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Still living off credit cards? Can't figure out how much you could or should spend? Need to save for retirement? Deborah McNaughton, a Placentia credit expert, financial coach and author of "Money Trouble: Surviving Your Financial Crisis," is here to provide her financial advice.
Q. I received my credit card statement with multiple charges from a hotel that I recently was a guest at. I paid the bill with my credit card, but the statement had other charges from the hotel on it that I never made. What can I do?
A. The same thing happened to me a couple of years ago. It is a hassle to get straightened out. In my case, another person's room somehow was charged to my account and once discovered was quickly corrected.
The first mistake you made was not checking your credit card purchases after returning from your hotel stay. You don't have to wait to get a formal statement from your credit card company to review your purchases. It can be done through the credit card company's website or by phone.
Now that you have discovered the excess charges, you need to call the credit card company to see who made the charges and if they were referenced by the hotel.
Once you have learned the details of the purchase, you need to call the hotel with the information that you have and ask them to verify the charges. Many times when a reservation is made and you check in at the hotel, the hotel will put a hold on your credit card for the amount of days you will be staying.
If the amount they are trying to hold is too large and the credit card company does not accept the hold, the hotel will try using smaller increments of funds. For example if the estimated bill is $200 and your credit card won't accept $200, the hotel will try to put $50 increments.
The person placing the hold may make so many attempts to run the card that the charge actually will run over the amount of the bill and will not be caught. A word of caution: If you didn't contact your credit card company to let them know you were traveling and several attempts are made to run a charge by the same vendor, they will freeze the account until you tell them otherwise. Make the call before you leave town!
When you go to check out, frequently the hold on your credit card is not lifted for several days, and the whole charge is put onto your account. It would then appear on your statement with the small increment charges which were used to hold your account plus the charges you made for staying at the hotel.
If you discover that the hotel has not released the hold on your credit card, instruct the hotel to contact your credit card company immediately and initiate the release of the hold and be sure the amount is correct. This should credit your account with the amount of money that was placed on hold.
Contact the credit card company within five days of your call from the hotel to verify that the hold was released. If it has not been released, send a letter to the credit card company and hotel refusing to pay for the charge. That usually gets things rolling and corrected real fast.
Do you have questions about credit, dealing with debt or budgeting? Send your questions to firstname.lastname@example.com with "credit question" in the subject line. Please include your name and a phone number where you can be contacted; they will not be published.


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Sorry for being away so long; I'd like to say that I've been really busy with work and other unpleasantries but truth be told, it was my birthday!
And birthdays mean lots of lounging around, being waited on hand and foot (hopefully), sat around drinking cocktails and scoffing birthday cake. For the past two weeks I've been in the birthday mindset and been totally lazy- my gym bag has been in my car, unused for three weeks! Oh dear...
Anyway, I wanted to share my fave birthday present which was gifted to me by my amazing boyfriend.
Drum roll please.
Another pair to add to the collection!
I've had my eye on them on Motel Rocks since they went live so was really chuffed to get them! They're so bloody high but amazingly comfortable- even more so than the Lita's, I would say; I think there's extra padding inside.
I love them because they're a bit different. I find that the Lita has been copied to death and there are so many good fakes that sometimes I go out in mine and doubt that anyone knows the difference. These are really quirky; I love the curved heel, cut out back and the distressing around the toe. They're really unique.
If they look a little scuffed it's because I'd already been out in them. Far too keen.
The Jeffrey Campbell shoe boxes are always so lovely with pretty illustrations on them.
I wore them out on my birthday and lasted all night without blisters or having to limp, dance standing on the spot or taking them off- a feat rarely achieved by most of my other shoes!
I also wore them out to the cinema earlier this week (watched Looper, it was brilliant!). This is what I wore:
|Earrings: Car boot sale; Patterned blouse: £3.50, charity shop; Cuff: Portugal; Shoes: Jeffrey Campbell @ Motel Rocks

subset: commoncrawl


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Refinery 29 is one of my guilty pleasures. It's a New York-based blog that follows the cutting edge in fashion trends. Basically, it's the kind of place that encourages you to go out and buy a bunch of weird stuff that – even if it doesn't earn you some puzzled looks from your more conservative friends – will be out again in one year. (I learned that the hard way.) Still, I can't bear to unsubscribe to their thrice-daily emails, and on Earth Day I was rewarded with a great guide to eco-friendly fashion.
It's got three pages packed with beautiful designers and websites where you can get your fashion fix without doing too much damage to the planet. I absolutely love the white draped/gathered dress above!


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A Blog About Film Photography and Film Cameras: Traditional, Experimental, and Alternative Processes.
Monday, October 27, 2014
Bonanza #3: The Old Barn
Posted by MyVintageCameras at 12:43 PM
Labels: Colorado MIning, History, Kodak T-MAX 400, Mamiya, Mamiya 7, Mines and Ghost Towns, Road Trips, The Barn Project, UWPC, Wide Angle Lens
2 comments:
I know this is about the barn, but I cannot resist commenting on the detail of the clouds.ReplyDelete
That is a result of the very dark orange filter. A red filter would have produced an almost black sky. My husband shot the same scene on the Mamiya 6 without filters. I'll post some of thsoe next week and we can have a B&W filter discussion.ReplyDelete
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Welcome! My name is Mary Ann Pickett.
My family and I have lived in many beautiful places such as San Francisco (currently), Newport Beach, Florida, Paris, Chicago, and New York. After college, I worked in advertising for large corporations. Then, 16 years ago, after building, remodeling and decorating our own homes and helping friends and family, I began a career as a professional decorator.
Striving to create spaces that reflect my client's personalities, I often use items they already own but with a fresh appeal. At CCH you will see my projects (with a lot of "Before and Afters"), favorite things, parties and travel…and sometimes fashion.
If you haven't already, I would love for you to subscribe to my posts by email.
Mary Ann


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The Safest Flameless Candle Option
About us
AFFCO, the American Felt & Filter Company is a family owned textile company located in the scenic Hudson Valley just North of New York City and was founded in 1899. Since our inception, AFFCO has specialized in the design, development and manufacture of natural and synthetic technical textiles suitable for various end applications, like high temperature textiles(fire turn out gear), fluid transfer textiles (magic marker nibs), filtration textiles(home furnace filters), wool felt (piano hammer components), carbon fiber textiles, ballistic textiles for body armor and many other vast technical textile applications…AFFCO primarily has been in the commercial end of business until recently. Our staff now designs, tests and builds new innovations for common product design flaws. Our goal has been to take common items and enhance their characteristics through textile engineering. AFFCO has engineered a solution to the wax tart industry and has developed and Patented a new carrier system called Wax WarmUps.™ Wax WarmUps™ is a fibrous reservoir which holds wax/fragrance and when the Wax WarmUp™ is placed on a conventional heating system, it remains contained in the reservoir and releases fragrances more linear as opposed to the quick flash off of fragrance in a conventional tart system. More so, the safety factors of quick change over's and the elimination of a hot spill able liquid pool make WarmUps™ the product of choice backed with over 100 years of textile innovation and American manufacturing.


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Are you looking for new ways to wrap your gifts this year?
In the past I have used tissue, cellophane, made hampers and cling wrapped them and even made our own wrapping paper by stamping images onto brown paper! Its always the funky, weird shaped gifts that freak me out, I love a good challenge though and would quite happily sit watching Christmas movies whilst wrapping up each persons gifts.
This year I was set a challenge by Revival Vintage to see how we would incorporate vintage items into our Christmas lists and the first thing I thought of was an alternative wrapping solution! Let me explain!
Lately there seems to be a resurgence of people wearing victory rolls in their hair and wearing headscarves, whether its to fasten the hair back as a headband or wear as a neck scarf. Presenting the gifts wrapped in the headscarf means that the recipient not only gets an amazing gift but also can recycle and reuse the headscarf too – eco friendly and fashionable too!
I have shown how to wrap two gifts, the first being a tubular gift of bath bombs!
How boring would that normally be just wrapped in paper….this way you can create a Christmas cracker with a couple of simple rolls and some cute ribbon or paper ties!
Another thing I hate wrapping is candles that have no box, which these days are most of them unless you have silly money to burn! Literally! TK Maxx is an ideal place to pick up beautifully presented candles at a fraction of high street store and department store prices!
An alternative way to wrap candles is to place them in the center of the scarf and bring up two corners, fasten in a knot and tuck the ends inside the 'parcel'. Bring up the remaining two sides and fasten in a double knot to secure!
How simple!
And how much does it look like a Christmas pudding – wouldn't that be an awesome way to wrap an actual Christmas pudding or pudding scented candle! Mmmm!
Thank you so much to Revival Vintage for supplying me with the headscarves to complete this project, why not pop over and share some love on their Facebook page too HERE
I was supplied with items to complete this project, all views and opinions are my own.


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crochet for the home
we've all seen those books (Simple Crochet, etc) that have cool and totally simple crochet items for around the house.
i always have a hard time finding those things to use for the patterns like: leather cord, stiff (but not scratchy) twine, a "yarn" that will stand up straight or be suitable for a placemat…
so… something arrived at the shop, pineapple "yarn" from Habu Textiles, I couldn't wait to use it!
It's called "fique", and you can get it here
and here is my crochet container foe my makeup stuff.
with plenty leftover for another project
. . . . . . . . . . . get the pattern here . . . . . . . . . . . . .
speaking of the shop, how cool is this PIRATE pullover?!?!
anyways, i'm gearing up for Halloween. i really want to go to a haunted house over in Taunton, MA, i heard it's totally creeepy and fun. i havent been to a Halloween kinda thing in years, just trick'r'treating with kids… oh! and did anyone see "Dexter" last night? i'm a hardcore HBO fan but i love this show…
Ruth says
Looks like cool stuff – I like that it is described as smooth – I tried knitting with hemp twine once, got a terrible rash and virtually instant carpal tunnel….
Amie says
I'm not a fan of stripes (on my body), but I really like that sweater. I like how the top is just all black. It's as though the bottom stripes just fade into the top (visually-speaking).
Nice make-up container. I need to make some of those for my odds and ends lying around.
Nicole says
That's the one thing that crochet has over knitting – being better at 3D functional forms (ie, not clothing). I like the color!
Kaity says
That Pirate Pullover is adorable! It probably wouldn't look so good on me, but I love it.
And I see Bare Essentuals there, too. I love Bare Essentuals.
Lola says
I totally love Dexter ! that makeup foe looks good.
Malia says
I'm curious what your impressions are of this yarn. Pineapple yarn just sounds like it would be hard on the hands (I think of thinking of the skin) but I've heard that it's smooth. Good points? Bad points?


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Paul Fingersh
Paul has been associated with the company since 1993 and founded KC Venture Group, LLC in 1994. KCVG and affiliates has purchased more than 20,000 apartment units and currently owns over 7,000 units representing over $700 million in multifamily assets. He also serves as CEO of NRES Holdings LLC, its property holding company. Prior to that, Mr. Fingersh was an executive with The O'Connor Group, a New York City-based real estate pension fund advisor involved in the underwriting, acquisition and sale of over $1 billion of diversified real estate investments. He earned a BA from Swarthmore College and an MBA from the Kellogg School at Northwestern University.
Kyle Scott
Kyle Scott, President of Nolan Real Estate Services, Inc., has been with the company for over 25 years. Prior to joining the company he was a workout specialist in the hotel industry and has a BS from Oklahoma State University.
Director of Acquisitions
Peter Engelman
Peter Engelman has been with the company for 30 years. As the Executive Vice President of NRES Holdings and Director of Acquisitions of KCVG, Mr. Engelman is responsible for the acquisition of almost $1 billion of multi-family assets. Prior to that, he was responsible for the asset management of two pools of RTC real estate assets in excess of $500 million for KCVG's predecessor company. He has an MBA from Rockhurst University.
Chief Operating Officer
Joe McConnell
Joe McConnell, COO, has been with the company since 2018. Joe is responsible for overseeing all operations of the company including Sales & Marketing, HR, IT and Analytics. He has been instrumental in developing a world class operational discipline that has enabled the company to scale. Prior to joining NRES, Joe led operations and strategy for LinkedIn's Marketing Solutions Business and was part of McKinsey's operations practice in San Francisco. He received his MBA from the Stanford GSB as an Arjay Miller Scholar and his BSE in Operations, Research & Financial Engineering from Princeton, Summa Cum Laude.
VP of Operations
Cheryl Ducote
Cheryl Ducote, Vice President of Operations, has been with the company since 2005. Cheryl is responsible for the overall financial performance of the entire portfolio, including daily operations and asset repositioning. She has been instrumental in developing NRES's innovative SMT-Sales, Marketing and Training team to include the launch of a new corporate culture and the integration of social media marketing into daily operations at the property/site level. Prior to joining NRES, Cheryl was vice president of operations for a company where she supervised a portfolio of 13,000 units and managed 300+ employees.
VP of Construction Services
Andy Evans
Andy Evans joined Nolan Real Estate in the Spring of 2015 as the new Vice President of Construction Services. Andy has spent the majority of his career involved in the Engineering and Construction of large commercial and industrial projects. During this time, Andy managed teams of engineers and construction project managers on various capital improvement projects that ranged in size from a few thousand dollars to over $250 Million. Specific areas of expertise include: construction management, contract management, contract negotiations, project planning, project schedules, project budgets/pro-formas, and engineering.
Andy has direct accountability for project delivery and oversees construction planning, contracting and execution for all major capital, rehabilitation and renovation while providing leadership oversight and support to associated programs. Andy will be located in Kansas City but will be seen plenty out in the field partnering with the onsite operations staff.
VP of Acquisitions
Neal Higgins
Neal brings more than 20 years of experience in commercial real estate to her position as Vice President of Acquisitions for KC Venture Group. Having joined the firm in 2016, she specializes in real estate transactions and asset management, having purchased nearly a Billion in multifamily and retail assets for several private equity firms over her career. She has overseen the financial performance of several large multifamily portfolios for clients and in-house accounts to ensure value appreciation and maximization of operational performance. She has deep knowledge of Texas and Midwest markets, along with Arizona and Florida.
She is an expert in improving property performance, risk management, as well as, purchasing opportunist real estate investments. Neal earned a Master's Degree from the UCLA School of Architecture and Urban Planning; she holds a real estate license, and she is a Certified Property Manager (CPM).
VP of Acquisitions
Bill Porter
With over 18 years of property acquisition experience, Bill has developed a vast network of Real Estate professionals that have proved instrumental in finding and closing on both off market and marketed properties. Over these 18 years of experience he has been responsible for over $3 billion of multifamily acquisitions.
Director of Human Resources
Meredith Reese
Meredith has been with the company since 2009. She has earned her certification from the Society for Human Resources Management (SHRM-CP) and is currently working on her certification from the Human Resources Certification Institute (SPHR) She has led the Training Department for NRED for five years and now leads the Human Resources Department where she oversees our company culture, recruiting and on-boarding process for new hires, developed an on-going education program for employees, instituted the "People First" annual review, maintains our Employee handbook, and oversees employee engagement efforts.


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New leadership programme launched to help businesses engage staff
A leadership development and coaching company is offering a new leadership programme for companies who want to increase staff engagement.
Full Potential Group (FPG) is launching the Charisma Connection programme to help business leaders develop charisma.
Research from Nikki Owen, who developed FPG's programme, showed a connection between charisma and employee engagement. Her study of 150 business leaders found that charismatic leadership can help to increase staff engagement by 19 per cent.
This new programme will offer business leaders the tools and processes they need to focus on authentic leadership, develop their charismatic potential, and boost staff engagement.
Nikki Owen said: "Charisma is an authentic power that captivates the hearts and minds of others. When you're true to who you are at your core you shine in your own unique way."
She added that when a leader is at their most charismatic, they are able to engage others because they are at their most compelling.
Helen is a News Writer for LSBF who writes about education, careers, sustainable business, and women in business.


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Wednesday, June 4, 2014
"Student" vs "learner": Any difference?
My initial reaction was that any differences between the two might be splitting hairs. I still think that might be true, but opted to give it further consideration because it intrigued me that some might think a student and a learner are not the same. I believe we have imposed our own distinctions on these words.
So off to my friend the OED; yes, I'm a dictionary snob. Let's start with student: first used in 1398, the word "student" refers to "a person who is engaged in or addicted to study." A second definition, first used around 1430 is "a person who is undergoing a course of study and instruction at a university or other place of higher education or technical training." And first used around 1900, "a scholar at an institute of primary or secondary education."
Learner is an older word, possibly first used by Bede around 900 in his Ecclesiastical History, and meaning "one who learns or receives instruction; a disciple. In early use, a scholar, man of learning." There is another more contemporary definition first used around 1936: "one who is learning to be competent but who does not yet have formal authorization as a driver of a motor vehicle, cycle, etc." Interesting.
Well, the distinctions I made were not nearly as elegant nor scholarly. I said I thought learner was a more general term in that it might be used to describe someone who enjoyed learning whereas student indicates someone who is focused on something specific; someone who is, for example, a student of martial arts or Impressionism. But then that would make my learner more like a dilettante (first used around 1733 and refers to "a lover of the fine arts; originally, one who cultivates them for the love of them rather than professionally, and so = amateur as opposed to professional; but in later use generally applied more or less depreciatively to one who interests himself in art or science merely as a pastime and without serious aim or study" [emphasis mine]).
In the end, it really doesn't matter how the OED or any other dictionary defines the words. In the end, what really matters is how we use the words and how our kiddos understand the words. If we believe that a student is one who is more interested in grades and that a learner is more interested in the learning, then our kids are likely to accept and adopt those distinctions.
I think we do students and learners a disservice to apply those markers. Some of our kids are grade-chasers, but that's because somewhere along the line they've learned to believe that grades are more important than learning. I think of the related words, such as studious and our understanding and use of that word and how it can contextualize how we think of a student.
I think of lessons I tried to teach my writing students not only about the value of words, but the depth of words--that some words are more neutral than others whereas others carry positive or negative value, not just because of their connotation but because of their denotation.
Perhaps my friend Ginger is right--today's students are those who are interested in grades whereas learners are those who are interested in learning. I hope not.
I hope we have students who are learners and learners who are students and that our educators are working diligently to instill in them a love of learning; even, yes, a love of study. Because how do we get better at anything we do, regardless of our fields or our passions? We study it and we learn it. The two, I believe, are complementary. I hope that becomes more true in practice.
1 comment:
- AnonymousJune 4, 2014 at 9:15 AM
Love that you took this deeper. It's hard to go deep in a 140 character, live chat, that you're guest-hosting, alone, with a hundred or so participants and this topic rolls around in the first question! HA!ReplyDelete
I usually make the distinction between student and learner along with a story to illustrate a greater point. The story, which I should share on my blog someday, is, to sum up, a story about a great student we all love to have in class. One who was diligent in her work, took all the toughest classes, was "well-rounded" with sports and music, and did exactly what we told her to do in order to be successful in school. Graduating valedictorian and with full-ride scholarship to university (to be a biochem engineering major), she was the pinnacle of what we, as a school system, strive to produce.
Now of course, the forward-thinking in the group will question if that's what we ought to be striving for, but regardless, that's what MOST schools in the US today, in 2014, are striving to create. She was the perfect student, despite her terrible home life and odd social quirks.
But by the end of her Frosh year, she'd lost every single scholarship she'd earned. And by the end of the second year, the university had invited her to leave.
So what went wrong? Because this is certainly not an isolated incident.
She had learned to do exactly what we expected. We told her what to, when to, and how to and she did it well. But when she got out on her own...
See, she was a perfect student, by school definition, but she was not a learner. When things got *different* and there was no one to tell her what to, when to, how to, she fell flat on her face and wasn't able to recover. She wasn't a learner. She was a student.
Insert Carol Dweck's "Mindsets" here and that's where I'm going. I also contrast this story with another about a kid who was also very good in school, but took a very different self-adapting approach and gamed the system to both her benefit and detraction.
I want teachers who are still in the mindset of telling kids what to do and that there is a set path to get there, and there are still PLENTY of schools who do this, to think differently about what we're doing.
I may have made some assumptions about the audience. :)
But thank you for considering it deeper and helping me realize that not everyone might automatically go along on this journey with me. But then again, Elaine, you're not really a typical educator, are you? And that's good for all of us!


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Seattle at Chicago
Lightning rarely strikes twice, and usually not on the road. Seattle needs this game to get to .500, but Chicago needs this game for respect. Cutler's always a wildcard, but, come on, Seattle in the NFC Championship? Chicago 27-20.
Green Bay at Atlanta
Green Bay may be the best team in football right now. Winning at Atlanta may well be easier than winning at Philly: The indoor conditions actually favors Rodgers, and Atlanta is beset by injuries. Green Bay's defense is stout and they may have found a running game to slow Atlanta's D. Green Bay 27 – 17
Baltimore at Pittsburgh
Too bad both Ray Lewis and Ben Roethlisberger cannot both lose. But this is all about picking winners, not picking on losers. Two very similar teams who rely on defense, strong running games, a ferocious big-play defensive back and low-mistake offenses. Home field advantage rules the day. Pittsburgh 20-13
Jets at New England
Bad matchup and bad timing for the Jets. Revis can take out any one wide receiver, but New England's offense is based on not needing any one guy (e.g., they don't miss Randy Moss). But the Jets should bring back Eric Mangenius, the only guy who seems to have Belicheck's number the last few years.
Plus the Patriots defense may not be as forgiving of the probably-injury-related high throws from Mark Sanchez.
Unless the Jets find a way to get to Brady, and eat up chunks of yards and time on the ground, this could be a long day for Cromartie and the safeties, although nothing like the 45-3 loss.
Rex's biggest problem is that the Jets are terrific when they have a chip on their shoulder but underperform when they get too high on themselves. How else to explain things like losing to Miami, but beating Pittsburgh on the road? The offseason will provide plenty of time for Rex to moderate. New England 33-17.


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Spectrum Revolution
The ASD Family's Resource
Start healing the underlying causes of autism in your child. Here, we share what parents have found as being effective.
Many parents of children with autism spectrum disorders (ASD's) report improvements in behavior when their children eat an organic, non-GMO diet free of the proteins gluten, casein and soy. Food dye, artificial colors and flavors and MSG should be eliminated from your child's diet.
Removing Environmental Toxins
Research shows that autism is caused by the body reaching a 'toxic load.' Removing all possible environmental toxins that your child is exposed to is crucial; from metals and plastics used in cookware to the water they drink and bathe in, to the heavy metals used in flame retardants. It is vital that all known toxins be removed from your child's environment.
Genetic Testing
Many children with autism have other underlying issues that can be found through genetic testing. Whether MTHFR mutations that affect methylation or mitochondrial disease, knowing and treating genetic issues can greatly improve the lives of those living with autism.
ANRC Multivitamin
ANRC Essentials is an improved version of a vitamin/mineral supplement demonstrated to greatly improve nutritional status of children and adults with autism in a major randomized, double-blind, placebo-controlled research study at Arizona State University (ASU).
Music Therapy
A 2004 study from the Journal of Music Therapy found that music in interventions used with children and teens with ASD can improve social behaviors, increase focus and attention, increase communication attempts (vocalizations, verbalizations, gestures, and vocabulary), reduce anxiety, and improve body awareness and coordination.
Low Dose Chelation
A frequent low dose chelation method, based on chelator half-lives developed by PhD chemist, Andrew Cutler after he discovered he himself had heavy metal poisoning. Since 1999, many children have had great success in healing underlying causes of autism through his protocol. It is safe, inexpensive, and doesn't require monitoring by a doctor.
Homeopathic CEASE Therapy
CEASE therapy was developed by Dutch physician Tinus Smits who was looking for a way to help children with autism. CEASE stands for Complete Elimination Autism Spectrum Expression. It uses homeopathy, isotherapy, inspiring homeopathy, nutrition and orthomolecular medicine. The therapy is clinically proven, well researched and is an individualized treatment protocol that aids in the detoxification process.
Hyperbaric Oxygen Treatment
HBOT is a safe, effective way to get more oxygen into the body at the cellular level by using pressurized air chambers. There aree some clear improvements being reported by parents of children that use this treatment. Providers suggest that it removes toxins, such as heavy metals from the body, reduces inflammation allowing oxygen deprived areas to have a return of blood flow, builds new capillaries in the brain, andreduces the inflammation in the gut.
Vision Therapy
Behavioral optometrists use lenses and vision therapy to help children on the autism spectrum maximize their potential to use the visual process and improve their chances to develop a broad range of skills
that require the continued development of the visual process.
Ion-Cleanse by AMD
Clearing out toxicity is the critical step in your journey. Toxicity wreaks havoc on children's neurological, endocrine, and digestive systems. Detoxification in a gentle and comfortable fashion, as with the IonCleanse® by AMD, enhances the effectiveness of other therapies. In a recent study, participants had an average of a 35% reduction in their ATEC scores over 3 months.
Everything Spectrum
Everything Spectrum is dedicated to providing high quality nutritional supplements that are unequaled in potency, purity and quality. They understand that improved health contributes to a higher quality of life. They design and distribute the purest and most bio-available nutritional supplement while being mindful that among the consumers of our products are the most sensitive children with compromised immune system, dysfunctional digestive disorders and the highest nutritional needs. They carry supplements that support Andy Cutler Chelation.
Sensory Learning
The Sensory Learning Program is a foundational intervention. It encourages parents to explore the Program as one of the first interventions attempted. The reasons for this are twofold: First, the benefits of the Sensory Learning Program are significant on their own. But equally important, because the Sensory Learning Program works on the ground-level sensory perception of the child, where the process of learning begins, it often improves the effectiveness of other interventions that follow.
Yoga often provides the following benefits for those with ASD:
-Reduction of pain
-Reduction of aggression
-Reduction of obsessive and self-stimulatory behaviors
-Reduction of anxiety
-More control in regulating anxiety and emotions
-The joy of sharing class with others and making new friends
When someone with ASD can feel more calm and comfortable in his body, with less pain and anxiety, it is easier for him to control his behavior, learn new skills and enjoy social interactions.
Camel Milk
A study published in the 2005 edition of the "International Journal of Human Development" observed the effects of camel milk consumption, instead of cow milk, on autistic people. Researchers discovered that after a 4-year-old female participant drank camel milk for 40 days, her autism symptoms disappeared. A 15-year-old boy also recovered after 30 days of drinking the milk. In addition, several autistic 21-year-olds consumed camel milk for two weeks and were observed to be quieter and
less self-destructive.
CBD Oil
CBD oil and hemp derived Cannabinoids may be perfect for treatment of the overwhelming symptoms associated with autism. Many parents report improved behaivors with the use of CBD Oil. Please note that CBD oil does not contain THC, and thus does not cause a 'high' feeling when used.
Chiropractic Care
Studies and parent testimonials have shown that spinal manipulation (particularly upper cervical adjusting) may help with some symptoms of autism, in addition to overall well-being.
Integrative Listening Systems
iLs is a multi-sensory program for improving brain function. The activities can be customized for all ages & skill levels, in clinics, schools, & home.
A web based program clinically proven to increase language, reading and social skills through discreet video modeling. They offer a 7 day free trial and need based scholarships.
Additional Supplements
Many children improve with the supplementation of certain fatty acids, vitamins, and minerals. Many parents have seen positive results from methyl B-12 shots, probiotics, and omega-3 & 6 fatty acids (purity tested and mercury free) supplementation, among other things.
PANDAS (Pediatric Autoimmune Neuropsychiatric Disorders Associated with
Streptococcal Infections) occurs when strep triggers a misdirected immune response results in inflammation on a child's brain. In turn, the child quickly begins to exhibit life changing symptoms such as OCD, anxiety, tics, personality changes, decline in math and handwriting abilities, sensory sensitivities, restrictive eating, and more.
Onset is abrupt and dramatic. Many children on the spectrum have PANDAS in addition to ASD. If your child improves on antibiotics, or displays the symptoms PANDAS should be explored as a diagnosis.
Occupational Therapy
Occupational therapists address a combination of cognitive, physical and motor skills. They help children and adults gain age appropriate independence and participate more fully in life. Often It focuses on skills for appropriate play or leisure skills, learning and self-care skills.
A different and effective approach in behavior intervention from ABA. It is a home based program, based on parent-directed, relationship-based play therapy.
Toxic & Essential Elements Hair Test
A non-invasive screening test used to determine metal toxicity and mineral derangement. Available to order online.
Lyme Disease
Lyme disease can be an underlying condition in those with ASD. If you suspect your child has Lyme, testing should be done to determine if your child is infected.
Autism Treatment online at home. Mendability is the creator and telehealth provider of Sensory Enrichment Therapy™, a clinically proven autism treatment. They offer different cost options that can be very affordable for parents.
Speech Therapy
Speech language pathologists can provide therapy one-on-one, in a small group or in a classroom setting. Therapists who work with children have additional specialized training. Nonverbal persons with autism can benefit from a variety of augmentative and alternative communicative devices and methods.


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CRUCIAL has designed Clinical Studio with careful reference to the FDA's Part 11 compliance requirements as of October 2011 and Guidance on the Use of Computerized Systems for Clinical Research. Regulations and guidance documents used include –
- 21CFR11 01 April 2011 revision
- Draft Guidance For Industry 21 CFR Part 11; Electronic Records; Electronic Signatures Validation – Scope and Application 2003
- Final Guidance for Industry Computerized Systems used in Clinical Investigations May 2007
- Draft Guidance for Industry Oversight of Clinical Investigations — A Risk-Based Approach to Monitoring Guidance for Industry Oversight of Clinical Investigators August 2011
The aim of 21CFR11 is to establish the criteria under which the FDA will consider electronic records and signatures to be trustworthy and reliable and generally equivalent to traditional paper records and signatures (11.1(a)). It should be noted that 21CFR11 covers both technology and processes, and that those processes remain largely under the care, control and responsibility of the Sponsor or CRO rather than the software/system vendor. Examples of processes that fall into this category include, but are not limited to, the need to establish the identity of users and have the sponsor certify to the Agency in writing that the electronic signatures used in the system are intended to be the legally binding equivalent of handwritten signatures (Subpart C 11.100 (b), (c)), as well determining that people using electronic signature systems have the appropriate education, training and experience to adequately use the system and to the development and adherence to written policies holding individuals responsible for data/actions entered/conducted under their electronic signatures (11.10 (i), (j)).
The FDA's guidance is intended to provide in a descriptive fashion the manner in which systems should function in order to obtain and retain quality data. In similar fashion to 21CFR11, the Guidance combines both system characteristics and those that remain the responsibility of Sponsors and CROs. Clinical Studio aligns with the Guidance, and supports Guidance recommended practices as needed.
The Clinical Studio system complies with those aspects of FDA Guidance with respect to data under the overarching ALCOA principle of Attribution, via linking to a specific user and patient/case; Legibility via standard characters, fonts and display of data; Dates and times of entry are obtained and permanently associated with entries; Originality wherein data cannot ever be obliterated, lost, or otherwise obscured in all cases, and with special importance where those data form the source document; and Accuracy via extensive and robust IQ/OQ/PQ testing, provision of edit checks, conditional actions and other mechanisms designed to prevent acquisition of erroneous data, and the support of both remote and on-site monitoring.
The following describes how Clinical Studio addresses specific components of 21CFR11 in more detail, and Guidance on Computerized Systems Used in Clinical Investigations elements are also addressed.
21CFR11 (a) Controls for Closed Systems: Validation
Clinical Studio has been purposefully built with an automated validation and documentation tool that comprehensively tests IQ/OQ/PQ parameters for every field within any given study/project and generates detailed human-readable documentation for review and storage. Proactive detection of invalid records is achieved through User defined edit checks and similarly (see CSICI IV F.1 Other system Features: Direct Entry of Data below) visibility of altered records is clear through the automated audit trail function (see 21CFR11.10 Controls for Closed systems (e); CSICI IV D.2 Audit Trails below).
21CFR11.10 (b) Controls for Closed Systems: Human Readable Records
All data within Clinical Studio is available in human readable form either via standard dataset format(s) export and/or viewing within the system, and/or printing in CRF format on a form by form or subject/patient case basis.
21CFR11.10 (c) Controls for Closed Systems: Protection & Retention
All data captured within the Clinical Studio system is subject to stringent protections and is maintained in such a manner as to be available at all times during the course of any given project. Following the closure of a particular project, complete dataset transfers are made to the Sponsor or CRO for retention. Please see also CSICI IV F.4 System Controls below.
21 CFR 11.10(d) CSICI IV D.1 Limited access; 21CFR11.300 (a), (b), (c) Controls for identification codes/passwords
Clinical Studio provides a unique individual account for each User. That account is stored as a separate entity in the database. Prior to a User gaining access to the system, the User must provide the unique User ID and Password previously assigned and chosen respectively. That User ID and Password initiates an Internet Information Services (IIS) session. IIS is a web server application and set of feature extension modules created by Microsoft – IIS 7 and supports HTTP, HTTPS, FTP, FTPS, SMTP and NNTP. It is an integral part of the Windows Server family of products and allows for sophisticated security and system behavior controls.
The User session is managed by the system via IIS and an Administrator User can adjust system session behavior. Clinical Studio provides Administrator Users the ability to setup regular and ad hoc required password changes, time between forced password changes, the level of password reuse, as well as inactivity timeout length prior to system "screen-saver" User Name and Password controlled re-access, and total time out to complete session termination and system lock. Lost passwords can only be reinstated via an industry standard method of token generation sent to the registered User email account in question. These tokens are single use, time-sensitive, and requesting generation of a token automatically disables the original password.
21CFR11.10 (e) Controls for Closed Systems; CSICI IV D.2 Audit Trails
All changes to forms are captured by the system and displayed as separate transactions at the bottom of each form. Regardless of any future actions, no data is ever obliterated and all records can be completely reconstructed longitudinally. In addition, the system monitors and records each User and their navigation path through the system. Monitoring reviews can require Users to provide reasons why data does not match source documentation or why given changes have been made. A variety of reports allow Administrators to review these transactions in accordance with the FDA's draft guidance on risk-based approaches to monitoring in detecting site or individual abnormalities that may indicate data quality issues.
21CFR11 (f) Controls for Closed Systems: Enforcement of sequencing of events
Clinical Studio has built-in and user definable logic pathways that require persons entering data to follow the correct sequence of conducting the study. The system is more powerful than a paper-based system in this regard in that it is impossible for Users to enter data before it should have been collected; it can require the entry of lab result(s) or test data prior to allowing an action such as treatment that maybe predicated upon those events and/or data capture/review. See also CSICI IV F.1 Other system Features: Direct Entry of Data below.
21CFR11 (g) Controls for Closed Systems: Authorized Individuals Access
While the sponsor is responsible for verifying the identity of an individual and authorizing their use of the system, security surrounding access is facilitated via the Role-Based Security (RBS) feature within Clinical Studio. In RBS, Users are assigned particular roles and privileges that accompany that role such as sign-off, view only, alter data, enter data etc. Privilege levels may be altered by Authorized Users, typically at the Sponsor/CRO level within Clinical Studio.
21CFR11.10 (h) Validity of Source Data Input; 21CFR11.300 (d) Controls for Identification Codes/Passwords
Through the transaction auditing feature, each page that a given User visits is recorded. That information contains the Application, Page, Site, User, Date and Time, Session Parameters (what they are doing in the page), and the IP address of their Internet connection. Use of this audit feature allows Administrators to do routine audit checks against known site IP addresses or a list of known risky IP addresses. Each visit to a page records everything that User has to load that page. Subsequently that page can be reconstructed. Any changes made to a form on that page are also recorded. Additionally, the system immediately reports to the System Administrator any attempts to use User IDs and passwords in an unauthorized manner.
21CFR11 (k) (1) (2) Controls for Closed Systems: Controls Over System Documentation
During any period in which CRUCIAL hosts the Clinical Studio system, CRUCIAL will hold as confidential internal company documents all documentation surrounding the fundamental operation of the Clinical Studio system pertaining to operation and maintenance per CRUCIAL SOP 1001–01 CLSDS Quality Management System Plan. Revision and change control procedures are in place that document in audit trail format with time sequencing and System Admin User implementing/responsible, all development on new/revised aspects of the operation of the system and the supporting documentation thereto, as per CRUCIAL SOP 1001–03 QMS Document Management Plan.
In the event a Sponsor/CRO wishes to host the Clinical Studio system, controls over the System documentation, once provided by CRUCIAL in the first instance and as needed per CSICI IV F.5 Change Controls below, become the responsibility of the customer.
21CFR11.70 Signature/Record Linking
Clinical Studio records all instances of signature application and permanently links those signatures to the respective electronic method in a manner whereby the signature cannot be dissociated with the record. It is important to note that with the appropriate authority, records can be unlocked and data modified (for example, where study close-out monitoring uncovers data issues that require resolution), and that unlocking and eventual re-signature will not obscure the original signature details.
21CFR11.100 (a) General Requirements
Clinical Studio enforces the use of unique User ID and password combinations and disallows reassignment to any other User.
21CFR11.200 (a) (1) Electronic Signature Components and Controls; 11.50 Signature Manifestations
All e-signatures require that the signing User provide their User ID and Password. Prior to this, a statement is displayed explaining exactly to what the e-signature application attests (authorships, verification, approval, responsibility etc.). In addition, all sign-offs include the printed name of the signatory with date/time stamping. All signatures are available for review in human readable format.
21CFR11.200 (a) (1)(i) Electronic Signature Components and Controls
All batch sign-offs require the User with sign-off privileges (typically the Investigator) to view a statement about electronic signatures and a statement detailing what they are applying the e-signature to. To perform the application of e-signature, the system then requires the Investigator to provide both a User ID and Password prior to signing any batch of forms.
CSICI IV D.3. Date and Time Stamps
All activities within the Clinical Studio system are date and time stamped. Local time is displayed to the User and is converted and stored in UTC GMT (Greenwich Mean Time) to provide a standardized reference point to which activities can be related.
CSICI IV E. External Security Safeguards
In addition to 21CFR11 requirements, Clinical Studio complies with this Guidance section in that external software applications cannot alter, browse, query or report on data other than via the Clinical Studio system with the appropriate authorization. Datasets generated by the system at the request of an authorized User which are then exported and used by another software program or system become the responsibility of the requesting User. A comprehensive listing of Users, their roles/titles, access privileges and other pertinent information for any given project is generated by the system and remains permanently available.
Also, additions of or modifications to applications and/or programs are restricted to System Admin authorized users only, which in combination with the Sophos Endpoint Security and Control anti-virus anti-malware safeguards effectively protect the servers and Clinical Studio program from intentional or unintentional damage or corruption.
CSICI IV F.1 Other System Features: Direct Entry of Data
Comprehensive, powerful, and automatically tested and reported edit checks, range checks, conditional actions, and sequencing of events/data collection are available within the system to be employed as seen fit by the Sponsor/CRO User to enhance data quality and/or prevent submission of erroneous data. See also 21CFR11 (f) Controls for Closed Systems: Enforcement of Sequencing of Events above.
CSICI IV F.2 Retrieving Data
Clinical Studio is designed in a fashion that attributes data within a study to an individual subject/patient within the study. Elements within this section detailing to the Agency how source data were obtained, managed, and the use of the system to capture data, is the responsibility of the Sponsor or CRO using the system.
CSICI IV F.4 System Controls
Periodic backup of all data is conducted hourly and automatically copied to an offsite location separate from the primary server on which the system is running. In order to check the validity of the backups, an additional server is in place and runs an automated restore test on a daily basis. To facilitate disaster recovery and minimize any possible data loss, Recovery logs/WAL logs/Archive logs are copied to the offsite location and a separate Disaster Recovery server as soon as they are written to disk on a transaction by transaction basis. Status of backups and restores including successes, failures, and other errors are logged and System Admin staff are automatically notified.
In the event the Sponsor/CRO has elected to host the Clinical Studio system, set-up and control of these functions become their responsibility.
CSICI IV F.5 Change Controls
Each Clinical Studio customer has a separate code and database. Scheduled changes to the software are released on a quarterly basis. Each component of the change is thoroughly documented per CRUCIAL SOP 1001–08 Use Redmine Tracking System to Manage Product Change Control and SOP 1001–15 CLSDS Code Release Process. Any given customer must sign off on whether they want the change applied to their code base. Certain changes are dependent on prior changes; therefore, each client is made aware of the dependency risk of not accepting a given change.
Bugs are fixed and can be moved forward immediately if required. Each client is informed of the bug fix and must formally indicate that they want the change applied to their Clinical Studio instance.
All hardware changes and upgrades that require the system to be taken offline are scheduled to take place when system loads are lightest (typically after midnight and before 6:00am CST or from 12:01am Saturdays to 6:00am Mondays, but can be adjusted to suit the particular customer's needs). When this happens, the studies/projects that are running on that given piece of hardware are made inactive until the hardware upgrades are complete and tested. Once thoroughly tested per CRUCIAL SOP 1001–17 CLSDS Software Verification and Validation Plan, the studies/projects are then reactivated. All customers are made aware of these scheduled changes at least two weeks in advance through the site notification system.
Unpredictable hardware failures are caught 99.998% of the time through one of five redundant layers in the hardware stack. Remediation is made in these instances without interruption to system availability and is transparent to the end User.


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JuuLG Filmproductions is a filming group founded by Julian Gommers in 2010.
Julian works together with friends who also share the interest of making movies and films.
In 2011 the group consisted of 18 members, but it keeps growing.
Their biggest production -thus far- is 'Zero to None', an action movie about the daughter of a rich millionair who has been kidnapped.
YouTube is a great platform where beginning filmmakers can publish their work.
This is also what Julian and JuuLG Filmproductions have noticed.
Since 2007 Julian used this platform to publish his videos.
The video with the most views -thus far- is 'bloemkoolsamba' which is a song recorded with 6 singers who sing in canon.
This random but rhythmic song is used by many music teachers in their lessons which made the song quite well known in the Netherlands.
In 2009 the song was even featured on a popular music website in the Netherlands.
JuuLG Filmproductions has filmed various events like 'Proposal Flashmob', 'Christmas Flashmob', 'Vive l'Internat' and more.
JuuLG Filmproductions also made various music videos like 'When You Were My Man' and 'Bad Day'.
JuuLG Filmproductions was hired for various projects for the European School Woluwe: 'New bus parking', 'The Harlem Shake' and the latest 'Primary Secondary Transition Video'.
In addition Julian did nearly win the first price in an iCentre contest with the video 'Magic lion in the iCentre'.
Interested? Send him an email !
Check out the latest videos on the YouTube page!
Already for some time Julian has a passion for computers and websites.
Julian recently has helped with creating the new website for his school
and has created an app for a yearly held event at school called Footfest.
Julian first started programing at the last year of the primary school and throughout the secondary school he developed his programming skills.
At the moment he masters weblanguages like: HTML, CSS, JavaScript and jQuery.
He is still learning databace linked languages. (PHP & MySQL)
After secondary school he would like to study Technical Informatics at the TU Delft.
Julian was born in Schiedam (the Netherlands) and moved to Leiden in 1997.
In 2002 he moved to Leiderdorp together with his mother and her friend Nick,
a very kind stepfather who is like a second father for him.
Julian lived there until he finished the primary school and had to go to the secondary school in 2007.
He decided to go and live with his dad in Brussels.
His dad had already moved there 7 years earlier.
He now studies at the European School Brussels, which is a pre university study.
Julian is now years old, and in years he will go to university.
In 2008 Julian started a series called 'Tuin & Tuin' with his friend Timon de Vos.
This was the start of his film carreer.
From that time he is making videos and started 'JuuLG Filmproductions', in which he works together with a group of students he met and who also share the passion to make films and videos.
They regularly meet and shoot films.
At present he is working on a movie called 'Zero to None'.
An action film which is about a girl from a rich father who is kidnapped.
You can see their progress on their YouTube and Facebook page.


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Read our latest news and views and get to know us better
As we celebrate Mandela Day, we celebrate a man who above all else, was human. He led with humanity, cared beyond measure and put people first. He was a man who inspired Africa, the world, and the way in which we do business, no matter the obstacles.
In an effort to meet a need in the community and help uplift it, our teams from all over the continent have given their time to make a real difference in the lives of those who living there. Here are some of those stories:
Building homes in Bloem
In Bloemfontein, South Africa, two groups of Standard Bank staff set out on a mission that would forever change the lives of two elderly ladies. Our staff set off to Heidedal and Bochabela to complete the homes of two ladies who desperately needed someone to notice and improve their living conditions.
92-year old Elizabeth said that she could hardly contain her excitement at the idea of moving into a home without leaks in the ceilings and cracks in the walls. She never thought she'd live to see the day when she would have another home. Staying true to who we are and "Moving Forward", our team arranged with various stakeholders, including small to medium enterprises, to lend a helping hand in making sure that the work was completed the same day.
The second group visited Bochabela where a sad, but meaningful tale unfolded. During the building of the second home, the owner, an elderly lady, fell ill and unfortunately passed away before she could see the project to completion. Saddened by the news, the team stuck to their word and honoured her memory by completing the house so that her funeral could be held at her home.
Our Bloemfontein CSI team's prime focus is on providing meaningful solutions to those in need, with a special focus on the elderly, children from underprivileged homes and schools, as well as providing support to smaller, non-profit organisations. This same team aims to build three more houses for three underprivileged families.
Children are our future
Children have the right to education. No matter their circumstances, they deserve love, guidance and security. This was stated by the Chief Executive of Standard Lesotho Bank, Mr. Mpho Vumbukani when handing over a cheque to St. Cecilia Orphanage. He highlighted that in collaboration with their customers and other people of goodwill, they had managed to raise M200, 000 of which 50% came from the bank. At least 60 children will benefit from this initiative. Standard Lesotho Bank has set aside about M3 million towards sponsorships and Corporate Social Responsibility initiatives.
According to the World Health Organisation, early childhood is considered to be the most important developmental phase in our lives. We believe that Africa's growth potential starts with its children and as a result, numerous initiatives have been carried our across many of our markets including Kenya, South Africa, Malawi, Ghana and Zambia (to name but a few). Giving back to people and the communities that support us is important to our people and we can find no better way to give back than by investing in our children.
Botswana has amonst the lowest levels of savings per household and one of the highest levels of debt per housegold in Africa. As a result, Stanbic Bank Botswana has begun a financial literacy campaign at schools in the country with the hopes that it will be incorporated into Botswana's school curriculum.
In a first for South Africa, we partnered with GE to provide a "Health Accelerator" programme that provides technical, clinical and business acumen to South African healthcare professionals who want to improve and grow their existing practices, or even transition into private practice. According to Standard Bank Joint-CEO Sim Tshabalala, both Standard Bank and GE recognise the value of small businesses as drivers of job creation and economic growth. Both companies hold enterprise development, skills development and innovation as core business objectives and are both strongly committed to supporting more inclusive growth and economic transformation in South Africa.
Humanity is something that is fundamental to who we are. We believe that everything we do should not only make a difference to the continent and country, but to the people and their communities.
©2016 Standard Bank is a licensed financial services provider in terms of the Financial Advisory and Intermediary Services Act and a registered credit provider in terms of the National Credit Act Legal | Terms & conditions | Help | User Guidelines


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1. You hit the 'add to cart' option, which takes the user to the checkout page.
2. You choose to pay through your Paypal account or you can checkout without Paypal.
3. If you use your Paypal account, you should be automatically redirected to the template download page after the purchase is completed.
4. If you use a credit card and don't use your Paypal account at checkout, you will see an optional link going back to smarthelping.com. Click that link to get back here so you get directed to the download page.
If in doubt, you can always e-mail me: email@example.com
I can manually send you any of the excel financial models no problem.


text:
View our privacy policy
By Dr. Mercola
If you eat strawberries in your morning smoothie or as a quick snack, make sure they're organic. In an Environmental Working Group (EWG) analysis of 48 fruits and vegetables, strawberries earned the dubious moniker of most contaminated with pesticide residues.1
They beat out apples (last year's top offender) and were found to be almost universally contaminated — 98 percent of samples contained at least one detectable pesticide residue.
It probably comes as no surprise that conventionally grown produce may be contaminated with pesticides, but there are wide variances in the levels of different crops.
Since most people tend to pick and choose which fruits and vegetables to buy organic, knowing which items are most contaminated helps you to prioritize which foods to buy organic and which are safe to purchase conventionally grown.
Strawberries are one of the most popular fruits in the U.S. The average American eats close to 8 pounds a year, "and with them, dozens of pesticides, including chemicals that have been linked to cancer and reproductive damage or are banned in Europe," EWG's Bill Walker and Sonya Lunder said in a statement.2
EWG used data from the U.S. Department of Agriculture (USDA), which found strawberries tested in both 2009 and 2014 contained nearly six different pesticides per sample compared to under two per sample for all other produce.3
According to California data, nearly 300 pounds of pesticides were applied to each acre of strawberries grown in the state in 2014. Compare this to corn, which is doused with about 5 pounds of pesticides per acre — and is considered to be a pesticide-intensive crop.
What types of pesticides are used on strawberries? According to EWG:4
The EWG analysis revealed that 40 percent of strawberries tested had residues of 10 or more pesticides (one sample even had 17 different pesticide residues).
It's also known that some strawberry growers use 60 different pesticides on their fields. Whenever possible, choose organic strawberries or, even better, grow your own.
Strawberries are easy to grow and, as a bonus, they're perennials and will come back each year in most climates. Plus, when you grow your own you get the satisfaction of harvesting your very own seasonal summer treat. As EWG noted, strawberries have only relatively recently become available year-round:5
"Fresh strawberries once were a seasonal treat, available in limited supply only for a few spring and summer months.
"Fresh strawberries once were a seasonal treat, available in limited supply only for a few spring and summer months.
In recent decades the increased use of pesticides and other chemically-aided growing methods have made cheap strawberries available year round, and aggressive marketing campaigns have spurred consumption."
In recent decades the increased use of pesticides and other chemically-aided growing methods have made cheap strawberries available year round, and aggressive marketing campaigns have spurred consumption."
With the exception of strawberries beating out apples for the top spot, EWG's 2016 "Dirty Dozen" list for most pesticide-contaminated fruits and vegetables looks very similar to last year's list. So, too, does their "Clean 15" list, which are those that tend to contain very little pesticide residue.
EWG's analysis combines six different measures of contamination to come up with a composite score for each type of produce. The results are as follows:6
EWG's 2016 Dirty Dozen (Buy These Organic)
EWG's 2015 Clean 15 (OK to Buy These Conventional)
Most of the samples tested fell within allowable legal limits for pesticide residues. For instance, only five strawberry samples tested exceeded the tolerance level set by the U.S. Environmental Protection Agency (EPA). This is the upper allowable limit for individual pesticides on produce.
Unfortunately, just because pesticide levels fall below the tolerance level does not guarantee they're safe. As EWG noted:7
"Some liken pesticide tolerances to a 500 m.p.h. speed limit. If the rules of the road are so loose that it's impossible to violate them, then nobody can feel safe."
"Some liken pesticide tolerances to a 500 m.p.h. speed limit. If the rules of the road are so loose that it's impossible to violate them, then nobody can feel safe."
For instance, there is no legal limit on the number of different pesticides allowed on food. The effects of these chemical cocktails are unknown, but concern is warranted, especially since adults and children alike are exposed to low doses for a lifetime.
The tolerance levels also fail to take into account more recent research showing such chemicals may be toxic even at very low levels. The CHAMACOS Study is among those showing that very small amounts of pesticides may be harmful. Children born in Salinas Valley, California, an agricultural mecca, were followed through age 12 to assess what impact the pesticides had on their development.8 Mothers' exposure to organophosphates during pregnancy was associated with:9
Glyphosate, the active ingredient in Monsanto's Roundup herbicide, is the most used agricultural chemical of all time. However, it's not known exactly how much glyphosate may be in your food because the USDA does not test for it. The U.S. Food and Drug Administration (FDA) just announced in February 2016 that it may begin testing foods for glyphosate.
However, for now an analysis commissioned by the organizations Moms Across America and Sustainable Pulse10 suggested that eating non-organic, genetically engineered (GE) foods (the prime candidates for Roundup spraying) is associated with higher glyphosate levels in your body. The Detox Project explained:11
"Glyphosate levels have been found to be significantly higher in urine of humans who ate non-organic food, compared with those who ate mostly organic food. Chronically ill people showed significantly higher glyphosate residues in their urine than healthy people.
"Glyphosate levels have been found to be significantly higher in urine of humans who ate non-organic food, compared with those who ate mostly organic food. Chronically ill people showed significantly higher glyphosate residues in their urine than healthy people.
In a separate detailed analysis, glyphosate was found in the urine of cows, humans, and rabbits. Cows kept in a GM-free area had significantly lower glyphosate concentrations in urine than cows in conventional livestock systems."
In a separate detailed analysis, glyphosate was found in the urine of cows, humans, and rabbits. Cows kept in a GM-free area had significantly lower glyphosate concentrations in urine than cows in conventional livestock systems."
According to data from the U.S. Centers for Disease Control and Prevention (CDC), more than 75 percent of the U.S. population has detectable levels of organophosphate pesticides in their urine, and unless you're a farmer, your diet is one of the most likely routes of exposure.12
Eating organic is one of the best ways to lower your overall pesticide burden. The largest study of its kind found that people who "often or always" ate organic food had about 65 percent lower levels of pesticide residues compared to those who ate the least amount of organic produce.13
Research also found that organic produce had, on average, 180 times lower pesticide content than conventional produce.14 That being said, not everyone has access to a wide variety of organic produce, and it can sometimes be costlier than buying conventional.
Remember that eating vegetables, even if they're not organic, is better than not eating vegetables at all. However, when you need to prioritize, refer to the Dirty Dozen list and buy those organic as much as possible. If you shop at farmer's markets, which I strongly recommend, you can also ask the farmer directly about pesticide usage.
It's possible to find produce that is not certified organic that may still have a lower pesticide burden than typical conventional produce depending on the farmer. So if you can't find organic produce, look for a local farmer who has eliminated pesticide use (or uses such chemicals only minimally).
Finally, if you know you have been exposed to pesticides, eat fermented foods like kimchi. The lactic acid bacteria formed during the fermentation of kimchi may help your body break down pesticides.
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text:
Endurance is a technological startup specializes on drones and robotics. Its headquarters are based in San Francisco and Moscow.
We are raising investments now.
For more detailed information please visit our pages on: angle.co, crunchbase.com
We proud to say that we produce a number of exceptional solutions such as:
- Laser cutters
- Telepresence robot
- Small antbots
- Big wheel drones
- Small quadcopters
- Drone helicopters
Laser cutter, telepresence robot and small quadcopter are already on the market.
Drone helicopter, small antbots, big wheel drones are still under beta testing.
Little bit of history
Endurance was established on the 11-th of January 2015 by the bright Russian entrepreneur George I Fomitchev and the brilliant electrical engineer, NASA contractor Matteo Borri.
The idea of Endurance popped up when George saw Matteo's solutions. He realized at once that they had to be brought onto the market because they were awesome and could change our entire life.
Everything made by Mr. Borri has a great market potential.
Our mission is to robotize everything we can, to reduce inefficiency and time consumption.
Our goal is to make life easier and more comfortable.
Our moral principle – we work for civil purposes only.
Why do our customers like it? Because we are very flexible and try to meet our customers' demands. We realize that knowledge about your customer's headache is the most important knowledge any business must have.
Why is our team so great? Because we believe in everything we do, and do it not only for living but also for fun; because we have an outstanding team
To learn more about us, please, visit our library (http://old.endurancerobots.com/category/articles/)
General product presentation is available on product presentation page (http://old.endurancerobots.com/for-investors-2/presentation/)
Also you are welcome to see our photo gallery http://old.endurancerobots.com/about-us-2/photo/
In you want to talk to us, we are very open, please call us +7 916 225 4302 or email: firstname.lastname@example.com
Our product video are down below


text:
The Office of the Medical Director develops processes used to designate hospitals to which System providers should transport specific types of patients.
These processes are designed to ensure severely ill or injured patients are transported to hospitals capable of safely and effectively managing the patient's specific condition.
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A young woman decided to have a read of my book the Devil and the Awesome Four, and ended up regretting it. She was reading a chapter called the Chainsaw madman about a deranged lumber jack named Harry Gordon who is tricked by the Devi l into selling his soul in return for immortality and so on so on. in this story, Harry decapitates his ex wife's lover in a fit of jealous uncontrollable rage. Now this scene in quite descriptive, perhaps a little too descriptive as the poor woman reading it found out. When it got to the part where the chainsaw slices off the guy's head, she turned pale, gave a little startled yelp dropped the book, ran to the bathroom and puked
I felt a little guilty, not realising that she was of a nervous disposition, but at the same time I was smiling inside. I realized that if my writing can invoke that kind of reaction in this lady, then I must be doing something right in my story telling abilities. Now, having said that, I never took my writing too seriously, because I tried to tone down the horror a little by adding little bits of sarcasm and humor but in this case I didn't tone it down enough. But it was an amazing thing to witness, just how mere words can invoke reactions in people is astounding.


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Female slaves are the natural by-product of the system of slavery. The situation that prevailed in all societies where the institution of slavery existed was such that slave women were used at will and were employed to gain economic advantage by inciting them towards prostitution. As for Islam, it provided for a facility which would, in the course of one generation, bring an end to the system through the slave women themselves.
The slave woman is the property of the master. However, the master has no right, whatsoever, to incite her towards adultery. Like the male slaves, the female slaves, too, have rights of their own. It is the duty of the master to provide her with food, shelter, clothes and other necessities. Moreover, the Qur'an has asked the owner to make the necessary arrangements for her marriage as well (Qur'an 24:32).
This, in effect, means that the Qur'an has prompted the owner towards having sexual relations with an unmarried female slave. This permission is however restricted to the owner alone. No one else is allowed to use her in this fashion even if it be with the permission of the master! In giving birth to the child of the master, the slave woman becomes entitled to new rights. Thenceforth, the master has no right to sell her. She becomes the mother of her master's children. These children, too, become entitled to all the rights and privileges enjoyed by the master's other children. Islam disagrees with the Jewish stand
that the children born through a slave woman have none of the rights that should naturally be given to them by virtue of paternity. These children are, in all respects, his own children. There is to be no discrimination of any kind between them and the other children. With the death of the master, the slave woman, who is the mother of his children, becomes a free woman. She is then protected by her own children. They, too, like the other children, will becomes entitled to a share in their father's inheritance. The permission to accept slave women as one's life-partner was, in fact, a provision which would, in the course of one generation, cut out the very root of slavery. In reality, therefore, the permission granted for having relations with slave women was one among the
many unique steps taken by Islam in practically eradicating slavery. It is not possible to equate the permission given for having relations with slave women to adultery. These acts stand at two extreme poles. One is the case of the woman who lives under her master enjoying the protection that he confers upon her. It is a relationship in which he fully agrees to take up the responsibilities that may result as a product of that relationship. It is a relationship in which her personality, beyond the contours defined by sex, is accorded full recognition. It is a relationship which opens to her the door to freedom. As for the second, it is nothing but a carnal relationship with a prostitute without any sort of commitment. The position of the prostitute is, in fact, muchworse than that of the slave woman. For, she is nothing more than a
soul less animal. Her function is restricted solely to the gratification of the animal passions of man. There is not even a grain of love and compassion in that relationship, not the slightest touch of personal fulfillment even. It is but a transaction made solely for money. Flesh trade! The man who comes for the satisfaction of carnel of his desire is never prepared to take up the responsibility that may accrue from it.
He has no obligation towards her. She is only an animal destined to satisfy his sexul appetite. Each one of her relationships will serve only to immerse her even deeper into the mire that is the inhumanity of prostitution. Even the very dream of freedom is alien to her. She is one doomed to embrace the loneliness of orphanhood when in a diseased state, with her skin wrinkled and faded, she ends up being the object of nobody's concern. What, then, of the tradition which lays open, before the slave, the very door to freedom? And what of the rottings system which drives the woman from one dependence to the other? Any comparison, whatsoever, between these two is impossible because they stand at two opposing and extreme poles. One recognized by benign humanism, the other which leads to depredation and frustration.
67) Has not the Qur'an actually legalized adultery by allowing for the master to have sexual relationships with his female slaves?
Female slaves are the natural by-product of the system of slavery. The situation that prevailed in all societies where the institution of slavery existed was such that slave women were used at will and were employed to gain economic advantage by inciting them towards prostitution. As for Islam, it provided for a facility which would, in the course of one generation, bring an end to the system through the slave women themselves.


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The Arctic is warming rapidly, but did not see a record high-temperature this February, according to Chinese scientists.
A research team from the Chinese Academy of Sciences (CAS) Institute of Atmospheric Physics, analyzed the air temperature at Ny Alesund, where the Chinese Arctic station is located, and warned about fast warming in the Arctic, but pointed out that the temperature in February was not a record high.
The research found that Ny Alesund had the fastest warming in the Arctic. The daily mean temperature (DMT) in the region reached 3.3 degrees centigrade, with a maximum temperature of 4.4 degrees centigrade on February 26 this year.
However, this is not the highest in history. The DMT at Ny Alesund has the record of 3.5 degrees centigrade and a maximum temperature of 4.9 degrees centigrade on February 5, 2017. According to Professor Zou Han, research team leader, the temperature in Ny Alesund is increasing fast, and the highest DMT in February has increased 11.1 degrees centigrade since 1998, which could be related to changes in the north Atlantic current.
CAS started an observation campaign at Ny Alesund from June 2017 and uses observational equipment such as lidar and UAV to detect atmospheric processes to study the rapid warming of the Arctic, according to Zou.
The Arctic region is a sensitive area of global climate change, and its temperature increase is far greater than that in middle and low latitudes, making it an important destination for global climate change research.


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Registration for the 2019 Romp is closed. Click on the Register button top right to be notified when registration is open for the 2020 Romp.
Doodles in Dewey is great for the whole family. Kids love it!
Please contact Amy Scott at either firstname.lastname@example.com or call 301.467.5523.
Register the number of people in your group and the number of doodles you are bringing.
Yes! Dog licenses are available 24/7 in a kiosk outside the town hall/police station on Rodney Street. Cost is $5.00 for 3 days or $10.00 for 8 days.
The lifetime license is $35.00 - but this one IS NOT available at the kiosk. You have to go into the station to get one; they're only available M-F 9-5. For other information on dog licenses, please call Joyce at town hall. Service dogs do not require a license.
No, everyone should register separately so we can have an accurate count on-line. You don't need to bring the registration to the beach. If you're coming at the last minute, do try and register on-line, or check in at the main table so you and your dog(s) will be counted.
There are several options ~ view the Lodging page.
It's still off-season in Dewey. No parking permits required. Meters are inactive. You can find parking on all the side streets.
Alcohol is not allowed on the beach. Anything else you want to for a day at the beach is okay. Chairs, a blanket, dog toys, etc. Water will be available for purchase and we'll have Grotto pizza slices on sale at the beach for lunch.


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Pro-Line Exteriors is a James Hardie Preferred Remodeler and your Chicagoland leader in James Hardie fiber cement siding installation. Our one of a kind Design Center and Showroom, completely dedicated to James Hardie siding products, is where you can see the complete James Hardie ColorPlus selection as well as every siding texture, trim detail, and numerous design options in large scale. We have our office, rest rooms, and all-purpose room as built as separate houses so you can vividly see the beauty and value of each of the James Hardie products, such as XLD trim, ShingleSide shake siding, Artisan lap siding, and James Hardie soffit. Our Design Center and Showroom also has numerous window displays. You can "test drive" our Marvin wood windows and Paradigm vinyl windows as well as the Pella Designer windows, which feature blinds or shades between the glass. These products, along with a complete line of roofing samples, enable you to thoroughly and precisely work your way through your any re-modeling project with confidence.
GuildQuality customer satisfaction surveys enable homeowners to rate their contractor on a scale of zero to four (with zero being the worst and four being the best) in all sorts of categories. Our members can publish a summary of those answers here on their profile page, displaying a bar for as many or as few questions as they like. The score for each category indicates the percentage of survey respondents who answered a three or four to that particular question.Learn more about the feedback published on this page.
Siding (126)
James Hardie (79)
Roofers (73)
Window & door replacement (73)
We display two types of written homeowner feedback on GuildQuality member profile pages: Comments and Reviews.
In response to our customer satisfaction surveys, homeowners share lots of comments about construction quality, communication, or any other question asked in the survey. Guildmembers can selectively publish these comments here on their profile page.
Reviews are different than comments. These are star ratings that homeowners ask us to publish, and they come with a written description of the type of experience they had working with their contractor. We publish all of the reviews we receive: positive and negative alike.Learn more about reviews and comments.
As a GuildQuality Guildmember, Pro-Line Exteriors Inc. relies on our customer surveying to help them deliver an exceptional customer experience.
We have surveyed customers on behalf of Pro-Line Exteriors Inc. in Arlington Heights, IL; Libertyville, IL; Gurnee, IL; Glenview, IL; Park Ridge, IL; Deerfield, IL; Crystal Lake, IL; Arlington Hts., IL; Highland Park, IL; Wauconda, IL; and 42 other cities in Illinois.
In this report, Pro-Line Exteriors Inc. has published a summary of the customer feedback they've received since they joined GuildQuality in January 2012. In that time, 68 out of 126 customers (54%) responded to a GuildQuality satisfaction survey, with the most recent response in January 2020.
If you are a Pro-Line Exteriors Inc. customer, and if Pro-Line Exteriors Inc. completed work for you after January of 2012 but you haven't yet received a survey, please let us know.
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There is all kinda of data that I wish were made available through some API, such as the congressional voting data that I mentioned previously. There are lots of businesses and organizations that have data, but not necessarily the resources to create an API.
This is another great use of RSSBus. You can create RSSBus scripts that can take advantage of things like SqlOps and OracleOps, ExcelOps, CcOps, QbOps, FileOps, S3Ops, etc. Through these scripts you can expose an API for your data that is stored in these sources very simply. One example of this is how I effectively created a new API call for Upcoming.org, which I just recently made live here at textbox1.com.
Update: I discovered, and repaired, a bug in FeedMapping my new feed caused by my mishandling of html entities.
Technorati : api, atom, rss, rssbus, upcoming.org, vote-smart.org, voting, ydn


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The UnderGarden is a beautiful underground world filled with strange life forms, physics based puzzles and plenty of hidden secrets. The vibrant world comes alive and music evolves as players traverse throughout the game, pollenating flora. With local co-operative gameplay, players can chill out and work together to solve puzzles and explore the world. The UnderGarden offers 14 different levels of modern exploration filled with brain teasing physics and eco-friendly puzzles that evoke an emotional response to the beauty and calm of this underwater oasis.
The UnderGarden is now available for the suggested retail price of $9.99. For more information, please log onto www.atari.com/undergarden
Atari group is a global creator, producer and publisher of interactive entertainment. Atari's brands and content are available across all key traditional and digital distribution touch points, including browser-based and social online platforms, PC, consoles from Microsoft, Nintendo and Sony, and advanced smart phones (i.e. iPhone, Android and RIM devices). Divisions of Atari, SA include Cryptic Studios, Eden Studios, Atari Interactive, Inc. and Atari, Inc.
Atari benefits from the strength of its worldwide brand and its extensive catalogue of contemporary classic game franchises (Asteroids®, Centipede, Missile Command, Lunar Lander), original owned franchises (Test Drive, Backyard Sports, Deer Hunter), MMO games from Cryptic Studios (Star Trek Online, Champions Online) and third party franchises (Ghostbusters, Rollercoaster Tycoon, Dungeons and Dragons). Atari also leverages the power of its franchises to deliver movies and merchandise to consumers around the world.
For more information please visit: www.atari.com
In This Article


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This is our 2012 wedding photography year in 139 images! We have picked out some of our favourites, but really we could have split this over 2 or 3 posts as there are so many. The difficulty with single images is picking ones that tell a story, otherwise you are viewing them out of context – you'll have to make your own story for some of these! 🙂
It has been a great year and we have progressed in so many ways. We are so fired up for 2013, we can't wait to get started on Feb 2nd when it starts all over again. Expect another year of great images and fun. Join our Facebook page as we don't blog everything (as much as we'd like to), but most weddings do get a sneak peek posted on there within 24 hours. And if you haven't yet, please pop over to the Wedding Belles 2012 Wedding Photo of the Year page and vote for us (Image #9!!).
Marie & Jason x
Thanks to Albert Palmer for this one!
As always, we'd like to talk to you if you are getting married in 2013 or 2014. We have limited 2013 places available, but get in touch with your date and see if we are free. Please share with your friends and drop us a comment below!


text: Blog Posts in 2016 Nursing Home Residents Receive Christmas Gifts, Thanks to Knapp Employees, Volunteers Dec 19, 2016 By KMC More than 350 nursing home residents in the Mid-Valley received a gift and visit from employees of Knapp Medical Center this Christmas season as part of a "Senior Santa" program. Thanks to the generosity of the Knapp Medical Center ... Read More Free childbirth classes helping expecting mothers prepare for birth Nov 28, 2016 By KMC Expectant parents in the Mid-Valley are finding valuable information to help them prepare for the birth of their baby through free childbirth classes which are held at Knapp Medical Center in Weslaco. Mothers and fathers can receive individualized ... Read More Knapp Medical Center to be Recognized During Rose Bowl Parade in California Nov 21, 2016 By KMC Florestela Delgado of the San Antonio Eye Bank, second from left, presents an award to Knapp Medical Center for helping in efforts to heal the blind through a cornea donation program. Accepting the award are Tony Ashley, RN, Knapp Medical Intensive ... Read More Prime Healthcare Foundation Announces Closing of $160 Million Financing Transaction Nov 21, 2016 (Ontario, CA) – Today, Prime Healthcare Foundation, Inc., a not for profit hospital system, announced that it has closed a $160 million senior secured credit facility (Facility) led by BBVA Compass (BBVA). The Facility, which may be expanded in ... Read More Knapp Medical Center Participating in Antibiotic Awareness Campaign Nov 14, 2016 By KMC Knapp Medical Center is participating in an awareness campaign by the U.S. Centers for Disease Control & Prevention regarding the importance of not over-using antibiotic medications. "Get Smart About Antibiotics Week" is an annual ... Read More Dr. Prem Reddy Once Again Recognized Among the Most Influential Healthcare Leaders in the Nation Oct 1, 2016 Prem Reddy, MD, FACC, FCCP, Chairman, President and CEO of Prime Healthcare, has once again been named to Modern Healthcare's prestigious list of the "100 Most Influential People in Healthcare" for 2016. This is the third time that ... Read More Knapp Medical Center Achieves Four-Star Rating In New CMS Services Rankings Aug 4, 2016 By Matthew Lynch WESLACO — Knapp Medical Center is proud to announce that it has achieved a four-star rating for its high levels of quality healthcare, being provided in the Mid-Rio Grande Valley, in accordance with the recently released "Overall Hospital ... Read More Vein Visualization Technology Leads to Increased Patient Comfort at Knapp Medical Center Jul 19, 2016 By Knapp Medical Center WESLACO — While it may look like something out of a "Star Trek" film, nurses utilizing a specialized piece of equipment are aiming to improve the patient experience at Knapp Medical Center – one needle stick at a time. With ... Read More Dr. Reddy in Conversation with The Advisory Board's Managing Director, Eric Larsen Jul 18, 2016 We are pleased to share this Q & A featuring Dr. Reddy and Prime Healthcare and the Managing Director of the Advisory Board. The Advisory Board is a prestigious healthcare advisory organization located on three continents, and their Daily ... Read More Diet, Exercise, Checkups Vital Parts of Men's Health Jun 14, 2016 By Matthew Lynch WESLACO – With Father's day coming in less than two weeks and with the entire month of June being designated as Men's Health Month, one local physician is encouraging men to take a proactive role in their healthcare. Weslaco Family ... Read More Knapp's Family Fun, Fitness & a Film Series Set to Begin May 26, 2016 By Matthew Lynch WESLACO – Summer vacation is just around the corner, and so is Knapp Medical Center's annual Family Fun, Fitness & a Film series. The series, which is free and open to the public and aims to help improve the health and quality of life ... Read More Knapp Hospice Holds Biannual Memorial Service May 25, 2016 By Matthew Lynch WESLACO — For the Knapp Medical Center Hospice Care Services team, supporting families of patients suffering from terminal illness is the ultimate display of care and compassion. That support takes many forms, including the biannual hospice ... Read More Dr. Prem Reddy Once Again Recognized Among the Most Influential Physician Executives and Leaders in the Nation Apr 6, 2016 (Ontario, CA, April 6, 2016) – Prem Reddy, MD, FACC, FCCP, Chairman, President and CEO of Prime Healthcare Services, has been named to Modern Healthcare's prestigious list of the "50 Most Influential Physician Executives and ... Read More Knapp's Valley Health Seminars of 2016 to Conclude With Discussion on Colorectal Cancer Apr 6, 2016 Knapp Medical Center's Valley Health Seminars of 2016 conclude when Dr. Michael W. Berg, Dr. Wayne Green, and Dr. Oral James lead a discussion on colorectal cancer on Tuesday, April 12 from 6 to 7 p.m. in the Knapp Conference Center. Did you know ... Read More Knapp Medical Center's Valley Health Seminars Series Set to Begin Jan 4, 2016 Knapp Medical Center kicks off its Valley Health Seminars series in 2016 as Dr. Dionisio B. Calvo III shares what everyone should know about stroke. Dr. Calvo's presentation is scheduled for Tuesday, January 5 at 6 p.m. in the Knapp Conference ... Read More


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Welcome to the Lost & Found archive. Since 1997, over 200 sessions of stray images and sound have been organised. Artists, writers, scientists and musicians present work in progress, experiment or present work that doesn't fit into their oeuvre (yet). A specific and unique stage for diverse and hybrid works which don't fit comfortably into galleries or museums.
photographer (NL), website
video, work in progress, 12 min
Olga Kortz, lara en amanda in jamaica, i-D
together with Amanda van Hesteren
Shown at L&F Muziekgebouw (02–06–2017)