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Poi Dog Pondering continue to thrive & evolve on their 8th full length album entitled "Everybody's Got A Star". Their unique signature 'Acous-tronic' blend of orchestral, rock and dance music influences, shine through with PDP's ever present irreverence to stylistic conformity.
"Everybody's Got A Star" is an unapologetic off-road venture, a Joy Ride recalling the vibe of 80's/90's Night Club DJs, adventurous enough to careen from one genre to the next, with a slight membrane of madness to the method.

subset: commoncrawl


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4 St George's Road
North Shields
Tyne And Wear
Naturally Heaven Therapy
Front Street
Newcastle Upon Tyne
Tyne And Wear
0191 3404794
We offer Relaxing, rejuvenating and therapeutic Massage therapy, Pregnancy Massage, Hand Reflexology, Foot Reflexology, Sports Massage, Facials and much more in our Cullercoats Practice, just 20 mins from Newcastle Upon Tyne City Centre when travelling by Metro, located between Whitley Bay and Tynemouth.
If you're looking for ultimate relaxation and a healthier you - you've come to the right place. The specialised massage therapists at Heaven Therapy in Tynemouth are committed to your comfort and satisfaction. Body Massage and Indian Head Massage has been found to relive and improve circulation, joint range-of-motion and flexibility.It can reduce many common ailments such as stress, sciatica muscle tightness, aches and pains, poor circulation - even anxiety and depression. Massage can also assist whiplash injuries or re-occurring problems and can also benefit you and your baby during pregnancy.
Massage therapy Treatments are tailored to each individual's needs following an initial consultation. Corporate and workplace treatments also available! Even if you are simply looking for some 'pampering' then look no further than Heaven Therapy Cullercoats. We can adapt our treatments to suit you. Male and female clients are welcome for all treatments!
Reflexology and Beauty Treatments also now available!
Gift vouchers also available to order online or in person
Please do not hesitate to contact us if you have any questions.
We have 5 therapists available during the week
Alanna Armstrong-McCarroll - Proprietor, works mainly at Naturally Heaven Therapy in Benton now. Alanna is qualified to VTCT level and has over 4 years experience in providing treatments. Alanna is a member of the Federation of Holistic Therapists and the Complimentary Therapies Association. Alanna provides massage, reflexology, facials and specialises in fertility, pregnancy and post natal massage.
Lindsey - Senior Associate Therapist & Team Leader- works Wednesday to Saturday every week providing a full range of holistic treatments including massage, sports massage, indian head massage, pregnancy massage, dermalogica facials
Gill Wales - Senior Associate therapist - works Monday and is qualified to VTCT level. Gill is a member of the Federation of Holistic Therapists and the Complimentary Therapies Association. Gill provides massage and reflexology and pregnancy massage and pregnancy reflexology
Karolina - Associate Therapist - Providing massage and beauty treatments.
Rachael - Beauty Therapist and Nail Tech - provides gel manicures, pedicures, gel nail extensions and nail art, lashes etc
Vicky - Associate Therapist - Provides massage and facials
We offer late evening appointments upto 8.00pm on Wednesday and Thursday
Sunday appointments available on request
Fertility Reflexology
Pregnancy Massage
Foot Reflexology
Hand Reflexology
Indian Head Massage
Massage Therapy
Swedish Massage
Deep Tissue Massage
Leg & Foot Massage
Post Natal Massage
Lash Lift
Gel Nails
Gel Nail Extensions
Full Body Massage £35
Back Massage £35 (60 Mins) £22 (30 Mins)
Back, Neck & Shoulder Massage £30
Foot Reflexology £35
Holistic Facial 60mins £30
Mini Facial 30mins £18
Leg & Foot Massage £25
Indian Head Massage 45 Mins £25
Pregnancy Massage 60 Mins £37
Pregnancy Reflexology 45mins £35
Indian Head Massage 45 mins £25
Sports Massage 30mins £25
Sports Massage 60mins £40
Bamboo Massage 60mins £35
For a full pricelist, visit heaventherapy.co.uk
Bookings and gift vouchers can be made on our website 24/7 at http://www.heaventherapy.co.uk or call us on 0191 3404794
If you have been diagnosed with or suspect you may have a pre-existing medical condition you should consult your GP for advice, diagnosis and treatment and always inform your health professional before starting any alternative or additional therapies, treatments or making any major changes in your diet or exercise programme.
|Home visits:
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Monday 12-7pm, Tuesday 12-7pm, Wed & Thur 12-8pm, Fri 10-6pm, Sat 10-5pm


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Cincinnati ComiCon: The Convention Cincy Deserves!
The cat's out of the bag! I've thrown in with some of Cincinnati's finest minds to help launch a brand new comic book convention in our area. If you're interested in helping us get it off the ground, please check out our Kickstarter link: http://goo.gl/d94LP
you can also check out our official website at CincyComiCon.com


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Is the clock quickly ticking on your bikini body reveal? You need to know about the Nike+ Kinect Training. The what? It's a custom training program for the Kinect for Xbox 360 that is basically like having a personal trainer in your living room. But for £29.99.
It creates a bespoke workout plan – whatever your goals – and the controller-free Kinect sensor lets personal trainers track your every move giving real-time feedback. There'll be no cheating then, intentional or not!
As sports innovators and pioneers of personal training, Nike know a thing or two about getting, and keeping, you on track. The fact that this uses trainers who work with some of the company's top athletes makes it so much more than a 'game'. With constant assessment it renders your fitness DVDs redundant. Sorry Davina.
But don't just take our word for it. Check out this video with US gymnast (and Olympic gold medallist) Shawn Johnson showing how she uses it with her running, pailtes, yoga and dancing. It's as easy as it looks.
We're taking a two-pronged approach to our toning this summer, coupling exercise with clever beauty booty. Meet the new St. Tropez Gradual Tan Plus Firming (£20) which is being hailed as the hardest working tan yet given that it firms, tones, moisturises and grants a natural glow.
We've also heard reports of it concealing stretch marks and evening skin tone with prolonged use. Who needs a gym and salon, eh?


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Acqua Vista Residential Towers
Information: 536,000 sqft // Owner: Watt Commercial Properties // Architect: RTKL Associates, Inc. // Construction Type: New
Location: San Diego, CA (View Map)
The community encompasses two 18-story residential towers, which offer a total of 389 luxury units and 425 parking stalls enclosed within the building envelope of 536,000 square feet. A unique tower top provides identity for the project on the San Diego skyline as well as terrace recesses and shade to the penthouse units.
- Mississippi ABC Merit Award


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The New York Iron Workers Joint Apprentice Training Facility Adds MagneGas2(R) to its Training Program as the Only Alternative Fuel
TAMPA, FL--(Marketwired - October 24, 2016) - MagneGas Corporation ("MagneGas" or the "Company") (NASDAQ: MNGA) a leading technology company that counts among its inventions a patented process that converts renewable and liquid waste into MagneGas2® fuel, announced today that the New York Iron Workers Joint Apprentice Training Facility has added MagneGas2® to its training program for new iron workers. The fuel will be used for training purposes for new welding and metal cutting apprentices that come through the Iron Workers program. The fuel will be sourced by MagneGas New York Distributor AWISCO Corporation.
MagneGas and AWISCO partnered in a marketing effort aimed at expanding the use of MagneGas2® in the New York and New Jersey markets. MagneGas personnel demonstrated the fuel's superior metal cutting benefits with assistance from the AWISCO sales team. The demonstrations and training occurred over a period of several days and resulted in many new customers including the Iron Workers Joint Apprentice Training Facility. This facility is the leading Iron Workers training facility in the Northeast, training new welders on all aspects of welding, metal cutting and related safety. MagneGas2® fuel will now be used in this training program as the preferred alternative to acetylene.
"We at MagneGas are very excited that the Iron Workers have selected MagneGas2® for their training program. There are many alternatives to acetylene on the market today for metal cutting. To our knowledge, however, MagneGas2® is the only fuel made from a renewable source. In addition, MagneGas2® has a faster cutting speed than acetylene which we believe renders it a more productive alternative for the Iron Workers. Our partnership with AWISCO is very exciting for us as New York and New Jersey can be some of the toughest markets in the country. Their support has been invaluable in gaining us acceptance in the region and we look forward to much more success in the future," stated Ermanno Santilli, CEO of MagneGas.
The MagneGas IR App is now available for free in Apple's App Store for the iPhone and iPad http://bit.ly/AfLYww and at Google Play http://bit.ly/Km2iyk for Android mobile devices.
To be added to the MagneGas investor email list, please email firstname.lastname@example.com with MNGA in the subject line.
About AWISCO
AWISCO is a leading supplier of industrial gas and welding supplies in the tri-state area of New York, Connecticut and New Jersey with an international expansion location in Florida. The Company is a full line supplier for the welding industry and has been in business for over 65 years.
About MagneGas Corporation
MagneGas® Corporation (MNGA) owns a patented process that converts various renewables and liquid wastes into MagneGas fuels. These fuels can be used as an alternative to natural gas or for metal cutting. The Company's testing has shown that its metal cutting fuel "MagneGas2®" is faster, cleaner and more productive than other alternatives on the market. It is also cost effective and safe to use with little changeover costs. The Company currently sells MagneGas2® into the metal working market as a replacement to acetylene.
The Company also sells equipment for the sterilization of bio-contaminated liquid waste for various industrial and agricultural markets. In addition, the Company is developing a variety of ancillary uses for MagneGas® fuels utilizing its high flame temperature for co-combustion of hydrocarbon fuels and other advanced applications. For more information on MagneGas®, please visit the Company's website at http://www.MagneGas.com.
The Company distributes MagneGas2® through Independent Distributors in the U.S and through its wholly owned distributor, ESSI (Equipment Sales and Services, Inc.). ESSI has four locations in Florida and distributes MagneGas2®, industrial gases and welding supplies. For more information on ESSI, please visit the company's website at http://www.weldingsupplytampa.com.
This press release contains forward-looking statements as defined within Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These statements relate to future events, including our ability to raise capital, or to our future financial performance, and involve known and unknown risks, uncertainties and other factors that may cause our actual results, levels of activity, performance, or achievements to be materially different from any future results, levels of activity, performance or achievements expressed or implied by these forward-looking statements. You should not place undue reliance on forward-looking statements since they involve known and unknown risks, uncertainties and other factors which are, in some cases, beyond our control and which could, and likely will, materially affect actual results, levels of activity, performance or achievements. Any forward-looking statement reflects our current views with respect to future events and is subject to these and other risks, uncertainties and assumptions relating to our operations, results of operations, growth strategy and liquidity. We assume no obligation to publicly update or revise these forward-looking statements for any reason, or to update the reasons actual results could differ materially from those anticipated in these forward-looking statements, even if new information becomes available in the future. The Company is currently using virgin vegetable oil to produce fuel while it configures its systems to properly process waste within local regulatory requirements.
For a discussion of these risks and uncertainties, please see our filings with the Securities and Exchange Commission. Our public filings with the SEC are available from commercial document retrieval services and at the website maintained by the SEC at http://www.sec.gov.
Investor Contact:
KCSA Strategic Communications
Philip Carlson
+1 212.896.1233


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'The Bachelor' fashion recap: In the land of K-Pop
See Gallery
Team Bachelor really outdid themselves on this episode. All out of ideas (we're assuming), the producers sent the gals to Seoul, South Korea, to experience foot baths filled with mini-fish and Korean pop music.
To be honest, we're not entirely sure what was going on in this episode. Maybe it was Sunday night's epic Grammys viewing session, or Nurse Nikki's incessant complaining, but we're just going to blame our laziness on the outrageous outfits the girls were, yet again, forced to wear. How can we be expected to pay attention to the show when we're distracted by metallic sneaker wedges, graphic crop tops, and sideways ponytails? Come on, Chris Harrison -- we know you can do better than that.
Click through the gallery above to see the K-Pop fashions in all their glory.


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CAROLINE and Jonathan Morgan know only too well the agony of having a stillborn baby.
And they hope a new report will persuade the Welsh Government to do more to raise awareness of the issue among expectant parents and medical professionals.
The couple, from Pennard Close, Newport, lost daughter Anabelle 32 weeks into Mrs Morgan's pregnancy in June 2010, their shock and grief compounded by there having been nothing to indicate beforehand that anything was wrong.
Sadly, the Morgans are far from alone in enduring such an ordeal. There are an average of four stillbirths a week in Wales, with the number severalfold higher UK-wide.
Yet while medical advances have improved premature baby survival rates, and more knowledge and awareness has reduced the incidence of cot death, the stillbirth rate has remained largely unchanged for more than 20 years.
"It's very difficult and something you never really come to terms with," said Mrs Morgan, 27, who said the first indication that something was wrong was when she did not feel her baby move for several hours before she and her husband went to hospital, where their worst fears were confirmed.
"There was no discussion about stillbirth when I was pregnant and I think you can be lured into a sense of false security, especially after the first few weeks with the risk of miscarriage," said Mrs Morgan.
"Something must be done to raise awareness, and to try to find out more about stillbirth and why it occurs."
The National Asembly for Wales' health and social services committee held a one-day inquiry into stillbirth, and it calls, in a report published today, for the Welsh Government to raise awareness of what is described as the nation's most common form of child mortality.
Committee chairman Mark Drakeford said more is known about cot death, child road accidents and childhood meningitis, and stillbirth needs to be addressed between health professionals and expectant parents "openly and explicitly".
"Its scale is so much greater than topics far more in the public mind," he said.
The committee calls the current rate of stillbirths unacceptable, with more needing to be done to understand underlying causes, with more than half classed as unexplained.
The report makes nine recommendations to the Welsh Government, with raising awareness of the risks and new research top of the agenda. A Welsh Government spokesman said: "The Welsh Government is working with the NHS to reduce the stillbirth rate, and as part of this we will consider the findings of the inquiry. The National Stillbirth Working Group is working as part of the Welsh Initiative for Stillbirth Reduction (WISR) to improve outcomes in pregnancy.
"Smoking during pregnancy and maternal obesity are avoidable risk factors, and these are being addressed via the Strategic Vision for Maternity Services in Wales."
Factfile – SANDS
SANDS, the Stillbirth and Neonatal Death Society, has campaigned for greater awareness of stillbirths for five years.
The charity, with more than 30 years' experience of supporting bereaved parents across the UK, welcomed the committee's report.
"We have long argued that the tragic and unexplained death of a baby near its due date is preventable and not unavoidable," said a spokesman.
"This report is wideranging and sensible, recognising there is no single golden bullet to bring down the unacceptably high number of stillbirths in Wales.
"It will, as the report outlines, require a strategy that includes increased public health awareness, better training for health professionals and more funding for research."
Women are travelling to get specialist advice
AROUND 300 women a year go from Gwent to Bristol to see a pregnancy specialist, a leading specialist said.
The report says the committee found evidence that the cost of seeking consultations outside Wales exceeds the cost of providing it in Wales, and calls for the Welsh Government to investigate.
Cardiff-based Dr Bryan Beattie, one of only two foetal medicine consultants in Wales, said Gwent patients tend to go to Bristol as services provided at the University Hospital of Wales, Cardiff, cannot cope.
"It's a very disjointed service there, because they might go to Bristol for some antenatal input into their care, but it might need to deliver at UHW," he said.
"One of the things we would like to pursue in the long term is to try to boost the foetal medicine service in Cardiff to look after South Wales."


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Les points out that high-tech gear doesn't seem to work as well in rugged survival situations:
I personally can't afford fancy high-tech survival gear.
I've also read suggestions about sewing foam into clothing to keep warm in extreme temperatures. It's very breathable and dries fast.
I saw a post on Pinterest for these, waterproof socks used by the military. Too expensive for my budget, but I thought I'd pass it on. (click here)


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The AP published an article on July 19, 2012 titled "Foreclosure Crisis Hits Older Americans Hard", which is further validated by another article published in Washington's Blog on August 12, 2012 titled "Bankster Fraud Has Driven 100 Million Into Poverty Killing Many".
The AP article states "More than 1.5 million older Americans have already lost their homes with millions more at risk as the national housing crisis takes its toll on those who are among the worst positioned to weather the storm, a new AARP report says."
A frighting and disturbing picture of so many of our fellow Americans. And even more disturbing is the imagery of our parents and grandparents suffering this fate, many without a support group to help them.
Then there is the Washington's Blog article (Oh My God), which states, "The World Bank notes that the financial crisis – you know, the one caused by financial fraud– has driven between 64 and 100 million people into destitution."
It goes on the state, "Some estimate the figure to be much higher. For example, one 2009 study estimated that 140 million people would be driven into povery in Asia alone. The global financial crisis has pushed the ranks of the hungry to a record 1 billion people….. The United Nations food officials said Friday in Rome."
And, "The global financial crisis sweeping through Wall Street and the European banking sector will touch the lives of the world's most vulnerable, pushing millions into deeper poverty and leading to the deaths of thousands of children, according to a new United Nations study".
I don't know about you guys, but these two articles flat out make me sick! This is not the type of world that I or anybody I know wants our parents, children, brothers and sisters to live in. And, it's totally unnecessary.
As I've said time and again, the banks can afford to work with their customers to help them stay in their homes. Their profits on the sale of the Notes they bought at deep discounts from other failed institutions, or their cash profits from the securitization leverage they received when they pooled the Notes after initially funding them, are "huge". They can easily afford to rework the terms of the Notes to "back load" the arrears and lower payments for a few years to allow folks to get back on their feet.
But, it seems like the banks would prefer to foreclose and in many areas just bulldoze the properties to the ground, rather than work with folks.
What I would like to know is how can the banks afford to take
multiple six figure losses on short payoff sales, but they can't afford to take no losses and work with folks to stay in their homes. Somebody explain the math to me please!
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Much recent discussion about education reform has focused on the topic of good teachers. A common form of this discussion argues that If only we could fire the bad teachers easily and hire enough new good teachers, then we would be well along the way to helping all of our students succeed in school. There is indeed a seductive plausibility to this argument. Who could reasonably be against the goal of providing all students with good teachers?
This focus on the importance of good teachers, however, is problematic because it tends to obscure an issue of more fundamental importance.
I find that this problem becomes clear when I think about my own teaching. I have helped many, many students over the course of 35 years of teaching, and I think many parents and professional colleagues would call me a good teacher. Nonetheless, I frankly admit that in addition to lots of good teaching, I have also perpetrated some bad teaching. I think it is safe to say, moreover, that my situation is hardly unique. Indeed, I suspect it is true that all people reputed to be good teachers have on some occasions done a bad job of teaching. How can we resolve this seeming paradox?
I think the answer lies in the fact that the most relevant measure here isn't the person per se but the person's performance. Another way to put the point to to say that a person is a good teacher when she is doing good teaching. That statement is completely free from paradox, unambiguously true in all cases. And what it suggest is that the fundamental thing that is relevant in this matter isn't the teacher but the teaching.
This certainly rings true when I think about the significant differences between the times I have done good teaching and those when I did bad teaching. The difference was that when I was doing good teaching, I was in command of two critical tools that allowed me to structure the experiences of my students in efficient, engaging, and productive ways, namely, a good curriculum and good classroom management.
Good curriculum shapes the activities of students in several important ways. It ensures that the concepts and information the students are exposed to are comprehensive and organized in a sensible sequence. It ensures that students perform relevant and interesting activities. It ensures that the teacher has critical guidance about how best to pace students through the materials and how to correct their errors productively. And finally, it ensures that the teacher is provided with a rich understanding of how people best learn the content covered and the challenges and potential confusions that new learners often experience.
Good classroom management (or, I guess, student management, in the case of one-on-one tutoring) complements the activities and interactions specified in a good curriculum by making sure that the teacher keeps all of the students engaged in significant activities for as much time during the lesson as possible.
In suggesting the central importance of good curriculum and classroom management skills, I am hardly denying that there are some personal characteristics shared by good teachers, including robust knowledge of the content they are teaching, enthusiasm for their subject, genuine concern for their students, and dedication to work hard to master their craft. But it is important to recognize that these personal attributes, while necessary for good teaching, are not sufficient. I am quite confident that when I have done bad teaching, I still retained these personal characteristics. What I was missing was the right emphasis, the right sequence, the right kinds of activities.
The point, I think, is that if we want to improve education, the most important thing to focus on is what goes on in the classroom, specifically examining how students are spending their time and what exactly they are doing. Focusing on "good teachers" directs our attention at the wrong level, making it easy to blame bad teaching on the laziness or inherent limitations of certain individuals without really providing insight into how to correct the problem. The focus on "good teaching," in contrast, helps us examine precisely on the level where we will find the difference between success and failure, and gives us a much better grasp of what we have to do to prevent our children from enduring wasteful and unproductive lessons.
For this reason I am not a big fan of Teach for America and other similar programs that seek to improve schools by focusing on recruiting teachers from a certain group of people, namely, successful students at elite colleges and university, to be teachers. As many of the those who have been teachers in these programs can attest, the kinds of so-called "boot camps" that the recruits attend in order to prepare them to be teachers are much too short to provide them with sufficient classroom management skills and command of a good curriculum. As a result, the benefits of injecting these teachers into the schools, in spite of their intelligence, energy, and enthusiasm, are modest at best and almost always quite transitory. An additional problem with this model of education reform is that there are not enough magna cum laude students out their who want to go into teaching to fill all off the teaching positions we need.
Fortunately, however, there is no need that there should be. People with a wide range of academic backgrounds and abilities can be effective teachers provided that we help them acquire the experience and classroom management skills to implement a good curriculum well. This fact is something that homeschooling families typically both understand on a gut level and also demonstrate quite forcefully. Sure there are some moms and dads with Ph.D.'s in astrophysics who are homeschooling their children well, but there are also plenty of parents without college degrees who do an excellent job as well. And what is it that these successful homeschooling families all do? They spend a lot of time finding good curriculum materials and learning how to use them!
So, yes, let's strive to put good teachers in every classroom. Yes, these good teachers must be knowledgeable, enthusiastic, and dedicated professionals, But let's not forget that in addition to having teachers with these essential personal attributes, we must also strive to make sure we have schools set up to give all of their teachers the tools of classroom management skills and good curriculum. Only then can we be sure that our children's school days will be filled with good teaching.


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One Man Is On A Mission To End The Yulin Dog Meat Festival
December 14, 2016
Meet Olaf, Elsa and Pumpkin, three dogs rescued recently from the Yulin Dog Meat Festival.
"It is there, the blood that we leave. The tears we push that pierce into our feet. And the way we forget, the reason we began doing this," Marc Ching, the founder of The Animal Hope & Wellness Foundation writes.
The dogs are hoping to find a forever home this Christmas. They're currently three of many dogs at the Sherman Oaks, CA, shelter for abused animals.
Though Ching's foundation rescues strays and neglected animals, his new focus is rescuing dogs from the Asian Dog Meat Trade.
Marc Ching
In June, Ching went to the Yulin festival in China and temporarily shut down 6 slaughter houses. He rescued over 1,000 dogs – 500 of which are now in his safe houses being cared for.
"Bearing witness, it is the single most important piece in the movement. The reason why we stand, and speak out against what we cannot understand.
If no one sees it, no one will ever believe it."
Visit The Animal Hope & Wellness Foundation to make a donation.


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Robin Senseney
Creator of Wilder Trade, Robin's head is a constant hub for interesting ideas. She posts them here to reflect on them for herself, and test the waters to see if they're just crazy enough to work. Here's an interview I had with her last week. … Continue readingRobin Senseney


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Content count3,119
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About GlowingTrickPony
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- Birthday 12/27/1953
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Marysville ca
just my horse&my Ratties
Stall Beating?
GlowingTrickPony replied to TBeachBuMm's topic in TrainingI think it means tack'd up and tied up for a couple of hours! My trainer does this too. supose to teach Patients
Going To Look At A Horse
GlowingTrickPony replied to lov4horses's topic in General Horse Talkpersonally...I think are you sure you want this horse ? something just doesn't sound right about the situation w/ the horse. as It can't be that well train'd,are you going to plan to finish this horse your self? is the cheep money the reason here? This sounds like when I went and pick'd up King, I knew I'd find him a better home than where he was and offered the cash, and had the trailer so he went home,w/ me and I got him all fixed up ridden and sold in a month. If that's the case w/ this one. I'd say go for it take the trailer and the cash! and hope for the best! I'd have a hard time coming home with an empty trailer [surrender] If I thought I could do better by the horse than its current condition. BUT! there are a LOT of "ready to go horses out there too" so don't rush!! you might have a mouth to feed for a while that she can't ride either...confusing ha? [bang Head]
Ahhh! I Stepped On My Phone And Cracked The Screen...
GlowingTrickPony replied to Sakura18's topic in General Chit-Chatwell its better than it slipping out of you pocket and have'n you HORSE! step on it like jackie did my last one! that was my Sansung Solstice! love'd that phone!!(glass is not covered in the ins!! and yes Doom'd But I had an up grade so I got my Iphone and this one I have a OTTERBOX!! get ya one for the next phone! the whole thing is encased in plactic &rubber,and I've already drop-kicked it and it still perfect!! and you don't get the whole "drop it and the batterey-back fly's off!! well worth the extra cash! http://www.otterbox.com/iphone-cases/iphon...3gs-impact-case
Woohoo Its Official!
GlowingTrickPony replied to Norcalracer88's topic in General Horse TalkHe's nice! But I hope your going to get his feet(angles in shape) before you do any serious work right? good luck w/ him I hope he is everything you wanted!!
New Guy, No Papers And Some Questions, 1st Owned Gaited Horse
GlowingTrickPony replied to tbs4life2000's topic in Gaited Horseswell I'll add that they ARE FOOD driven!! [ROTFL] King love'd ANY food even old sage-brush! I'm going to miss that sweet (only a mother could love BIG head)but SO BRAVE! I wish I had more of them cause everybody wanted to buy him and I got the perfect Mountain home for him to train KIDs to ride and Pony the youngsters to be like him BOMB-Proof!what a guy!
Goes Lame Every 4-6 Weeks - Updated 7/31
GlowingTrickPony replied to Desert Lane Training's topic in Horse HoofWOW! This is the way Jackie was too (till I fired my farrier) he insisted she could go 7-8 weeks well she CAN'T! its more like 4-5 PERIOD! I agree w/ Felda for sure! Jackie would do the same thing till I fugured out as soon as those angles shift its time to trim (and way before this) and you can't go by the calendar either you got to watch you horse I took lots of Pix for weeks till I fugured out when she started tripping and new It was time! in the summer she grow like a weed! 1/2 in 4 weeks is common for her, and My new guy works with us and understand this so comes when I say, and where not Nevic. either just got to watch our angles!
Sophie The Rescue Horse
GlowingTrickPony replied to D. Flanagan's topic in General Chit-Chatyou did great!!I Love her color!! very unique! hope you documented everything as there all always! lots of others out there wondering how to have the great results you did! and I agree w/ the others ground work this winter!good plan!!
Preventing Girth Galls For The Green Thin Skinned
GlowingTrickPony replied to Trinity's topic in General Horse TalkI have the same Problem w jackie and went to the Felt from the Neo(which did that horribly) trainer thought it was just cause it was dirty but after cleaning it and putting MTG on it and Change'n to the felt they just went away and never came back!(and they were big too) She also has very sensitive skin too and is allergic to all fly's&fly sprays on her body! and looks like fly mask too! So I understand! I didn't get a very expensive one either its just the Pro-Choice.(@ 34$?) Its been so good I haven't even had to wash it yet (I'm bad, I should) but no sours, and it seems to stay put better too! as she is butt high and everything slides forward too.
King Got His Perfect Forever Home!
GlowingTrickPony replied to GlowingTrickPony's topic in Gaited Horsesyep! there just isn't enough good pony's out there(WELL AT LEAST HERE) I have had so many call!!! I told my trainer were in the wrong biz!! especially Pony's that are not really Ponys like King he was TWH&Paint just very short!! and that is what folks want! cause you get way from "Pony Brain!" He was so good!!! and he got such a great home in the mountains!!Of Northern Cal. trails everywhere right out the door! so pretty I wanted to stay! And he'll have Many Jobs too! mom&grandma is going to teach all the kids to ride and she'll pony her other younger horses that can learn a LOT from him on how to be a bomb-proof trail horse that LOVES! water! It's such a happy ending I could cry!! [Me Cry] will miss that little guy! [Angel]
King Got His Perfect Forever Home!
GlowingTrickPony posted a topic in Gaited Horsesok!...King is sold to this great little family of 4 kids and mom and grandma ride, and he was amazing! You know its a match when they show up with a Gaited "Imus saddle$$$" and it fits him and all the kids ride and mom and grandma,(they have other gaited horses too) and the weird thing is! ok... that wasn't just it!!! My Name is Linda I bought that pony from a lady named Linda in the Town of RioLinda and sold it to a little girl named Lindy KING!!that's right there last name is KING!!! [shocked] !I deliver him tomorrow morning!! and those kids where the best little riders I had ever seen for live under 7 all 4 and King took care of them and was amazing even for him! I was so happy!! what a happy ending!!! [Angel] and King is already a AA pony and this little girl can ride!!!and wants to do barrels!!He took so good care of her she rode in grandma saddle WTL and no stirrups!!Huge saddle only the 1st time she has ever loped! and he was fast too!! and she stuck right with him,I was like WOW!!she is going to be so good!!! anyway...guess I have to take his siggy down... but its a GOOD thing!!!
Small Ranch.....
GlowingTrickPony replied to Jayme_Alaska's topic in General Horse Talkah...to be young again [Not Worthy] and full of dreams! listen to you elders kids! life as a grown-up is HARD! WORK! And good luck to you!! and I'll 2nd what all the others have had to say! Ben there done that and I agree its WAY hard! even just doing some of what you aspire to do! but keep dreaming!! [Huggy]
Neck Sweat?
GlowingTrickPony replied to SlowLope's topic in Horse ShowingI like just use'n a full slinky!the Thick ones! they tend to work really nice for the winter,and just keep things nice and warm http://www.sstack.com/slickers/ultraflex-t...season-slicker/ I have both the 8 &10 The ten is great for or weather now,the 8 for the rest of the time and sturdy too!! ,and the breath too, not like the full neck.Neos do.(not great for winter if you have cold weather and can't wash the neck everyday) Jacki's stay's really nice last winter into spring. that's such a pretty baby!! Polka-Dot socks and all!!
yep! helps to have a screen'd in porch [surrender]
Extremely Frustrated
GlowingTrickPony replied to Crazy4Paints's topic in TrainingI think that is what I'd do!!!unless you want to be looking over your shoulder the rest of the ownership! cause you know this horse has go your number now!
they are the BEST! Pets? forget the others!! and PLEASE look to the rescues 1st! as there are a lot of good birds out there that need new homes and they do live to be 35! which make them end up on a LOT of rescues! and if you can't find one that WORKS for you a hand fed(from a good breeder) for sure! I did that and he was wonderful I took him everywhere w me and his wings I kept clip'd ! for sure! ceiling fans! [Crazy] I lost him one day off my 2nd floor balcony as I didn't know he was going down to see me and got caught between a bush and the nextdoor neighbors wall!broke my heart!! so even w/ clipt'd wings you must watch them! but they really bond w you ,go get ya one!!! [Yay]


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Inherency of Provisional Application to Support Later Non-Provisional Application
Posted Tuesday, September 27, 2016 by Jim Ruttler
The Federal Circuit Court of Appeals decided a case this week that enhances the value of provisional patent applications.
Essentially, in Yeda Research v. Abbott, the Court held that a provisional application doesn't have to disclose all the details so long as those details are inherent based on a later filed non-provisional which includes the details. This amounts to allowing general disclosures in provisional applications to have their gaps filled by later filed non-provisional applications having more details. The significance of this is that the provisional application retains its priority date despite the fact that it doesn't include all of the details that are added later via a non-provisional date.
The case here involved a provisional application by Abbott that didn't include the specific amino acid sequence of a protein. Right after filing this application, a reference surfaced with that amino acid sequence. Then, following this intervening art, Abbott filed a non-provisional with the amino acid sequence specifically spelled out. The provisional application was therefore important because otherwise Abbott's patent application would have been filed after the intervening art. The Court allowed the provisional application to serve as priority despite the fact that there was no actual disclosure of the amino acid sequence under the theory of inherent disclosure.
Based on this decision, filing provisional applications - even if all the detail isn't yet available - is good practice because there is a chance that that provisional application can help you overcome art that may surface while prototyping and engineering.


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The journey of a heartbreak, how to get over it, and why it's good for you!
Heartbreaks are not a pleasant feeling and painful experience. A person can make wrong decisions in his or her lives and it's unbearable.
It feels like the weight of the world is weighing down on you. You try to remove it, but you can't! The suffering seems endless and you think the only way to ease the pain is to get back the thing that caused the heartbreak or get back at them. Sometimes, ending your life is another option.
Maybe some of you are going through heartbreaks as you read this. It feels like the world is against you and hope is out of reach.
But, what if I told you that heartbreaks are the best gifts? Why something so painful can become the best gift? Does that give you hope? I will show you what I mean! Here is my story! The journey of my heartbreak and how you can overcome it.
The First and a good one^^
Let's go way back in early 2015. I met this girl at the International Friendship Club (IFC), which is a school organization I used to take part in.
NOTE: International Friendship Club aka IFC. A school organization that helps international students that come to Guam to study English. IFC helps with campus tours, tutoring sessions, and build connections that bridge the gap between local and international students.
Let's call her by the name RA. She was an exchange student from South Korea. She stayed in Guam for a semester. However, our first meeting was introductions, and it was brief. I met her again the following week, and she taught me some Korean. From there, we became good friends. We spent time in the clubroom for hours and playing games with our friends.
As time went by, I had feelings for RA, which I didn't expect. I was excited to see her every day. It always made me happy to see her. But, I soon found out she liked someone else. It hurt me and I didn't know how to cope with my emotions. I felt depressed, and I held my negative feelings inside.
NOTE: Don't hold your feelings in because it can get worse if a similar issue arises. As for my case, it got worse. It will only tear you apart if you don't transmute those feelings positively.
RA is a good person at heart, so the heartache eased a little.
Even when she left, the pain remains, and I buried it without facing it. However, I thought the pain went away, but it was still there until it finds a way out.
NOTE: When you get a heartbreak, it's better to feel your emotions and give yourself time to think and heal. Because If you don't and you jump to another person, the pain remains and it can have a negative effect. The hole in your heart will grow.
The Second Part 1: Is it the right time?
It was almost the end of 2015 and the pain from the RA situation was still there, but not as much as before. I didn't heal properly yet. At least, that was what I wanted to believe.
I started liking another girl. Let's call her SA. SA was also a member of IFC and I would see her almost daily ever since RA left. But, I barely spoke to her. Maybe a little. As time goes by, I liked SA for a few reasons.
I obsessed with this girl that made me look clingy. Ew right? Some people even asked me why I liked her and my reasons were unsure. I brushed off their questions and thought it was nothing to worry about.
I had a hard time talking with this girl because I didn't want to appear creepy. It felt like labor because I wanted her validated me. Eventually, I confessed my feelings, but it felt forced. I constantly kept chasing her. During those times, I didn't know how she felt for me, but I knew I liked her. I always believed, I had to pursue her, so she would like me. However, that was a bad move. Anyway, we became closer as the months went by and it was great!
The Second Part 2: The Attempt
One day, I wanted to help her out with her problems, but it didn't turn out well. I probably forced it out of her, which was a wrong move, despite having good intentions. I wanted her to release those trapped emotions (whatever it was!), but my approach was not good.
NOTE: If you guys have a girl you like or a girlfriend, don't be her therapist! Don't fix her problems for her! Allow her to feel those emotions because women are emotional beings. All men have to do is LISTEN! Plus, don't force it out of her. Let her be the one to come.
It went sour for SA and I. Did I regret it? Yes, I did. I kept forcing myself to see her, and this went on for weeks. I became lesser than a human being. She said she wanted space, but I didn't want space, which made things worse. Because I didn't understand the concept of time and space, it was always all or nothing. I put my eggs in one basket and just give it you're all. It's a good mindset, but not every time.
NOTE: When a person says they need time and space, you must give them that. Walk away and never look back. It's their choice to reach out and if they don't, then move on.
The Second Part 3: Begging and Pleading
Eventually, I gave her space and in two months she reached out to me. Then, we kicked off where we left for one month. It was a good month until the same issue resurfaced again. So, SA and I's relationship become sour again. She never gave me the time of day to explain. I became confused, and I blamed myself.
I kept coming back to see her, and I hoped she would give me the chance to explain myself. My best friend was telling me to stop and he would always tell me, "Dude! You deserve better than this! Look what's happening to you!" He knows a lot about social dynamics, but it took time for him to get me to snap out. I was always in denial, so I kept hoping.
NOTE: Self-respect is an important value. If a person isn't treating you right, send them love and have the courage to walk away completely from them. At least you still have your dignity.
The Second Part 4: Having enough
This went on for 6 months of hoping and pleading. Hoping that one day we can reconcile and pleading that things will be the same again.
NOTE: Hoping is NOT a bad thing. In fact, it's good to hope. But, if you are desperate for it, then you will only disappoint yourself. You should become attached and detached at the same time.
Then, I saw SA and another friend of hers. Something triggered inside me. Flashbacks hit me suddenly of a loved one. I couldn't hold it anymore. I shouted so loud that other people heard me :P. All that anger was building up, so I blew up.
It came to a boiling point. A good friend of mine was there for me and I appreciate it. Later that night, I stared at myself in the mirror and it was a long silent stare. I can't remember how long I was looking at myself.
I asked God and the universe, "Why is this happening? Please, I want an answer." There was nothing, but silence. Then, it hit me! "Perhaps, this is it!," I said to myself. "Ralph, you might never reconcile with SA. Are you okay with that?" In a heartbeat, I mumbled, "Yes…." My heart settled, and it was the last straw. Enough is enough. The beginning of letting go. From there on, I never looked back.
Why did it hurt more on the 2nd than the 1st?
Before I get to the healing process, I would like to tell you why it was more painful with SA than it did with RA. Why did I end up telling a story, instead of getting to the point? Well, there is a connection between RA's and SA's stories.
In the RA story, I buried the pain without giving myself time for my thoughts and emotions. The result made me take unnecessary actions later on. It became a snowball effect with SA.
That's why it's important to allow yourself to have time and space after a heartbreak. Many people jump to another person after a heartbreak or a breakup and that's not a good idea. It made me obsessed with SA because of the fear of lack, the fear of not having validation for myself and losing her. I didn't want to feel what happened to RA situation again, so I was chasing after SA. It felt like I needed SA to fill up what was empty in me. Unless you deal with it now, the root problem will always be there.
The Healing & Your Journey
Having Desperation for any answers and self-blame. Physically, you always feel tired and it feels like it is hard to breathe. Sometimes, you start binge eating and you become unhealthy. Emotionally, it feels like someone grabbed your heart directly and kept pulling your heart out. Plus, they have fishhooks as fingernails. You cry a lot! Mentally: you feel lesser as a human. You blame yourself for the situation. Always giving yourself negative talk, "What's wrong with me?" even though there is nothing wrong with you.
Desperately holding on and Begging for the chance to happen. Holding on to that person will give you that hope. Hoping, they give you a chance, then things would change.
Hoping and denying to yourself. The constant denial of the situation and not accept it for what it is. Hoping that things will get better.
Anger and frustration build up. You blame them for treating you badly. You become clouded by negative emotions, which does not help your case. Something can trigger you at any moment. And when the moment happens, your logic is out the window. You still have sanity, but you are on a brink of falling. It's a calm before a storm for you.
Then, something triggers you. You looked like a fool and you realize that enough is enough. You want to get out. Sometimes, it's frustrating because you want this pain to go away, but it's tearing you apart.
- In my case, the moment I blew up and shouted was the time I had enough. It was time for me to let go of SA. It was frustrating because I wished the pain healed already. But I knew that this needs time.
- Holding on won't help you. Let go of everything little by little. I accepted it for what it is. There was no reason hoping or a future with SA. I walked away, and that's better than holding on to fire. However, It's easier said than doing it.
Acceptance. You are getting past the anger and focus more on accepting the issue. You realize that things are not the same again. You take a while to transition from anger to acceptance, but that's okay. You are doing it. You need to accept anger in this process, so you can release all the tension. If you keep the anger inside you, then you are only destroying yourself. In time, you accept it.
- I always felt sad, and I was expecting something would change. I tried everything to please this person but only made myself look foolish. I was in denial. The more I denied my circumstance, the more it drove me insane.
- Anyway, I accepted my situation when I blew up in front of SA and the others. I accepted that it's okay if I'm not able to speak or reconcile with SA again. It was a realization that came. A realization will come naturally to you. So, don't force yourself, just allow it to flow to you. Sometimes people will tell you to accept the situation, but you feel you aren't ready. You want none stones left unturned. This is the part when you take your time to accept.
- Once I accepted reality, I could forgive myself. It gave me clarity on the situation and how I was feeling. It was easier to let go. If I didn't accept it, then I would keep going down the rabbit hole. Not accepting the situation becomes bitterness, and that's the last thing you want.
Grieving. After accepting the loss, you can fully feel your emotions independently. At least, that's how I did it. They say you need to feel it to heal it. By grieving, it helps process all the memories and the emotions that came with it. You don't want to escape them, but embrace the past for the present to flourish.
- The first thing I did, I walked away from SA and anything associated with her. Although, there was a period in time I didn't want to see her at all! I would completely push her off my mind and try to forget SA, but that was not a good idea. Because it sets me up for a huge rebound. A huge failure. I felt a fit of slight anger and bitterness with her again.
- Good thing, I had people who cared for me. They were constantly there when I was feeling depressed. There are moments you need people to talk with to help ease the pain. Think of it as training wheels, until you can handle things on your own, then you can deal with the process alone.
- If I didn't have my friends and family, I spoke with my dog or with myself. Speaking to yourself is good. It helps build self-love. Many people think it's crazy to talk to oneself, but that's not true. For me, it helped me validate and bring value to myself. I allowed myself time to think. Sometimes, we spend time with people and we forget who we are because we rely on or get influenced by others. Allow yourself some alone time.
- I also realized who my real friends were during hard times. Many people are only there for you during the happy times and not during sad times.
- I calmed myself through meditation. I recognized that if I shove SA away from my mind, then I am not fully accepting the situation again. So, I embraced the memories and the emotions with it. Never run away from it! If you run from your problems, then it will always come back worse or delay the process. Remember, what you face disappears.
- Some friends told me to go do jogging because it helps with the grieving process. Exercising helps ease your heartache. It releases endorphins, which promotes positive feelings. However, I chose to just sit with my emotions and tried to understand why I was feeling this way. Feel it for it to heal.
Changing and discovering new habits. The grieving process took a while! You allowed yourself to feel the pain and sadness. You have found different ways to help yourself. As you searched for answers, you discovered talents or interests you never thought you possessed. Initially, you only do new habits to help release the pain. With these discoveries, you try these new interests and see what else you can do with it. As time goes by doing your new habits, you realize it not only helps release the sadness from your heartbreak, but you discover more about yourself.
- The grieving took time for me and was annoying. Sometimes, sitting with emotions is not enough, and I didn't want to run from it. But, I wanted to explore things. My best friend told me to find an outlet to help me release from time to time.
- I read about life coaching and I was researching about motivational mentors and quotes about hard times, lessons in the pain, etc. I wanted to ease my situation, so studying motivational speaking helped me.
- I enjoyed studying about these great mentors and their works. Life coaching interested me, so I wanted to focus on researching and absorbing it. As I was doing this, I had SA in mind from time to time, but it was slowly easing. I didn't feel as bitter. In fact, I felt happy.
- So, find your own outlet (as my friend would call it). You could spend time with friends, making something, etc.
A shift in your thoughts and approaches. Believe me, the way you think and approach will change. During your last phases of the grieving process, your belief system shifts. You become more open-minded and having a positive outlook on life. You should apply the new skills or hobbies you gained to help others. You gain more sympathy and empathy with others. You know yourself! And when you know yourself, it helps you to understand others. You become a different person. Then, you realize something far greater…
- I was still healing and my heart was still stinging, but I saw the situation positively. I gave myself time to think and immerse through meditations and new habits. My new habits about researching for motivational speakers and building myself through their wisdom helped me heal. I was feeling genuinely happy again. It's been a while since I felt this feeling.
- You'll feel empowered! More fire will burn in your heart. Sometimes it's hard to explain, but I tell you it feels fantastic when you persevere. My thoughts were positive and my approach was in a place of conviction. You love to improve yourself and you become secure with yourself. So keep going!
- When you love improving yourself, then that's self-love. You felt worthy of yourself and you become mentally tough too. I helped people who are going through issues in their life and I became surprised with myself. I didn't expect to make them feel better by guiding them. I focused on dealing with myself that it was time for me to help others. It works like magic! I guess, the quote "Know thyself" hits a home run.
- You will take inspired action when you know what you want.
Peace. This is the pinnacle! If you have reached this far, then I commend you. When you reach this point, you become Zen-like. You see life differently before your heartbreak. Now, you realize that the battle is not eternal, but internally. That every situation put in front of you regardless if it's positive or negative, has learning lessons. There are opportunities to prove yourself. You realize that the cause of your heartbreak was probably the greatest gift that God; the universe has given you. In the beginning, you cried with despair. But now, it's tears of joy. You've crossed the mountain.
- As I kept helping people, I didn't realize how I felt at peace. When I thought about my heartbreak with RA and SA, I smile every time. Honestly, if those moments, especially with SA didn't happen, then I wouldn't be able to gain this much wisdom. I would still be the same old Ralph that didn't understand himself. I wouldn't be able to help others. I cried knowing that I crossed the mountain without many setbacks. It's an amazing feeling.
- When you are at peace with yourself and the issues that flood your mind disappears, you want to help others that are going through the same thing as you did. I have helped many people who are going through stress in their lives. Even the international students that came to Guam, I feel privileged to help them. When you help others, it makes you a better person because you understand other's needs.
It's a gift!!
I have to admit, before going through the heartbreak, I hated myself. I always searched for things that fill my heart. I thought you need to get the things that would make you happy. I searched happiness externally and when I would get it, it always made me feel sad. It wasn't enough.
But, after going through the heartbreaks, I've learned that outside things can only make you happy at a certain level. There is a certain limit to it. And when we reach that limit, we look for things bigger than that. But, if we can't find it, it's replaced with sadness and disappointment.
That's why heartbreaks are gifts because of the journey you can discover for yourself. You become stripped of what you thought was important to you, which leaves you with nothing. When you're with nothing, the only thing is to blame yourself. Then, you turn to other things and look for them, but nothing. You're left with loneliness and your thoughts. Until one day, you have no choice but your own thoughts. Then, you realize that there are great things about you. Now, you've gained something great — self-love.
Thank you, everyone! Please leave a comment and we would love to help you out.


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Circulating Air
Matthew Townend
From their first conversation the film set out to highlight reaction to unspecified places, as jump off points to something, offering a culture of play in " Ballardian" environments where past planning has lost relevance. Places that induce reaction to the architecture of existence.
- Year
- 2015
- Type of film
- Shorts
- Running Time
- 20 mins
- Format
- Director
- Matthew Townend, Neil Ferguson
- Executive Producer
- 1968 Film Group
- Editor
- Matthew Townend
- Director of Photography
- Matthew Townend
- Sound
- Matthew Townend
- Principal Cast
- Neil Ferguson
Please let us know if we need to make any amendments to this Film entry mailing us directly at
Last updated 4th January 2016


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Fort McMurray our home is open to you
Darryl Zubot
Our home is open to anyone in need during this crisis in Fort McMurray. We can take in a family and pets, as well as spots for RV's at our acreage. Please contact us if you need assistance. Our acreage is located just east of Edmonton.


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Last Updated on
A little over two years ago, an automated mutual fund & financial goal tracker was released. It was made with extensive beta testing by readers and is reasonably popular despite the availability of user-friendly online trackers.
The tracker sheet is a monster and can be quite daunting for a new user to navigate. So here is a list of features and 'how-to-use' guide.
SIP and Lumpsum investments
These can be made from the inputs and Input for Lumpsum investments sheets respectively. The screenshot of the inputs shee is shown above.
The 1st transaction date refers to the first payment made when the SIP is registered.The date of SIP refers to second transaction which is made a month later. This is the SIP date and every transaction made after the first is done on this date. For example, a SIP could be registered on 25th Jan with SIP date of 6th. So from 6th Feb. the SIP would start. The first transaction would be made on 25th Jan.
Transaction Summary Sheet
When the SIP is recorded, an entry in the summary sheet is made as above. From here, the NAV can be updated daily, the CAGR (rather the XIRR) can be calculated. Individual fund transactions can be updated, records can be deleted and SIP stop dates added.
Goal Tracking sheet allows you to tag a financial goal to each instrument. If 4 funds are tagged to the same goal, the net portfolio return is calculated. I use this to review my mutual fund portfolio.
Compare fund performance In this sheet you can compare your holdings with the performance of an index or any other fund for the same transaction dates.
Plot Fund and Corpus Evolution Here the growth of each fund holding can be visually represented. The corpus growth can also be plotted similarly. The data points for this is aggregated when the NAV is updated in the summary sheet.
Consolidate fund holdings sheet allows to you calculated the net return of two or more funds. For example, the net return from a fund which has both regular and direct holdings.
Capital gains calculator sheet allows to find out how much you can withdraw without exit load and the tax implication of the withdrawal. This is an extension of the capital gains calculator.
Add new Fund (AMFI) record. If you dont see a fund you want in the drop down sheet or if it is a new fund, you can add the AMFI code with this sheet.
Goal Analysis. This is a set of goal planning calculators which is updated with the current corpus value (mutual funds alone). This allows easy tracking of the goal in terms of investment amount required. This is how I track my path to financial freedom.
Fund Transaction Record Each time a new fund is added to the tracker, a new transaction record like the one shown below is created.
Once you are comfortable with the sheet, you can simply add transactions here itself at the end and update the value and return at the summary sheet.
Interested users can also used the move or copy feature in Excel to move the PPF tracker into this sheet.
Give this a go and let me know what you think.
Latest Version
Download the automated mutual fund and financial goal tracker July 2019 (minor bug removed)
Download the automated mutual fund and financial goal tracker July 2018
Download the automated mutual fund and financial goal tracker June 2018
Download the automated mutual fund and financial tracker Dec 19th, 2017 Changed AMFI daily NAV update url, thanks to Anish Mohan. Existing users MUST follow instructions here for getting NAV updates.
Download the automated mutual fund and financial tracker OCt 10th 2017 Changed the way dividends are factored in XIRR calculation.
Download the automated mutual fund and financial tracker Aug 15th 2017 Thanks to Raghu Gopalan for spotting a bug.
Download the automated mutual fund and financial tracker (Apr. 10 2016)
About the Author M. Pattabiraman(PhD) is the author and owner of freefincal.com. He is an associate professor at the Indian Institute of Technology, Madras since Aug 2006. Follow @freefincal "Pattu" as he is popularly known, has co-authored two print-books, You can be rich too with goal based investing (CNBC TV18) and Gamechanger and seven other free e-books on various topics of money management. He is a patron and co-founder of "Fee-only India" an organisation to promote unbiased, commission-free investment advice. Pattu publishes unbiased, promotion-free research, analysis and holistic money management advice. Freefincal serves more than one million readers a year (2.5 million page views) with numbers based analysis on topical issues and has more than a 100 free calculators on different aspects of insurance and investment analysis. He conducts free money management sessions for corporates and associations(see details below). Previous engagements include World Bank, RBI, BHEL, Asian Paints, TamilNadu Investors Association etc. Contact information: freefincal {at} Gmail {dot} com (sponsored posts or paid collaborations will not be entertained)
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Content PolicyFreefincal has original unbiased, conflict-of-interest-free, topical reports, reviews, commentary and analysis on all aspects of personal finance like mutual funds, stocks, insurance etc. All guest authors and contributors to the site also do not have any conflict of interest. If you find the content useful, please consider supporting us by (1) sharing our articles and (2) disabling ad-blockers for our site if you are using one. No promotional content. We do not accept sponsored posts and link exchange requests from content writers and agencies. This is our privacy policy Our website is non-profit in nature. The revenue from the advertisement will only be used for hosting charges, domain registration charges, specific plugins necessary for traffic growth and analytics services for search engine optimisation.
Do check out my books
You Can Be Rich Too with Goal-Based InvestingMy first book is meant to help you ask the right questions, seek the right answers and since it comes with nine online calculators, you can also create custom solutions for your lifestyle! Get it now. It is also available in Kindle format.
Gamechanger: Forget Startups, Join Corporate & Still Live the Rich Life You WantMy second book is meant for young earners to get their basics right from day one! It will also help you travel to exotic places at low cost! Get it or gift it to a young earner
The ultimate guide to travel by Pranav SuryaThis is a deep dive analysis into vacation planning, finding cheap flights, budget accommodation, what to do when travelling, how travelling slowly is better financially and psychologically with links to the web pages and hand-holding at every step. Get the pdf for ₹199 (instant download)
Free Apps for your Android PhoneAll calculators from our book, "You can be Rich Too" are now available on Google Play!
Install Financial Freedom App! (Google Play Store)
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Find out if you have enough to say "FU" to your employer (Google Play Store)


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Firefox Sync/Accounts Server
nebulon last edited by
saglagla last edited by
Oh yeah, please It's a perfect way to keep is personnal data on your personnal server !
M-arcus last edited by
Awesome Idea!
nebulon last edited by
From my perspective the main issue is the way to use the custom sync server on a firefox instance, which so far still involves setting urls in about:config which is very cumbersome.
girish last edited by
This was asked on reddit recently - https://www.reddit.com/r/selfhosted/comments/896uex/open_question_how_can_mozilla_improve_their/ . I think the auth is still tried to mozilla servers but I am not sure.


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PCO | To ensure the integrity of organic products and serve our farming community. A 501(c)(3) Non-Profit Agency
PCO offers assistance and educational resources to farmers interested in transitioning to organic certification through the Transition Membership Program. The cost of the Transition Membership is $200/year for each year of your transition. The final year of transition, (the year you are eligible for certification), your Transition Membership fee will waive the application processing fee.
Transition Requirements
The length of the organic transition period varies depending on prior land and livestock management. The National Organic Program Standards are the authority for certifying organic farms in the US.
Any field or farm parcel from which harvested crops are intended to be sold, labeled, or represented as "organic," must have been managed organically in accordance with the provisions of the regulations.
Land must have had no prohibited substances, as listed in the regulations, applied to it for a period of 3 years immediately preceding harvest of the crop; and have distinct, defined boundaries and buffer zones such as runoff diversions to prevent the unintended application of a prohibited substance to the crop or contact with a prohibited substance applied to adjoining land that is not under organic management.
Livestock products that are to be sold, labeled, or represented as organic must be from livestock under continuous organic management from the last third of gestation or hatching, except that:
Poultry or edible poultry products must be from poultry that has been under continuous organic management beginning no later than the second day of life.
Milk or milk products must be from animals that have been under continuous organic management beginning no later than 1 year prior to the production of the milk or milk products that are to be sold, labeled, or represented as organic.
Crops and forage from land, included in the organic system plan of a dairy farm, that is in the third year of organic management may be consumed by the dairy animals of the farm during the 12-month period immediately prior to the sale of organic milk and milk products.


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Paidverts Super User Upgrades
Visit Paidverts on Facebook!
Click on the icon below.
Click on the icon below.
What you need to know about these upgrade BEFORE you buy!
You may earn more than you spent buying the upgrade.
You get your BAP turned into cash faster.
Consumes Bonus Ad Points Faster.
Can slow your ability to climb BAP groups for higher daily ad issues.
Does not guarantee profit EVERY time, but it can when ad purchases are high volume.
Find these upgrades via "My Account" in your Paidverts Navigation Menu.
If you want to build your Bonus Ad Points, these upgrades may, or may not help you. Assess your BAP level, and upgrade earning potential first.
They are designed to consume BAP faster in order to return cash to the member quicker.
Results from the upgrades will vary depending upon :
* How many Ad purchases there were on that day by members.
* How many upgraded users there are sharing in the 1% of ads purchased each day.
* How many BAP points you have.
* Amount of Ads available to distribute through upgraded members.
You won't always get these ads every day, some upgrades will end up being of more value than others due to the variables of members/purchases at the time of upgrade.
If you have low BAP points it may not be the best decision to get these upgrades until you re confident.
If you want to climb BAP groups Super User upgrades may not be of benefit to you.
They are there simply to help turn your BAP to cash quicker than waiting for the Group Ad issue and other random ads alone.
Assess them for your own circumstances.
If you do not earn your spend back in 7 days your upgrade will automatically renew until you have reached at least your upgrade value back.
You will more than likely get more than your money back and profit but also keep in mind you also lose BAP for each Ad issued.
You will need to calculate whether the loss of BAP is worth the bonus earnings you may or may not make from these upgrades.
Here are some more FAQ's about the Super User Upgrades


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Intel (NASDAQ:INTC) shares soared 42% higher in 2014. Meanwhile, the semiconductor giant's quarterly dividend checks held firm at $0.225 per share, so Intel's dividend yield sank from 3.9% in February to 2.4% in December.
The company has been a dividend stalwart for many years, but recent developments have made Intel a head-scratcher for many income investors.
Before writing Intel off as a modest dividend payer, or before backing up the truck to load up on income-generating shares, Intel investors should consider these three important facts.
1. Payouts have taken a long pause from rampant growth
Intel is no stranger to putting dividend growth on the back burner when necessary.
Since starting its dividend policy in 1992, the company has delivered a constant stream of quarterly payouts. However, the company hasn't always increased its dividend payouts year over year, which is a favorite feature for dividend investors.
For example, Intel held its payouts unchanged at $0.02 per share for 14 consecutive quarters in the early 2000s. Aching from the dot-com tech crash, the company preferred to conserve its cash over those three-and-a-half years. But then, the quarterly payouts doubled to $0.04 per share in 2004 -- and again to $0.08 per share in 2005.
A shorter lull started in 2008, when the global economy was imploding. Intel's dividend checks stayed put at $0.14 per share for seven consecutive quarters.
That brings us to the most recent pause in Intel's dividend boosts, which happens to be going on right now. Intel's latest dividend increase happened in the summer of 2012, when the payouts increased by 7% year over year to $0.225 per share. The stock has been stuck at that annual payout of $0.90 per share ever since. That's 10 quarters and counting.
So if you're looking for a bona fide dividend aristocrat, which can be expected to raise its dividend payouts without fail for decades on end, Intel isn't for you. Intel's board of directors prefers a flexible approach, so you may run into long dry spells without dividend boosts along the way.
On the other hand, when Intel is raising its payouts, they tend to grow quickly. Quadrupling the dividend checks in two years to make up for over three years of frozen payouts? No problem. Delivering a tenfold total increase since 2003, extended breaks and all? Sure thing:
In other words, good things come to those who wait. In Intel's case, dividend investors with a thirst for larger payouts may be left hanging for years and years, but the dividend still grows quickly over the long run.
2. Intel is investing billions in other cash flow targets
When Intel isn't boosting its dividend budgets, the company has a couple of favorite alternative cash-flow destinations.
For one, Intel is buying back its own stock at a dizzying pace. Over the last four reported quarters, the company has invested $5.8 billion in share buybacks. That's up from just $850 million in fiscal year 2013. This sudden splurge has reduced Intel's share count by 1.5% since the spring of 2014.
That's not exactly a new strategy for Intel, either. Despite headwinds from a generous share-based compensation policy, which printed out $1.1 billion worth of new shares over the last year, the diluted share count has trended 21% lower in the past decade and 11% lower in five years.
When share buybacks go beyond simply canceling out the dilutive effects of issuing new shares, it's tantamount to shoveling cash into shareholders' pockets. Buybacks aren't always the right strategy, or the most shareholder-friendly, but it's a popular alternative to raising dividends.
The other alternative on Intel's plate is very simple: Holding back on dividend growth lets the company invest more in growing the actual business.
Intel sports one of America's biggest capital expense accounts. Stopping at $11 billion over the last four quarters, Intel is third behind telecom giants AT&T (NYSE:T) and Verizon (NYSE:VZ), with capital expenses that have soared to $22 billion and $17 billion, respectively, according to Capital IQ data .
Verizon and AT&T invest their massive capital budgets in maintaining, improving, and expanding their communications networks. Whether wired or wireless, this is expansive stuff on a national scale.
Intel runs surprisingly close to the telecoms, though. For this company, capital expenses are all about maintaining, expanding, and upgrading its chip-making facilities.
Intel isn't just doing the upkeep on its existing chip factories. The firm has invested $4 billion in brand-new equipment over the last year.
Intel's management and board of directors clearly see growth opportunities on the horizon, big enough to invest $4 billion a year in them. The company is opening up new facilities in places like China and Israel, moving on to the next level of more compact and efficient chip architectures, and betting big on mobile chip designs.
If you think it's a waste of money, better invested into larger dividends, then Intel may not be the stock for you. On the other hand, if you like the growth prospects implied in Intel's big growth investments as a complement to steady dividend checks, you might want to own the stock.
"We believe it is in the best interest of stockholders to reinvest our earnings into the future of the company in research and development," Intel said. I agree wholeheartedly.
3. Dividends nearly doubled Intel's returns over the past decade
Finally, let me point out that the true measure of an effective dividend is how it boosts shareholder returns in the long run.
Let's say you bought some Intel shares 10 years ago. In terms of plain share price gains, you'd be looking back at a 54% gain over 10 years -- behind the S&P 500 (SNPINDEX:^GSPC) and its 70% returns.
But if you had reinvested the dividends in more Intel shares along the way, using Intel's own dividend reinvestment program or a similar solution from your broker, your investment would almost have kept up with the S&P 500's 109% total return:
In other words, leaning on Intel's dividends through thick and thin with a steady dividend reinvestment strategy would have nearly doubled your decade-long returns. Past performance is no guarantee of future miracles and so forth, but it's safe to say that Intel's dividends make a big difference for its shareholders -- flaws and all.


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Sponsor A Child – Donation Form
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The intention of the meditation is to calm your thoughts and in a position to expertise the supreme consciousness. Doing a couple of minutes of sunshine stretching can actually help to loosen you up and prepare each your body and mind for meditation. Meditation may also be useful when you have a medical condition, especially one which may be worsened by stress. Over time, you can change into more conscious of the human tendency to shortly choose an experience nearly as good or unhealthy, pleasant or disagreeable.
Even just some minutes a day can make a big difference. A simple ten or fifteen minute respiratory meditation as defined under can help you to beat your stress and find some inner peace and balance. As a substitute of coaching your consideration on the breath, as is the case in fundamental mindfulness meditation, the body scan involves systematically focusing on completely different sensations and areas, from the pinnacle to the toes.
It typically seems like there is just not sufficient time within the day to get every thing done. Since focusing the thoughts is challenging, a beginner might meditate for only a few minutes and then work as much as longer durations. Meaning focusing only on a mantra or other stress-free words, reminiscent of metta meditation.
Simply as listening to a instructor might help you stay centered when the thoughts wanders, discovering a gaggle to observe with may help make meditation part of your routine. Take in the sights, sounds and smells of your environment – feel the contemporary breeze in opposition to your face, or the warmth of the flames warming your physique.
Mindfulness meditation is the follow of really being current within the second, which in flip trains us to turn into extra conscious throughout the day, particularly throughout difficult situations. Or, develop a pattern of sensations to concentrate on: for instance, first the sensation of breath passing in and out of your nostrils, then the diaphragm rising and falling, after which the light breeze of air simply above your lips.


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In three days, my team has gone through three prototypes. And we just might have something.
We've gone from "fighting global corruption," to "fighting corporate corruption" to "increasing the efficiency and effectiveness of corporate compliance programs."
After talking to Ron Strauss, executive vice provost and chief international officer at UNC-Chapel Hill, last week, we knew we had to 1) interview people outside of the corporate world to get an independent look at the issue and 2) shift our service to a platform that connected businesses with international business schools. The idea, at least for about 12 hours, included a "corruption feed" where students and business people could exchange anti-corruption strategies.
We talked to a law librarian and were horrified when he suggested our service could "aid and abet" corruption. How would we make sure that the peer-shared strategies meant to avoid corruption wouldn't actually encourage corruption?
But that wasn't even our biggest problem. In our current model, no one had a strong incentive to give information. A sharing site doesn't work when no one wants to share.
We were stuck. In comes James Reimer, a former Cargill employee who worked internationally and is currently developing a salt business in Haiti.
He also happens to be my Dad.
We asked him, "What do companies need? What are they willing to pay for?"
He said that most companies have mandatory compliance training on corruption and code-of-ethics issues. This training is usually offline, non-interactive and a huge pain for human resources.
We had a new problem to solve. One that was, thankfully, a lot narrower and more manageable.
Our new service offers "customizable, interactive and regionally-specific compliance training." Employees would read and watch cases of recent corruption issues in their countries (i.e. Walmart bribery in Mexico) and give their feedback.
For instance, "Do you think what the company did was wrong?" and "How likely is it that your company would do something similar?"
The service would then create reports on the "ethical status" of each division, allowing companies to address problems before they become headlines.
And with that, we sent out our first email to a potential customer.
How can we move forward while waiting on IRB approval?
First pitch: The IRB application
Tackling global corruption: We have a value proposition


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February 15, 2011 4:37 PM
Yesterday I wrote about how Lenovo,
The sneaky vulnerability that beat Coca-Cola's HDD encryption and leaked the secret recipe
Yesterday I wrote about how Lenovo,
February 15, 2011 3:52 PM
RSA Conference takes to the sky
February 15, 2011 1:50 PM
Oracle Database Firewall: A Babel Fish for SQL Sleazeballs
Oracle Database Firewall made its public debut here at RSA yesterday, and for a...
February 15, 2011 11:20 AM
Backupify.com backs up the cloud in the cloud
February 14, 2011 2:59 PM
I'm heading to RSA this afternoon, and the
At RSA, Cloud security as hazy as the weather
I'm heading to RSA this afternoon, and the
February 14, 2011 9:54 AM
Lenovo and WinMagic offer up new Full-Disk Encryption (FDE) management options
As the Trusted Computing Group's Opal security standard...
February 10, 2011 2:14 PM
Cloud Security Books and Recommended Reading
February 10, 2011 12:01 PM
At RSA 2011, Hacktivism is (again) a corporate threat
Prepping for RSA, my days this week have been jam-packed with pre-briefings. Most of the announcements I've come across have been rather ho-hum: Product line updates, new partnerships, sales goals completed (Got something more exciting? Drop me a...
February 8, 2011 3:12 PM
Blue Coat jumps on as-a-service bandwagon with web security
February 8, 2011 7:00 AM
Maybe the cloud is more secure
Is all the cloud concern justified? Today's guest post comes from David Strom, and he argues that while it isn't the cloud that's insecure, it might be your own cloud...


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These picture windows pictures were made with the iPhone and processed on the iPhone with the Snapseed app.
In this case, the intent of the processing was to create pictures for Instagram. Since the Snapseed app preserves the original file, upon my return home I will be processing the original files on my desktop machine using Photoshop. The intent of that processing will be to create pictures in the manner of my "serious" picture windows work.
In addition, all of the pictures made on my Stone Harbor visit will be converted/processed into The New Snapshot format for inclusion in a new sanpshot album/book.


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To assist organizations in assessing information pertinent to the decision making process, we have compiled and listed information about NJIT programs, students, and graduates. We hope that you find the information useful and that you select NJIT as a target recruitment school.
NJIT is recognized nationally for its strong academic standards and computing-intensive approach to education. Organizations from every sector and size look to NJIT to identify qualified graduates who make an immediate impact in the work place. With over 10,000 students majoring in over 90 distinct engineering, computing, science, math, technology, design, and management majors, NJIT is a best source for diverse, high-tech talent.
As your organization develops its upcoming campus recruiting schedule, we ask that you strongly consider NJIT. NJIT's Division of Career Development Services is your one-stop, centralized connection to students and graduates.


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In what feels like the new and unfortunate normal, the government has once again started this fiscal year under a continuing resolution (CR). The CR serves as a stopgap measure that will maintain the previous year's funding levels and delay the possibility of a potential government shutdown until mid-December, however, the CR is a serious disruption to military contracts and causes severe consequences to the U.S. Military's overall readiness. As Senator John McCain (R-AZ) told his chamber of Congress this week, "Perhaps the greatest harm to our national security and our military is self-inflicted. It is the accumulation of years of uncertain, untimely, and inadequate defense funding."[1] More specifically, the CR prevents the start of new contracts and creates serious problems and inefficiencies throughout the Department of Defense bureaucracy.
One significant way CRs impact our military readiness is by forcing delays in planned military training activities. A short three-month CR, like the one recently passed, causes critical training activities to be condensed or even scrapped in order to accommodate for budget constraints and accelerated timelines. As an example, the recently passed CR causes the Air Force to lose institutional training and flying hours, which are crucial for American pilots' successes in combat situations.[2] All of the services could be required to condense or even cancel many upcoming field exercises. Within 90 days, the lost training would not be able to be recovered because units must enter already pre-scheduled exercises, thus further degrading their combat readiness and leaving U.S. servicemen and women without beneficial training.[3] Unfortunately, the result of this loss of training has been fatal, and has ultimately caused over four times as many uniformed men and women to be killed in training accidents than have died in active combat. Once again, it is sadly apparent that continuing resolutions not only harm our service members readiness to respond to potential threats, but also jeopardize their safety during peacetime.
In addition, CRs cause major delays for contracts and program start dates. For instance, the Navy will have to delay the induction of 11 ships in to the fleet, which will further backlog already delayed maintenance work at shipyards.[4] Meanwhile, the Army will have to defer working for the U.S. Government or with the U.S. Government a much less attrasupply transactions during this CR, creating more inefficiencies and costs in order to maintain timelines.[5] The execution of infrastructure projects will also be limited, affecting 79 major Air Force installations worldwide.[6] Furthermore, the CR also creates uncertainty in the hiring process of uniformed and civilian members into the Department of Defense. This unnecessary, repetitive, and self-inflicted process make active option to the best potential candidates.
Running the Government on a CR also significantly impacts government contracting efforts by increasing costs and delaying critical projects. Because CRs generally prevent new-starts on contracts and pauses production rate increases, many major programs are impacted across all sectors of the military. The Army alone has 18 of such projects that are affected by a three-month CR, including; the Paladin Integration Management Improvement, TOW2 missiles, M240L medium machine gun, the Advanced Tactical Parachute system, and several others. The Navy also has several contracts for Q1 fiscal year that are impacted, including the VA [Virginia] Class submarine AP, CMV-22, JLTV, KC-130J, Trident Missile subsystems, RAM, Griffin, ESSM, and Hellfire Missiles.[7] Additionally, the Air Force will see delays or price increases in projects like the F-35 sensor-shooter, B-21 long-range sensor-shooter, T-X advanced trainer, and KC-46 tanker.[8]
Though there is no way for contractors to completely mitigate the effects of a CR, there are several steps contractors should take to help protect themselves. First, contractors should be prepared for multiple scenarios, including worst case scenarios like a potentially extended CR beyond December, though that is unlikely.
It is also important that those companies and industries most affected by extended and frequent CRs play a proactive role in educating Congress on both the importance of their programs and most importantly, the adverse effects these disruptions have on American national security. The disruptions to contracts, maintenance activities, and supply transactions drive up costs for both the government and its contractors, making it abundantly clear that both parties have mutual interest in ending the current state of affairs in which we see frequent CRs.
In this area, The McKeon Group is well equipped to assist our clients work through turbulent times and ensure that key stakeholders are aware of the negative impacts of insecure budgets. Our team is committed to making sure that our clients are best positioned to understand and have a role in the congressional appropriations process.
- National Defense Authorization Act for Fiscal Year 2018–Motion to Proceed, 115th Cong. (2017) (testimony of Sen. John McCain). https://www.congress.gov/crec/2017/09/13/CREC-2017-09-13-pt1-PgS5245-5.pdf
- Mattis, James. (2017, September 8). Impacts of a Continuing Resolution Authority in Fiscal Year 2018. Retrieved from https://www.mccain.senate.gov/public/_cache/files/899b1f10-136a-4760-a058-b761137e9a23/mattis-letter-to-mccain-on-cr-9-8-17.pdf
- Mattis, James. (2017, September 8).
- Mattis, James. (2017, September 8).
- Mattis, James. (2017, September 8). Impacts of a Continuing Resolution Authority in Fiscal Year 2018. Retrieved from https://www.mccain.senate.gov/public/_cache/files/899b1f10-136a-4760-a058-b761137e9a23/mattis-letter-to-mccain-on-cr-9-8-17.pdf
- Mattis, James. (2017, September 8).
- O'Rourke, Ronald. (2017 September 22). Navy Force Structure and Shipbuilding Plans: Background and Issues for Congress (CRS Report No. RL32665). Retrieved from Congressional Research Service website: https://fas.org/sgp/crs/weapons/RL32665.pdf
- Deptula, David. (2017, April 13). Congress, Military Are Running Out of Time. Retrieved from http://breakingdefense.com/2017/04/congress-military-are-running-out-of-time/