guess not enough New Westers gave them a go. It's always sad to see it happen but in this case, it made way for some pretty damn good Vietnamese.
Le Saigonnais' menu is chock-full of authentic Vietnamese fare…not your average joint by any means. The fact that they used Vietnamese titles in a very non-Asian area gave me great hope. Of the four Vietnamese restos here, they're the first. Bringing authentic Asian fare to this area is always a challenge. Here's to hoping that it's the beginning of a trend.
Their version of Bún bò Huế was pretty solid…stacked with flavor and loaded with meat. The broth was spicy enough but it lacked the lemongrass kick. The addition of beef balls in lieu of the pork knuckle was unique. It dropped the authenticity level down a notch but didn't detract from the bowl a whole lot. The ultra-tender beef slices, great broth and chewy round noodles made up for things quite well.
Hanoi Phở
Normally, Vancouver's Downtown Eastside isn't my first choice for grabbing some grub. That's pretty obvious. Then, one day, I heard about Hanoi Phở and their excellent curried soup. Always on the lookout for this variant on Vietnamese soup, I made a point to scope it out on the way downtown. My first reaction was, "Wow. That's one crappy location". Two blocks from Main & Hastings, next to a methadone clinic. Yikes. Upon further investigation here, here, here and here, it became pretty clear that this is one of Vancouver's better Vietnamese restaurants.
Despite it's location and underwhelming signage, Hanoi Phở has one of the cleanest interiors I've come across in a Vietnamese venue. If your looking for immaculate restrooms, this place is for you! Just ask for the key at the front counter.
This is one impressive little joint. A burbling waterfall off to one side. All sorts of knick-knacks here and there. Soothing Andean panpipes on the stereo. Highspeed wi-fi is on offer as well as a fax/printer if you require it. A very colorful, warm and comforting space.
Phở 24 Express…Burnaby's Newest Vietnamese
Phở 24 Express is Burnaby's newest Vietnamese restaurant. It took a long while. Last June, this spot was Numero Uno Pizza. The new façade went up quite quickly when Numero Uno vacated. For a couple of months I waited and waited with baited breath for more phở in Burnaby. They teased me by wallpapering the windows with their menu. How cruel is that??! I'd drop by occasionally to check on the progress only to be teased yet again. Finally, around New Year's, they opened their doors.
Phở 24 Express is a reincarnation of Gold Train Express II out on West 10th in Point Grey. Years ago it was my go-to spot before work at Provence. They made a killer bò kho as well as some great phở. It'll be interesting to see if they're still as a good as I remember.
On my first of three visits, this past Thursday, I went with the Bún Cà Ri Gà (Curry Chicken Vermicelli Soup).
I gotta say, this was a fantastic bowl. A solid curried broth jacked with lots of black pepper. Several big hunks of dark-meat chicken…nary a bit of gristle or bone. Plenty of roasted peanuts and chips of roasted garlic…great textures and an abundance of flavor. My only quibble was with the vermicelli. A bit too thin…verging on angel-hair…next time I'll ask for the egg noodles. Can't say enough about the broth, though. Great stuff…bowl drained.
Phở Tân
Once upon a time, there was a cool, house-shaped restaurant in Burnaby called Phở Saigon. As I mentioned in that post, it was my very first bowl of phở. They, through a variety of owners, put out a very good product. For a while there, I was visiting two, three and sometimes four times a week. A few months back they shut down and re-opened as Phở Tân.
I'm just going to go ahead and assume this is an off-shoot of Phở Tân at Main & 30th that a small section of the local blogosphere has written about. Based on those posts, I figured I was in for some great grub.
They'd really spiffed things up. New furniture, a lick o' paint, a few new plants. Really an all round, clean and comfortable space.
The service is friendly and attentive. A lady is busy shining up the glass on the entrance door. She notices my camera and suddenly the owner drops by for a chat. He asks what kind of camera I have, chats a bit about a camera he used to have then wanders off. If you're in this situation, you may figure they'd take notice and bring out the good stuff…don't bet on it.
Green Bamboo, Re-visited
Way back in September 2009, I wrote a post on Green Bamboo Vietnamese Cuisine. Since then the owner/chef has been continually tweaking his menu with new and delicious items. As Green Bamboo has become my favorite local, I thought it deserved an updated post.
Green Bamboo is located on Willingdon Avenue, just south of Kingsway in Burnaby. They are street-level next to the ever popular Han Ju Tofu Hot Pot. The room is quite small, usually steamy and plastered with droolworthy photos of their dishes. Last summer while I was outside checking out the pics, the owner came out and promptly recommended the Grilled Pork Vermicelli Rice Bowl. Turned out to be a fantastic dish. For the last year or so I've slowly been making my way through the quite large and varied menu. I have my standbys, but there's so much more…
Making My Way To Huế
After three days amidst the mayhem that is Sài Gòn, it was time to head up to Huế. Huế is a short, one hour flight north of Sài Gòn. With a couple of lengthy flights in economy under my belt, I opted for business class this time around. It was pretty much a no-brainer. Economy was fifty bucks…first-class, a hundred.
The extra fifty doesn't get you a whole lot…just a bit more room to stretch out and a couple of pretty decent sandwiches.
Le Petit Saigon
A couple of weeks ago, I wrote about Bảo Châu, a Vietnamese restaurant and self-described "Spring Roll Specialty House" on East Hastings. It quickly became my "go-to" place on Saturday afternoons before going to work. Recently, in the interest of a head-to-head comparison, I made a couple of visits to a neighboring restaurant, Le Petit Saigon.
After perusing their quite extensive menu, I decided to see how their Bún bò Huế stacked up to Bảo Châu's.


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Estilo supports up to 81 different languages such as Spanish, English, Portuguese, German, French, Turkish, Italian, Polish, Kurdish (Latin), Romanian, Dutch, Hungarian, Kazakh (Latin), Czech, Serbian (Latin), Swedish, Belarusian (Latin), Croatian, Slovak, Finnish, Danish, Lithuanian, Latvian, Slovenian, Irish, Estonian, Basque, Icelandic, and Luxembourgian in Latin and other scripts.
Please note that not all languages are available for all formats.
With Estilo Text, designer Dino dos Santos has elegantly blended a nostalgic, Art-Deco-style type design with a contemporary feel. Despite its 1930's look, this graceful monoline typeface also conveys a modernistic flavor through its clean, geometric lettershapes. In addition to its compelling design, it also features a wide range of contextual OpenType features including, ligatures, alternates, swashes and Greek.


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Modern Street Level Corner Storefront
A bright, modern and intimate gallery-inspired street level storefront space on Bloor Street West at the corner of Shaw Street in downtown Toronto. Featuring two large corner-joint windows, our venue is ideal for hosting small-scale pop-up art projects and retail installations.
Available for weekly or monthly rental periods, it is a space for launching creative projects or flash retail experiences of handmade and bespoke designs, products, multiples or inventions. Create an immersive retail or gallery experience and host your own opening reception or launch.
• Lifestyle / Décor / Retail Experience
• Art or Photography Exhibition
• Fashion Boutique
• Sustainable Design / Inventions
Our trendy Bloorcourt neighbourhood attracts a diversity of shoppers and cultural supporters as well as a large creative community including artists, arts specialists, curators, designers, filmmakers, makers, musicians, photographers, and web/interaction designers.
The space is a new initiative to support and engage the broader creative community as part of our collective passion. We welcome applications from a diverse range of creative contributors that reflect our contemporary aesthetic and philosophy.
Package includes
• 160 square feet of prime downtown Toronto storefront space on Bloor Street West
• Custom vinyl lettering of your brand/project/name displayed on storefront window and sidewalk
sandwich board
• Use of small storage closet and studio ladders
• Access to lower level washroom and kitchenette
Available Hours
Daily: $400/day
Weekly: $900/week
Monthly: $1,700/month
Minimum Booking: 1 week
Always communicate on thisopenspace. To protect your payment, never transfer money or communicate outside of thisopenspace. Learn more
Alcohol permitted
Catering allowed
August 2019
Trevor and the whole team is awesome to work with. And he even took part in making my birthday extra special! Thanks again!
July 2019
Great host as always!
June 2019
Love the MakeGood Studio family. Great people!
May 2019
All always, a pleasure to work with!
February 2019
A great space and very friendly team that's there for me whenever I need help. Looking forward to working with them again!
November 2018
A pleasure to be there. Trevor and his team are helpful and accomodating. Looking forward to returning soon!
October 2018
We had a great experience! Everyone at make good are so friendly, helpful and informative. We have nothing but great things to say about the people and the space. We look forward to using the space again in the near future! Shop Comuna.
October 2018
The space waa exactly what I expected and wanted. Trevor and his team were helpful and supportive. They made me want to stay permanently!
April 2018
Loved this cute little corner space and loved the super friendly and accommodating artists in the studio. They provided me with window signage and a sandwich board, which I really appreciated. The downfall was no a/c in the summer and only space heaters for warmth in the winter.
144 people saved this space


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Jewelry Settings
Please visit our jewelry findings and wholesale jewelry findings section. Find all of the staples for your jewelry designs here in one convenient place. We have all of the jewelry findings you use every day from headpins to jump rings. Browse through our entire selection of supplies and findings and you're sure to discover some new things you can't live without like crimp covers and cable thimbles. Sohofinds.com is your one stop shop for all of your beading needs.


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A Community Seconds mortgage may be funded by a federal agency, municipality, state, county, state or local housing finance agency, nonprofit organization, regional Federal Home Loan Bank under one of its affordable housing programs, a federally recognized Native American tribe and its sovereign instrumentalities, or an employer (see B3-4.3-08, Employer Assistance). It may not be funded by the property seller or any other interested party to the transaction; however, a lender may fund a Community Seconds mortgage that an employer guarantees as part of its affordable housing program.
The Community Seconds financing must be subordinate to the mortgage purchased by Fannie Mae.
A borrower of a mortgage loan secured by a principal residence may use funds received from a Community Seconds mortgage to fund all or part of the down payment provided the Community Seconds is not funded in any way through the first lien mortgage, such as premium pricing. Additionally, Community Seconds proceeds may fund closing costs, renovations to the property (including energy-related improvements), or a permanent interest rate buydown. Community Seconds are not allowed on co-op share loans, second homes, or investment properties. See B5-6-03, HomeReady Mortgage Underwriting Methods and Requirements, for additional information about HomeReady mortgage minimum borrower contribution and down payment requirements.
The subordinate lien originated in connection with a conventional first mortgage under the RD Section 502 Leveraged (Blended) Loan Program is eligible for the Community Seconds program. The standard review of Community Seconds programs described in B5-5.1-01, Community Seconds Mortgages, is not required; however, the subordinate lien must meet all RD guidelines. See B6-1-05, Eligible RD-Guaranteed Mortgages, for additional information.
The following table describes the minimum borrower contribution requirements for transactions that contain a Community Seconds:
|LTV, CLTV, or HCLTV Ratio
|Minimum Borrower Contribution Requirement from Borrower's Own Funds
|80% or less
|One- to four-unit principal residence
|A minimum borrower contribution from the borrower's own funds is not required. All funds needed to complete the transaction can come from a Community Seconds.
|Greater than 80%
One-unit principal residence
|A minimum borrower contribution from the borrower's own funds is not required. All funds needed to complete the transaction can come from a Community Seconds.
Two- to four-unit principal residence
The borrower must make a 5% minimum borrower contribution from his or her own funds. After the minimum borrower contribution has been met, a Community Seconds can be used to supplement the down payment, closing costs, and renovations (including those that are energy-related) or to fund a permanent interest rate buydown.
See B5-6-03, HomeReady Mortgage Underwriting Methods and Requirements, for additional information about HomeReady mortgage minimum borrower contribution and down payment requirements.
In addition to HomeReady mortgages (see Chapter B5–6, HomeReady Mortgage), non-community lending mortgages may be used in a Community Seconds transaction with the following limitations:
All non-community lending mortgages are eligible, with the exception of ARMs with an initial fixed-rate period of less than 5 years.
The transaction is limited to a purchase or limited cash-out refinance.
For a limited cash-out refinance transaction, the Community Seconds mortgage holder must acknowledge the lien position by executing a subordination agreement, which must be recorded to ensure enforceability.
Only principal residences are eligible.
If the product is secured by a manufactured home, the loan must comply with all manufactured home policies, including the LTV and CLTV ratios.
The maximum LTV of the underlying product remains unchanged.
If the mortgage does not have an independent CLTV cap (such as the CLTV cap for manufactured housing that does not meet the MH Advantage requirements), the CLTV can be expanded to 105%, provided the subordinate financing meets all conditions of a Community Seconds mortgage.
Non-community lending mortgages do not mandate any income restrictions for the borrower(s); the income limits that the Community Seconds provider imposes will apply.
Repayment of the Community Seconds mortgage may be structured in any number of ways as long as the terms are consistent with the type of terms Fannie Mae considers acceptable, such as:
requiring fully amortizing, level monthly payments;
deferring payments for some period before changing to fully amortizing, level monthly payments;
deferring payments over the entire term, unless the mortgage is paid off or the property is sold before the maturity date of the mortgage; or
forgiving the debt over time.
When the borrower's employer is the provider of the Community Seconds mortgage, the financing terms may provide for the employer to require full repayment of the debt should an employee's employment terminate (either voluntarily or involuntarily, for reasons other than those related to disability) before the maturity date of the Community Seconds mortgage.
Where repayment of the Community Seconds mortgage is deferred for five years or more, a lender is not required to include a monthly payment for the Community Seconds mortgage in its calculation of the borrower's debt-to-income ratio.
Where repayment is deferred for fewer than five years, the lender must include the monthly payment amount that will be required after the end of the deferral period in its calculation.
Fannie Mae will purchase or securitize a first mortgage with subordinate financing under the Community Seconds option that provides for a balloon payment no earlier than fifteen years from the note date of the first mortgage loan or the maturity date of the first mortgage loan.
The interest rate for the Community Seconds mortgage may not be more than 2% higher than the interest rate of the first mortgage.
Note: Interest that is imposed as a penalty should the mortgage be declared in default and called due and payable under its terms is not subject to this interest rate cap.
The Community Seconds mortgage may not provide for negative amortization.
However, because negative amortization will occur if the interest rate is greater than zero and the payment of interest is deferred for a period of time, negative amortization will otherwise be acceptable as long as:
interest is accrued on a simple-interest basis at a rate that is not more than 75% of the rate of the related First Lien Loan, and the accrued interest is fully deferred until
sale or transfer of the property,
the mortgage loan is refinanced or other full repayment of the first lien loan, or
declaration of an event of default under the subordinate note or the security instrument, or
the accrued interest is assessed only as a penalty upon declaration of an event of default under the subordinate note or the security instrument.
As an additional affordable lending tool, the Community Seconds option is sometimes used by eligible providers as a means to "subsidize" the sales price of a property. Unlike traditional Community Seconds in which the funds are used to supplement the borrower's down payment or closing costs, the Community Seconds transaction secures the subsidy amount, thereby imposing a type of resale restriction.
Occasionally, a government agency will contract with a local nonprofit corporation to administer the subsidy. Under these circumstances, the nonprofit corporation may be considered a "government agency" if the lender can document that the sole source of the subsidy provided by the nonprofit is from the government agency and the nonprofit is merely acting as the administrator. A typical scenario where the subsidization may occur is the case of a government agency approaching a developer with incentives to provide a certain percentage of the units within the project at a below market sales price (typically 10% to 20% less).
These incentives can include:
reduced permit and inspection fees, and
expedited review and approval of permit applications for the builder.
In addition, because the government agency typically maintains a waiting list of eligible applicants, the builder is provided with prospective buyers for the properties.
The eligible provider secures a Community Seconds mortgage against the property representing the difference between the market sales price and the reduced sales price accepted by the builder (referred to as the subsidy). In most cases, the subordinate mortgage has deferred payments and will be forgiven at the end of a set period of time, typically the term of the first mortgage. The subordinate mortgage acts as a resale restriction by preventing the borrower from selling the property at a profit or obtaining a cash-out refinance. The terms of the mortgage may not, however, restrict the sale of the property upon foreclosure or acceptance of a deed in lieu of foreclosure.
When the subordinate mortgage is used as a subsidy to reduce the sales price to the borrower, the "unsubsidized sales price" must be used in determining:
the minimum down payment;
the borrower contribution, if applicable, that must be made from the borrower's own resources; and
the level of mortgage insurance.
The unsubsidized sales price represents the market sales price, and is calculated by adding the reduced sales price by the builder plus the subordinate mortgage amount secured by the government agency.
The LTV and CLTV ratios are calculated using the lesser of the unsubsidized sales price or the appraised value.
The following example is provided for clarity. It assumes:
the market sales price equals the appraised value, and
a borrower contribution of 5%.
|Market Value (supported by appraisal) (the unsubsidized sales price)
|Community Seconds mortgage representing subsidy amount
|$ 40,000.00
|Buyer's Purchase Price; i.e., reduced sales price (the subsidized sales price)
|Closing Costs/Prepaids
|$ 5,000.00
|Total Cost to Borrower
|Borrower Contribution (5%)
|$ 7,500.00
|First Mortgage Amount (may never exceed the subsidized sales price)
|LTV Ratio
|71.67% (rounded to 72%)
|CLTV Ratio
|98.33% (rounded to 99%)
Lenders must review the terms of the Community Seconds program to ensure that the program otherwise meets the requirements of Community Seconds found in B5-5.1-01, Community Seconds Mortgages.
These transactions can be underwritten manually or with DU. When using DU, the lender must enter "Affordable LTV" in the Product Description field in the Additional Data section on the online application, which will result in DU calculating the LTV and CLTV ratios based solely on the appraised value for purchase transactions (and not the lesser of the sales price or appraised value).
The table below provides references to the Announcements that have been issued that are related to this topic.
|Issue Date
|Announcement SEL-2018-05
|June 05, 2018
|Announcement SEL-2018-04
|May 01, 2018
|Announcement SEL-2017-10
|December 19, 2017
|Announcement SEL-2017-06
|July 25, 2017
|Announcement SEL-2016–03
|March 29, 2016
|Announcement SEL-2015–10
|September 29, 2015
|Announcement SEL-2015–08
|July 28, 2015
|Announcement SEL-2015–07
|June 30, 2015
|Announcement SEL-2014–11
|August 26, 2014
|Announcement SEL-2014–07
|June 24, 2014
|Announcement SEL-2013–07
|September 24, 2013
|Announcement SEL-2012–07
|August 21, 2012
|Announcement SEL-2012–06
|June 26, 2012
|Announcement SEL-2011–05
|June 28, 2011
|Announcement SEL-2010–13
|September 20, 2010
|Announcement SEL-2010–07
|May 27, 2010


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LIBERTY Dental Plan Corporation received full Dental Plan accreditation by URAC as of 7/1/2019
2017HITRUST Certified
2018HEDIS NCQA Certified
As a long time veteran of the dental health care industry, Dr. Goren has 20 years of executive level experience using his clinical background to provide quality care and access for members across the nation. Prior to joining LIBERTY, he was the Second Vice President, Group Products, and National Dental Director for The Guardian Life Insurance Company of America (Guardian) where his primary duties included the development of PPO and DHMO networks, managing dental claim policy, and oversight of Guardian's national dental quality management program. Before joining Guardian in 1996, Dr. Goren served in the role of Western Regional Dental Director at CIGNA Dental.Dr. Goren has the additional accomplishments of being a charter member of the California Department of Corporations Quality of Care Working Task Force and developed his clinical expertise in dentistry while running a private practice for 14 years in southern California. His academic credentials include a Bachelor of Science degree in Public Health and a Doctor of Dental Surgery degree, both earned from the University of California, Los Angeles. He continues to stay involved in organized dentistry by maintaining his membership in the California Dental Association and American Dental Association.


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Akron evens its record at 56-56 after taking three of four in the series.
READING, PA. Francisco Mejia homered and had two hits, driving in two, and Luis Lugo allowed just five hits over 7 1/3 innings as the Akron RubberDucks defeated the Reading Fightin Phils 6-2 on Monday.
Lugo (7-6) picked up the win after he struck out eight and walked one while allowing two runs for the RubberDucks, who evened their record at 56-56 after taking three of four in the series.
Akron went up 2-0 in the fifth after Mejia hit a solo home run.
Trailing 5-1, the Fightin Phils cut into the deficit in the eighth inning when Carlos Tocci hit an RBI single, driving in Drew Stankiewicz.
The RubberDucks tacked on another run in the ninth when Greg Allen scored on a forceout.


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Spisz comes from a small region of Poland in the borderland of the Carpathian mountains, just north of Slovakia. The region is an reflection of the historical relations between Poles, Hungarians, and Slovaks. It is a very vibrant and exciting dance that has drawn its style and costume from the crossed over relationship of those ethnic groups With its fast "czardasz" melody and crisp representation, this is definitely a highlighted dance for SPK ISKRY.
Choreography: Krysia Kovach & Robert Langtry
Music: Kapela Zgoda
Goralski comes from the deep Carpathian Mountains of Southern Poland, a dance of the mountaineers from Podhale. It's a region home to the indigenous "Goral" or "Highlanders" people of Poland. Highlander culture is distinctive as it is rich in its architecture, music, painting, and its colourful costumes are highly original, representing the unique environment in which they were created. This dance is a couple dance, however partners do not dance with each other, but around each other in an effort by the men to impress their women. It is one of the most intriguing dances and therefore one of the best known, an SPK ISKRY classic.
Choreography: Sandro Barbosa
Music: Stanislaw Moniuszko, Opera Halka
Zbojnic is another dance from the mounatineers "Goral" Podhale region which originated from the men who roamed the region. It is a men's dance that displays their very strong culture and folklore commitment throughout the Carpathian Mountains. The men dance around each other in an effort to show their strengthen and ability in performing complicated footwork.
Choreography: Krysia Kovach
Music: Trebunie Tutki
From Poland's high Beskid Mountains this dance combines the entire regions elements under one performance. Elements including: Kon – The Horse, Siustany, Pasterze, Sarna, and Hajduk, all of which offer the different steps and vibes of the collective region. Beskid Zywiec is an exhibit of the regions high leaps, energetic style, and acrobatic patterns. It is performed with the couples dancing with each and also the men trying to show of their footwork, with the women responding with their own. The stages and flow of the dance will make sure you are always entertained.
Choreography: Krysia Kovach
Music: Pan Kozbiol i Kapela
Performed only by women, the music and steps are influenced by the vast and rich culture of the traditional "Gorale" (Highlanders) in Southern Poland.
Choreography: Krysia Kovach & Robert Langtry
Music: Kapela Harnasie
This Rzeszow dance from the southeastern region of the Polish-Ukrainian borderline is influenced by various of ethnical groups that dominated or habited the area. It is a dance of variety and humour with its distinct characteristics and amusing costumes. The men and women taunt each other in song between various steps and movement. It is lively and dynamic tinted with a spirit of humorous moments and songs.
Choreography: Bozena Langtry
Music: Various musicians from Rzeszow, Poland
This dance is a representation and the influence by Roma people (Gypsies) from around Europe. The steps and characteristics are shared from Poland, Slovakia and Hungary.This unique dance has lots flair from its Roma brothers. Fast and precise, this dance doesn't miss a beat and will keep you on the edge of your seat.
Choreography: Krysia Kovach & Robert Langtry
Music: Romowie
This dance originates from the old capital city and vibrant centre of Polish folklore, Krakow. The Krakowiak is one of the most popular and characteristic Polish folk dances with its representation of historic traditions and art. It's filled with high energy, even tempo, and easy strides demonstrating spirited abandon and elegance at the same time.
Choreography: Sandro Barbosa
Music: Mazowsze
Szcawnica, Beskid Slask, Polka Sadecka, Nowy Sacz, Wielkopolski, Zywiec Mieszkanski, Kolomajki, Kaszuby, Lubelski, Opoczno, Polonez-Mazur, Mazur, Polonez, Winogrona, Swietojanski, Sarocz, Przepioreczka, Polka Warszawska, Lowicz, Lemki, Kujawiak, Kujawiak-Oberek, Jurgow
Szatmari (Hungarian), Kalotaszegi (Hungarian), Pirot (Serbian), Moldavian, French-Canadian


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Veterans vs. Rookies
Season 4 • Episode 4
Rookie consultant, Jessica, joins the team. Mirjana needs to walk out of the store with a dress that day. Akilah visits the store to try on "The Sarah Dress." Bethany, a wedding planner bride, is looking for the dress to top all others.
21 min|TV-G|Premiered 09/19/2009


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Press Release: How to save yourself a £100 fine for late filing
The LITRG is urging taxpayers who miss the Self-Assessment filing deadline on Tuesday (31 January) but who have a reasonable excuse for the delay, to appeal against penalties for late filing.
LITRG supports HMRC's efforts to encourage people to file returns and pay tax due from them by the proper date. But the campaign group is concerned that some of those who do not make the deadline may not appeal against sanctions for late filing because they are not aware of their rights.
Anthony Thomas, LITRG Chairman, said:
"We are anxious that people may feel somewhat panicked by penalty notices from HMRC and just pay financial sanctions for filing Self-Assessment forms late without considering that there may be a perfectly good reason for the delay in filing that may make them eligible for special treatment."
LITRG is reminding taxpayers that there could be extenuating circumstances where someone may be able to avoid a penalty by claiming what HMRC define as a 'reasonable excuse' for filing their tax return late. These could include flooding or severe weather problems, but also life events such as serious illness or bereavement, and other causes beyond the taxpayer's control.
It is important that even if a reasonable excuse is established, the taxpayer files without unreasonable delay once the excuse has ceased. For example, if illness prevented them from filing on time, they must file as soon as reasonably practicable when they recover from their illness. It may be that a combination of reasons, rather than a single reason, together may constitute a reasonable excuse. In all cases full details must be sent to HMRC.
An online copy of the form that may be submitted with a late tax return, claiming reasonable excuse, can be found on the GOV.UK website. If someone has received a penalty notice, an appeal notice will usually accompany it but, if not, the appeal notice can be downloaded from the GOV.UK website. People can also send in a letter to make an appeal.
Separately from late filing penalties, HMRC may also charge a penalty if a taxpayer submits an inaccurate return to HMRC which results in them understating their liability to tax or claiming too much by way of loss relief or repayment of tax. It typically amounts to 15 per cent of the tax understated. For a penalty to be properly chargeable, the mistake must be 'careless' or deliberate.
'Careless' indicates they have failed to take reasonable care, but what constitutes 'reasonable' care depends on the individual's particular circumstances and abilities. For example, a mistake which may be deemed reasonable for a pensioner with no prior knowledge of the tax system may not be thought reasonable if perpetrated by a qualified lawyer or accountant [for more information about inaccuracy penalties, go to GOV.UK].
If a mistake is not careless but a genuine error made while exercising reasonable care, HMRC is not entitled to charge a penalty at all. This is the case even if their tax liability is understated as a result of the error.
Anthony Thomas said:
"It is important that people are aware of their rights and duties. If someone who is charged a penalty for inaccuracy in their return believes their mistake was not careless as defined by HMRC, but an honest mistake despite taking reasonable care, then they should appeal against the penalty notice."
A reasonable excuse is normally something unexpected or outside your control that stopped you meeting a tax obligation, for example:
- your partner or another close relative died shortly before the tax return or payment deadline
- you had an unexpected stay in hospital that prevented you from dealing with your tax affairs
- you had a serious or life-threatening illness
- your computer or software failed just before or while you were preparing your online return
- service issues with HMRC online services
- a fire, flood or theft prevented you from completing your tax return
- postal delays that you could not have predicted
You must send your return or payment as soon as possible after your reasonable excuse is resolved
Our website provides more information about penalties.
Contact: Kelly Sizer (please use form at /contact-us) or follow us on Twitter: @LITRGNews


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Credit card, the implausible credit instrument, not only gives you the convenience of access to credit at any point of time but also helps you building a strong credit history and credit score. Today the banks and credit card companies offer various kinds of cards to suit the needs, requirements and tastes of individuals.
Convenience – Credit cards can be used for all offline and online purchases throughout the world and at any given point of time.
Security – Acceptance of credit cards for medical and other such expenses gives a sense of security to the card holder
Safety – Recovery of lost cash is nearly impossible. However, if you lose a credit card, all you need to do is inform the card issuing company on their 24x7 customer care center and they block the card instantly. Once informed the card cannot be used.
Interest free loan – If one pays complete amount spent within the due date, he is not charged any interest. This means that a credit card extends an interest free loan for 45 days
Tracking expenses
One can track expenses through the detailed expense statement received from Credit Card Company. This can help one understand and manage their expenses.
Reward program
Variety of reward programs help card holder derives further benefits from their expense. The reward programs vary from exchange of points against merchandise to cash back
Credit score and credit bureau report play an important role in processing of the credit card applications. A few credit card companies do not process the credit card application for underwriting in case the credit score is less than a threshold.
The credit card companies and banks generally need a minimum income of Rs 25,000 per month to consider an application for credit card. The higher variants of credit cards need a higher income band for an applicant
Self-attested copes of income documents (Payslip/Form 16, Income Tax returns etc) and KYC documents (photo id proof and address proof) are required to be submitted by the applicant. Availability of PAN number is mandatory.
Regular credit cards – these are vanilla cards where the card holder can buy now and pay later (on or before the due date). These cards come with the flexibility of paying as low as 5% of the total amount due each month in case the card holder finds it difficult to pay the entire due amount in one go.
These are the cards that are issued against a fixed deposit. Generally a limit of upto 80% of the deposit amount is extended on the card. These can be used like any other regular credit card. These are a good option for individuals with low or zero credit history
Certain credit card companies offer cash back on the purchases. These could either be a direct credit to the credit card account or could be utilized against the annual fee of card
These cards are co-branded with specific airlines and the card holder gets variety of benefits from that airline. Frequent flyer points get added to the account on each transaction and can be redeemed against airline tickets
These again are co-branded cards with loyalty programs from various large companies or brands that offer benefits on items purchases from the co-partner of the credit card.


text: There is no secret to meeting women, all you have to do is have the ability to talk to them. Therein lies the problem. I have never had the nerve or talent that would enable me to approach a woman. I couldn't approach a woman to strike up a conversation to save my life. I had the misfortune of being seated next to a woman at a class a few years ago, and I was so intimidated by her mere presence I didn't say one word to her for the duration of the class, which was about 7 hours. I haven't so much as had a cup of coffee with a woman in over 21 years. And, of course, since I don't look like Brad Pitt or George Clooney, the women aren't going to approach me. Besides, society says the man is supposed to be the one pursuing. Anyway, it's gotten to the point that I don't leave the house unless it's necessary because I know if I do, I'll see women everywhere whom I would love to meet, but will not meet because I can't talk to them. So I stay home and read or watch T.V. Hell of a life, isn't it?


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Did you know that as much as 80 percent of your lifetime exposure to sunlight happens before the age of 18? This early sun exposure slowly causes DNA damage and puts us at risk for skin cancer later on. One of the biggest risk factors for developing melanomas is the frequency of sunburns as a child. In other words, your lifetime risk factors for skin cancer can be largely predicted even before you leave high school!
The obvious solution is to use protective sunscreen or clothes at all ages – but especially in childhood. Most parents are great at protecting babies and toddlers from the sun, but only 25 percent of teens use sunscreen. Appeal to your teen's vanity by telling them that daily sunscreen use prevents wrinkles; if greasiness is the main "ick" factor, I recommend the Neutrogena line of sunscreens (including the men's aftershave). They absorb into the skin with a dry, light feeling. Parents should also lead by example by putting on sunscreen every day during the summer months; don't forget the oft-neglected ears and toes. After all, it only takes 20 minutes to get sunburned in midday.
Parents and teachers can find kid-friendly educational material at SunWise (www.epa.gov/sunwise), a website created by the US Environmental Protection Agency. Studies from countries with thinner ozone layers, such as Canada and Australia, showed that regular use of SPF 30 sunscreen over several years lowered children's risk of forming moles – an early stage in the development of melanomas. Another study showed a 50 percent drop in melanoma rates among adults who regularly used sunscreen.
However, don't go overboard with SPF ratings. Supermarkets are now filled with expensive sunscreens outdoing each other: SPF 70, 90, even 100! Is higher better? "Definitely not," say most doctors, including dermatologists. Any SPF over 50 is overkill and a waste of money; at SPF 30, you're already eliminating the majority of ultraviolet rays. Last year, the US Food and Drug Administration (FDA) decided to ban any sunscreen labels over SPF 50, forcing manufacturers to simply print "SPF 50+."
That being said, a bit of sunlight is essential to good health. People who constantly use sunscreen may actually have low levels of vitamin D, which can cause a whole other set of health issues. I generally recommend vitamin D as a supplement for both kids and adults.
(This article was originally printed in Beijing Kids magazine, where I am a contributing editor. You can click here to read the rest of my BeijingKids "The Doc Is In" columns.)
Follow me on:
Twitter @RichardStCyrMD
Facebook @BainbridgeBabaDoc
Photography: richardsaintcyr.com


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Share Radio gets Ofcom approval to launch
Share Radio will predominantly be speech-based "with a focus on personal money and investment and offering listeners information and guidance on such matters." There is the option for what is described as "additional light music content."
The Telegraph's City Diary briefly mentioned the impending arrival of the station on 6th August 2014, reporting that the station, set up by Gavin Oldham, is "designed as a wake-up call to help listeners make "more informed" financial decisions on issues from investments to car insurance."
The service will launch as an additional station on the London 3 DAB multiplex, alongside existing services such as Absolute Classic Rock and Fun Kids.
UPDATE 04/11/2014: The station went live on London 3 this morning. You may need to rescan your DAB radio to get the new addition.


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The Virunga mountains vegetation could change if not protected
Very many apologies to all fans of this Blog for not updating it regularly-not posted anything for a very long-time, I promise this year, to post great content.
The famous Virunga Mountains Gorillas will feature a lot, and they will be brought to life. The History of Bwisha Kingdom and Banyabwisha will be told, the Batwa plight will also be addressed on a regular basis.
The Kinshasa city and Congolese comic project is still being developed. However, this project is to extend to Uganda,Rwanda,Angola,Burundi, and Tanzania. The reason for this, is very simple.
When constructing a city, you have to plan the sort of infrastructure that will support it-as I mentioned before, I'm using the actual locations(measurements) and I've looked at the impact on the environment,and demography. The main purpose for this project is to set a precedent using creativity as a methodology for creating peace and development in the great lakes area
Having fan and interacting with characters is crucial to this project


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Year End and my perpetual confusion about where I am and what day it is.
We are home again and in the strange time-warp of coming home at an odd time during a holiday week. Usually we are in NY until NewYear so I always mentally say good-bye to the MN year before we leave but this year we got home with 2 days to spare. It was good to have these days to unwind and sleep a bit and get back on track, but, we have zero New Years plans because we are never here that day. Given the 3 under 6 crowd I don't think we would have really planned anything but as of now (5:30 NYE) the plan is to play some games, eat dinner, experiment with Keurig drinks, watch a family movie and hopefully have a nice time at home. The normal swim lesson and workout for a normal Tuesday is out the window.
Taking one step back, to any who were wondering the return flight was highly uneventful. We got there in plenty of time. Suncountry is in an international terminal of JFK so it was us, those going to South Africa and those going to the Middle East – you can guess who was the minority in that place. Big positive; Hummus! The girls feasted on hummus and declared it way better then McDonalds. It was a full flight but the nice Indian man who sat next to us was extremely nice. He thought Fiona was a baby goddess and said he missed having people fall asleep on him since he is used to Inda level crowd and for any that don't know, that makes a normal cramped airplane seem perfectly acceptable. Another cultural difference; I asked if he had kids and he said "No! I'm only 35… maybe in a few years". I didn't tell him I was younger but age is pretty relative and culture is pretty strong and I wish him well on his quest for a wife (in a few years when he goes back to India per plan). I really do like meeting people on airplanes, just like Fight Club says, it is a nice little mini friendship.
We came home to a clean house thanks to cleaning mania before we left but in no time we made it look like 67 kids lived here. Returning on a Sunday was odd but then we swapped daycare days and Niamh is still on vacation so I'm constantly wondering what day it is. I remind myself that today is Tuesday even though I did no Tuesday things and quite a few Monday things…. whatever… at some point it will be the weekend and next week will get back to 'normal'.
No time tonight for an introspective of 2013 – I have kid dinner to referee and then hopefully a beer in the hot tub to ring in the new year.
All the best to all of you – see you in 2014 (except for my friends in Australia that are there already 😉
Christmas #2
Taking a few days off
Christmas Day (so far)
Stockings in bed from Santa
Extreme excitement for the gifts to come
Even Fiona got with the program after days of "don't touch!" She finally got to open
And there was even some snow so Zoe says it can officially be Christmas
Happy Christmas to all, we are all pretty happy here.
Ps. Sorry for blurry pictures, they are so excited they are blurry in real life too.
Christmas full steam ahead
I took the weekend off, it was a busy one and I'm not even positive I can tell you what we did what day because it was a whirl wind of activity.
We arrived in good order, leaving just ahead of the storm that is squatting on the midwest. The flight was super full so someone got the pleasure of sitting between me and Niamh and I had a cyclone sitting on my lap. I know everyone says it, but, Suncountry planes seem to be tighter then average and I was wishing for just an inch more space. Lars sat near a smelly person so he had it worse in some ways but I left the plane beat up and battered by tiny fists of fury.
That night and the next day were the normal visiting and getting settled thing with the notable issue of Fiona becoming nocturnal. At midnight she was using me like a jungle gym and at 1am she was using the bed as a trampoline. I could not put her in her bed or she would scream like crazy. It was a very long night and I am glad I could just shove her at the first adult I could see (my dad) and go back to bed.
My sister and her crew arrived last night and now it really feels like christmas with everyone together and friendly chaos.
So far I have all but 1 or 2 things purchased and I have 2 projects to complete and then there is all that pesky wrapping to do. I am done with the girls nightgowns for this year, the fabric is not super christmas but I love the owls (for Zoe) and the fox (for what does the fox say) and both were a big part of the year. I cranked them out in about 2.5 hours and Fiona's took longest because I had to do a neck facing because of her big baby head. I have christmas outfits for them all too so I'm pretty square there.
My time on the computer is just about up so if we want pictures I need to stop here. Hope everyone is doing well with the holiday countdown or just enjoying this week in December.


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I may have mentioned previously that my own personal motto is 'You don't ask you don't get'. As a result, I ask for gifts regularly (and successfully) and am often questioned by my peers about the best way in which to go about this crucial area of fundraising.
There are many theories about when the right time is to make THE ASK. Should you always ask for a gift in your first meeting with a prospect? Should you wait until the third contact with them? Should they have received regular mailings for years, had a few meetings with you, as well as engagement through event attendance? I would say none of the above. Or all of the above. The secret is, IT DEPENDS.
Making an ask should never be something that you have to worry about the timing of. It should be the natural progression of your relationship with someone, be them an individual, or representing a company or trust.
You will have been open about why you were meeting the prospect in the first place. You will have had enough discussion that you'll have found out about interests of the prospect – whether they need to meet someone else in the organisation, or make a visit, or hear about a specific project. You might know a little about their previous philanthropic activity. You will know from them whether they need time, or if they are ready right there and then make a gift - either to test your organisational processes and stewardship, or a more substantial amount.
You might have the information that you need in 5 minutes, or it might take 5 years. Some individuals might bring a cheque with them. Sometimes they will have no intention of giving in their lifetime but want to discuss a legacy.
So a quick recap, we have so far basically discovered that everyone is different and all situations need to be analysed individually. Are there actually any tips then? Ok, here we go…
Listen very carefully to your prospects. They will give out signals. Some might be as obvious as asking about the cost of your projects or how to make a gift. This is clearly green light territory.
They might ask for more information, or simply seem interested and ask questions, but still seem guarded or unsure. Take this as amber. Follow up quickly and comprehensively, recapping your discussion and ensuring you answer any queries. Then meet them again to discuss in more detail. Maybe many times. You should really consider drawing up a cultivation strategy in this case – invite them to relevant events, or to meet individuals that might engage them. They could be a very good prospect in the future.
On the other hand, you may have a difficult first meeting. Complex questions, accusations about your charity, anger expressed about the way your prospect has been handled by someone in the organisation in the past or bad experiences giving philanthropically elsewhere. Remember thought that this person has made time in their diary to meet you. They are engaging, even if they are upset, angry or seem uninterested. They are interested enough to have come to tell you how upset or disappointed they are. Again, consider a long term strategy of engagement and cultivation. They probably want to be persuaded to re-engage and could be one of your most vocal supporters in the future.
Hannah (@hannahbrodie)


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If you want to install a gutter guard, you do not necessarily have to be a trained craftsman, because it is easy to install a gutter guard, while observing individual specifications. It is important, however, that sufficient time for the roof gutter installation is planned so that the rain gutter guard can reliably perform its service – namely the roof drainage in the long term. You can also add a rain barrel in your home. So, to choose the best rain barrel you should know what the main factors to consider before buying it.
Table of Contents
Necessary tools to install gutter guard
It is not possible to mount a gutter guard with bare hands. Different tools are required. These include a water tank, a hammer, a fine-tooth saw, an electric screwdriver, measuring tape and cord. Also, pincers and sheet shears should be provided. Also, a few screws and nails are needed.
Tips to install gutter guard
Since you need to install different tools, but also both hands, you need to carry a tool belt where the utensils can be stored practically. Furthermore, it is useful not to realize the project alone. For example, fathers can include their children, because they can also have a hammer, they have fun with it and even learn something else. To buy the best gutter guard you should be very careful because all the gutter guards are not easy to install.
Steps to install gutter guard
These steps are necessary because a gutter guard usually runs underneath the roof tiles become.
Any distances between the roof panels must be measured so that the tiles can be reinstalled correctly. If the roof gutter is to be mounted on a garage or a garden house, it should also be noted that there is usually no roof plate and therefore one must be installed in the appropriate length. Next, the trench iron must be fixed and aligned. The first channel iron is bent along the measured distance between the tile and the roof edge and fastened securely with screws and nails. A pincer should be used to bend the trenches.
The remaining channels can be processed in the same way. Now the guideline comes into play. This is laid across the roof, from the lowest to the highest point of the channel ice. In this case, however, the gradient must be observed, which can be checked with the water balance. Then the string is pulled back again, to the other side of the roof, where the second channel iron has been attached. If the slope is always in the eye, then the remaining trenches can be stretched between them. Attaching the gutter guard with all the brackets are mounted, only then the gutter has to be used.
How this serves, depends on the nature of the gutter guard and the other hand from the manufacturer specifications. Thus, the individual elements of the gutter guard have to be accurately sawed and laid accordingly. It should always start with a corner piece and end with one. While plastic canopies can be plugged together, metal gutters have to be frequently soldered. This information can be taken from the manufacturer.
Lastly, a leaf grille should be placed in the gutter guard, so that the rain gutter guard is safe from the leaves. The previously removed roof tiles can then be reattached. With these few steps, the gutter has already been installed and from now on responsible for the professional drainage of the house roof.


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Roundtable: What do you see as the most important emerging XML standard?
It seems every day there's a new XML proposal or protocol. It can be confusing. So we asked the keynote speakers at XMLEdge 2001 to briefly outline what they thought was the most important emerging XML standard. Here's what the experts had to say...
|Our Roundtable Panel Members
|Dr. Charles Goldfarb
|Dirk Slama
|Steve Benfield
|Annrai O'Toole
|Dave Chappell
|Father of XML Technology
Shinka Technologies
Cape Clear
Sonic Software
Welcome to this Roundtable Q&A. We posed our roundtable question to several leading authorities to gain insight from the experts in the trenches.
searchMiddleware: What do you see as the most important emerging XML standard?
Dr. Charles Goldfarb:
"XPointer. One of the biggest problems on the Web is the miserable navigation. A link has to take you to the top of a page -- even if the interesting part is near the bottom -- unless the designer put in anchor tags. XPointer lets you link anywhere in a page without the page designer having to do a thing. The standard is only supposed to be for XML, but an implementation should be able to handle HTML reasonably well. After all, they're both SGML."
Dirk Slama:
"We first need to get the core communication standards such as XML Schema, SOAP, and WSDL straight, especially with respect to interoperability. This might take a couple more iterations, but we are getting there.
On top, there are very promising higher-level frameworks, such as the OASIS Business Transaction Protocol (BTP), a transaction protocol with takes the loosely coupled nature of Web Services into account. IBM has started some very interesting work with the Web Service Endpoint Language (WSEL), which deals with establishing service level agreements between Web Service providers and subscribers."
Steve Benfield:
"SAML. Security Assertion Markup Language. This is the standard for passing security assertions from process to process. Using SAML one process can authenticate a user and then call another and tell the other process that this user is a certain type of trusted user-without necessarily giving the user's identity away.
For example, system one can authenticate and determine that you are a premium user and have paid your fees for the year. System one then calls system two and tells system two about your status. System two can determine whether to provide its service based on your security assertion-however system two doesn't need to know exactly who you are-just what your assertions are. SAML is needed to help complete the Web services picture just as transactions are needed."
Annrai O'Toole:
"SOAP is without doubt the key to Web Services. Utilizing existing network infrastructures such as Http and Smtp makes way for widespread usage of Web Services across the enterprise.
We are very interested in the potential applications of Web Services with Smtp which opens very exciting new opportunities."
Dave Chappell:
"E-business today is based on or has its origins in XML. XML will continue to be the way in which data is represented, services are described, and interactions are defined. As for emerging XML standards, I would say that SOAP (Simple Object Access Protocol) and ebXML (Electronic Business XML) may have the greatest impact on how applications will communicate with one another and just how successful Web services becomes."
Discuss XML and Web services with your peers
The Best Web Links for Web services
Bio of Dr. Charles Goldfarb [ Back to Top ]
The Father of XML Technology
Dr. Goldfarb invented the SGML language in 1974 and later led the team that developed it into the International Standard on which both HTML and XML are based. He serves as Editor of the Standard (ISO 8879) and as a consultant to developers of SGML and XML applications and products.
While at IBM Dr. Goldfarb led the project that invented SGML's precursor, GML, in 1969, for which he coined the term "markup language". He edits Prentice-Hall's "Definitive XML Series from Charles F. Goldfarb" and co-authored "The XML Handbook" and the "SGML Buyer's Guide". He has been profiled in Forbes and other publications, and the Seybold Report cited his "SGML Handbook" as the definitive reference on SGML.
Dr. Goldfarb is an Honorary Fellow of the Society for Technical Communication and holds the PIA Gutenberg Award. He is a graduate of Harvard Law School and Columbia College.
Bio of Dirk Slama [ Back to Top ]
CEO of Shinka Technologies
Dirk Slama spearheads the Shinka mission to transform diverse corporate IT systems into unified e-business environments. As CEO and co-founder, Dirk Slama provides strategic and operational direction for all facets of the company's business, with a focus to achieving industry leadership in the e-business integration marketplace. With a deep commitment to excellence, Dirk Slama has assembled a top-notch team, with technical experts focused on delivering quality products and professional services, and support by a skilled marketing and sales operation. An internationally recognized expert in enterprise application integration (EAI), Dirk Slama is the author of "Enterprise CORBA," a top-selling book on systems integration strategies.
Bio of Steve Benfield [ Back to Top ]
CTO of SilverStream
Steve Benfield is Chief Technology Officer. He joined SilverStream as the Director of eBusiness Strategy when the company acquired Bondi Software in December 2000. Steve has more than 15 years of experience delivering innovative Web & IT solutions. Steve helped form Bondi Software in 1998 and has served as VP of Consulting and Chief Technology Officer. His duties at Bondi included strategic management, technology direction & training, and business development. Prior to Bondi, Steve was Director of Technology for Financial Dynamics (FDI), a 225 person IT consulting organization, where he managed FDI's Sybase relationships and was head of the PowerBuilder consulting practice. While at FDI, Steve researched Java-based Internet solutions and was instrumental in FDI's Java research initiatives. During this R&D period, Steve helped form FDI's SilverStream practice which led to the formation of Bondi after FDI merged with Ciber.
Bio of Annrai O'Toole [ Back to Top ]
CEO of Cape Clear
O'Toole leads the corporate strategy and plays an active role in the ongoing management of Cape Clear. Prior to joining Cape Clear, O'Toole founded and served as Executive Vice President and Chief Technical Officer of IONA Technologies. O'Toole remains on the board of IONA and several other new technology companies.
O'Toole began his career working with many European and international standards bodies to develop standards for software interoperability. With these and other initiatives, he has helped define the direction of the computer industry. He holds an MSc in Computer Science and an Electronic Engineering degree from Trinity College, Dublin.
Bio of Dave Chappell [ Back to Top ]
CTO of Sonic Software
David Chappell is vice president and chief technology evangelist for Sonic Software Corp. Dave has over 18 years of industry experience building software tools and infrastructure for application developers, spanning all aspects of R&D, sales, marketing, and support services. Dave has also been published in Network World magazine, Java Developers Journal, XML Journal and Java Report. Dave has presented technical topics at numerous speaking engagements including JavaOne, XMLOne, and XMLDevCon. David Chappell is co-author of "The Java Message Service", published by O'Reilly & Associates. This book is currently the first and only book on JMS available in the market today.


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Pen drawings by Netherlands-based artist Redmer Hoekstra that play with form, meaning and function by combining different objects to create strange and humorous connections. Hoekstra finds his inspiration on the road or riding the train as his mind floats through the landscape and new connections appear.
I've always loved alienation and fantasizing, daydreaming. As a child I had all kinds of theories about how the world worked. At the Academy I was able to rediscover this and process this in to my work. How things work is a fascination of mine and in many drawings you can find this. I open up appliances and objects and freely change what is inside. Often a subject gets a completely different feeling or meaning.See more of Redmer Hoekstra's work on Behance or at his website.


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RYT 300 Yoga Teacher Training
Date: 13 February - 20 March
Cost: USD $5610
Our Bali RYT 300 hour Yoga Teacher Training is accredited with Yoga Alliance. With the RYT 200 hour prerequisite graduates are able to register with Yoga Alliance as a RYT500.
This RYT 300 course offers a comprehensive, intensive and practical training for teaching yoga on a deeper level by expanding one's knowledge in specific areas of Yoga.


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The Hypervolt is a cordless state-of-the-art vibration massage device that helps relax sore and stiff muscles to improve mobility.
$ 599.99
The Hypervolt is a cordless state-of-the-art vibration massage device that is lightweight, easy to use, and extremely quiet due to the quiet glide™ technology. This innovative tool relieves muscle stiffness and soreness, while increasing circulation and range of motion to help improve the overall health of the body's soft tissue!
Specifications & Features:
• Powerful high-torque motor featuring Quiet Glide Technology
• 3 speed settings deliver up to 3200 percussions per minute
• Rechargeable lithium-ion battery (up to 3 hours of use per charge)
• 4 Interchangeable head attachments
• Lightweight (2.5lb) ergonomic design
Out of stock


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Louth couple Tina and Steve Grant-Brown, who hit our television screens in November when they won an episode of BBC1's Bargain Hunt', have recently handed over their winnings to the Lincolnshire and Nottinghamshire Air Ambulance - as they promised.
The couple scooped an £85 profit in the episode - which also saw them win the prestigious 'Golden Gavel' for making a profit on all three of their selected items at auction.
Do you have any photographs for 'Picture of the Week'? Send them in to firstname.lastname@example.com


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Lovely Sea Views. Situated in a quiet area .Walking distance the beach. Neat spacious home with modern fixtures consisting of:-
Ground floor:- Open plan lounge/dining room/ modern wooden kitchen with breakfast nook, granite tops,extractor fan,under counter oven,hob + washing machine/dishwasher fittings.3 Bedrooms ( 2 with lovely sea views). Guest bathroom. Lounge leads out to an enclosed veranda.Veranda leads out to an open enclosed patio. Air conditioners in lounge+dining room.House fully tiled with aluminium windows.
Upstairs:-Staircase from dining room leads to the large main bedroom with full en-suite + balcony with lovely sea views.Plus another small bedroom with shower/toilet/basin.
Outside :-Flatlet with 1 bedroom,lounge,kitchenette,shower/toilet/basin.
Double automated garage (tiled floors)with access to kitchen. Paved driveway.
Burglar alarm +outside beams installed.Outside shower.Property walled with electric fence. Automated gate . Roof tiles.
Stand- 1014 sqm. Building-380 sqm. Rates-R 1200. Sold fully furnished.
Contact:- John Rielly--- 084-7191961 or firstname.lastname@example.com
Facebook- Property Port Edward KZN


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August 22, 2017
I'm a security camera freak, I keep searching for new models and scour the internet for new models and ideas. My husband is also interested in such things. Last day I found an article in CNET, on 7 features to look for in a security camera motion sensing, two-way audio, field of view, power source, low-light, cloud or local storage. Where can I meet all these features in a camera brand?
October 15, 2014
I would recommend looking at our Prime series or Sibell series of products for the features you are looking for. Both product lines have DVR's and NVR's that are full of features and the same is true for many of their cameras.
Some features you will find are:
Indoor / Outdoor rated, able to withstand mother natures elements
Audio capabilities
Range of options for various lens sizes where you can choose from a very wide angle of view down to a very narrow angle of view
Low power consumption
Most cameras operate very well in low light applications
Wide dynamic range
Day/Night mode, which can provide a better night time image when there is ambient lighting
Great night vision capabilities via Infrared lighting, and many more features!
For our Prime series please visit: https://www.securitycameraking.com/all-prime-series-330-ctg.html
For our Sibell series please visit: https://www.securitycameraking.com/all-sibell-series-318-ctg.html
All of our recorders offer local storage only as we currently do not support cloud based storage.
If you would like to speak with one of our specialist please call our sales line toll free at 866-573-8878 and choose option # 2. You can also reach a sales specialist via our Live Chat option on http://www.securitycameraking.com
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Australia (AUD)
One Brand, Two Stories. Learn more
One Brand, Two Stories. Learn more
We have a new Carhartt WIP website for customers in the US and Canada. Now offering domestic shipping and returns. Check it out.
The Script Embroidery Sweatshirt is constructed from a heavyweight cotton-poly blend. Features our Script Logo embroidered on the chest. Ribbed cuffs and hem.