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Risk glossary
Risk glossary
Search for the definition you are looking for.
Contract for difference (CFD)
1) A long-term swap agreed bilaterally, generally between generators and electricity supply companies, and referenced to prices in the relevant pool. CFDs have been issued by some governments to encourage constructions of particular forms of low-carbon or carbon-free generation such as nuclear, to be used within an otherwise free market mechanism.
2) A short-dated swap agreement used to minimise the basis risk between the daily published Platt's quote for dated or physical Brent in a specific time window in the future and the forward price quote for a specific month. Settlement of a CFD is based on the published price difference at a designated time.
* see also electricity market reform


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October 14, 2017
October 15, 2016
October 14, 2016
October 10, 2016
October 9, 2016
October 5, 2016
The Mitra Moves You Team is GTA's premier real estate team. We specialize in homes for sale or rent in Thornhill, Richmond Hill, Markham, Vaughan and Toronto.
We specialize in transforming dreams into sustainable wealth through strategic home ownership and real estate investments.
Team Mission: Your trusted partner in turning dreams into reality.
Team Vision: Connecting people, building communities.
Team Values: Communication, Commitment, Connectedness & Care, Truthfulness, Giving, Result Driven.
Mitra Moves You Team
Direct: 416-832-9292
Fax: 416-946-1111
Email: firstname.lastname@example.com
Keller Williams Referred Realty
156 Duncan Mill Rd
North York, ON. M3B 3N2
Office: 416-445-8855
Mitra Moves You Team © 2018

subset: commoncrawl


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US teens more stressed than adults
Teenagers in the United States are experiencing higher levels of stress than many adults, USA Today reported.
As a part of the American Psychological Association's (APA) Stress in America survey, more than 1,000 teenagers and 2,000 adults answered questions about their overall stress levels and coping habits. Though the APA has conducted similar surveys in the past, this was the first to focus specifically on stress among teenagers.
Overall, the survey revealed that 27 percent of teenagers reported feeling "extreme stress" during the school year, compared to 20 percent of adults.
While levels of "extreme stress" among teens fell to 13 percent over the summer months, 34 percent of teens surveyed said they expected their stress levels to increase over the next year due to a variety of stressors, including school, work, family and friends.
"The last two years in high school have been the most stressful for me and my friends," survey participant Hannah Sturgill, 18, of Portsmouth, Ohio told USA Today. "We have to do everything and be perfect for colleges and we have a big workload. Most of the time we talk about how stressed we are."
Many of the teenagers surveyed said they were suffering from irritability or angriness (40 percent), nervousness or anxiety (36 percent) or depression and sadness (33 percent) because of their stress. Sturgill told USA Today she sometimes skips meals because of high levels of stress.
"Our study this year gives us a window in looking at how early these patterns might begin," clinical psychologist Norman Anderson, the APA's CEO told USA Today. "The patterns of stress we see in adults seem to be occurring as early as the adolescent years — stress-related behaviors such as lack of sleep, lack of exercise, poor eating habits in response to stress."
The survey also revealed that many teens aren't using good coping mechanisms to deal with their stress – over 40 percent said they played video games or went online to relax, compared to 37 percent who said they exercised for stress relief.
According to the report, today's teens may be at risk for a variety of ill health effects – including shorter lifespans – due to their high levels of stress.


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REVIEW: Brownville Song (B-SIDE FOR TRAY) at Philadelphia Theatre Company/
Rachel Spencer Hewitt
As the audience settles in to the seats at the Suzanne Roberts Theatre in Philadelphia, the rustle of the programs and crinkle of matinee candy whisper politely in the open space. I take in the industrial set pieces and see shadows moving into place. With the houselights still on, I begin to wonder if these are stage hands or actors, secret or meant to be seen. A hush tries to fall slowly as other audience members begin to wonder as well. Before we can fully sink back and detach, the house lights flash off and the kitchen lamp on stage flashes on simultaneously, abrupt and aggressive. We're here. We're in the kitchen of a small brooklyn apartment under the life-size beams of a subway that literally stretch beyond the stage's borders and over our heads, and the matriarch of our story – grandmother Lena (Catrina Ganey) – sits and stares us squarely in the eyes. We are not allowed to settle into comfort, but we are instantly engaged. Welcome to Brownsville Song.
Ganey begins speaking with powerful intention, carving the language of her monologue like a jack-o-lantern that leaves us to bask in its terrible glow. Through the character Lena, Ganey affirms for us the sudden thrust of this first moment is intentional as she explains "it ain't comfortable." We learn that we're at the climax of a great tragedy: the headlining demise of a young black man. Before we're able to indulge more in her grief, she chides us for showing up at the wrong beginning, telling us we "can't start here." Ganey gives a glimpse into what will be her show-long, powerful performance of extremes. From flashes of rage, her heart quickly softens: she begins to profile her grandson as though he were any other boy, mentioning the moments that mattered were his boyish sins like drinking out of a milk carton, and before we're introduced to the simple young man, we're asked to see him as just that.
Jumping into the light, a young girl Devine – played by Kaatje Welsh with bright attention and a big, vulnerable voice – calls out to Tray, and our eyes dart around for our title character. Tray briefly bounds into view, giving focus to his younger sister as though we don't exist. After a game of catch with Devine, Tray's gone as quickly as he appeared, giving us the chilling reminder that we're meeting this figure as a family's memory. Throughout the piece, Devine interacts with memories of her brother to the score of classical pieces that are interrupted by more contemporary rhythms. Devine's life often has glimpses of the late Tray that she accepts as reality, and the aural collision of these two musical worlds merge throughout the piece as the welcome disruption Tray's memory brings to her daily activity.
Tray – the gifted Curtiss Cook Jr., more on him later – finally unveils himself fully in scene at the corner of the stage, boxing restlessly, and confronted by a school tutor begging him to put his struggle into language for a scholarship essay. Before the audience can nod sympathetically with a desire to know what led Tray to his eventual, early end, Tray refuses to let the teacher (and us) pity him. He confidently insists that struggle is not the theme of his story. He refuses to see his life that way, and – with a strength surprising in a teenager – facilely turns youthful in his expectation that his tutor will write the essay for him.
Tray's mother Merrell (Sung Yun Cho) re-inserts herself into the family's life after a significant time away. Cho's emotional resources lie ready in waiting for each plea Merrell makes to Tray, Devine, and Lena. Tray's mother functions as the Other in the story. She possesses the most complicated narrative, almost to a distracting degree. Merrell is a disappointing figure in the family's life who returns for restoration, allowing Tray to serve as the voice of wisdom and power in hers. As we learn more about Merrell, her information serves more background than real agency to plot, and – as complexly as she is presented and played – could be interchangeable with any Other's fallen story. Perhaps that's playwright Kimber Lee's motive, as I found myself thinking any Other narrative could have been inserted to show how the Tray-Devine-Lena threesome had been let down. More than once, Merrell attempts to bond with Lena via her own grief, and Lena takes the same tone with her as she did with us at the beginning, reminding Merrell that it's not about her, not about her grief. Merrell's story could be anyone's story, but perhaps that's the point: anyone of us is responsible for neglecting the lives of Tray and others like him, and when tragedy strikes, we let our own grief steal focus. As long as we're watching in Brownsville, Lena refuses to let that happen, herself grieving privately at the edge of Tray's bed only after remembering his humor, kindness, and – most of all – love.
The responsibility and ultimate success of Curtiss Cook Jr. is that he plays the complex, young Tray with honesty, conviction, and – too rarely seen in tragic characters – irrepressible joy. Curtiss Cook Jr. has the rare, innate ability to inhabit a character so fully you believe Tray could be played by no one else. Cook naturally radiates the youth, charm, and strength necessary to make Tray a believable, multi-dimensional teenager who is both relatable and distinct. Tray's brief scene in the boxing gym aptly fits Cook's performance, grounded, light on its feet, and able to pack a solid punch. Like Tray, Cook is uninterested in the pity or even sympathy that could easily be milked from the role by a lesser performer. In keeping with his character's spirit, Cook insists on the positive, becoming – like Tray – the pillar on whom everyone else in the world can lean. He generously plays with the characters in his life, offering support, loyalty, laughter, and insight with the necessary nuance of naiveté. In a pivotal scene, Cook's tears slip out without effort and almost without his permission. We see no sign of an actor pouring out the waterworks but instead see the young man Tray moved in spite of himself, transparent to a fault, who then quickly resolves to pull it back and shake it off just late enough that those of us watching can't help but be shaken by it. When Cook appears as the apparition Tray – as largely responsible for transporting us as any set or design or story element – our spirits soar, and when Tray is gone, the hole Cook leaves is palpable. The loss Cook leaves us with forces us to grieve with the characters as they search for meaning in the loss of Tray. By the end, the audience has feared for Tray, learned from Tray, and – in vocal solidarity at the final moments of the performance I attended – cheered for Tray. Cook's reaction to this final moment as he projected Tray's words over our heads like a blessing reinforced his genius – he's been connecting with us, too, the whole time.
The story flashes back and forth between up-beat memory and the weighty present, kept sharp and clear by Eric Ting's direction and the intelligent lighting done with precision by Russell H. Champa. Anthony Martinez rounds out the world with smartly played, contrasting ensemble characters and delivers the details of Tray's end with a booming baritone voice like a greek chorus singing the praise of a fallen hero.
The power of this cast to pull meaning from contemporary stock characters and rattle us with their relationships makes Brownsville a must-see. The intention is not to reveal over-arching twists in the plot as though unfolding a mystery, as Lee tells us the end from the get-go. The intention is to immerse us in the conventional moments that build on the love and strength of a family. It is from the peak of this mountain of hope that makes the fall seem so far. The tragedy of the death of this young man isn't the thrill of the week we may want to make it, it's the loss of a son, grandson, and brother who had joy, possibility, and expectation. We cannot help but hear echoes of the current events in Baltimore and around the country where each death of a black man at the hands of police brutality is met with viral shares of rap sheets, as though the victim's life could be discredited. Yet Kimber Lee proves with this inspiration that we refuse to reduce a victim to a headline when we start to listen to the voices of the families themselves, allowing them to lead the narrative, instead of clicking through advertised plot points. Brownsville Song reminds us that the only way this story and others like it will matter to us is if we fall in love with Tray and others like him by visiting the intimate, human moments that precede the headlining tragedies, allowing Tray and others like him to articulate their own identity, their own future, and discovering that – like Merrell – we may be surprised by their strength when we don't make their struggle about us.
Brownsville Song (b-side for Tray) is playing at the Philadelphia Theatre Company's Suzanne Roberts Theater now through May 31 only. For tickets and more information from the box office you can visit philadelphiatheatrecompany.org or call 215-985-0420.
Suzanne Roberts Theater
480 Broad St.
Philadelphia, PA 19102


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- Published:
- January 31, 2009
[update] Of course this was a human error. Google Skynet isn't supposed to gain sentience for a few more years yet.[/update]
Something's not right here. Either Google was hacked (which I seriously doubt), every site on the interwebs is now malicious, or Google SERPs are a giant FAIL right now.
I have two working theories:
- Somebody googled "Google", which set off a chain reaction that nobody anticipated like a snake swallowing its own tail, or
- Skynet!


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Pancreas, Signs of Poor Function, and Treatments
Source: Patient information: Chronic Pancreatitis
Symptoms of Poor Pancreatic Function
Symptoms of poor pancreatic function (pancreatic insufficiency) do not occur until about 90% of pancreatic function has been lost. The pancreas normally contributes to the digestion of different types of food, the absorption of food breakdown products from the digestive tract, and the metabolism of blood glucose (blood sugar).
Symptoms of poor pancreatic function may include symptoms associated with fat malabsorption; significant fat malabsorption results in steatorrhea, (the presence of excess fat in the stools, usually caused by a disease of the pancreas or intestine, and characterized by chronic diarrhea and weight loss), resulting in loose, greasy, foul-smelling stools that are difficult to flush.
Symptoms of poor pancreatic function may also include glucose intolerance (high blood glucose after consuming sugar and carbohydrates) and diabetes. If pancreatic function is severely affected, a person may also experience symptoms of vitamin and nutrient deficiencies, including weight loss.
Carbs Are The Primary Cause of High Triglycerides
Note: Extremely high triglycerides may result in side effects like pancreatitis.
Triglycerides are the chemical form of fat found in foods and in your body. [That doesn't mean your body makes triglycerides from dietary fats or fatty foods.] When you eat a meal, any unused calories are converted to triglycerides and stored in your fat cells (some triglycerides are also present in your blood stream). Later, they will be released to meet the energy needs of your body.
You've likely heard of triglycerides before, as there has been intense research over the past 40 years that confirmed that elevated blood levels of triglycerides, known as hypertriglyceridemia, puts you at an increased risk of heart disease.
Unfortunately, many experts still believe that the way to treat this problem is with a low-fat diet. What is often overlooked with low-fat diets is that people tend to replace the fat with simple carbohydrates, and these are the primary cause of high triglycerides.
There are few absolutes in medicine, but I have yet to see someone with high triglycerides fail to respond to a comprehensive restriction of grain and sugar carbohydrates. I suspect there might be some cases out there, but I haven't seen them.
There is an excellent review of carbohydrate-induced high triglycerides, which thoroughly covers the history and science of my clinical observation, in the February 2000 American Journal of Clinical Nutrition.
In fact, I wish I would have cited this reference in my letter to the Canadian Medical Journal, published earlier this year, which challenged their review article claiming low-fat diets are the solution to, rather than the cause of, high triglycerides.
This condition may not present any symptoms until heart disease develops, so the best way to know if your triglyceride levels are within range is with a blood test. Extremely high triglycerides may result in side effects like pancreatitis, an enlarged liver and spleen, and xanthomas, or fatty deposits in the skin.
If your triglyceride levels are elevated, it likely represents a severe abnormality of insulin balance in your body, and it is very important to lower them [sugars and carbs] since, again, high triglycerides are an incredibly potent risk factor for heart disease.
Fortunately, you are being armed with the information you need to get things under control–triglyceride elevation is one of the most easy and straightforward problems to correct by dramatically reducing, or eliminating, grains and sugars in your diet.
This includes bread, pasta, rice, potatoes, corn, bagels, cereals, crackers and sweets like cookies, candies and fruit juice. You can read more about the role of sugars in elevated triglycerides in this review in the October 2003 American Journal of Clinical Nutrition.
Although this type of dietary change may sound overwhelming to start, you will soon break your addiction to grains and sugar and your desire for them will decrease, along with your triglyceride levels. Plus, you will likely have more energy than you've had in years. My book, The No-Grain Diet, can help you on your way to a grain-, sugar-free lifestyle.
Along with the diet there are two other factors that will protect your cardiovascular health: regularly taking a high-quality fish oil [or cod liver oil in the Winter] that is chock full of beneficial omega-3 fatty acids, and getting plenty of exercise. Bee's Note: You must also take vitamin A along with fish oil – see Cod Liver Oil Products/Brands with Nutrient Levels for more details about taking omega 3, vitamin A and vitamin D.
When choosing your fish oil it is important to find a brand that is independently tested by a lab and found to conform to purity guidelines. This will ensure that the oil is free of mercury and other toxins. One such brand, which I have found to be of superior quality when I compared it to many other brands, is Carlson's fish and cod liver oil, and I now offer this exceptional fish oil/cod liver oil to you in my "Recommended Products" section. You can also look for it in your local health food store.
Now is the time of year when people living in cooler climates will want to switch from fish oil to cod liver oil. The main difference between cod liver oil and fish oil is that cod liver oil is high in vitamin D. In warm weather months, the more intense sunshine allows your body to produce high and usually sufficient levels of vitamin D without any supplementation necessary.
However, in cool weather when intense sun exposure is limited, your body will need more vitamin D, and so I recommend cod liver oil versus fish oil in cool weather months or climates.
I generally recommend that you take cod liver oil from autumn to early spring, and fish oil from late spring through the end of summer. However, those who live in more tropical environments with regular exposure to more intense sun will most likely be fine taking fish oil year round, as your vitamin D intake from the sun will be sufficient. [Note: When taking fish oil, supplementation with vitamin A is also required.]
Daily Aspirin Use Increases Risk of Pancreatic Cancer
Women who take aspirin regularly may be at an increased risk of pancreatic cancer, a particularly deadly form of cancer. Researchers found that taking two or more aspirins a week for 20 years or more increased the women's risk of pancreatic cancer by 58 percent, and women who took 14 tablets or more per week had an 86 percent greater risk. Millions of women take aspirin daily in order to protect against heart disease and to treat aches and pains.
Women in the study who took between six and 13 aspirins a week had a 41 percent higher risk than women who did not use any, compared with an 11 percent greater risk among women who took one to three aspirins a week.
Although pancreatic cancer affects only 31,000 Americans a year, most patients die within three years. The cause behind pancreatic cancer remains unknown, however a previous study found that taking aspirin regularly may cause an inflammation of the pancreas known as pancreatitis, which sometimes leads to pancreatic cancer.
Aspartame, What You Don't Know Can Hurt You
The last component of aspartame is methanol, better known as wood alcohol, a "deadly poison," claims Dr. Roberts. The Environmental Protection Agency recommends less than eight milligrams per day of methanol. A typical liter of an aspartame diet soda contains approximately 55 milligrams.
Complications of methanol poisoning include blindness, brain swelling, pancreatitis, numbness, shooting pains, cardiac changes, and death (28, 42-45). According to Aspartame Consumer Safety Network, when ingested, methanol breaks down into formaldehyde, "known to cause cancer, accumulating slowly without detection in the body" (The Deadly Deception 2).
Hydrochloric Acid Improves Pancreatic Function
Having enough hydrochloric acid (HCl) is critical for good digestion. If the chyme (mixture of food, water and HCl) emptying from the stomach into the small intestines doesn't contain enough stomach acid, the pancreas does not get stimulated enough to produce digestive enzymes and bicarbonate of soda in the small intestines. (Bicarbonate of soda is required in order to neutralize HCl for continued digestion in the intestines.) See How to Take Hydrochloric Acid Supplements.
Therefore, it is very important for the proper functioning of the pancreas to ensure the stomach produces enough acids. Some people need to take betaine hydrochloric acid supplements and also improve digestion in other ways – see Stomach Acid Problems for details on how digestion works, and how to improve it with foods, herbs and spices.


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Hellenic Park
This facility is in a beautiful pastoral setting with a large grove of oak trees, providing a perfect location for picnics and other youth gatherings. The property will continue to be available for church, youth groups, and fraternal organization picnics and retreats while plans are prepared for future improvements.
Pesently this facility has the following improvements:
Arterial roads provide access within the property, a well and pumps deliver water to The Grove and electrical power is also provided at power panels in The Grove.
Celebrating Pascha
The biggest event we celebrate at Hellenic Park is Pascha.


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The Dessoff Choirs ushers in the winter solstice with a rare performance of Margaret Bonds' The Ballad of the Brown King, a holiday cantata focusing on Balthazar of the Three Kings. The text was written by Langston Hughes and the entire work was written in honor of Martin Luther King, Jr .The concert begins with traditional holiday motets and a work by Michael T. Roberts using Whitman texts. The concert will conclude with Silent Night by candlelight and the "Hallelujah Chorus" from Handel's Messiah.
Pre-concert talk – 3:15 pm
Margaret Bonds and the Ballad of the Brown King
Dr. Ashley Jackson
|Spaseniye sodelal
|Pavel Chesnokov (1877-1944)
|Carol: O come all ye faithful
|John Francis Wade (1711-1786)
|Arr. David Willcocks (b. 1919-2015)
|Ave Maria
|Anton Bruckner (1824-1896)
|To Soar in Freedom and in Fullness of Power
|Michael T. Roberts (b. 1978)
|Carol: Hark the herald angels sing
|Felix Mendelssohn (1809-1847)
|arr. Daniel Fortune and Malcolm J. Merriweather
|The Ballad of the Brown King
|Margaret Bonds (1913-1972)
|Carol: Silent Night
|Franz Xaver Gruber (1787-1863)
|Hallelujah from Messiah
|George Friderick Handel (1685-1759)


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Here's an interesting video I came across while browsing through YouTube this morning. Do you think modern pop music is terrible or is it a matter of changing personal tastes. This video from the channel Thoughty2 attempts to scientifically explain the decline in the quality of popular music in the past 40 years. I think the commentator makes some very interesting points. What do you think?
I'm preparing a new series of concerts for my supporters on Patreon (my patrons). These concerts will be live streamed and I'll be able to acknowledge and communicate with you all in real time. I'll also be including a lot of background stories and advice pertaining to music.
If you want to participate in these live steams please click the Become a Patron button above. I'm almost my goal necessary to begin start producing the concerts. So I would greatly appreciate a small pledge of $5 from you. Thanks!


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It was the evening of Friday, May 4th. We were hosting one of the University of Vermont's public philosophy forums discussion. The topic for the evening was a fitting one: Plato's Symposium, a discourse on objective value and what makes something like wine good.
Lead by Michael Ashooh, the discussion was picking up. Folks were weighing in about whether knowledge enhances one's ability to determine value. As the conversation really started to roll, so did the weather. Creeping in from the West was a looming wall of clouds making its way across Lake Champlain.
The rain came down hard and suddenly. In great waves the wind brought heavy rain and quarter inch hail sideways against the glass doors that flank the tasting room. It went from feeling like we were in a lecture hall to being in a ship tossed on a sea during a storm. Rain began to shoot in through the seams of the doors. The power flickered and then went out.
Warmer weather comes with a classic New England phenomenon: Thunderstorms that come from nowhere. We anticipate at least a few a year that turn the sky green and bring on that feeling of a drop in pressure, the smell of imminent rain.
This one was a doozy, though. And had it come a couple of weeks later than it did, we could have experienced some severe damage in the buds on the vines. When those tender shoots first start to emerge they are temporarily prone to the likes of hail and 50 mph wind gusts.
Many folks in town experienced some serious damage from the winds. The soft, damp earth couldn't hold up some of the larger trees around town. The Shelburne Museum experienced some serious property damage. We feel very lucky that we came off with barely a scratch.
We're looking forward to coming weeks of good weather and a strong start to the growing season! We'll be back soon with updates as the vines begin to grow their shoots!


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Our office is located in Sofia and 3 centres are established in the country by the Society
- Wetlands Conservation centre "Dragoman marsh" — town of Dragoman
- Large Carnivore Education Centre — village of Vlahi, West Pirin
- Testudo Breeding Centre — Dragoman
Wetlands Conservation centre "Dragoman marsh"
The centre is located in the town of Dragoman about 2 km from the marsh. After two years of work by volunteers and supporters of Balkani, the old building of the community centre is now restored and welcomed the first group of students. Reconstruction work and equipment of the centre are provided within Balkan WS projects supported by the GEF Small Grants Programme, the EEA Grants and the Royal Netherlands Embassy. This is the first interactive centre in Bulgaria designed for meetings and training sessions on nature conservation and wetlands, intended for children of all ages. The Wetlands Conservation Centre (the library building) is located on the crossroad to the village Golemo Malovo. (link)
Large Carnivore Education centre
Тhe team working on the research and protection of the wolf in Bulgaria has been working on education for years. The realization of the idea of an educational centre for large carnivores is a major step in this process. The centre was built in Vlahi village at the foot of the Pirin Mountains. It is conceived as a platform for conducting educational activities for nature as a whole, although the focus is on large carnivores in Bulgaria and abroad. The exhibition halls are equipped with interactive materials with rich information. A hall with 50 seats and projection equipment for meetings allows for practical work and seminars, workshops and more. The centre is realized within Darwin Initiative, Anglian Wolf Society, DBU, EURONATUR. Our partners are Education4Conservation and ENEA. Anyone who loves nature can visit us and learn interesting things about the lives of carnivores is welcome at the Large Carnivores centre Vlahi. (link)
Testudo Breeding Centre in Dragoman
As result of human activity, the populations of the Hermann's tortoise (Testudo hermanni) living in the vicinity of Dragoman, north side of Chepan mountain and the border with Serbia (Dragoman-Kalotina-region) are not viable. The purpose of establishing the centre is to enhance the local population of the species after reaching a genetically stable colony in controlled conditions. The Centre is funded by Naturegio programme (link).


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Modern Baby Bedding Style
Modern baby bedding can be expensive. In addition, you are not sure if the materials used for bedding are suitable for your child's skin. You can make your own bedding for a crib. This will also ensure that your child is comfortable with the material in the bedding for the crib. You can also choose between different patterns for the fabric that suits your nursery or gender on your child. You do not need special sewing skills to make bedding. You only need basic sewing skills.
Material. The material you need to create modern baby bedding for a baby bed is a sewing machine, fabric for bedding, wire, scissors and a tape measure. Choose a fabric that is soft and it is not scratching so the baby will be comfortable. You can also choose a design of the fabric that will go well with furniture in the child's room. In this way, furniture and bedding will be coordinated.
Measure. Measure the size of the child's crib and make sure to have a replacement for stitches. Cut the fabric that you bought based on the measurements you received. You can also use the pattern from old bedclothes, or you can also use a pattern from different pattern books. This will help you to create bedding for a crib.
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Pedro de Cieza de León
"Pedro Cieza de León (Llerena, Spain c.1520 ---Seville, Spain 1554) was a Spanish conquistador and chronicler of Peru.
Cieza arrived in Perú in 1548 and became one of the most prominent early historians of ancient Perú as he interviewed many of the wise men and nobles of the Incas.
He is known primarily for his history and description of Peru, Crónicas del Perú. He wrote this book in four parts, but only the first was published during his lifetime; the remaining sections were not published until the 19th and 20th centuries." (Wikipedia, Pedro Cieza de León, 2014)
<< Crónicas del Perú The
<<The second part of the Chronicle of Peru, by Pedro Cieza de León
The handed down bits and pieces of informaion about the coming and events of "Ticiviracocha", Viracocha, or Jesus Christ to the Americas. >> (The second part of the Chronicle of Peru, by Pedro Cieza de León, p. 5-6 ) Published in English in 1883.
Cieza de Leon "came to Peru fifteen years after the seizure of Atahualpa by Pizarro…Cieza de Leon mentions the destruction of the [Peruvian Indian] people. In every valley he entered, the Spaniards had killed them by thousands, and their buildings reduced to ruins. In many districts the whole population had been exterminated. In one place he says —" Nearly all these valleys are now almost deserted, having once been so densely peopled, as is well known to many persons." He heard of misery and cruelty in every part of the land. He saw the palaces and store houses of the Incas in ruins, the flocks slaughtered, the grand roads destroyed, and the posts for pointing the way in the deserts used for firewood. His barbarian countrymen pulled down the great works of irrigation, and turned thousands of acres of fertile land into desert. Cieza de Leon felt warmly for the wrongs of the Indians…. He tells us that…[they] burying food with their dead for the journey to the other world." (Travels of Pedro de Cieza de Leon, 1532-1550, the first part of the Chronicles of Peru, Pages 17,93,108,119,203,213,220)


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|one - no doubt this triple chocolate mousse recipe from Cannelle & Vanille will be enjoyed by chocolate lovers!
|two - this looks like a chocolate tablet, but it actually is... a magnet! Funny yet useful, from Bird on the wire.
|three - think about it: tea and chocolate... this might be the perfect combination ever! These chocolate flavoured teas are from Déclinaison chocolat.
|four - chocolate spoons to devour with your coffee. Isn't this neat?
|five - some delicious organic fairtrade chocolate, made with cocoa cultivated in Peru.
5 things for chocolate lovers - En mai, fais ce qu'il te plaît... — LiveJournal
17 December 2008 @ 11:26 am
5 things for chocolate lovers


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Esoteric Collective and Black Hills Vinyl present
Saturday June 3rd 2017
The Bad Boys of Summer Tour feat:
Souls (Black Hills metalcore/emo boys)
FFO: 2006, It Dies Today, Still Remains, Winter Solstice
Minor Morals (Arizona hardcore)
FFO: Trapped Under Ice, Incendiary, Cruel Hand
Capitol Offense (Illinois' baddest dudes)
FFO: Hatebreed, Slayer, Naysayer
Locals get at me if interested in playing.
Come see some of the hardest working bands in hardcore and maybe snag that Joy Division record you've wanted since you heard them on 13 Reasons Why.
7 PM. Show will be all ages. $5-10 donations will be taken at the door.
Please no drugs/fights/booze/people who dont wanna donate to touring bands.
Any questions: firstname.lastname@example.com
Esoteric Collective and Black Hills Vinyl present


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Sunday, March 22, 2009
Because I care
I always used to hate the song "Free Fallin" because it upset me that someone would, in theory, okay with treating the girl in the first verse that way. However, after meeting people like that, I have to say I don't feel sorry for the girl with the broken heart, but the singer.
It's such a sad thing when people hurt others and disconnect themselves and are so selfish that they don't even care when they crush others. Sad day. Just a thought.
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Nicole Jeannette
Sunday, March 22, 2009
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When someone asks you that age-old question, "If you were stranded on a deserted island and could only eat one food for the rest of your life, what would it be?" do you have an answer ready, or do you have to think about it? I can answer before they're finished asking: chocolate chip cookie dough. I'm even flexible about the chips. They could be nuts or chips of almost any flavor. It's the dough I'm after. That's why any time I see a recipe that's titled "blah, blah, whatever Cookie Dough" it gets my attention.
That happened to me recently on a blog called Chocolate-Covered Katie. She is vegan herself and shares many sugar-free and gluten-free recipes. I'm not vegan and don't follow an anything-free diet, but she has tons of recipes that I'd love to try. I started with Healthy Cookie Dough.
Let me just say, I was EXTREMELY skeptical of this recipe. But, I happened to have all the necessary ingredients and I was intrigued. The secret is chickpeas, or garbanzo beans as they're known in my pantry. They're the same beans used to make hummus, which I love, but the smell of those beans when I opened the can told me this was going to be a giant fail.
I was floored. The end product didn't taste like beans or hummus or anything it shouldn't. It tasted like cookie dough and was delicious. I attacked each of my family members with a spoonful and made them tell me how tasty it was before I told them what was in it.
I ate this first with graham crackers, but found that to be a little too sweet. After much, um, experimenting, I found pretzels to be the perfect dipper. This recipe is definitely a keeper.
The one I'd like to try next…Chocolate Frosting Shots!


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I need the quad ring seal for a Morse hydraulic steering helm. 1988, helm # D306900, it fits the shaft under the steering wheel.
Parts for Morse Hydraulic Helms are no longer available.
I have just replaced an optimax 150hp for a 150hp Suzuki four stroke but cannot fit the previous hydraulic steering due to the screws not lining up. does anyone have any solutions.
Any help greatly appreciated.
If the old cylinder is from Teleflex they night have a bracket they can supply you.


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Hey, so remember how we took that looooong break a couple months back? Well, contrary to Internet rumor, it wasn't just because we went off our meds. (That was just me.) The main reason it happened was because my partner Andy got himself a fancy-pants new job as the music editor for LA Weekly. They still come out once a week in newsprint form, which seems kinda last century to me, but everyone I talk to assures me it's still a pretty big deal. So yeah, you should all congratulate him and shit.
Anyway, this means Andy now gets to sneak some weird content onto the LA Weekly website from time to time. He was freelancing for them before, so he's already gotten some weirdness on there, but now that he's a shot caller it may become a regular thing. Our devious scheme to spread weird music to the masses is coming to fruition!
So here's the first weird train pulling out of the LA Weekly station on Andy's watch: a recap of 10 of our favorite weird videos from the past year. Yeah, Andy threw "Turn Down for What" in there, but the rest of it's pretty out there for a website that still puts itself into newsprint form once a week.
Andy's still trying to impress his bosses, so be sure to check out the full list on LAWeekly.com so they gets lots of page views and shit. Maybe you could even leave a comment or tweet it or post a selfie of you jerking off to it on Snapchat or whatever you damn kids do these days. Basically, just spread the word, K?


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Above: MAFFS 6 being prepared for activation in California. In the foreground is an air compressor used to fill the compressed air tanks on MAFFS aircraft. Photo credit: 146 Airlift Wing.
(Originally published at 7:29 p.m. MDT July 10, 2017)
California has activated two National Guard C-130 aircraft to assist with combating wildfires in the state. The Modular Airborne FireFighting Systems (MAFFS) that convert a military aircraft into an air tanker can be installed in a C-130 in a matter of hours. The units hold up to 3,000 gallons of water or retardant that is forced out of the tanks by compressed air. The two C-130's are with the 146 Airlift Wing at Channel Islands in Southern California.
The MAFFS program consists of eight units located at four military bases in the western United States — Channel Islands, Cheyenne, Colorado Springs, and Reno. Each base has two of systems except for the new kid on the block, Reno — one of their two MAFFS is being used by a C-130 that is in the process of being transferred from the Coast Guard to the U.S. Forest Service.
The concept behind the MAFFS is to have surge capacity. The units can be activated when ongoing wildfires reduce the ability of the 20 large air tankers on federal exclusive use contracts to respond to new initial attack and extended attack fires.
Governors in the four states have the authority to activate their one or two National Guard MAFFS as needed. The National Interagency Fire Center can also activate them.
In the video below MAFFS 6 is being tested after it was installed in the C-130 at Channel Islands. Normally they drop fire retardant, rather than water.
@146AirliftWing troops activated thru @Cal_OES and @CALFIRE worked thru the night to ready #MAFFS C130s to fly. pic.twitter.com/5dCv9nUooM
— 146thAirliftWing (@146AirliftWing) July 10, 2017


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To celebrate my birthday, I'm giving away two Kindle copies of my bestselling novel, True Love Way!
If you would like to enter to win a copy, please leave a comment answering the following question: If you could spend your birthday with any chick lit heroine, who would it be and why?
Be sure to include your email address or Twitter/Facebook information so that I can get in touch if you win. The winners will be chosen at random tonight at midnight, so enter now!


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SEction 503B Regulatory Compliance
Vigilare's Solution Drives Regulatory Compliance for the Compounding Pharmacy Industry
In response to the Drug Quality and Security Act (Compounding Quality Act) enacted November 2013, Vigilare has developed a cost effective Adverse Events Reporting solution specifically for Compounding Pharmacies registered as an Outsourcing Facility under section 503B of the Food Drug and Compounding Act.
Vigilare Addresses the Specific Regulatory Requirements
Develop and Implement written procedures for:
- Surveillance
- Receipt
- Evaluation
- Reporting
Report all serious, unexpected adverse drug events:
- Associated with the use of compounded prescription drug product
- "Alert Report" must be sent to FDA within 15 working days
- All events reported to FDA must be fully investigated
- Follow-up Reports must be reported to FDA with any new information
- All submissions to FDA must be made using approved electronic gateway
All Records including source documents must be maintained:
- In a retrievable format - Accessible to FDA for audits
- Retained for 10 years
Vigilare Services Advantages
- Worry free compliance with regulatory requirements
- Developed by leading drug safety experts
- Full set of Applicable SOPs
- Rapid implementation of validated systems to meet regulatory requirements
- Provides continuing resources to maintain compliance
- Cost effective solution to meet regulatory obligations
- On-going costs billed on a monthly activity based model
Full implementation of the Vigilare Solution will deliver Compound Pharmacy compliance with all aspects of Adverse Event reporting regulation and Inspection Readiness for FDA audits.
Contact us for further information firstname.lastname@example.com
See text of Drug Quality and Security Act (also cited as Compounding Quality Act) on the FDA website.
Adverse Event Reporting for Outsourcing Facilities Under Section 503B of the Federal Food, Drug and Cosmetic Act on the FDA website.
See 21 CFR 310.305 for reporting content and format requirements under the DQSA on the FDA website.


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The amount of stress and pressure on the kids today to "succeed" is tremendous, this is causing more depression and suicidal feelings. The needs of the students are not being met and the numbers needing help are increasing. Self harm cutting and depression is increasing in teens and young adults. what can help depressionApril 2, 2013 - 1:18pm
Teen suicide is even more complicated than previously thought. According to a new study in JAMA Psychiatry, simply providing adolescents some mental health treatment is not an effective form of suicide prevention.
The study explored the prevalence of suicide, and the prevalence and treatment of suicidal behaviors including ideation, plans and attempts.
The study found that a majority of suicidal teens did receive at least some type of mental health treatment, and often the treatment started before suicidal behaviors began. However, despite early treatment, the suicidal behaviors still happened.
These results showed the need for major changes in treatments for suicidal teens and prevention efforts, since current treatments and prevention efforts are not always effective in helping suicidal teens.
Study conclusions suggested that instead of providing general mental health treatment for suicidal behaviors and general suicide prevention efforts, both aspects need to be more specialized.
Researchers behind the study proposed that suicidal behaviors are somewhat common for U.S teens, and many of these teens have preexisting mental disorders.
However, the type of mental disorder that suicidal teens have seems to be associated with the type of suicidal behavior they experience (ideation, plans or unplanned/planned attempts).
Because of the different mental disorders being paired up with different types of suicidal behaviors, more specified treatment and prevention efforts are needed.
Experts shared their opinions on what can be done to make teen suicide prevention efforts and treatment more effective.
Carl Grody, a licensed independent social worker, said in an email that although the study at first may appear to suggest that mental health treatments are ineffective for suicidal teens, there are a lot of complex factors to consider.
Regardless, he does agree improvements need to be made in treatment, prevention and generally in how suicidal teens are dealt with.
"We need to include families in the treatment," Grody said.
Add a Comment3 Comments
Suicide, even attempted suicide, always leaves a wide path of destruction in its aftermath. Articles like this one help keep this social issue at the front of social awareness. I appreciate your efforts in this direction. I recently read an article that provided a lot of useful information: http://www.psychalive.org/2010/04/teen-suicide-prevention/February 12, 2013 - 8:22pm
Excellent Article! Reminded me of another article I read not too long ago. You should take a look.


text: Shop for the Simpson R2 200-Foot (3/8") 8000 PSI Wrapped Rubber Replacement / Extension Hose w/ Quick Connects (Hot / Cold Water) at Pressure Washers Direct. Research pressure washer hoses online. Find pressure washer hoses & 8000psi power washer hose 1186 features and specifications. Get the best deal; compare prices now. Buy the direct and save.


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After spending two months in Southeast Asia, Adam and I were ready for a change! So we hopped on a plane and headed to Hong Kong with little planned but to spend time with some of our friends who recently moved there from Sydney. Lauren and Martin were excellent hosts showing us everything from the food scene (ahem suckling pig and all) to the bar scene and an adventure into nature. From the very start, Hong Kong surprised me with its surreal beauty while riding the bus onto Hong Kong Island from the airport. I was transported into a scifi movie where it seemed that immensely tall buildings and modern bridges had been greenscreened into a landscape of luscious mountains and blue ocean. Among the hubbub of this massively dense city, I was pleasantly surprised by the livability of it actually, and also constantly entertained by how much taller Adam was than everyone else. Our 150 sf (14 sm) AirBnB apartment added to the amusement of the size issue, especially when we discovered that our bed was just twin-sized (i.e., the American term for a single kid-sized bed).
One night we were sitting at a traditional diner with Lauren and Martin, and we had been chatting amongst ourselves about the fish in the tanks and the little pigs on display just waiting to be eaten. There was one fish in particular that was gigantic, and we had all been jokingly wondering how much it costs to have them prepare a fish that big. Lauren was keen to practice her Mandarin, which I was quite impressed with by the way, so she went ahead and asked the waitress. We quickly learned through Lauren's translation that that particular fish was for the "fengshui" of the restaurant, which meant that we had basically asked them how much it would cost to cook their dog.


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Talk About Local
Saturday, April 2, 2011 from 11:30 AM to 5:00 PM (BST)
Event Details
#TAL11 is here and this time it goes international!
For #TAL11 we are heading off to Wales and the University of Glamorgan.
We are partnering with our friends at The Guardian again for this years event and will have more news on supporters & sponsors shortly.
More details on the venue here http://cci.glam.ac.uk/visitatrium/
Please note we are starting #TAL11 a little later this year as public transport to Cardiff is slightly more difficult. Keep an eye on http://talkaboutlocal.org and @talkaboutlocal on Twitter for regular updates.
****Important Note****
We have booked the food for the event so if you are booking after 1200 on Wednesday 30 April and you have any special dietary requirements outside of vegetarian options you will need to supply your own food.
Sorry but we had to confirm our requirements with the venue.
When & Where
The ATRium
Cardiff School of Creative & Cultural Industries
Adam Street
CF24 2FN Cardiff
United Kingdom
Saturday, April 2, 2011 from 11:30 AM to 5:00 PM (BST)
Add to my calendar
Talk About Local
Making hyperlocal magic happen since 2009


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Nov 26th
Happy Thanksgiving!
We're so thankful for all of our incredible donors and supporters! We're also continually blown away by the courage of the kids and teens battling cancer every day, and thankful to be able to help them. We wish you and your loved ones a very Happy Thanksgiving!


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ACT V Rescue & Rehabilitation was created when 4 friends banded together with a singular passion - to do what we can to eradicate animal suffering in our neighborhoods.
Each of us has a lifetime dedication to animal welfare and rescue.
Vicki Schulz, DVM
Vicki graduated from the Veterinary College at the University of Minnesota in 1988, and was known by her professors and classmates as "the one who rescues animals." She started on her own, as the situation called for, rescue of strays and barn kittens. This passion has grown over the last 31 years into a steady stream of dogs, cats, birds and rodents taken in by Vicki and placed in forever homes.
Many of the animals have had medical needs that she has paid for and/or rendered services for prior to placement. Because of her profession, her focus has always been the physical and mental rehabilitation of these animals and the education of the new caregivers. She has spoken at schools and bird clubs on the importance of proper care of their companion animals. Most recently, Vicki has focused on the rescue of mistreated and homeless dogs and cats on the Native American Reservation in Keshena, Wisconsin. Vicki participates in large scale spay and neuter clinics and door-to-door vaccination clinics in conjunction with the rescue group Keshena Animal Help and Rescue. In addition to forming relationships with the local residents, she delivers needed medical supplies, food and provides health education and information to those in need in these areas.
Tara Post, CVT, CPDT-KA
Tara is a Certified Veterinary Technician and Certified Dog Trainer. In her current position at her clinic, she is the go-to resource for training andbehavior knowledge for the doctors, staff and clients. Tara teaches obedience classes with one of the Twin Cities most respected training professionals. Additionally, Tara volunteers at local humane societies and, over the years, has fostered and placed many animals. Her passion is to rehabilitate unwanted or unhealthy dogs so they are suitable for adoption. She uses only positive reinforcement techniques to achieve her training goals. Since most dogs she deals with are either physically or mentally neglected, positive techniques help her build a relationship with the dog. This newly formed foundation for communication helps a dog become more confident and predictable therefore a better companion for its adoptive parents.
Carolyn Allen, RN, CTC
Carolyn holds a Bachelors of Science in Nursing and has over 25 years experience in healthcare. She has worked as a registered nurse for large teaching institutions in the District of Columbia, and currently in Minneapolis. She also graduated from The Academy for Dog Trainers and has her Certificate in Training and Counseling.
Carolyn's animal-welfare interests date back to childhood when she rescued her first dog, a boxer named Penelope, from a neglectful neighbor (she was in sixth grade). Her interest is changing human behavior towards the care of their pets, and helping them live in harmony together.
Alisa Laramy, CTC
Alisa holds a Bachelors of Business Administration and has over 10 years of experience in providing strategic marketing leadership for major corporations in the US. Recently she left corporate work to pursue her passion in animal welfare. She also graduated from The Academy for Dog Trainers and received her Certificate in Training and Counseling.
Over the last 12 years, her interest in animals with behavioral challenges due to neglect was reinforced by her personal experience with rehabilitating her own rescue dogs. In addition to acting as director of ACT V Rescue & Rehabilitation, Alisa is a customer care coordinator for a local veterinary clinic.


text: The Friends of the South End Library are resuming their author's series, The South End Writes, with a reading tomorrow night by author Lily King from her most recent novel, Father of the Rain. Lily King, not a South End resident but with many friends in the neighborhood, grew up in Manchester, MA, and has taught English and Creative Writing at universities here and abroad. Her first novel, The Pleasing Hour, won the Barnes and Noble Discover Award and was a NY Times Notable Book. Her second, The English Teacher, won the Maine Fiction AwardWater Obstacle. Copies of King's novels are available at the SE branch, thanks to head librarian, Anne Smart. The reading starts at 6:30 PM at the South End Library. Refreshments will be available.


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The Woolly Mammoth spent much of the spring semester in the Fine Arts and Architecture Library on the top floor of the new School of Architecture and Planning at the University of New Mexico writing papers. He knew I would get a kick from the the quiet study rooms, each with a different Herman Miller chair. I liked how the entrance to Pearl Hall provided a impromptu amphitheatre for sidewalk performers, and how the building offered many display spaces for student designs.
While the UNM architecture library seems stream-lined and air-filled, the cozy new architecture library at Miami University in Oxford, Ohio, invites hunkering down with books. The lighting fixtures and shelving of the Wertz Art & Architecture Library in Alumni Hall are reminiscent of my grandma's old Carnegie Library in Pierce. Perhaps that is because the domed Alumni Hall was constructed in 1910 as the university library with the assistance of Andrew Carnegie and alumni funds. Alumni Hall was renovated in 1997, but I believe the Wertz Library addition is more recent. The comfy feel doesn't sacrifice any up-to-date technology or services for library users.
Again at Miami, I enjoyed displayed projects by architecture students, such as this hanging over a connecting walkway. Both architecture libraries featured exposed building materials and fixtures with successful study spaces, although the results were very different.
Miami University's main King Library has an inviting computer area open for use by campus visitors. This was a big plus, as I had an op-ed column to write during my trip. This is a link to some nice photos of King Library:
I'm not sure my son and his fiance considered the downtown Cincinnati Public Library a must-see on our walking tour before the Reds game, but I was intrigued to explore. The library was being heavily used late on a Saturday afternoon. Two buildings are connected by a walkway over a street. Each building has a pleasant reading garden, something I'd never seen before. Wilbur the Pig welcomes readers to the Children's Garden, a great place for library programs or individual reading.
Four vacation libraries bring my total to fifty-eight.© 2009 Nancy L. Ruder


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On Reading...
When I was a teenager (way back in the 70's), I liked to read, though I would never have admitted that to any of my friends. It just wasn't cool to say that I couldn't go out because I was reading a good book and wanted to finish. But sometimes it was true! I read many of the classic teen series and romance novels. As I got older and my tastes changed, I ventured into new genres. I particularly liked "near future" Science Fiction, and Historical Fiction. I still do!
Years later when my 3 sons came along, their father and I read to them every day. I was more focused on educational books, but I also read them tons of poetry. Shel Silverstein was their favorite, but I also included the classic poets in our daily sessions. Their father read them The Hobbit and Harry Potter series, which they remember fondly and even brag about.
My sons are all adults now, and 2 out of 3 are avid Fiction readers, and the 3rd focuses on reading relative to his career. I have a 3-year-old granddaughter too, and her parents are reading to her daily.
Reading improves your language and vocabulary skills. It also helps to form perceptions of the world as it relates to the subject matter.
It's never too late to enjoy a good book, and to share your reading experience with those around you.
One more thought…consider listening to books. It's easy to train your brain to listen to a book and do some other menial task, such as housekeeping, or walking.
Happy Reading!!


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The DOJ who lets terrorists in to the country from time-to-time and won't give over the Fast and Furious records, is spending countless hours going after states that are trying to protect the vote.
Their latest assault on freedom is to attack Romney donors with the full force of the U.S. government.
The DOJ, which is supposed to be free of political affiliations, is an arm of the Obama campaign. They are going after high profile donor, Sheldon Adelson who has pledged $100 million to Republican's campaigns, including Romney's.
The DOJ is accusing Adelson of failure to report millions of "potentially laundered money transferred to its casinos by two high-rolling Las Vegas gamblers," according to the Wall Street Journal.
The U.S. attorney's office in Los Angeles is investigating deposits made in the mid-2000s by a Mexican pharmaceutical businessman, later indicted for drug trafficking in 2007, and a California executive with Fry's Electronics, who later pleaded guilty to taking illegal kickbacks, the newspaper said, citing lawyers and federal officials working on the case.
There are NO indications that actions by Adelson, Sands' Chief Executive were included in the investigation. Huh???
The DOJ said they are concerned that the industry's lax financial system could be used for money laundering.
Could be being the operative words here. Sounds like a Harry Reid accusation, lots of noise, no substance. They are fishing.
The company has denied any wrongdoing.
Their evidence concerns a Chinese-born Mexican businessman, Ye Gon, who owed $125 million to Vegas casinos. He transferred some $85 million in payments using Mexican exchange houses, which the casinos were somehow supposed to know indicated wrongdoing.
In 2007, Ye Gon was indicted on drug charges, which were dismissed.
Another high roller transferred $100 million to Vegas. He is serving a six year sentence for accepting illegal kickbacks.[LA Times]
The nasty Attack Watch campaign was in high gear after this announcement was made and the Democratic Congressional Campaign Committee said that Adelson was linked to money coming from "Chinese prostitution" and it had been contributed to Republican congressional candidates.
The DCCC went to the Harry Reid School of Gossip and Wild Accusations.
They had to apologize for that one.
"In press statements issued on June 29 and July 2, 2012, the DCCC made unsubstantiated allegations that attacked Sheldon Adelson, a supporter of the opposing party," the Democratic committee said in a statement. "This was wrong. The statements were untrue and unfair, and we retract them."
You can't believe a thing they say.


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Choosing the Right Shrink Wrap
November 26, 2018 | Packaging | No Comments
The type, size, and gauge of shrink wrap that you use will determine the overall cost of packaging that you will incur. This is an obvious observation that anyone running a business will have in mind. However, the vast majority of companies that use shrink film for packaging tend to use thicker gauges to package their products in a bid to compensate for using less efficient packaging machines and or having less experienced technicians do the packaging. As such, they use capabilities they do not require, which end up increasing the cost of packaging, and ultimately, the cost of running their business.
Luckily, there is a better way to go about it. By choosing the right gauge and the right type of shrink wrap for your packaging needs, you reduce the cost of packaging, ultimately reducing the cost of doing business. Herein we will explore how to go about choosing the best shrink wrap material for your specific needs. The goal of this read is to help you choose the right material, while also satisfying your packaging needs with compromise.
Determining The Shrink Film Best For Your Application
There is a wide variety of shrink films on the market. These include:
#1. PVC Shrink Film
PVC is a typically a material with glossy, crystal clear, with high clarity. The material can come in tubular form or centrefold form. Typically, this material is best used for air-tight packaging where preservation of scent is important. This material is perfect for packaging uniform object such as soaps, boxes, CD cases, etc.
However, it is important to note when heat is applied to this material during heat treatment, the material becomes brittle. As such, the material is not the best to use when packaging heavy and or pointy objects.
#2. Polyolefin Shrink Film
This material is a slightly better than PVC shrink wrap in almost every way. For starters, polyolefin is typically approved by the FDA for direct food contact. As such, you can package edible products using this material. Furthermore, the material is very strong and has exceptional puncture-resistant properties. As such, it is the perfect material to package irregular materials that are heavy and or have point edges and corners. Moreover, the make-up of the material makes it the best option when you have to print custom labels on.
The other material used is the polyethylene Shrink film. It is used in heavy industry and it is thermostatic printable material on offer.
That being said, you should note that it does allow scent to pass through. As such, it is not very effective in helping products retain their original levels of scent.
Determining The Thickness (Gauge) Of Shrink Wrap Appropriate For Your Application
After determining whether to use a PVC or Polyolefin shrink film, the next bit is to determine the thickness of the film that will suffice for your application.
Shrink film thickness is usually measured in Mil, with 1 Mil being one-thousandth of an inch. However, most polyethylene sheets are measured by gauge, with one gauge being one-hundredth of an inch. As such, 1 gauge equals one-hundredth of a Mil.
When it comes to PVC, the common gauge is the 75 gauge and the 100 gauge. That being said, figuring out which gauge to use in the case you use PVC is quite easy as it is not usually used to package irregularly shaped items.
As for the polyolefin, the thinnest material you can get is the 50 gauge. This is usually used to package very light food items. However, owing to the thinness, it is commonly used. The next gauge is the 60 gauge polyolefin shrink wrap, which is used to pack food items such as small cookies, confectioneries, stationery items, and other products.
The next polyolefin gauge is 75, which is best used for items with a weight just below 30 to 35 pounds. Anything beyond the 35-pound mark is best packed using the 100 gauge polyolefin shrink wrap.
Polyethylene shrink film comes in thickness weights range of 4 to 12 mil. The thicker the polyethylene shrink film, the larger and the heavier the item is can package.
With the above considerations in mind, it is still important that you make use of a combination of the best machines possible and the well-trained technicians. The shrink wrapping process will determine the integrity of the package. Therefore, if you intend to use the appropriate thickness, you should ensure that the packaging process is done right.


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Meet Petra Anderson! Be sure to check out her blog at Sew Paint Create! creativemompdx on twitter & instagram, and Creative Mom2010 on flickr!
I think it's a tie between my Untitled linen quilt I made for the 2011 Sisters show and my scrappy + & X quilt which was so much work but totally worth it!
PMQG: How long have you been making quilts? What was your learning process like?
Petra: I technically made my first quilt for my son so 11 years ago but I really started quilting in 2009. I grew up sewing with my Mom and had a business making knitting needle holders for awhile so I had basic skills but I really didn't have any idea what I was getting into.
What inspires your designs/quilting?
I am usually inspired by the recipient of a quilt and go from there with fabric choices and designs.
How many quilts do you think you've made in your life?
Hmmm lets see you know I used to keep track but have no idea now. I don't think it's a huge number but I'm not ready to scour my blog to figure it out.
Why do you quilt? What do you enjoy most about it?
I have a background in fine arts and was always trying to figure out how to get back to painting and drawing. When I started quilting all of that creative energy and obsession came flooding back and I realized I didn't need to paint right now because quilting makes me so happy. I really enjoy the whole process from design to quilting, binding not so much.
What is your favorite quilt that you've made?
|Untitled Linen Quilt
|Scrappy + & X Quilt
Fill in the blank: "When I'm quilting, I feel _______"
While you're quilting, what is the environment like? do you listen to music? enjoy the humming of the machine? watch re-runs of Downton Abbey?


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NEWS| Meet the Fashion Scout Blog Team Photographers
For the past few days, our bloggers have been busy capturing all the action both backstage and around the catwalk. From street style to front row, backstage to interviews, the LumixGM1 has been the perfect addition to our team this season. We chatted to this season's photographers to get their thoughts on the camera.
"It's lightweight and easy to use and it's really helpful to be able to view pictures you've just taken."
Aimee Hall, Street Style
"It's small, compact. quick and easy to set up. I love how it's light and easy to carry."
Hannah McGee, Photographer
"The touchscreen makes focus really simple."
Jamike-Latif, Photographer
"I love the size, you can go anywhere and take it with you."
Oli Savage, Photographer
"It's very comfortable, I like using the manual mode to change the exposure and it makes a clean noise when taking pictures."
Oscar Scar, Photographer
Photos taken on the fashion forward LumixGM1 (@PanasonicUK)


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Sauvignon Blanc
Heads up! Hay Maker - Sauvignon Blanc may not be available near you. Follow Hay Maker - Sauvignon Blanc to get notified when it's available nearby, try searching in a different area, or discover something similar.
Sauvignon Blanc2014
Pale yellow with delicate hints of green. Lifted aromas of citrus fruit, jalapeño, and tropical fruit. Crisp, clean, and complex. Pure fruit flavours combined with juicy acidity.
Sauvignon Blanc2013
Sauvignon Blanc2013
Matanzas CreekSonoma County, CA


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Crest Tax Group specializes in providing affordable solutions to businesses and individuals alike that owe back taxes or find themselves in trouble with the IRS or State Taxing Authorities.
Our experienced staff of Tax Attorneys, Enrolled Agents, and CPAs will negotiate with the IRS/State on your behalf, allowing you to continue on with your life. Generally, you will not have to visit or speak with an IRS/State agent.
In the unlikely event that the IRS/State turns down your request for an IRS/State resolution program, we will help with your appeal, should you decide to do so, for FREE. Our work is not complete until you get the tax service you deserve from the IRS/State. We are here to see your IRS/State tax troubles get resolved on the very first try and we are committed to helping you in every way we can.
We offer the following services:
How can a IRS Penalty Abatement help? When the IRS assesses tax debt penalties, those penalties are added automatically to the taxpayer's account by the IRS computer system. Because of this, penalties are frequently added to a taxpayer's debt without taking his or her individual circumstances into account. And as you may have already discovered, IRS Tax Penalties can turn a fairly manageable debt into an overwhelming burden pretty much overnight.
A proper Penalty Abatement requires very specific wording and a solid understanding of the relevant IRS Code and Procedure. Even if you had a good reason for not paying your taxes on time, it is often extremely difficult to get these penalties removed without professional help.
In 2012, the IRS issued over $26,864,993,000.00 (that's 26.9 Billion Dollars) in penalties!
- Requesting a Penalty Abatement requires that you have a good reason. What qualifies as a good reason?
- It depends on the circumstances involved with your particular situation.
- The procedures for deciding who qualifies for a Penalty Abatement and for what reason seem to differ in each case.
- The best thing you can do is to request that the IRS abate your penalties by providing the circumstances surrounding your situation.
How Crest Tax Group Can Help
When a taxpayer decides to use the Crest Tax Group and they qualify for a Penalty Abatement, our goal is to help them get all of the penalties (and possibly some of the associated interest) either removed from the tax debt or refunded by the IRS. In order to do this, we show the IRS in writing that the taxpayer had "reasonable cause" for not paying the taxes and that he/she has shown "due diligence" and "no neglect" in attempts to repay the debt. We do this in the IRS's own language and apply the relevant sections of the IRS code directly to the client's circumstances, which then requires the IRS agent who reviews the case to drop or refund the penalties.
How can an IRS/State payment plan help? If you are unable to pay your entire tax bill when it is due, IRS/State Installment Agreements or IRS/State payment plans can help you pay off your tax debt over a period of time in the form of an installment loan agreement. Typically, IRS/State Installment Agreements take five years or less to complete. The monthly payments are based on how much you owe and how much you can afford to pay each month. The IRS/State may grant extensions to your installment loan agreement under certain conditions.
An Installment Loan Agreement (payment plan) with the IRS/State is a great solution for taxpayers who can afford to fully pay their tax debts if allowed to spread out the payments over several years. It is an alternative if you do not qualify for an Offer in Compromise. The IRS/State charges interest and an application fee when they accept tax payment by way of IRS/State payment plans, but these plans can help you resolve your inability to fully pay your taxes in one payment.
In order to qualify for a payment plan with the IRS/State you must comply with the following rules and provide the IRS/State with this information:
- You must have filed all tax returns (It's O.K. to owe money but you must file).
- You will need to disclose all assets owned including all cash and bank accounts.
- You must not have adequate cash available in a checking, savings, money market, or brokerage account to pay the IRS/State.
- You must not have the capacity to borrow the amount owed to the IRS/State from other sources (i.e., a second mortgage on your home).
- You must not have adequate equity in a retirement account from which you can borrow or liquidate (i.e. an IRA or 401-K account).
The total dollar amount you owe usually dictates with whom the negotiations will be handled.
- Typically, IRS Revenue Officers are not involved in cases where the amounts owed are less than $25,000.
- The IRS/State will ask you to complete a personal financial statement and if a business is involved, you will also need a business financial statement.
- The IRS/State has determined allowable monthly expenses for individuals, which will be matched against your actual monthly expenses.
- The difference between your monthly income and your allowable monthly expenses will be the amount that the IRS/State will require you to pay on a monthly basis.
The Offer in Compromise, or also known as OIC, is a program that allows a taxpayer to settle their delinquent taxes for LESS than the total amount the IRS claims they owe.
The Offer in Compromise is arguably the most widely used of all tax resolution programs. In addition, new tax laws have given fresh hope to those who previously did not qualify for an OIC under previous legislation.
Our staff at Crest Tax Group has the skills and experience to determine whether an Offer in Compromise is the program for you. Retaining our tax professionals guarantees you peace of mind. You can rest assured:
- Settle your tax bill for LESS than the IRS claims you owe! We know all updated OIC administrative procedures and tax laws.
- We have considerable weapons including Special Circumstance Cases and Appeals.
- We know that a prepared and calculated approach is the only way to maintain our excellent track record of consistent OIC acceptance.
- If you qualify for the Offer in Compromise program, you can save thousands of dollars in taxes, penalties and interest. Taxpayers can negotiate settlements on all types of taxes including most payroll taxes, penalties and interest.
- The OIC program provides taxpayers who owe the IRS more than they could ever afford to pay, the opportunity to pay a smaller amount as a full and final payment.
- A Doubt as to Collectability (DATC) Offer in Compromise is negotiated on the basis of a taxpayer's inability to pay and takes into account the taxpayer's current financial position including the taxpayer's equity in assets.
- The OIC program also allows taxpayers that do not agree that they owe the tax or feel that the tax has been incorrectly calculated, an opportunity to file an Offer in Compromise-Doubt as to Liability (DATL) and have their tax liabilities reconsidered.
The Collection Statute Expiration Date (CSED), commonly referred to as Expiration of Statutes, for IRS taxes is, in most cases, 10 years. Once this Statute period has run, any remaining tax debt is forgiven. The statutory period begins on the date the tax debt is assessed which is usually shortly after a taxpayer's returns are filed. If a taxpayer never filed their returns the Collection Statute would begin on the date that the IRS creates a Substitute for Return (SFR) for the taxpayer.
In some cases a taxpayer's debt may not expire exactly 10 years from the date of IRS assessment. There are a number of ways that the IRS Collection Statute can be extended. For example, filing a Bankruptcy or Offer in Compromise will usually extend the amount of time the IRS has to collect a tax debt. Leaving the United States for a period of time or other factors can also extend this Statute of Limitations as well. A tax debt which is assessed as a result of a citizen being convicted of tax fraud will never expire.
When working to resolve an IRS tax debt, the age of the debt and CSED date are very important factors to consider when coming up with a plan of action. If the debt is close to expiring, it is very important that both the taxpayer and any tax professional they are working with are careful not to take any action which will extend the IRS statute further into the future.
If you have a tax liability that you would like to resolve and/or if you have questions about the IRS Expiration of Statues (CSED) please contact us immediately!
A taxpayer is eligible for Currently Non Collectible (CNC) status when the IRS/State recognizes when a taxpayer's gross monthly income is lower than her allowable expenses under the National Standards.
The IRS/State recognizes that you cannot afford to currently pay your tax debt, will delay the collection of your taxes, and your account will not be subject to adverse collection activities, such as bank or wage levies.
While you are in Currently Non Collectible (CNC) status the IRS Expiration of Statues (CSED) will continue to run for the taxes you owe.
What is Innocent Spouse Relief? Both spouses are usually liable for taxes owed to the IRS on a joint tax return but one spouse may be able to avoid tax liability to the IRS through the application of what has come to be known as the "Innocent Spouse Doctrine." Under this tax doctrine, a spouse may be excused from tax liability to the IRS for tax and/or tax penalties.
The 1998 tax law broadened the definition of "Innocent Spouse Relief" so that relief from IRS tax liability is now more available for those spouses who filed tax returns jointly, yet the circumstances demonstrate that it would be unfair for the IRS to hold both spouses equally responsible for the joint tax liability. In many of these tax cases, a spouse is relieved of responsibility to the IRS for tax, interest, and tax penalties on a joint tax return. This is called Innocent Spouse Relief.
Many married taxpayers choose to file a joint tax return with the IRS because of certain tax benefits this filing status allows. Both taxpayers are jointly and individually responsible to the IRS for the tax and any interest or tax penalties due on the joint tax return even if they later divorce. This is true even if a divorce decree states that a former spouse will be responsible to the IRS for any tax amounts due the IRS on previously filed joint tax returns. One spouse may be held responsible to the IRS for all the taxes due even if the other spouse earned all of the income.
How Crest Tax Group Can Help
The IRS has come up with guidelines for innocent spouse tax relief in order to help taxpayers that are being subjected to IRS problems because of their spouse's actions. In order to qualify, a taxpayer must prove they fit within these guidelines. If they are able to provide the IRS sufficient substantiating proof, they may qualify for innocent spouse tax relief and may not be liable for the taxes caused by their spouses or ex-spouses.
Criteria for possible qualification for Innocent Spouse Relief:
- You filed a joint tax return with the IRS which has a substantial understatement of the tax directly related to grossly erroneous unreported taxable income or the incorrect tax deductions, tax credits or tax basis of your spouse. Unreported taxable income is any gross taxable income item received by your spouse that is not reported on the tax return to the IRS. Incorrect tax deductions, tax credits or tax basis are any tax deductions, tax credits or tax basis of property claimed by your spouse on the tax return filed with the IRS for which there is no basis in fact or tax law.
- You establish that at the time you signed the joint tax return and filed it with the IRS you did not know, and had no reason to know, that there was a substantial understatement of income or tax.
- Taking into account all the facts and circumstances, it would be unfair for the IRS to hold you liable for the understatement of tax.
What is an IRS Tax Audit Appeal? When an IRS audit ends up in an audit recommendation you do not agree with, Crest Tax Group's Tax Attorneys and/or Enrolled Agents can represent you before the IRS Appeals Office. Appeals Officers are often more experienced than the Revenue Agents who handle IRS audits. The vast majority of disputed IRS tax audits are settled during the IRS appeals process. It is important to have someone who understands the procedure and has been there before. The IRS handles many appeals every year; you are only involved in one.
An aggressive and knowledgeable Tax Attorney and/or Enrolled Agent can make a huge difference in the settlement you will be offered during the IRS appeals process. Like the taxpayers themselves, the IRS does not want to litigate these issues because of the time, expense, and risk of an unfavorable outcome. When the IRS loses a case, it sets a precedent that could cost them for years. A powerful professional on your side gives the IRS the maximum opportunity to lose. To avoid such a loss, the Appeals Officers usually look to settle these matters outside the courtroom altogether.
The goal of the IRS Appeal Division is to "settle" disputes between the IRS and taxpayers.
- The most common IRS decision which is appealed is that of an IRS Audit where the IRS has increased the taxpayer's tax liability.
- Often this increase includes additional penalties and interest.
- The taxpayer must file an IRS Appeals request within a certain time frame and follow the IRS guidelines for an Appeal request to be valid.
What is the process of an IRS Collection Appeal? There are a number of ways to halt IRS collections activities, including negotiating with the collections manager that is handling the case or seeking collection due process or collection appeal process hearing. Both the collection due process and the collection appeal process hearings involve expedited conferences with the IRS Collection Appeals Office to review decisions on liens, levies, seizures, and rejection or termination of installment agreements.
The key difference between these two programs is that the IRS collection appeals program does not allow further appeal to a court from denial of the appeal; whereas, collection due process does. An experienced professional can help you determine if you qualify for these programs.
Should you file for Bankruptcy to avoid IRS/State problems? The IRS/State does not like to talk about the use of Bankruptcy to reduce tax liabilities, but the reality is that many IRS/State taxes, penalties and interest do qualify for complete discharge in Bankruptcy.
You must use caution when considering whether bankruptcy will eliminate IRS/State tax debt.
- Even when bankruptcy can help, most clients want to avoid bankruptcy if possible.
- While certain IRS/State tax debts are eliminated by bankruptcy, NOT all tax debts can be eliminated.
An Offer in Compromise is often a much better alternative than bankruptcy, and the OIC can erase ALL your tax debts-even when bankruptcy won't.
- In order for a taxpayer to benefit from the Bankruptcy laws and avoid paying income taxes, the taxpayer's income tax liabilities must qualify.
- Many taxpayers and bankruptcy attorneys file bankruptcy without understanding whether the taxpayer's income tax liabilities qualify for forgiveness. This often results in not discharging IRS/State income taxes that could have been discharged if the taxpayer had understood the bankruptcy laws.
- The most common types of taxes eligible for discharge in bankruptcy are old individual income taxes.
Taxes, which are not eligible for discharge in bankruptcy, are Civil Penalties for payroll taxes.


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Inspired by rural architecture and barns, the Bragg Hill house in Chester County, Pennsylvania is a sustainable, solar-powered home. Designed by Moger Mehrhof Architects, the large home features a slew of reclaimed wood, other earth-friendly materials and energy-efficient design strategies to reduce its impact. Bragg Hill House is built to last for many generations with durable, low-maintenance materials that celebrate the surrounding forest.
When Barney and Nancy Leonard decided to move out of Philadelphia to Chester County and build a new home, they knew the home would be super sustainable. They hired Matthew Moger of Moger Mehrhof Architects along with sustainability consultants Sustainable Solutions Corporation to create an integrated design solution and a beautiful home. Moger actually camped on the property with his daughter through a roaring storm to get a better sense of the land and how the home should be designed. The result is a modern and sustainable home inspired by the landscape and rural barn architecture, but built with local and natural materials in a way that should last for hundreds of years.
Related: Co+Labo's Tiny Pee-Powered Barn House Shelters Two People and Two Horses
Bragg Hill house is a large home designed for entertaining and lots of family and visitors with views of the landscape and a variety of ways to connect with the outdoors. Built with both passive and active solar design strategies, the home makes use of the sun's free energy and shades it appropriately to avoid over heating. A geothermal heat pump and radiant floor heating provide energy efficient warmth, while natural ventilation strategies help cool the interior. Much of the wood in the home is reclaimed and either comes from trees felled from the property or other nearby sources. Local stone was used in retaining walls and the massive chimney prominently featured on the side of the home. Daylighting plays a strong role in the home's interior and rainwater is harvested and stored in a cistern for use around the property. Finally, a photovoltaic system on the roof generates almost all the power needed to run the home.
Images ©Jeffrey Totaro
Related: Barndominium Green Live Work Space is a Modern Update to the Vernacular Barn


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cmbHack.js – 32-hour Battle for Javascript Gladiators
Good news for Javascript enthusiasts in Sri Lanka!
JavaScript Sri Lanka has come up with cmbHack.js, a 32-hour hackathon that brings the best out of coders, designers and entrepreneurs who have a passion to architect the internet with Javascript. It will be an intense 32-hour contest where the participants will be fine tuning concepts, testing out their code and masterminding elegant and user-friendly interfaces. In the end, the best of ideas that are executed immaculately will be judged winners and be crowned champions.
Date, Time and Place
April 05th 7.30 AM to 06th 6.00PM at Orion City.
32-hours is all you got!
cmbHack.js is open to both students and professional developers. Participants are expected to:
- Pitch your latest and greatest ideas to your fellow participants. You have 30 seconds to grab their attention, so be prepared.
- Meet, recruit and join like-minded Javascript geeks into making that idea a reality, right then and there.
- Hack away! Internet, meals and tech support will be provided. The best implementations will be judged and only the best will make it to the top.
Who is it for?
- Developers, students and anyone who has a knack to code.
- UX designers with great CSS / HTML skills.
- PHP, Python, Ruby developers with JS skills.
- Android and iOS gurus who believe in JavaScript on the Mobile.
What should I build?
The organizers are adamant to witness something fresh and something remarkable being accomplished at the end with the help of Javascript.
- A single page web application/mobile application built on JS or uses heavy JS
- A JS framework that can be used by JS/Web developers
- A JS-based mashup of other apps/APIs/tools/services
- A server side JS API/package for web developers
- Anything awesome that challenges JavaScript as a technology!
Why should I participate?
It will be a great opportunity for you to work with fellow Javascript enthusiasts who are passionate about coding just like you. You will also get a chance to pitch your ideas and work on great ideas of others.
Count me in! But what should I bring?
The organizers want you to bring the following, to make your life much easier during the hackathon.
- A laptop
- An internet dongle is recommended
- Pen and paper
- A toothbrush for overnight hacking
- Bring Rs. 500 for registration
Organizers reiterate the fact that Internet access, power, food and drinks are at your disposal!
Also organizers would love if the participants are aware of the rules and guidelines that are set to make this event fair and fun for all. So please focus on the following:
- Don't bring something that's already been built. You have to build something from scratch.
- JavaScript must be an integral part of the end solution.
- Stay within legal limits. Do not misuse the facilities that are provided to you.
So register now for cmbHack.js.
diGIT is extremely proud to be the Online Media Partner for this event. We will bring you the latest and breaking news around cmbHack.js. So stay tuned!