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So if you happened to read the previous post, I thought I'd mention that yesterday the Robin decided to transfer it's affection to our neighbor's car. But not for long. Yesterday evening it found it's way back to our vehicle…again. This morning we're watching it flutter on the car across the street. I'm telling you, this bird just won't quit.
5 thoughts on "Crazy Robin Update"
That's so funny. Maybe the Robin just loves looking at it's reflection.
That is so bizarre.
That is one intense little bird!!!
I had to laugh reading your post today. What about if you try to cut out a silhouette of a bird (try to use black paper) and stick it on the window?
I just read your story about the Robin. I have been searching the internet this morning to find out about this type of behavior in Robins.
For the past two days there is a Robin in my yard that keeps flying up against my windows on the patio. At first I thought it was getting spiders from the corners. Today I awoke to this thumping sound over and over again and realized it was the Robin hitting the window. It lands on a chaise lounge close to the window and just keeps throwing itself from lounge to window. I am afraid it is going to kill itself as it hits pretty hard. I too have massive amounts of poop all over the lounge where it lands! My windows look filthy where it keeps doing this. I've scared it away over and over and it just keeps coming back and doing this. I've never seen anything like it before. Anyway, I just wanted to share this in case anyone else has this happening. Not sure what I'm going to do if it continues!


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Camouflaging themselves among Rohingya refugees, many Bangladeshi men are taking risky and secret boat trips to Malaysia, seeking work there as illegal immigrants.
Between October 27 and November 7, two overloaded Malaysia-bound boats, which had sailed from Bangladesh with 245 people aboard, sank near the Bangladesh port of Teknaf.
International media reported that the people on the boats had been Rohingya refugees. But after interrogating 28 people who were rescued, Bangladeshi security agents found that almost half the people were Bangladeshis, not ethnic Rohingyas.
"Since the issue of the Rohingya interests the global community and some Rohingyas were on those two boats, the international media picked up the story. But many incorrectly reported that everyone on the boats were Rohingya refugees," said Lieutenant Colonel Mohammad Zahid Hasan, head of Border Guard Bangladesh.
In relation to media coverage, he told DW, "It was nowhere reported that almost half of the people on the boats were Bangladeshis. These days on the Malaysia-bound boats sailing from Bangladesh, 60 to 65 percent of the people are Bangladeshis. They are not Rohingyas."
Rohingya sea route
According to Rohingya community leader Salimullah, the sea route from Bangladesh to Malaysia, via Thailand, was first used by Rohingyas in the mid-1990s.
Stateless Rohingya refugees, who had fled Myanmar to Bangladesh, took boats to reach Thailand, from where they travelled overland to Malaysia. "Soon, some enterprising Rohingyas set up an international human trafficking network to transport desperate people from Bangladesh to Malaysia, following the same route," said Bangladesh-based Salimullah.
"By using the sea-and-land route, traffickers helped Rohingya migrants reach Malaysia where they began working as illegal immigrants."
But Thailand has barred the boat people from its territory since 2010. So a number of boats from Bangladesh now land directly on Malaysia's west coast.
Sail now, pay later
Between October and March, when the sea in the region is calmer, scores of boats operated by traffickers set out from Bangladesh's coasts, carrying hundreds of people illegally headed for Malaysia.
"Rohingyas mostly from Cox's Bazar are heading for Malaysia on this illegal route. But now using their wider network, the agents are also managing to push desperate young [Bangladeshi] men from far-off Chuadanga, Jhinaidaha, Jessore, Khulna and other districts on to the boats," said Hassan.
Trafficking agents, spread across Bangladesh, entice the men with attractive offers, including employment in Malaysia. Jobless Bangladeshi youths find the route to Malaysia cheap and attractive, said Cox's Bazar-based journalist Abdullah Nayan.
"One willing to immigrate to a Gulf country or Malaysia has to spend at least 250,000 takas (2,400 euros). It's a huge amount for an average Bangladeshi. But an agent charges as low as 15,000 takas (140 euros) for one ticket on a boat," said Nayan, who reports on the trafficking network.
The rest of the fee, "usually between 100,000 and 130,000 takas," Nayan explained, could often be paid off in installments after the refugee landed a job in his new country.
In poor, densely populated Bangladesh, young men longed to escape to other countries to find work, with the Arab region a preferred destination, Abul Kashem Bhuian, a union council chairman in Bharuakhali, south Bangladesh, explained.
Jobs plentiful in Malaysia
"But in recent years, Bangladeshis are not getting work permits in Arab countries so easily any more. However, in Muslim-majority Malaysia, they can work, even as illegal immigrants.
"So Malaysia has now become their favorite destination," said Bhuian, who, himself has relatives working in Malaysia.
Golam Murtaza, who undertook a 2-week journey across the sea and reached Malaysia in January, said the country had a massive manpower shortage in its plantation, agriculture, construction and other sectors. Bangladeshis, therefore, easily found jobs there.
"Of the 126 people on my boat from Bangladesh, 70 of them were Bangladeshis. In this town where I am working, there are more than 500 Bangladeshis. Most of them came here via the same sea route. I have many friends in Bangladesh who are getting restless to take the same route to reach Malaysia," said Murtaza, 23, who is from Bangladesh's Magura district.
An agent in Bangladesh told DW she had a long line of Bangladeshis waiting to go to Malaysia: "I have already sent more than 200 Bangladeshis from our district to Malaysia in the past two sailing seasons. At least 150 young Bangladeshi men are waiting to take our boats in the coming weeks," a Cox's Bazar-based agent, known by her pseudonym of Rashida, told DW.
At least 60 people, including Rohingya Muslim refugees from Myanmar, have disappeared after a boat bound for Malaysia capsized. The migrants started from Bangladesh sometime on Tuesday, and the boat overturned Wednesday. (07.11.2012)
At least 3,000 Muslims who fled communal violence in their villages in Myanmar's Rakhine state by boat more than a week ago remain missing. Concern for their safety continues to grow. (01.11.2012)
The number killed has grown above 60 and thousands have been displaced as violence in Myanmar continues. The fighting has cast a shadow over the reformist government's attempts to remake Myanmar's international image. (26.10.2012)

subset: commoncrawl


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A film by Arnaud Des Pallières
- Drama
Georges Nail lives in a new suburb. He's married, loves his wife, son and dog. Paul Hammer is good looking, rich and intelligent. But he is torn by his severe judgement of the world and a desire to be part of it. One day, their paths meet. Nail sees this meeting as an opportunity to create a new friendship. On his side, Hammer sees it as a new reason for living : to crucify the perfect image of the happy western man and his incarnation in the person of Georges Nail. A nail is the perfect victim for a hammer.


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A representative from TIAA-CREF will be on campus Tuesday, September 27, and Wednesday, September 28, for one-on-one retirement counseling sessions.
Also, on Thursday, September 29, there will be a presentation on new retirement saving options available through the Tax Deferred Annuity Plan. Please join us in the Jardine Room beginning at 10 a.m. to learn and ask questions about the newly added Roth deferral and Self-Directed Brokerage Window options.
Please visit the Human Resources website for details (check under the "HR News" section) on how to make your appointment and find out more about Thursday's presentation. For more information on the University's Retirement plans go to www.tiaa-cref.org/jcu.
If you have any additional questions, please contact Ryan Armsworthy at extension 1576.


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Holiday Assistance from the Salvation Army
Passing along this email we received from the local Salvation Army …
The Salvation Army would like assistance in notifying families of their Thanksgiving & Christmas Assistance Program for low income families in Eau Claire County. In order to reach all families, this email is going out to anyone with children in the ECASD. If a family is questioning if they are low-income, they can call Amanda at 715.834.1224 ext. 18 and she can tell them if they fall within the income guidelines. Families can sign up for assistance at the Salvation Army office at 2211 S. Hastings Way in Eau Claire from October 29th through November 8th (with the exception of November 2-4) from 10 a.m. to noon and from 1 p.m. to 4 p.m. Qualifying families will receive food gift cards and toys. This information can be shared with families that may qualify but do not have school-age children or those who do not have an email address.
There are several items that families must bring with them if they apply, which are detailed on the flyer you can download here: http://www.ecasd.k12.wi.us/cms_files/resources/SA%20AssistancePoster.pdf


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Because having whiter teeth has now become the number one aesthetic concern of most patients, there are a number of ways to whiten teeth. The most popular method is using a home teeth whitening system that will whiten teeth dramatically. Since teeth whitening only works on natural tooth enamel, it is important to evaluate replacement of any old fillings, crowns, etc. Replacement of any restorations will be done after bleaching so they will match the newly bleached teeth.
Teeth whitening is not permanent. A touch-up may be needed every several years, and more often if you smoke, drink coffee, tea, or wine.
This type of teeth whitening usually requires two visits. At the first appointment, impressions (molds) will be made of your teeth to fabricate custom, clear, plastic, trays.
At your second appointment, you will try on the trays for proper fit, and adjustments will be made if necessary. The trays are worn with special whitening solution either twice a day for 30 minutes or overnight for a couple of weeks depending on the degree of staining and desired level of whitening. It is normal to experience tooth sensitivity during the time you are whitening your teeth, but it will subside shortly after you have stopped bleaching.
You will receive care instructions for your teeth and trays, and be encouraged to visit your dentist regularly to help maintain a beautiful, healthy, white smile.If you would like to schedule an appointment or have any additional questions about Porcelain Veneers, please contact Signature Dental Group at our Algonquin dental practice today!
This is one of the most accommodating medical practices I've worked with. Dr. Sherman and Staff are kind and the facility itself is calming. I feel this office has gone above and beyond to make sure my sleep apnea is corrected; and my oral appliance is comfortably functional.
Vicki T.
I used to have so much anxiety going to the dentist. Dr. Sherman and his staff have taken the anxiety away. They are so nice and calming. Very professional. I recommend them to everyone because everyone should have positive experiences at the dentist!
Deidra A. Busch
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Abbot R. Laptook, MDSpecialties:
Neonatal-Perinatal Medicine
Primary Affiliation:
Women & Infants Hospital
Additional Affiliations:
Kent Hospital
Gender: Male
English (US)
State University of New York Downstate
Long Island Jewish Medical Center
Long Island Jewish Medical Center
Women & Infants Hospital
Other providers at Women & Infants Hospital.
Awards / Recognitions
- Best Doctors In America
Abbot R. Laptook, MD, is the medical director of the Neonatal Intensive Care Unit at Women & Infants Hospital. He oversees all clinical activities within the NICU and is currently involved with the reassessment of the optimal manner to train pediatric providers in stabilization of high-risk neonates in the delivery room. He also provides guidance and support for all quality management initiatives ongoing in the NICU.
Dr. Laptook has been involved in studies to understand the pathogenesis of brain injury following hypoxia-ischemia. Specifically, he has examined the role of substrate availability, extensive brain acidosis, and temperature of the brain in newborn animal models. .
Since 1998, he has transitioned to clinical research and has been involved in the NICHD Neonatal Research Network. He served as the principal investigator at the UT Southwestern site and subsequently moved to Women & Infants Hospital in 2004 and is now the principal investigator at the Brown site.
Press Releases
Office Locations
Phone (401) 274-1100
Providence, RI 02905
» View Map and Driving Directions


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Metal Reinforced Gaskets
Style 108 Gaskets
Klinger Style 108 Metal Reinforced Gaskets are rigid laminated gasket consisting of graphite layers bonded to each face of a solid steel core.
The Klinger graphite Style 108 MRG gasket was initially designed to provide a high performance, low seating stress gasket replacement to the traditional metal jacketed and compressed asbestos fibre type gaskets utilised on heat exchanger applications.
Benefits of Klinger graphite type 108 gasket
- Low seating stress values
- Excellent sealing characteristics
- Excellent corrosion resistance
- Narrow gasket width available
- Particularly suitable for rectangular or non-round shapes
For higher pressure service, the Klinger Maxiprofile gasket would be preferred to the Style 108 MRG.


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Innovative Antenna Design
The innovative antenna design provides a long-range, symmetrical-link coverage area, and the antenna gain of the UniFi AC LR AP performs better than one-way, high transmit power does for connecting distant clients.
Designed for Optimal RF Performance
The newly redesigned UniFi Controller optimizes RF performance:
Scalable Enterprise Wi-Fi Management
The UniFi Controller v4 software is a powerful, enterprise wireless software engine ideal for high-density client deployments requiring low latency and high uptime performance. With its software-based capabilities, the UniFi virtual control plane allows for unlimited scalability under one centralized controller. Remotely access the UniFi Controller to upgrade deployed UniFi APs while in the field.
DataSheet (link)
Les clients ayant acheté cet article ont également acheté
- Cet article: Ubiquiti UniFi AC Long Range - 5 pack
Ubiquiti 24 Volt Gigabit POE, 0.5A, 12W
Ubiquiti UniFi AC LITE - 5 pack
Ubiquiti TOUGHSwitch PoE PRO
UniFi Switch PoE+ Gigabit Switch 24 ports 250W
Prix total: 1 226,73 €


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Which Episodes Of The 'Gilmore Girls' Revival Is Christopher In? Rory's Dad Is Stopping By
Gilmore Girls has always been about the Gilmore women. The relationships between three generations of strong, unique women is what holds the show together. But throughout the series, there were men who impacted the lives of Rory, Lorelai, and Emily, and therefore the show. One man who actually affected all three Gilmore women is Christopher Hayden, Lorelai's first love and Rory's father. Christopher will return for the Netflix Gilmore Girls revival, which makes total sense, as he plays an important role in the series. He was always a presence in the original series in some way, even if Rory and Lorelai could never fully count on him to show up. Fittingly enough, it's still not clear which episodes of the Gilmore Girls revival Christopher is in, though it seems he won't be a big part of it.
Even though Lorelai was briefly married to Christopher, she rightly ended up with her soulmate, Luke, in the end. For this reason, I'm not worried that Christopher will shake things up in the revival and actually glad he will return. He's a character that has impacted everyone on Gilmore Girls and it's only right that we see what he's been up to for the past 10 years. How much we'll actually see hasn't been confirmed, but IMDB lists actor David Sutcliffe as only appearing in the final episode, "Fall."
IMDB listings are not always accurate so this could change, but right now, it's the only clue we have. Sutcliffe hasn't said much about his role in the revival, though he did talk to TV Line about Lorelai and Christopher's relationship at the premiere:
"I don't know that there will ever be real closure ... I think there's always going to be something unresolved and a little sad about the relationship. In part because I just don't think Christopher has the emotional awareness ... I think [with] Rory too. There's some gap that exists between them and as much as they love each other. There's some unbridgeable gap, some pain that will always exist."
To me, this lack of closure confirms that while Christopher is in the revival, he won't end up with Lorelai or as a permanent fixture in any capacity. And I have to agree with Sutcliffe about his character. Onn a show about human connection and love, he has always represented a missed connection. But with the revival, every character gets a chance at redemption. Hopefully, even without closure, we'll get to see that Christopher has grown.


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HOST: Mini-grids Partnership
Mini-grids are expected to play a critical role in meeting the Sustainable Energy for All goal of universal energy access by 2030, while maximizing the use of local renewable energy. However, a sustainable market and scale-up model for mini-grids has still not materialized despite their well acknowledged potential, technological innovations and cost-reductions.
This interactive session will convene representatives from industry, government and funders/financiers to discuss the latest developments and progress in the global mini-grids sector. Panelists will also update participants on how the Mini-Grids Partnership is promoting coordination and collaboration across the mini-grids sector. The Mini-Grids Partnership, originally launched at the SEforALL Forum in 2014, is a voluntary partnership of leading mini-grid stakeholders that seeks to accelerate the development and deployment of mini-grids through the exchange of information and ideas, shaping policy and markets to unlock the potential of widespread mini-grid electrification.


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Brandy is a multidisciplinary artist with a degree in Printmaking who furthers her work by continuously exploring new mediums. She works out of her home studio in Atlanta, Georgia. Working out of her home studio in Atlanta, Georgia and originally from Savannah, she's influenced by the South, but finds inspiration everywhere. "Some of the best ideas come from just putting pen or brush to paper and going for it. I'm not a big planner and enjoy an organic creative process, letting my ideas flow freely."
Her vivid handpainted linens are featured in several of our PeachDish menu cards, and are available to order through our online store.


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Kitchens, Bedrooms and Bathrooms
Design, supply and installation – kitchens, bedrooms and bathrooms!
From your dream to completion! Quality manufactured, bespoke hand made, budget or transform with a makeover!
Quick rough estimate before designing'!
Electrics -inc rewires and consumer units ('NICEIC' registered)
Building work (extensions)
RMI started in 1991 and has been Ltd since 2003,with approx 1300 installations!
Are you in our area? Most existing clients are Romsey, Winchester, Salisbury, Bournemouth and Southampton
although we have completions across the south.


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[A version of this post first appeared on my blog Living Between the Lines] This week on Facebook I asked a simple question: What was your favorite childhood book? The response thread was the longest I've ever had on my profile. So, in honor of Children's Book Week, I'm sharing something I wrote after the … Continue reading Tesser Well
So far, so good (said the falling man)
Here's the joke… An optimist falls off a 10-story building. As he passes the sixth story, someone yells from the window, "How's it going?" The man yells back, "So far, so good!" This is kind of how it feels after you make a big leap. Like quitting your job. Depending on what "story" you've jumped from, the actual landing may look different from what you imagine.
Have you put your stake in the ground?
By Amanda Cleary Eastep "Are you afraid to put your stake in the ground?" Smack in the middle of my biz consultation, advisor Jackie Nagel of Synnovatia stopped me in my wandering tracks. This was my second consultation with Jackie, and she quickly moved to the topic of strategic goal setting. (NOTE: A strategy is NOT … Continue reading Have you put your stake in the ground?
Video: Spin sucks, my chat with CEO Gini Dietrich
The first time I experienced a negative reaction to my choice of career in public relations, I was sitting in the doctor's office awaiting my pain management test. "So what do you do?" asked the doctor, making friendly chit-chat before hooking me up to a contraption that would test my nerve sensitivity. "I'm in PR," I said, … Continue reading Video: Spin sucks, my chat with CEO Gini Dietrich
What Your Purpose Is Not
By Amanda Cleary Eastep Every night I take it to bed with me, wake up with it, and feel it breathing down my neck when I'm not giving enough attention to it. (No, it isn't an overly affectionate labrador.) It's my purpose. Sometimes purpose manifests itself in different ways throughout our lives and sometimes as one activity that … Continue reading What Your Purpose Is Not


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PANZER GENERAL Allied Assault is a quick playing game of WWII tactical / operational combat using a unique blend of cards and a board game.
"A WWII Strategy Game for XBLA & Board"
- The board game is Now Available for purchase! For interest in adding your store to our store locator, click here.
- Based on the classic Panzer General series
- Combines the best of an online collectible card game with the action of a turn-based strategy game.
- Play as a commander of the Allied Forces and recreate the most renowned battles of WWII.
- Create a personalized army from your deck of more than 60 collectible cards, including tanks, artillery, infantry and air.
- Unlock new collectible cards with every campaign or multiplayer battle.
- Battle against other players on the XBLA Leaderboards.


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Home > Quilting tools and accessories > Fabric marking tools
Sewline Trio Colors fabric pencil - eraseable and refillable, with black, white and pink ceramic leads.
The Sewline Trio Colors eraseable fabric pencil comes with a unique 360 degree mechanism for three pencil colours in one. Just hold the clip section and turn the finger grip section and each click will extend a different colour ceramic lead - white, black or pink. This handy fabric pencil means you will have the colour you need, whether marking light, dark or patterned fabrics, no more searching around for the correct marker! Full instructions for use and refilling are included on the packaging.
The fabric lines are easily removed using the eraser attached to the pen, or they can be removed using a standard block eraser - you should always test on a fabric swatch first to ensure the lines can be removed satisfactorily, and always remove the markings before ironing. Washing in warm water with also remove the lines from most fabrics.
Refills can be bought for the Sewline Trio Colours fabric pencil, so you can carry on using it for years to come!
UK: This item will be sent via Royal Mail first class, estimated delivery time 1-3 days.
Europe: This item will be sent via Royal Mail Airmail, estimated delivery time 3-5 days.
Rest of world: This item will be sent via Royal Mail Airmail, estimated delivery time 5-7 days.
Delighted product delivered very promptly


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The .NET SDK for the Froala WYSIWYG HTML Editor is designed to work for both .NET Framework and .NET Core. To help you integrate the Javascript editor even faster you can use the examples from the SDK: .NET Framework and .NET Core.
Get Froala rich text editor running with our .NET SDK library by hitting the download link below.
Nuget is a package manager for Visual Studio. To install the .NET SDK Library, run the following command in the Package Manager Console:
PM> Install-Package FroalaEditorSDK


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About 100 people attended a rally in San Jose Wednesday morning with a symbolic Thanksgiving Day feast to call attention to families being separated by deportations and the need to reform current U.S. immigration laws.
The rally, organized by the immigrant advocacy group SIREN -- Services, Immigrant Rights and Education Network -- took place on a lawn outside the San Jose office of the Department of Homeland Security along busy Monterey Highway.
A long table was set, with a turkey and Thanksgiving holiday decorations, with small signs in front of chairs such as "Mother," "Daughter" and "Father (Deported)," to illustrate how some families with members who are undocumented would be celebrating Thanksgiving on Thursday.
U.S. Rep. Zoe Lofgren, D-San Jose, who had a place named for her at the table, spoke at the rally along with leaders of Catholic churches in East San Jose and people who described how their lives were affected when family members were deported.
Lofgren, a booster of immigration reform and leading Democrat on the House Judiciary Committee's subcommittee on Immigration and Border Security, urged House Republicans to review a draft bipartisan immigration reform bill and pass it as the Senate did last summer.
"We've made it clear, we will sit down with Republicans and go item by item, bill by bill, so that we can reach consensus to fix our broken immigration system," Lofgren said. "We can do any of these things. What we can't do is nothing."
Lofgren said she hoped that the ruling Republican majority in the House would send a reform bill to the floor for a vote so that next year, the 11 million people who are undocumented in the United States "will be able to celebrate Thanksgiving without fear of deportation."
Father Jon Pedigo of the Our Lady of Guadalupe Church in San Jose, said that about 1,100 to 1,200 undocumented people are deported each day in the United States.
Pedigo invited several people to describe how deportations have affected their families.
Socorro Cruz, 40, a naturalized U.S. citizen who arrived from Mexico with her undocumented parents who later became citizens, said that her first husband was deported 13 years ago when there son was 7 years old.
"That changed our lives completely," Cruz said. "It was very difficult to explain to my son that his father could no longer live here with us...It is very difficult to see a child growing up in a deep sadness. When he was 12, he became very depressed."
Her former husband remained in Mexico and remarried, and Cruz has remarried as well in San Jose, but now her current husband, Ismael, 39, is facing deportation proceedings in April, Cruz said.
If U.S. Immigration and Naturalization officials decided he must be sent back to Mexico, the application process to return as a U.S. citizen would take 10 years, Cruz said.
"I keep thinking that this could be our last Thanksgiving together," Cruz said. "This is a reality that needs to stop."
Among the participants at the rally were hospitality, restaurant, grocery and agricultural immigrant workers, according to SIREN spokeswoman Victoria Ramirez.
Some had fasted since Tuesday in solidarity with immigration reform supporters in Washington, D.C. who have fasted since Nov. 12 to move Congress to pass immigration reform, according to Ramirez.


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Action steps for non-Satyam customers
The Satyam scandal will have ramifications across the industry if Satyam customers flee and take their business to other IT outsourcers. Learn how to protect your own interests.
The Satyam scandal will have ramifications across the industry if Satyam customers flee the vendor and take their business to other IT outsourcers. To protect your own interests, consider the following moves suggested by David Rutchik, a partner at outsourcing advisory firm Pace Harmon:
- Consult with your outsourcing provider and get its assurance that it will continue to provide you the same level of service, even if it takes on new clients.
- Talk to your provider about its financial situation, so you can rest easy that it won't be in the same situation as Satyam anytime soon.
- "We think this is likely an isolated incident … but these concerns need to be addressed, and offshore providers in particular need to provide comfort to customers," Rutchik said.
- Ask your IT outsourcing partner to provide audits, even if it doesn't have to under any service agreement.
- If it's time to reassess or renegotiate your contract, consider pushing for lower rates. "With [many thousand] resumes flooding the market, there's a lot of talent out there, which could be driving down local salaries," Rutchik said. "These are pricing elasticities [that CIOs] should be aware of."
"CIOs should be demanding this, to give them comfort, because they have to explain to the CEO that [the outsourcing partner] is OK," Rutchik said.
As far as the Satyam scandal's impact on the industry, "We certainly think it's going to give CIOs some pause," Rutchik said. "It's taken some folks awhile to get comfortable with offshoring, and then with offshoring their more mission-critical areas. Fairly or not, you can't avoid some concerns and second guessing and questions."
Let us know what you think about the story; email: Rachel Lebeaux, Associate Editor


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STACY Francis is driving her Celebrity Big Brother housemates mad with her excess sexual energy.
The X Factor USA star has been working up some seriously amorous intentions and it's become too much for the likes of Coleen Nolan who told her to take action.
The Loose Woman told her: "Stop it, you horny little b****. Well go and sort yourself out in the bathroom."
But instead of doing that, Stacy insisted she wanted Jamie O'Hara to help her out, saying: "I want him to sort me out in the bathroom."
The Celebrity Big Brother star began bragging about his sexual prowess after singer Stacy admitted she was feeling raunchy in the house.
Relaxing in the pool, Jamie began flirting with the horny American singer after she admitted she was desperate for some excitement in the house.
"I'm an animal, I'm an animal," he said to her. "Listen I might play Mr Nice Guy here mate but you get me in bed I'm a different kettle of fish."
"Can I see? Let me find out please!" screamed Stacy in response.
It comes shortly after Jamie was seen breaking down over the pain of being separated from his three children.
Opening up about his sons Archie, six, Harry, five, and three-year-old George, the 30-year-old footballer vowed to never leave them again.
Getting emotional in the CBB Diary Room he confessed: "I just miss my kids. I love them so much. I promise I will never leave them again.
"They say to me 'I just want to play football like you daddy'.
"I don't like crying in front of people I don't know…I didn't think it would be this hard."
He added that he feels he's "really got on with Calum" but doesn't feel he can talk to him about something like this, explain: "I find it easier to talk to girls about how I feel."
And later in the show he turns to female company in the form of Nicola McLean, who he'd previously got flirty with.
He confides: "Big characters in here and I feel like I'm a pussy. I'm not here for an argument…I find it really difficult to talk to blokes…" as Nicola comforted him.
Jamie's tears come as his ex-wife and mother of his children Danielle Lloyd revealed she's consulting lawyers just days after he implied she was a money-grabber.
The mother-of-three posted a telling social media post of her chihuahua Rocky and said: "When you bring your puppy with visit your lawyer #slander #defermationofcharacter #respect #lies (sic)".
Related Stories
He told housemates: "When I was with her, I was earning really good money and she kind of expected that to continue.
"I'm not on that money no more!"
Before adding that the situation with Danielle was "draining".


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The Science Based Nutrition (SBN) Evaluation involves a detailed analysis of your body's chemistry and includes several data points of collection:
- The first piece of information we will gather is the Patient Symptom Survey (PSS). The PSS is a comprehensive, multi-system, multi-symptom questionnaire that captures clinically relevant information, specific to you. The PSS is an integral part of the SBN Evaluation, which must be completed and returned to our office before we request specific blood work, please be very specific when filling out page 6.
- The second piece of information we will gather is a Bioimpedence Analysis (BIA), along with a zinc taste test, salivary pH test, and urinalysis. You will schedule for this data to be collected within our office prior to having your blood drawn.
- Finally we will acquire a thorough Blood Panel which will provide a current snap shot of your "living biochemistry." Blood comprises about 10% of your body by weight, and provides the most objective means to accurately determine key clinical markers. Our office will provide you with a lab requisition form that you will need to get your blood drawn. This panel requires a 12 hour fast. Drink only water during the 12 hours prior to the blood test to stay hydrated normally.
Additional costs are involved for additional testing. Hair tissue analysis (used to determine heavy metal toxicity and your ability to detoxify), salivary hormones panels (used to determine cortisol levels as related to adrenal function, for example), and other detailed functional medicine laboratory testing considerations may be added when necessary.
The total investment for this evaluation is $400 including the PSS analysis, blood panel, BIA, and one hour follow up report/consultation. Payment is required prior to the completion of blood work and scheduling your follow up report. We recommend retesting in approximately 90 days (PSS, relevant blood work and BIA) to monitor your progress, and update our clinical recommendations moving forward.
We reserve sixty (60) minutes to review and report this combined information. You will receive a detailed, customized report, and based upon your results we will determine the best nutrition, diet, and supplementation for you. This analysis will allow us to personalize your treatment, track your progress, and move towards your healthcare goals.


text: Using from a sleeping sack outdoors throughout the woods is simply Hayley Marie Coppin as part of nature's garb. This toddler is a cuti who looks really good in a floral print suit not to mention bare the feet. Her extremely golden-haired hair highlights her soft shoulders while that toddler slides off the woman gorgeous dress to dark colored and red récipient under wear. Hayley Marie strips off the woman darksome and black lace panties to show comfy wobblers and also a small unshaved twat that might look great on my is usually a.


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Economic Stimulus Plan Includes Major COBRA Revisions - Quick Action Required
The "American Recovery and Reinvestment Act of 2009" (the "Act") signed into law by President Barack H. Obama on February 17, 2009 includes major revisions to the group health plan continuation law known as COBRA. Under COBRA, employers and group health plans must allow employees and families to continue group health coverage - - at their own cost - - upon the occurrence of a qualifying event, such as termination of employment. The Act includes a new Federal subsidy to defray 65 percent of the cost of COBRA premiums for nine months for certain "assistance eligible individuals". Employers are required to notify these individuals of the new Federal subsidy. Because the term "assistance eligible individuals" includes people who lost coverage due to layoff or termination of employment after September 1, 2008, employers are also required to notify persons who may have already received a COBRA notice and made a COBRA election. The new requirements take affect immediately.
Assistance Eligible Individuals. The new subsidy is available to all "assistance eligible individuals". An "assistance eligible individual" means any COBRA qualified beneficiary who qualifies for COBRA continuation coverage between September 1, 2008 and December 31, 2009 by reason of involuntary termination of a covered employee's employment during this period.
How The Subsidy Works. For group health plans other than multiemployer plans and government plans, the employer may charge the assistance eligible individual no more than 35 percent of the cost of coverage for the first nine months of continuation coverage. The employer must pay the full cost of the coverage to its group health provider. The employer may treat the portion of the premium that it pays out of pocket as an additional Federal employment tax payment, and reduce its Federal employment tax deposits by a corresponding amount. COBRA also permits an employer or group health plan to charge an additional 2 percent in addition to the cost of premium to cover administrative costs. The Act does not specify how this 2 percent administrative charge is computed with respect to subsidized premiums. However, commentators have suggested that the administrative charge applies to the full amount of the premium (including the subsidized portion) and that the subsidy applies to the 2 percent administrative charge as well as the underlying premium. Thus, for example, if the monthly group health premium is $100, the total charge for coverage before the application of the Federal subsidy cannot exceed $102. Under the Act, the employer may not charge the assistance eligible individual more than $35.70 (35% of $102).
New Notice Requirements. Current COBRA regulations require the employer to notify the "plan administrator" of the group health plan within 30 days after the occurrence of qualifying event, and that the "plan administrator" provide a COBRA notice to the qualifying COBRA beneficiaries within 14 days after it receives notice of the qualifying event from the employer. If the employer is also the plan administrator, the employer has 44 days from the date of the qualifying event to provide the COBRA notice to the qualifying COBRA beneficiaries.
In 2004, the U.S. Department of Labor ("DOL") published a model COBRA notice for group health plan administrators. This model notice can no longer be used for any assistance eligible individual. Instead, the plan administrator must provide assistance eligible individuals a notice that includes an explanation of the Federal subsidy. The Act provides that a COBRA notice to an assistance eligible individual will not be treated as a COBRA notice unless it contains this explanation. Therefore, failure to provide the explanation will trigger the penalty on the employer for failure to provide the COBRA notice. Failure to include the explanation in a COBRA notice will also extend the qualified beneficiary's COBRA election period.
The Act requires the DOL to publish an updated model notice within 30 days of enactment (i.e. by March 19, 2009).
Notifying Former Employees. The Act extends the COBRA subsidy to former employees whose employment was involuntarily terminated on or after September 1, 2008. Some of these employees may have declined COBRA coverage because they could not afford the continuation premiums. Accordingly, the Act requires employers to notify these former employees of the Federal subsidy. The Act also provides a new 60-day COBRA election period for these former employees.
Changing Coverage COBRA Election. Under the Act, an employer may allow an assistance eligible individuals to change coverage to a lower cost plan offered by the employer. The employer is not required to allow this election. If the employer offers this election, its COBRA notice must explain that any election to change coverage applies to the entire COBRA continuation period, notwithstanding that the Federal subsidy expires after nine months.
Hiscock & Barclay, LLP Recommendations. We recommend that employers begin compiling a list of assistance eligible individuals (former employees whose employment was involuntarily terminated since September 1, 2008 and their covered dependents). We recommend that employers wait for the DOL to release its updated model notice (expected within 30 days) unless waiting would result in missing the deadline to provide COBRA notices to the assistance eligible employee. If the employer provides COBRA notices to assistance eligible individuals before the DOL issues its updated model, the notices must incorporate the Act's provisions.
The Act does not affect an employer's obligations with respect to qualified COBRA beneficiaries who lose coverage by reason other than involuntary termination of employment. Therefore, we recommend that employers follow their current COBRA procedures with respect to these individuals.
If you require further information regarding the information presented in this Legal Alert and its impact on your organization, please contact any of the members of the Practice Area.


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Mobile health solutions have the potential to dramatically change the healthcare industry, according to George MacGinnis from Continua Health Alliance.
In an interview, held ahead of the Connected World Forum that will take place on 19-22 November in Dubai, MacGinnis said that there is an increasing realization that the entry of mHealth is a real game changer.
The two most important changes leading to this are the advent of touchscreen devices, which transforms the accessibility of mobile for older people, and the way this will enable new health apps.
The global mHealth market will jump to $11.8 billion by 2018, climbing at an impressive Compound Annual Growth Rate (CAGR) of 39%, from $1.2 billion in 2011, according to a report, published in August by GlobalData.
MacGinnis added that regulation and reimbursement are the two major issues that threaten the adoption of mHealth solutions in the healthcare industry.
"There are many uncertainties about the scope of medical device regulations: what exactly qualifies a device as a medical device, what class of device is a mobile app and does connecting your phone to a medical device make that phone a medical device?," MacGinnis said. "This creates a degree of uncertainty for device manufacturers and the industry as a whole".
He added that there is a huge need around chronic disease management in both emerging and developed economies. According to MacGinnis, emerging economies offer many times a fresh approach to disease management.
"I think we will see mobile services emerging from regions like the Gulf, India, China and South America being re-imported into the older developed economies – where professional structures and regulations, established insurance practices and other factors are arguably holding back the potential for mobile health," MacGinnis said.
"However, no matter the marketplace, when you look around the world it is evident that more and more people are prepared to go virtual to manage their healthcare and this will create a demand to change and modernize that no health system is likely to be able to ignore".
Monday, August 13, 2012
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Saint Cecilia DK
Saint Cecilia singles sw merino DK
Out of stock
Saint Cecilia is the patron saint of musicians and inspiration for this variegated colourway was taken from a Foo Fighters album cover. Pinks, purple, blue, black and white have been dyed on this soft single ply 100% superwash merino double knit (DK) yarn.
The 100g skein is approx. 220m/240yds long.
Suggested needle size 4mm-5mm.
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Asahi Kikuzou II visual 朝日聞蔵IIビジュアル
The Asahi Kikuzou is the online database of one of Japan's leading newspapers Asahi Shimbun. The Asahi Kikuzou database offers full access to all national and most regional publications of the Asahi Shimbun since its inauguration. Aside from newspaper articles, the database contains a popular wordbook, a person database and a historical photo archive.
After pressing the big green button saying "Enter (SSL)" you are taken to the main screen with five different tabs. They give access to the following sources: (more…)


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Historic Vineyards
Greek vineyards through millennia, which starts from prehistoric times, has undoubtedly left its traces in history, through its unique and famous wines. The wine regions of the mainland and the islands of Greece, the hundreds of indigenous grape varieties and the long wine tradition of the country, make up the rich history of the Greek vineyard. There are many areas where the modern vineyard of Greece, cultivates the very same soil that gave the famous wines during antiquity.


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Patrick Shafroth, Ph.D.
Patrick B. Shafroth is a research ecologist with the U.S. Geological Survey, Fort Collins Science Center. Since 1991, Dr. Shafroth has conducted research on riparian ecosystems, primarily in arid and semi-arid regions of western U.S. He and his colleagues from the USGS and other institutions have focused their work on understanding relationships between surface and ground-water hydrology, fluvial processes, and the dynamics of native and introduced riparian vegetation. This research has often been conducted in the applied context of riparian ecosystem restoration with the goal of providing solid, objective scientific information that can be used to inform riparian restoration efforts. More specific restoration-related research areas include studies of large-scale flow experiments, dam removal, effects of invasive species control and associated restoration actions, and potential interactions with climate change.
Some of Dr. Shafroth's current research includes studies of: vegetation and geomorphic responses to experimental flow releases downstream of dams on the Bill Williams River, Arizona; the Colorado River delta in Mexico and the U.S.; and the the Colorado River in Grand Canyon; vegetation and geomorphic responses to dam removal on the Elwha River, Washington, where the world's largest dam removals occurred recently; dynamics of non-native riparian plants along western rivers, including patterns of riparian vegetation recovery associated with biological control of Tamarix.
- Ph.D. in Plant Biology, Arizona State University, 1999
- M.S. in Forest Ecology, Colorado State University, 1993
- B.A. in Environmental Studies and Geography, University of California, Santa Barbara, 1989
Science and Products
USGS science supporting the Elwha River Restoration Project
The Elwha River Restoration Project...
... has reconnected the water, salmon, and sediment of a pristine river and coast of the Olympic Peninsula of Washington. Coordinated by the National Park Service, restoration of the Elwha River included the removal of two large dams that had blocked salmon and sediment passage for almost 100 years. The largest dam removal in U.S. history began in...
Ecological Drought in Riparian Ecosystems
Drought is killing riparian trees along many rivers in the western United States. The cause can be increasing temperature or decreasing precipitation, flow or water-table elevation. At multiple locations we are relating water availability to physiological measurements of tree survival and water stress, such as ring width, carbon stable isotope ratio and branch hydraulic conductivity. These...
Ecology and Management of Invasive Riparian Plants
Due to high rates of disturbance and human activity, streamside or "riparian" areas are prone to colonization and spread of invasive plants. In the western United States, hundreds of thousands of riparian acres are occupied by the invasive shrubs/trees tamarisk and Russian olive, as well as numerous exotic herbaceous plants. Our work focuses on understanding the factors driving the...
Erosion and Invasive Saltcedar
Formation of arroyos in the late 1800s greatly increased erosion across the southwestern United States. Since the 1930s, however, this erosion has decreased, partly because of bank stabilization by introduced saltcedar. With Isleta Pueblo Indian Nation, the Aquatic Systems Branch developed a new sediment dating method using saltcedar tree rings. We applied the method in a landmark study of...
Riparian Ecology
Riparian ecologists in the AS Branch study interactions among flow, channel change, and vegetation along rivers across the western United States and worldwide. Our work focuses on issues relevant to the management of water and public lands, including dam operation, climate change, invasive species, and ecological restoration. Investigations take place on a range of scales. For example,...
Riparian Vegetation Response to Dam Removal
Dam removal is an approach to river restoration that is becoming increasingly common. In most cases, dam removal is driven by considerations other than river restoration like dam safety, but how dam removal affects aquatic and riparian systems is of great interest in many dam removals. My work in this area has had two areas of focus thus far: 1) studies of vegetation and geomorphic change...
Science to Inform Riparian Ecosystem Restoration and Management
Throughout the world, riparian habitats have been dramatically modified from their natural condition. Dams, non-native species and climate change are often principal drivers of these changes, via their alteration of water and sediment regimes that determine key resources for riparian plants.
Large-scale streamflow experiments
Because the underlying cause of riparian system alteration is often attributed to the effects of dams on flow regime, managing flow releases, particularly high flows, from dams is an often-advocated approach to river and riparian restoration. Our work has focused on understanding effects of managed high flow releases (a.k.a., pulse flows, controlled floods) from dams along rivers in the lower...
Biological Invasions of Riparian Ecosystems
Beginning in the early twentieth century, non-native trees and shrubs, including tamarisk (also commonly known as saltcedar) and Russian-olive, were introduced to the United States for use as ornamental plants and in erosion-control plantings. These plants spread extensively, becoming the third and fourth most frequently occurring woody riparian plants in the American West.
Streamflow-fluvial Geomorphology-riparian Vegetation Interactions
The foundation for applying science to river and riparian restoration contexts lies in a basic understanding of the factors that drive riparian vegetation dynamics. Much of our research is focused on clarifying relationships between streamflow, fluvial geomorphology, and riparian vegetation, including various feedbacks.
Dam removal: synthesis of ecological and physical responses
Dam decommissioning is rapidly emerging as an important river restoration strategy in the U.S., with several major removals recently completed or in progress. But few studies have evaluated the far-reaching consequences of these significant environmental perturbations, especially those resulting from removals of large (>10-15 m tall) structures during the last decade. In particular,...
Projecting Future Climate Effects on Cottonwood and Willow Seed Dispersal and Tree Regeneration in Western Riparian Forests
Throughout western North America, warming associated with climate change is leading to both earlier spring peak streamflows and earlier seed dispersal, potentially reducing seedling establishment and in turn reducing the quality of riparian (near-river) forests, which provide critical habitat for diverse birds, mammals, reptiles, amphibians, and insects, and food and shade for fish and other...
Conceptualizing ecological responses to dam removal: If you remove it, what's to come?
One of the desired outcomes of dam decommissioning and removal is the recovery of aquatic and riparian ecosystems. To investigate this common objective, we synthesized information from empirical studies and ecological theory into conceptual models that depict key physical and biological links driving ecological responses to removing dams. We...Bellmore, J. Ryan; Pess, George R.; Duda, Jeffrey J.; O'Connor, Jim E.; East, Amy E.; Foley, Melissa M.; Wilcox, Andrew C.; Major, Jon J.; Shafroth, Patrick B.; Morley, Sarah A.; Magirl, Christopher S.; Anderson, Chauncey W.; Evans, James E.; Torgersen, Christian E.; Craig, Laura S.
Vegetative and geomorphic complexity at tributary junctions on the Colorado and Dolores Rivers: a blueprint for riparian restoration
ContextHabitat complexity in rivers is linked to dynamic fluvial conditions acting at various spatial scales. On regulated rivers in the western United States, tributaries are regions of high energy and disturbance, providing important resource inputs for riparian ecosystems.ObjectivesThis study investigated spatial patterns and extents of...White, Margaret S.; Tavernia, Brian G.; Shafroth, Patrick B.; Chapman, Teresa B.; Sanderson, John S.
Regeneration of Salicaceae riparian forests in the Northern Hemisphere: A new framework and management tool
Human activities on floodplains have severely disrupted the regeneration of foundation riparian shrub and tree species of the Salicaceae family (Populus and Salix spp.) throughout the Northern Hemisphere. Restoration ecologists initially tackled this problem from a terrestrial perspective that emphasized planting....Gonzalez, Eduardo; Martinez-Fernandez, Vanesa; Shafroth, Patrick B.; Sher, Anna A.; Henry, Annie L.; Garofano-Gomez, Virginia; Corenblit, Dov
Landscape-scale processes influence riparian plant composition along a regulated river
Hierarchical frameworks are useful constructs when exploring landscape- and local-scale factors affecting patterns of vegetation in riparian areas. In drylands, which have steep environmental gradients and high habitat heterogeneity, landscape-scale variables, such as climate, can change rapidly along a river's course, affecting the relative...Palmquist, Emily C.; Ralston, Barbara; Merritt, David M.; Shafroth, Patrick B.
Effectiveness of environmental flows for riparian restoration in arid regions: A tale of four rivers
Environmental flows have become important restoration tools on regulated rivers. However, environmental flows are often constrained by other demands within the river system and thus typically are comprised of smaller water volumes than the natural flows they are meant to replace, which can limit their functional efficacy. We review...Glenn, Edward P.; Nagler, Pamela L.; Shafroth, Patrick B.; Jarchow, Christopher
Riparian plant composition along hydrologic gradients in a dryland river basin and implications for a warming climate
Droughts in dryland regions on all continents are expected to increase in severity and duration under future climate projections. In dryland regions, it is likely that minimum streamflow will decrease with some perennial streams shifting to intermittent flow under climate-driven changes in precipitation and runoff and increases in temperature....Reynolds, Lindsay; Shafroth, Patrick B.
Secondary invasions of noxious weeds associated with control of invasive Tamarix are frequent, idiosyncratic and persistent
Control of invasive species within ecosystems may induce secondary invasions of non-target invaders replacing the first alien. We used four plant species listed as noxious by local authorities in riparian systems to discern whether 1) the severity of these secondary invasions was related to the control method applied to the first alien; and 2)...González, Eduardo; Sher, Anna A.; Anderson, Robert M.; Bay, Robin F.; Bean, Daniel W.; Bissonnete, Gabriel J.; Cooper, David J.; Dohrenwend, Kara; Eichhorst, Kim D.; El Waer, Hisham; Kennard, Deborah K.; Harms-Weissinger, Rebecca; Henry, Annie L.; Makarick, Lori J.; Ostoja, Steven M.; Reynolds, Lindsay V.; Robinson, W. Wright; Shafroth, Patrick B.; Tabacchi, Erich
Vegetation response to invasive Tamarix control in southwestern U.S. rivers: A collaborative study including 416 sites
Most studies assessing vegetation response following control of invasive Tamarix trees along southwestern U.S. rivers have been small in scale (e.g., river reach), or at a regional scale but with poor spatial-temporal replication, and most have not included testing the effects of a now widely used biological control. We monitored plant...González, Eduardo; Sher, Anna A; Anderson, Robert M.; Bay, Robin F.; Bean, Daniel W.; Bissonnete, Gabriel J.; Bourgeois, Bérenger; Cooper, David J.; Dohrenwend, Kara; Eichhorst, Kim D.; El Waer, Hisham; Kennard, Deborah K.; Harms-Weissinger, Rebecca; Henry, Annie L.; Makarick, Lori J.; Ostoja, Steven M.; Reynolds, Lindsay V.; Robinson, W. Wright; Shafroth, Patrick B.
A large-scale environmental flow experiment for riparian restoration in the Colorado River delta
Managing streamflow is a widely-advocated approach to provide conditions necessary for seed germination and seedling establishment of trees in the willow family (Salicaceae). Experimental flow releases to the Colorado River delta in 2014 had a primary objective of promoting seedling establishment of Fremont cottonwood (Populus fremontii) and...Shafroth, Patrick B.; Schlatter, Karen; Gomez-Sapiens, Martha; Lundgren, Erick; Grabau, Matthew R. ; Ramirez-Hernandez, Jorge; Rodriguez-Burgeueno, J. Eliana; Flessa, Karl W.
Integrating active restoration with environmental flows to improve native riparian tree establishment in the Colorado River Delta
Drastic alterations to river hydrology, land use change, and the spread of the nonnative shrub, tamarisk (Tamarix spp.), have led to the degradation of riparian habitat in the Colorado River Delta in Mexico. Delivery of environmental flows to promote native cottonwood (Populus spp.) and willow (Salix spp.) recruitment in human-impacted riparian...Schlatter, Karen; Grabau, Matthew R. ; Shafroth, Patrick B.; Zamora-Arroyo, Francisco
Dam removal: Listening in
Dam removal is widely used as an approach for river restoration in the United States. The increase in dam removals—particularly large dams—and associated dam-removal studies over the last few decades motivated a working group at the USGS John Wesley Powell Center for Analysis and Synthesis to review and synthesize available studies of dam removals...Foley, Melissa M.; Bellmore, James; O'Connor, James E.; Duda, Jeffrey J.; East, Amy E.; Grant, Gordon G.; Anderson, Chauncey W.; Bountry, Jennifer A.; Collins, Mathias J.; Connolly, Patrick J.; Craig, Laura S.; Evans, James E.; Greene, Samantha; Magilligan, Francis J.; Magirl, Christopher S.; Major, Jon J.; Pess, George R.; Randle, Timothy J.; Shafroth, Patrick B.; Torgersen, Christian E.; Tullos, Desiree D.; Wilcox, Andrew C.
It takes more than water: Restoring the Colorado River Delta
Environmental flows have become important tools for restoring rivers and associated riparian ecosystems (Arthington, 2012; Glenn et al., 2017). In March 2014, the United States and Mexico initiated a bold effort in restoration, delivering from Morelos Dam a "pulse flow" of water into the Colorado River in its delta for the purpose of learning...Pitt, Jennifer; Kendy, Eloise; Schlatter, Karen; Hinojosa-Huertaf, Osvel; Flessa, Karl W.; Shafroth, Patrick B.; Ramirez-Hernandez, Jorge; Nagler, Pamela L.; Glenn, Edward P.


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Some new projects. One is writing a biography from the outline A Moment in Time I have done on one of the most influential teachers in my life named Raymond Alf. Ray was born to missionary parents in China in the middle of the great revolution of China into the modern world. He ended up a teacher at the Webb School of California where I attended. The greatest teacher I ever had. I've been in contact with Webb on the book and we are all moving forward on it. Thanks, again, to the contribution of a number of outside contributors (Webb alumni) through expression to me of their memories of Ray Alf. I am working as co-author with a faculty member of my old high school in writing a biography of Ray Alf with A Moment in Time. I've been up to visit my old high school and look at the archives that track Ray's life. Footprints in time as Ray might say. For once, it is Ray that has left some impression on the earth, in the earth, and it is up for a type of paleontologist biographer (like I hope I can be) that one hope to discover the incredible life of Ray Alf. As one can say, it is a life that is covered constantly blowing sands of time. Somewhat like Bob Hope Drive into Palm Desert used to be covered by sand when you got off Interstate-10 in the 70s. Like some lives that possess flash and "loudness" to them, Ray's life for me was more of a surrounding feeling than something that might be expressed as some teaching content. Like water for fish, for me Ray added some ubiquitous context to my three years at Webb School of California. Not some brand of cereal to be picked up and used and discarded at will. But more of this overall context of life that was more than another product or brand. The outline is based on years covering Ray's life and is now at 16,000 words. I'm heading in to Claremont in a few weeks to discuss the transfer of an outline to a a type of fictional history perhaps somewhat like a post, post modern Ragtime.
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In addition to the A Moment in Time outline, we also have a 16,000 word outline called Transcendental City (tentatively titled this … a better title?) for an eclectic history of Palm Desert. It has been created through our friendship with Sunblet Books publisher Diana Lindsay (thanks so much Diana!) and our association with the Palm Desert Historical Society. The outline begins when the Coacehlla Valley was under water and continues to the present. An ongoing work so far. We only wish that we could combine our pro-Randall Henderson perspective on the founding of Palm Desert with the pro-Clifford Henderson perspective from my friend Jenny. (I wish we could work out some type of artistic truth and combine forces to publish jointly. We will simply have to wait and see what ultimately happens. I have a 16,000 word outline and Jenny has a 400 page manuscript.


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Big Sandy Community and Technical College Art Gallery opens with first Fall Show
Published on Sep 11, 2017
Big Sandy Community and Technical College art gallery has opened for the fall with its first show featuring two of its own faculty members.
Tina Ousley and Tim Smith are both faculty members by day and are painters and sculpters by night. Tina is a professor who teaches biology and anatomy and physiology at the college and Tim is an art professor at the college who can be seen with his students drawing outdoors each semester. This show features original and one of a kind oil paintings from both and sculptures from Smith.
"We are excited to have our first show in the gallery for the fall. We are also looking forward to upcoming gallery shows" said Tim Smith
The show will be on display in the Dr. Michael B. and Carolyn S. McCall art gallery until late September. The art gallery is open daily Monday – Friday from 9:00a.m until 4:00p.m. for visitors. If you would like more information about this show or any upcoming shows, please contact Tim Smith at email@example.com


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You are qualified to register to vote in Ohio if you meet all the following requirements:
Register to Vote
For further information, you may consult the Secretary of State's Web site at: www.ohiosos.gov or call 1-877-767-6446
If you have a current valid Ohio driver's license, you must provide that number on line 10. If you do not have an Ohio driver's license, you must provide the last four digits of your Social Security number on line 10. If you have neither, please write "None."
If you register by mail and do not provide either a current Ohio driver's license number or the last four digits of your Social Security number, please enclose a copy of one of the following forms of identification with your registration application:
Your registration cannot be processed without your signature. On line 14, please affix your signature or mark taking care that it does not touch surrounding lines or type so it can be effectively used to verify your identity. If your signature is a mark, include the name and address of the person who witnessed the mark beneath the signature line. If by reason of disability you are unable to physically sign, you may follow specific procedures found in Ohio law (R.C. 3501.382) to appoint an attorney-in-fact who may sign this form on your behalf at your direction and in your presence.
You are entitled to vote by absentee ballot in Ohio without providing a reason. Absentee ballot applications may be obtained from your county board of elections or the Secretary of State at: www.ohiosos.gov or by calling 1-877-767-6446.
Many forms of identification will be accepted. They are:
Early In-Person and Absentee Voting
Election Day Voting
For more information on voter identification requirements, please consult the Secretary of State's Web site at: www.ohiosos.gov or call 1-877-767-6446.
Note: Ohio law provides you cannot use as proof of identification a notice that the board of elections mailed to you. Voters who do not provide one of these documents will still be able to vote by provisional ballot.
Notice: Your registration or change must be received or postmarked by the 30th day before an election at which you intend to vote. You will be notified by your county board of elections of the location where you vote. If you do not receive a notice prior to Election Day, please contact your county board of elections.
Whoever commits election falsification is guilty of a felony of the fifth degree.


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Appartements Ferchergasse
- Free WiFi
- Collect nights
Appartements Ferchergassefrom ZAR 1,460
- Studio (2 people - under the roof)
- Apartment, 1 Bedroom (3 people - under the roof)
- Studio (2 people - 2nd floor)
- Studio, Terrace, Garden Area (2 people - Dr. Josef Resch Platz 15a)
- Studio, Balcony (2 people - Dr. Josef Resch Platz 15a)
- Studio, Terrace, Garden Area (2 people - Heigerleinstrasse 55)
- Apartment, 2 Bedrooms, Garden Area (8 people)
- Apartment, 2 Bedrooms (5 people - Ferchergasse 21/7)
- Apartment, 2 Bedrooms (5 people - Ferchergasse 21/18)
- Superior Studio (2 people)
- Apartment, 2 Bedrooms (4 people - 2nd floor)
- Apartment, 1 Bedroom, Terrace (2 people - under roof)
- Apartment, 1 Bedroom (4 people - 3rd floor)
- Apartment, 1 Bedroom, Terrace (4 people - under the roof)
- Economy Apartment, 1 Bedroom
What's around Appartements Ferchergasse
Top spots nearby
Recommended by this property
- Ottakringer Brewery (12-minute walk)
- Wilhelminen Hospital (18-minute walk)
- Vienna General Hospital (21-minute walk)
- Stadthalle (26-minute walk)
- Votive Church (30-minute walk)
- Kirche am Steinhof (30-minute walk)
- University of Vienna (32-minute walk)
- Rathausplatz (32-minute walk)
- Burgtheater (33-minute walk)
Getting around
- Vienna (VIE-Vienna Intl.) - 35 min drive
- Westbahnhof station - 13 min drive
- Vienna Franz-Josefs-Station - 16 min drive
- Vienna Hütteldorf Station - 17 min drive
- Hernals S-Bahn - 4 min walk
- Gersthof S-Bahn - 19 min walk
- Ottakring U-Bahn - 19 min walk
- Airport shuttle (surcharge)
- Train station pick-up (surcharge)
At a glance
Key facts
- 14 apartments
- Check-in time 2 PM-10 PM
- Check-out time is 11 AM
- Express check-in/out
To make arrangements for check-in please contact the property ahead of time using the information on the booking confirmation.
24-hour airport shuttle service is available on request. Fees may apply. Contact the property in advance to make arrangements. Deposit is based on the unit size and is due at check-in. For more details, please contact the property using the information on the reservation confirmation received after booking.
Required at check-in
- Credit card, debit card, or cash deposit required for incidental charges
- Government-issued photo ID required
- Minimum check-in age is 18
Travelling with others
- No pets or service animals allowed
- Free WiFi in public areas
- Free WiFi in rooms
- Airport shuttle (available 24 hours) *
- Train station pick-up *
- Self parking (limited) *
Payment types at the property
- Cash
Other information
- Smoke-free property
The manager
Speaks: English, German.
At the property
- Front desk (limited hours)
- Tours/ticket assistance
- Laundry facilities
- Luggage storage
- Multilingual staff
- Elevator
- Safe-deposit box at front desk
- Garden
- English
- German
In the apartment
- Espresso maker
- Coffee/tea maker
- Iron/ironing board
- Blackout drapes/curtains
- Individually decorated
- Individually furnished
- Separate sitting area
- Bathtub or shower
- Hair dryer
- Flat-screen TV
- Satellite TV channels
- Desk
- Free WiFi
- Phone
- Full-sized refrigerator/freezer
- Microwave
- Kitchen
- Stovetop
- Cookware, dishware, and utensils
- Dishwasher
- In-room safe
- Access via exterior corridors
Appartements Ferchergasse's small print
Also known as
- Appartements Ferchergasse
- Appartements Ferchergasse Apartment
- Appartements Ferchergasse Apartment Vienna
- Appartements Ferchergasse Apartment
- Appartements Ferchergasse Apartment Vienna
- Appartements Ferchergasse Vienna
- Ferchergasse
- Ferchergasse Appartements
- Appartements Ferchergasse Vie
- Appartements Ferchergasse Vienna
Only registered guests are allowed in the guestrooms.Onsite parties or group events are strictly prohibited. Please note that cultural norms and guest policies may differ by country and by property. The policies listed are provided by the property.
For transfers, guests must contact the property 48 hours prior to arrival at the number on the booking confirmation.
Mandatory fees
You'll be asked to pay the following charges at check-in or check-out:
- A 2.832 percent city/local tax will be charged
Optional extras
Late check-in after 10 PM can be arranged for an extra charge of EUR 30
Self parking costs EUR 15.00 per day
Rollaway beds are available for EUR 22.00 per day
Airport shuttle service is offered for an extra charge of EUR 32 per vehicle (one-way)
Train station pick-up service is offered for an extra charge
We have included all charges provided to us by this property. However, charges can vary, for example, based on length of stay or the unit you book.
Recent reviews
Fabulous 8,6 From 46 reviews
Great stay the owner was great gave us lots of info and ready to help with anything. the room was pleasant and presented nicely. location was great easy access to trams and trains and not far from city. would recommend for sure
This was a great little apartment. Trying to find something suitable whilst the Vienna marathon was happening was not easy. The owner Christian was great during check in and explained everything and assisted with local car parking. The apartment had everything you needed however a microwave should have been a great addition. The beds were comfortable in the main room and block out blinds were great. I will however state the fold out bed in the living room wasn't that comfortable. The location is great with easy access to supermarkets, restaurants and transport.
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Volleyball is for everyone. Many believe volleyball to be an especially accepting and inclusive community, and it begins when players are first introduced to the sport at a young age. In the United States, 50% of students in grades 6-12 who identify as lesbian, gay, bisexual, or transgender (LGBT) reported being harassed or bullied in P.E. or gym class (GLSEN, 2013).
In a recent study of nearly 9,500 gay and straight people in the United States, 89% believe a sports environment is more homophobic than the rest of society (Out on the Fields, 2016). In that same study, 84% of respondents witnessed or experienced homophobia in sports. There are helpful ways that Club Directors and Coaches can ensure a safe environment for all participants and members of your club.
Here are some ways to begin:
- Understand that this topic applies to all of us. We all know someone who is LGBTQ – they just might not be out yet.
- Educate yourself on LGBTQ people in sports and the issues they face.
- It's okay to not know all the answers. As you start the conversation, research and reach out to find out answers to questions you still have.
- Start by asking one or two people in your club: "How can we create safer spaces for LGBTQ athletes, coaches, and fans?"
- Take action to make this a full club conversation.
We encourage that JVA Club Directors and Coaches apply these steps to ensure equality and respect for all players, coaches, officials, administrators, and fans.
At all levels, LGBTQ inclusion is important to address. For coaches, respect and inclusion are key elements for any successful team. If a coach does not call out derogatory language and discuss the inclusion of LGBTQ athletes, a team culture can quickly turn negative and unwelcoming. This can impact an athlete's ability to perform well or may even cause an athlete to quit due to a lack of support.
Clubs have an equal responsibility to their coaches. While it may come as a shock to some, instances of clubs firing coaches based on their sexual orientation pop up year after year. This same discrimination can exist within clubs' hiring and promotion practices. Such practices are not only unethical but can result in legal action against the club in a growing number of states and localities.
You Can Play is available as a resource for clubs looking to ensure a safe and inclusive environment. You Can Play works to ensure safety and inclusion for all whoparticipate in sports, including lesbian, gay, bisexual, transgender, queer and/or questioning (LGBTQ) athletes, coaches, and fans.
For more information on You Can Play and resources you can use to create a more respectful environment, visit www.youcanplayproject.org or follow You Can Play on social media at @youcanplayteam. You Can Play is here to assist clubs in ensuring that volleyball is truly for everyone!
About the Author
Nathan Matthews is a Regional Board Member of You Can Play. He is the Head Girls' Volleyball Coach at Tecumseh High School and Head Boys' Volleyball Coach at Miamisburg High School,in Ohio. In addition, Nathan is an Assistant Coach for Ohio Valley Region High Performance. Nathan can be contacted at firstname.lastname@example.com


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As the Meetings and Group Events Coordinator for The Winds Resort and Beach Club in Ocean Isle Beach, NC, my goal is to assist you in the planning of your meeting and or corporate events and functions.
The Winds is the perfect location for focused, productive meetings without the distractions of larger properties. Precisely because we are a smaller resort each meeting and function is of great importance to us.
As the on-site corporate event planner, I bring my experience and I will strive to ensure that each meeting's expectations are fulfilled by going the extra mile to make it a perfect event!
I'll help you plan with details of your meeting or retreat and offer ideas on how to make it a memorable experience for your team. I can arrange group activities, help you plan for catered meals, give suggestions on local destinations, and help you get the most out of your budget.
I'll take care of the legwork, the details, and the accommodations so you can be free to do your best work.
We aim to eliminate the stress that comes with planning so you can make the most of your time. I'm here to help you, so contact me today and let's start planning a great event!
Beth Turner
Meetings & Groups Coordinator
The Winds Resort and Beach Club
Ocean Isle Beach, NC
1-910-579-6275, Ext. 2


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DAN300 Luxe Body treatment sachet-FOCUS
Sorry, currently out of stock
There is nothing more relaxing than a bath with beautiful mineral salts and fragrant oils to calm the soul. And for those without a bath we have a lovely simple recipe for use as a body scrub. This is why we have called this a Luxe Mineral Salt Treatment, its not just a bath salt its so much more.
The Luxe Body Treatment Sachet is a great add on gift or simply something for ones self to enjoy.
Style - Focus
Fragrance - Ylang Ylang & lime
Product Details
- Sachet : 50g
- Package Size : 100 x 130mm
- Packaging & Mineral Salt & Clay Body Polish Hand Made In Australia
Ingredients - Mineral Sea Salt, Epsom Salt, Sunflower Oil, Clay, Fragrance, Essential Oils, Natural Food Colour
Recipe for Use : combine the fragrant salts with water and make into a paste, apply t the skin for alight scrub, then rinse.
For a deeper moisturising polish, add a few teaspoons of olive or coconut oil to the paste (with no water).
For use in a bath : drop contents of this sachet as bath salts into a warm full bath.


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Psst!Tuesday, May 3rd, 2011 by Marie
Hey, we've changed locations for our blog!
(This will never happen again. Promise. I think.)
The new blog is here (along with our new website!). Bigger photos, more content, and easier access to great Bosque info. For our Spanish speaking readers, we are working hard to get the new website translated into Spanish; for now, stay with us here and keep looking for new entries at the Spanish version of our blog.
To subscribe and read our blog in your reader of choice, click here.


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Cultural centre Man Ray is active in Cagliari from 1995 as a free association of the professionals in the field of culture and its official site is Via Campania 26; its schoolroom site is in via Isonzo, Cagliari.
The centre is active in the field of the social culture and its main task is to disseminate artistic expressions of the visual communication through the organization of artistic and didactic exhibitions, debates, workshops, conferences and performances. Particular attention is paid to photography in the Man Ray Photo School directed by Stefano Grassi. Photo schools program includes both techniques of shooting and elaboration of digital photography, and lectures of history of art, applied physics, cinema, marketing and strategy of the enterprise.
Various activities practised by the Centre allowed to create an opportunity of exchange and communication between artists from different fields of art: from music to poetry, from fine arts to photography e video, from theatre to dance.
In activities of Man Ray centre participate all noted Sardinian artists from all parts of the regional territory and also some artists working on international level, they also support emerging young artists with an aim to recognize and promote new talents selected not only in the base of main interest of their artistic research but also of innovation of content of their works. For this reason in 2001 occurs Imperfetto futuro", an exhibition of Art in progress, planed and directed by Wanda Nazzari, the aim of which is to stimulate an artistic research through the promotion of youngsters separated in various fields: painting, photography, video, music, theatre, dance, poetry.
The inheritance of knowledge and professionalism matured in the long run are numerous personal exhibitions as well as national and international exhibitions realised by Man Ray Centre.
A particular care is dedicated to annual exhibitions "Stanze" and "Imperfetto futuro".
Through numerous initiatives (are realised about 250 exhibitions) distinguish:
"Stanze" from 1999 to 2012, multimedial project of Wanda Nazzari, an annual exhibition of visual arts: photography, fine arts, sculpture, video-art, installation, etc. The project foresees an interaction of visual arts, music, theatre, dance, poetry. The exhibition takes place according to two different lines: a proposal of one theme in the frame of which artists are invited to develop their work or another one, which through a expositive collectivity masks personal features of already well-known and affirmed artists.
"Percorsi dello Spirito" 1998/2000, multimedial project of Wanda Nazzari, an international exhibition of visual and performative arts: reflection through the values which characterize spiritual dimension and for which were invited artists from different geografic areas ( Italy, USA, Japan).
"Attraversamenti" 1999/2000, multimedial project of Wanda Nazzari. Exhibition of visual and performative arts.
"Imperfetto futuro" happening of art in progress 2001/2012, multimedial project of Wanda Nazzari, realised by Wanda Nazzari and Stefano Grassi. "Imperfetto futuro" art in progress, youthful festival of arts, is an interactive project of Wanda Nazzari, artistic director of Man Ray Cultural Centre. It borns in 2001 with an aim to promote and stimulate the creativity of young artists, offering them an opportunity to show off in various artistic fields together with other already affirmed artists in the field of music, theatre and dance, in full freedom and spirit of collaboration.
An historian of art, she teaches this subject at the upper secondary art school in Alghero. She cooperates with the University of Sassari. She has worked at the superintendency in charge of architectural and landscape assets and the historic, artistic and ethno-anthropological heritage of Sassari for the safeguarding of Sassari's architectural and artistic heritage.
She works with public and private organizations such as Time in Jazz, Su Palatu Fotografia, Associazione Culturale Sadomomanna, the Faculty of Architecture of Alghero, the municipal administrations of Alghero, Sassari and Bosa, the Conference of Italian Bishops (CEI) and the fine arts academy in Sassari. She has curated many exhibitions and since 1997 she has been the scientific consultant of the Man Ray Cultural Centre.
Gianfranca Loi graduates in 2003 in Modern Literature, with a thesis in History of Contemporary Art, at the University of Cagliari.
In 2006/2007 she attends the Master in management of Cultural and Artistic Events, at Palazzo Spinelli Art and Restoration institute of Florence, earning the title of "Technical expert in the management of museums and art galleries".
Since 2008 she has been collaborating with the cultural centre Man Ray in the organization of cultural and artistic events.
In 2006 she graduated in the history of art from the Sapienza University of Rome as a curator of contemporary art. In 2007 she attended the course of specialization leading to the title of "Expert in Network Cultural Content" of the Italian Ministry of Universities and Research (MIUR) and qualified as a "technician in educational services with functions of outward promotion operating in enhanced cultural and environmental sites" - the Parnaso Programme of the Sardinian regional administration. In 2008/2009 she worked for the UNICITY company in Rome as a copywriter specialized in the enhancement of cultural assets and business communications. From 2010 to 2013 she worked in Cagliari as a multimedia technician for the Karel video production company.
Involved in the field of contemporary art and photography museums, she has worked as a teacher of the history of photography and art at the school of photography of the Man Ray Cultural Centre in Cagliari, of which she is a member, and curates the exhibitions of the school's students at the end of their courses.


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No. Surgery is not always necessary for bunion correction. It is important to find out the underlying cause of a bunion in order to decide which treatment will work best to relieve pain.
If tight shoes and narrow toe boxes are the root cause of your bunion, choosing proper footwear with more room for the toes is highly recommended. If you have a bunion, consider replacing high heels with shoes that have better support and don't put as much pressure on the ball of the foot. Custom orthotics can be prescribed by a foot specialist in order to support weak foot structures and reduce the likelihood that a bunion will become severe.
Stretching the feet is a great way to help relieve the tightness of joints and the pressure of a bunion. Small, easy exercises will strengthen the tissues in the feet and reduce tension.
In severe cases, however, surgery may be the only option to reduce pain and correct the deformity. This type of procedure is called a bunionectomy, and is performed to remove the growth on the side of the toe and realign the bone to its natural position.


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By Greg Roumeliotis and Mike Stone
(Reuters) - Private equity firm Apollo Global Management LLC (APO.N) is in advanced talks to acquire Protection 1 in a deal that could value the U.S. home security company at close to $1.5 billion, including debt, according to people familiar with the matter.
Apollo has so far prevailed over other interested parties in an auction for Protection 1, including ADT Corp (ADT.N) and Ares Management LLC (ARES.N), the people said this week, asking not to be identified because the talks are confidential.
The negotiations with Apollo have not concluded, and Protection 1's owner, buyout firm GTCR LLC, may yet decide to sell the company to another bidder or cancel the sale altogether, the people added.
An Apollo spokesman and an ADT spokeswoman declined to comment. Protection 1, GTCR and Ares representatives did not immediately respond to requests for comment.
The potential deal underscores private equity's love affair with the security sector. Blackstone Group (BX.N) acquired Protection 1 competitor Vivint Inc for more than $2 billion in November 2012 and took its residential solar panel unit, Vivint Solar Inc (VSLR.N), public in September 2014.
Protection 1 also has its own fledgling solar panel business. It announced last month that its Brite Energy unit had partnered with MySolar IX LLC, a joint venture of Morgan Stanley (MS.N) and Main Street Power Co, to expand its rooftop power systems installation program. Brite raised more than $250 million in financing from GTCR and its partners.
Chicago-based Protection 1 provides security alarm monitoring services for residential and business customers. Those services include burglary and fire protection, access control, video surveillance and maintenance. It serves nearly 2 million customers and has more than 3,500 employees.
GTCR took Protection 1 private in 2010 for $828 million.
(Reporting by Greg Roumeliotis and Mike Stone in New York; Editing by Steve Orlofsky)


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Two Times Britten at Théâtre du Capitole, Toulouse
Théâtre du Capitole begins its run of an exciting double-bill including a new production of the Turn of the Screw and a revived Owen Wingrave. It will be directed by Walter Sutcliffe and conducted by David Syrus.
Performances on November 21, 23, 25 and 27. For more information click HERE.
Later this season, Anne-Marie joins Real Filharmonía de Galicia as Brangäne in a concert performance of excerpts from Tristan und Isolde and returns as Madam Larina in Eugene Onegin with Grange Park Opera. In 2016, she sings Mamma Lucia in the double bill of Cavalleria Rusticana and Pagliacci with Welsh National Opera.


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One who reads, writes. As promised, We keep bringing to you 'aS featured' where we publish select 'arbit speculations' submitted by our readers to us. The article featured below has been written by Mr. Sushil Malani, a product marketing professional, currently working with one of the leading telecom companies of India. This article will be followed by some more from the same author on connected topics in future aS-features.Disclaimer: The Views expressed here are personal and do not represent the POV of any particular company or team arbitSpecs.
One more giant fell in the quest to shape future of digitized, connected and mobile world. Nokia respectfully succumbed to the vortex of power struggle for operating system dominance.


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Most links to books, movies, and similar things are Amazon Affiliate links. Basically, this means if you click a link to a book etc. from Amazon, I make a few pennies.
I am also a "Blogging for Books" reviewer and as such, many (but not all) of the books I review I receive gratis from Multnomah/Water Brook.
I also occasionally do reviews on books or movies that I personally paid for. If the blog post does not say, "I received this book from…" etc., you can be sure that I purchased it myself.
Giveaways are paid for out of my own pocket (either the shipping or the whole thing if it isn't a book review book provided by Water Brook/Multnomah) unless otherwise stated.
I am available to review books or products upon request. Just contact me at chautona @ chautona . com.


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The book "How to Design and Make Automata"is now offered as a download from the internet as a PDF file.
If you are interested in Making your own Automata or teach Design and Technology you will be pleased to know that you can buy " How to Design " from Craft Education for£7.95 as a download it from our site(2mb file).
The E-book is A4 in size ( the size of a photocopy) it has 84 pages packed with practical advise and information and over 270 black and white illustrations to help you fully understand the principals of mechanical engineering in a simple and understandable way. Importantly all this information is directly related to making Automata. It also gives valuable advice on Designing and Constructing your own Automata as well as guidance on the purchase and use of special tools. It all amounts to a very clear, simple and comprehensive guide to anyone interested in making their own automata. You can view the contents on your computer or print it out. It is simple to use as it comes as a PDF file and runs under Adobe acrobat, which also comes on the CD-ROM.


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You need money and you need it now. Whether it's for a major medical expense or a new roof on your house, you find yourself with a necessity for more cash than you have available.
You lose sleep figuring out how to pay for these things. Then you wake up in the middle of the night with a lightbulb moment and declare, "I'll take a loan from my 401(k)!" feeling all proud of yourself for thinking outside of the box.
Hold up a sec. Yes, this is a viable option, but do you know the risks involved with taking out a loan from your 401(k)? We already looked at the cost of withdrawing early from your 401(k). Now let's look at the details involved with a 401(k) loan before you make a boneheaded decision that could hurt you down the road.
1. Purpose or Convenience
Are you being short-sighted? Why do you even have a retirement account? It may feel like you've won the lottery when you need money and there it is, in an account with your name on it. But that money doesn't exist to get you out of a pinch.
You contribute to a 401(k) to save money for your retirement, plain and simple. You may think you need the money now, but you won't be so pleased with yourself when you are 80 and living on the edge financially. Instead, create an emergency fund and tell yourself your 401(k) is off limits.
2. The Fine Deets
First, if you take a 401(k) loan, you are subject to double taxation on the interest. You don't pay taxes on the money borrowed (hallelujah!), but the loan will be repaid with after-tax funds.
Then, and this is the fun part, when you withdraw your funds in retirement, you are taxed again.
It gets better though. Regardless of how much your loan is, you will need to pay an origination fee back to the plan, usually $75. If you borrow $1000, that's 7.5%. And yeah, the interest you pay goes back to your account, but that's money you could have invested for more growth, which leads us to reason #3.
3. Stealing From Peter To Pay Paul
In this case, you are stealing from your future self to have the money on hand today. When you draw from your retirement savings to cover a debt or expense today, you lose out on significant growth potential and compound interest down the road.
Depending on how old you are, you may never be able to rebuild your savings. It may seem convenient to use your retirement savings in this way, but don't fall prey to a short-term perspective. It's true that interest rates for 401(k) loans are often low and you get to pay back the principal and interest to yourself instead of some bank, but that does not take into consideration the real cost of the loan, the opportunity cost of compound interest. Borrow only if you must.
4. Assuming Makes An Ass Out Of You And Me
How long are you planning to stay at your job? Considering Americans often change jobs more than eleven times throughout their career, with half of those job changes occurring before age 25, you may need to think long and hard about how long you are planning to stick with your current employer.
If you bite the bullet and are lured in by that attractive 401(k) loan, you could be in deep water if you are forced to pay it back sooner than you planned. Say you get a lucrative job offer from a different company that would be foolish to walk away from. You triumphantly accept the new job and then get an urgent email from the HR department at your current company. You open the email and the blood drains from your face.
You are in deep shit because you didn't realize (or didn't care) that if you left your job, you would have to pay back the entire loan in 60 days. If you don't, you have to pay income tax on the borrowed amount AND a 10% penalty if you are under 59½. Where are you going to get that money?
5. Repaying Vs. Contributing
Depending on your 401(k) plan, you might have to stop contributing to your plan while you are paying back the loan. Think about it. Will it take you the full five years to pay back your loan? That's five years you aren't building wealth for your golden years.
Don't even bother doing the math. It's a lot of money, enough to create a big problem for you down the road. Plus, that's five years of not using your 401(k) as a strategy to reduce your taxable income. (*Hot tip: To be strategic with your 401(k), download our free 401(k) ebook here).
6. Budget Buster
Your loan will most likely be repaid through paycheck deductions. If your loan is hefty, the deduction could be higher than what you were contributing initially, reducing your take-home pay. Your payments are not tax-deferred like your contributions were, so your taxes will increase, lowering your final paycheck amount even more. Get a calculator and make sure your budget can handle the difference.
Here's the thing guys, your retirement plan is not your piggy bank. If it seems too good to be true, it is. Be smart and talk to someone who knows what they're doing and take control of your money. Do you know what will help you keep your eyes on the retirement prize and avoid the "need it now" temptation? Having a thorough understanding of where you are at on your retirement planning journey. Compare yourself to this retirement planning checklist then chat with me for 15 minutes about your thoughts.
Could Your 401(k) Be Working Harder?
For many people, a 401k is their largest retirement account. It deserves your undivided attention. Download our Ultimate 401(k) Guide for a step-by-step strategy to master your 401(k), including a prioritized checklist. It's free!
About Greg
Pathway founder and principal Greg Brown is a fee only financial advisor with broad financial planning and investing expertise. Greg's financial advice has been featured in publications like Yahoo Finance, Bankrate, Investopedia (all articles here), Wall Street Journal, and USA Today. He holds a master's degree from the University of Chicago and a mechanical engineering degree from Michigan State University. Prior to Pathway, Greg was a lead analyst at Morningstar and previously held engineering roles at Dell (including a US Patent).
Also published on Medium.


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As first time cruisers we were fortunate enough to experience the Carribbean for my partners 60th/retirement celebrations. We decided that as we often visit the Med, that we wanted something special.And.....special it was!! However it ... Read More
As first time cruisers we were fortunate enough to experience the Carribbean for my partners 60th/retirement celebrations. We decided that as we often visit the Med, that we wanted something special.And.....special it was!! However it would have been equally special if we had sailed around in circles!!The ship definately made the holiday, what a fantastic experience. The size of the ship was the first shock, nothing could have prepared us for how vast it is. Secondly the security/organisation/and speed of boarding etc was amazing for almost 3500 passengers. No amout of reviews or photographs could prepare you for the facilities on board and the excellent staff who assisted our every need. The web site will tell you of all the restaurants/ bars/ entertainment available so I will just try to elaborate with some of our experiences. we had a super deluxe cabin which was far more somfortable than some expensive hotels we have stayed in. To sit on the balcony wearing our complimentary bathrobes, sipping complimentary champagne, overlooking the most fantastic sunsets I have seen conributed to the most relaxing holiday we have experienced. We chose to pre book 6 trips with P and O and were relly glad that we did. Yes, we could have had excursions in port that were cheaper , or taken local taxi's to a local beach etc, but I defy anyone to prove that they would provide such good value. We took one local trip with another group of people and had to agree that you need to be very careful about confirming what is included in the price. We specifically wanted to visit the live volcano in St Lucia...which we went to with the tour guide.However he omitted to inform us that the entrance fee for that and a botanical garden were not included!!!! So unless you merely want to visit a beach I would be wary. Our trips included swimming with Turtles and Stingrays which was a fantastic opportunity and experience, tubing down the Pagua river which was really good fun,a fantastice scenic trip on the Sugar Train,and a cycling trip around St Maarten which was probably the only trip we thought was overpriced. The onboard entertainment was amazing and our daily newspaper helped us to plan the day to suit ourselves.We usually opted for the early showing in the theatre before dinner, so that we could also manage to visit Havana for one of the tribute singers/ comedy acts. Each to their own but being bored was never an option. The restaurants are exceptional, and we personally preferred the buffet restaurants for breakfast or lunch only as the fine dining restaurants made the holiday even more special. The White room is a MUST to visit and East was a lovely change with beautifully presented food. My only criticism was that the 'towels on sunbed malarky' still existed and it was often very difficult to get near to the swimming pools. It is a good idea to enjoy the peace and quiet on 'Port ' days. I could go on and on about how fantastic it was but if I simply said that we very reluctantly left our cabin at the end of the trip vowing to return ASAP!! Read Less
Sail Date November 2011