text:
Here's a non-traditional color Christmas Card. All images on this card are attached to a transparency sheet. The Pretty In Pink cardstock is inside the Transparency card and attached with the ribbon. I just embossed some scrap Whisper White with the Versamark Pad and Iridescent Ice EP then punched out the Snow Blossoms. I did the same with the tree. For the joy I just used some 2 way glue and Dazzling Diamonds Glitter. I also embossed the snowflake O in Joy with Detail White EP.
Pink & Blue Christmas Cards
Here's a non-traditional color Christmas Card. All images on this card are attached to a transparency sheet. The Pretty In Pink cardstock is inside the Transparency card and attached with the ribbon. I just embossed some scrap Whisper White with the Versamark Pad and Iridescent Ice EP then punched out the Snow Blossoms. I did the same with the tree. For the joy I just used some 2 way glue and Dazzling Diamonds Glitter. I also embossed the snowflake O in Joy with Detail White EP.
Catalog Tip
This is what I did with my catalog to help me find things better. I used the Round Tab Punch and labeled them with my P-Touch label maker. I also color coordinated the tabs with the colors in the catalog. Hope this helps you find what you are looking for a little easier. Happy Tuesday!
Happy Circles
This is a card I seriously cased from Carla at Moralia's Weblog. There's a few subtle differences. I didn't have the background paper Carla used so I made my own with Green Galore, Whisper White and Pretty In Pink Card Stock and the 1" and 1/2" circle punches. I also didn't add the flowers Carla made because I kinda' liked it with just the polk a dot ribbon and didn't want to take away from that. The "happy" stamp is from the Happy Everything set and is embossed with the White Craft pad and Detail White EP. I also didn't really sew all around the edge like Carla. I was too lazy to get out my sewing machine so I used the White Gel pen from Unibal and then punched tiny holes with my paper piercing tool that comes in the Crafter's Took Kit. Well, I loved Carla's version so I hope you like mine. Have a great day!
Halloween Treats
These are the special treats I made for my son's preschool class. Thank you to Korrin Lucca for showing me how to make these little pockets. I used the Creepy Crawly DSP and the Party Punch Hostess set with the Scallop and 1 3/8" Circle Punch and the Basic Black Classic Pad.
I got this idea from someone on the Splitcoaststampers site but cannot remember who it was. If this was you, please let me know because I would really like to give you credit for this. These are pixy sticks wrapped in the Round Tab punch and stamped in Basic Black Classic pad with the Party Punch Hostess Set and tied with our Black Gingham Ribbon. I used the Horizontal Slot punch for the ribbon hole. HAPPY HALLOWEEN!!
...and the WINNER is...
Linda Peterson
CONGRATULATIONS LINDA!! I have emailed you for your mailing address and will send your special treats out as soon as you reply!
"Linda said...
Congratulations. I look for ideas for cards, tutorials and links to every more ideas."
Thank you all for your wonderful comments. You have helped me to understand what you want to see from me. I will do my best to accomodate all of your requests. I really appreciate everyone taking the time to leave a comment. It meant a lot to me. Please keep them coming. It just makes my day when I open my account and see that someone has left me a special message. Thank you again! Lorraine
Celebrate Flowers
I made this for my Sister's engagement.
I used the Best Friend Alphabet Upper stamp set
Flowers For You Designer Paper
Pink Passion Classic Pad for sentiment and flower
Old Olive for flowers
Certainly Celery Ribbon
Pink Passion & Certainly Celery Card Stock
Pretties Kit
Looks Like Spring Punch for center of Pink Flower under brad in Pixie Pink Card Stock
Brads are Making Memories I think
Thanks for stopping by! Have a wonderful day! L
Acetate Potpourri Holder
Here's a little potpourri holder I made using just plain old transparencies from Office Max. The size is 8x8. Score around all sides at 2". Cut squares off of all corners. Punch and set eyelets, thread ribbon and you're done. I stamped with white Staz On using the Season of Joy stamp set. The ribbon is SU! Real Red grosgrain and the eyelets are also from SU! Thanks for checking in. Happy stampin'!
Faux Chipboard Coaster Box
Happy Birthday Cutie Pie
Well, I have 18 birthday cards to send out in October!! I think this is my busiest birthday month of the year. I have already sent out quite a few and this is the latest. I will be making 8 of these cards to send out to the rest of the birthday girls this month. I think it's a pretty and happy card, no pun intended but that was funny...LOL. I think the Cutie Pie Designer Series Paper is one of my favorites in our SU! catalog and I'm sure it shows. I use it all the time. I just love the colors and the flowers. I love that it matches our In Colors an some of our other colors as well. Can I tell you that I absolutely LOVE our satin ribbon in the Holiday Mini Collection catalog!!! This ribbon is so luxurious and rich and thick and so soft. I wish I had sheets made out of this ribbon. I want to use it on everything! I don't know why I waited so long to order it. I want to order rolls and rolls so I never run out. I'm hoping that SU! gives it to us in all the 48 colors in January's catalog!!! Or, maybe not since I would be broke buying all that ribbon. Anyway, I hope you like this card and if you get a chance to get this satin ribbon I would jump on it!! Remember, it's only available until the end of November so stock up if you can!! At only .66 cents a yard you can't beat it. I've seen satin ribbon selling for up to .95 cents a yard and it's not even as thick as this and you can't buy the whole spool, you can only get it by the yard. Our spools are 15 yards for only $9.95. You'll notice the difference as soon as you are holding it in your hand. The spool is so heavy compared to most other ribbon. Ok, I'm done "selling" you on this ribbon. I just really like it. Thank you for listening to me rant about my love affair with ribbon and for your continued friendships through my blog. I hope you are enjoying reading and looking at all my stuff as much as I am enjoying making it and sharing it with you. Have a great evening or day depending on where you are. L
SU! Group Meeting
Here are the cards we all made at our Stampin' Up! Meeting Monday night. Mine is the circle card on a earlier post so I didn't repeat it here. At this meeting we are working on a Technique Album. Each month we are to take a technique and design a make n take for the group to do.
This design was from Debbie Colbacchini-Bleaching Technique:
Soak a piece of felt or folded paper towel with bleach. Use as an ink pad and stamp on colored cardstock. Watch as the bleach removes color leaving a beautiful faded image.
This design is from Katja Pastor-Faux Diamond Dust Technique:
Stamp a piece of cardstock. Cover entire piece with a generous layer of Versamark ink. Cover with iridescent ice embossing powder. Remove excess and heat. This design was from Gina Cardera-Pulled Pastels Technique:
Rub Stampin' Pastels all over a dark piece of cardstock using a cotton ball. Ink a stamp with the Versamark pad and stamp onto the chalked cardstock. The stamp will "pull" off the chalk, leaving a negative image. This works best with a bold image. This card was also designed by Gina Cardera-Poppin' Pastels Technique:
Stamp image on cardstock with Versamark, white Craft or vanilla Craft ink. Rub cotton ball into pastels and then pounce over image to see the colors pop.
This was designed by Pat Zahn-Mirror Image Technique: Select a large shadow stamp such as the rectangle from Great Shapes. Ink the stamp you wish to mirror and stamp it onto the clean shape stamp. Stamp the shape stamp onto the cardstock for a backwards image. Re-ink the stamp and stamp it next to the backward image using a Stamp-a-ma-jig to line up the images exactly. This was designed by Ana Garcia-Wood Grain Technique:Cut a stampin' sponge into quarters. Ink the pointed edge with Vanilla Craft (pigment) Ink. Lightly brush in one direction along the cardstock. Repeat with Close to Cocoa Craft Ink. Mask sections or use markers to simulate boards/nails if desired. Try different colors of cardstock, ink. This was designed by Jennifer Wu-Soot Stamping Technique:Optional first step: Using the brayer, cover glossy cardstock with classic ink of any or assorted colors. Next, hold the cardstock against the flame of a lit candle, moving quickly, until it is covered with soot. Press stamps onto the soot to expose the white or colored cardstock image. Spray piece with acrylic sealer.This was designed by Lanette Ibarra-Marbles Technique:
Place several marbles in a plastic stamp case. Add a few drops of coordinating ink refills. Roll marbles. Attach cardstock with Hermafix transfer to the lid of the case. Close lid, flip and swirl.
Another Fingernail
Ok, here's another fingernail I did. It's not that cute but I wanted to see how words would look this time. I just used one of my personalized stamps which have the SU! copyright info on them. The technique is the same, stamp the image on tissue paper, cut it out really close to the image, paint a thin layer of polish on your nail, lay the tissue in the wet polish and then polish over it. I've already taken this one off cuz' my DH thinks I'm a little goofy. I just wanted to try it. Ok, I'm done. If I do any more cute images I'll let you all know. Thanks for checking in today. Have a good night! L
Scallop Sheep for ewe
Paper: Basic Black, Whisper White, Pretty in Pink
Ink: White Unibal Signo Pen, Basic Black Stamp n' Write Marker
Accessories: Scallop, 5 Petal Flower, Word Window, Large & Small Oval, Corner Rounder and 1/16" & 1/4" punches, Ribbon Originals Jersey, Black Brads, SNAIL
This is the Magazine version...This is my version...
Fingernail Fun
Well, I was just sitting at my stamp desk looking at my nails, thinking, I need to get my nails done. Then, (LIGHTBULB CLICKS ON) why not stamp on my nails? I always get a flower on my toes when I get them done. Hey, tissue paper works on candles, why not with fingernail polish??? Ok, I tried it. Not bad. I just stamped the little flower row from All in a Row with White Craft ink onto a piece of white tissue paper. Dried it with my heat tool, cut it out, applied the clear fingernail polish to my nail, laid the tissue paper on my nail, put a clear coat over it and WOW! Too cool! Ok, I'm a little bit excited but I'm sure it's not that great! Sorry for the over excitedness (is that a word? LOL). Let me know what you think!
Birthday Scallop Flower
This is a birthday card I made for a very good friend. It's a pretty simple card. I used the Scallop punch for the pink flower. Just punch and cut slits in at every scallop. There's black scallop under the pink one but it's not cut. I tied some embroidery floss to a black button and attached it with a glue dot. The ribbon is from the SU! Ribbon Originals Fairy Tale collection. The Oval punches hold the sentiment from Happy Everything. The black and white patterned paper is from a package of Prima Flowers. Isn't that so cool? I first used it to line the envelope then had some left so I added it to the card. I sure hope my friend likes it as much as I do. Thanks for stopping in to see me. Have a great day!
Faux Shaving Cream Circle Card
This is the make n take I am bringing to my SU! meeting tonight. I was supposed to do the Faux Shaving Cream technique and then I decided to make it a Circle card too. That's 2 techniques, 2 techniques in 1! LOL Ok, the colors are Groovy Guava, Purely Pomegranate and Wild Wasabi. The ink is Purely Pomegranate and Groovy Guava and the ribbon is Purely Pomegranate Double Stitched. The Rhinestone Brad is from our Ice Circle collection. All products are Stampin' Up! I've curled all 3 flower layers up on the ends but I know it's hard to tell here, sorry. I've included all the instructions below. I hope you like it because I really had fun making this one!!CIRCLE CARD
Cut a sheet of cardstock in half lengthwise (to 8 1/2"x 5 1/2 "). This is your regular old card size. Fold in half. Place the circle template of the Coluzzle Cutting System so just a scant 1/8 inch will go outside the fold. I used the largest circle on the SU! Circle template. Cut out the circle – there will be a small folded area that remains uncut, allowing the card to fold. Press hard as you are going through 2 layers. After cutting the circle with the Coluzzle you'll need to use an exacto knife to cut it out completely. You may need to sand those cuts with a nail file, very gently to make it a smooth circle. Make a pumpkin, flower, ladybug, Christmas ornament, snowman and more with this shape of card. Have fun and send me your creations, I'd love to see them!
Ink a solid stamp in your lighter color ink. Ink any wheel or small stamp in your darker color. Tap and wiggle/twist the wheel or stamp onto the solid stamp. Re-ink the stamp several times as you twist and wiggle. Huff and stamp the marbled image. If you're making more than one image clean off both stamps before repeating.
Another Ornament
This ornament came about through a mistake I made. I wanted to try to make an ornament using the paper lantern technique but not a round ornament. Well, I played and played with it and just didn't like it. So, I was just about to throw this away when I realized I could try something different. I had the paper lantern already made, then pinched the centers together, tied knots at both ends and then cut the loops. I hope you're following me so far. Then I just spread the pieces out, alternating the paper design and glued them together. Added some red Stickles, punched a Scallop out, glued a Prima Flower to it, added a glass bead to the center of that with Crystal Effects, and glued it to the center. Then I tied a ribbon to it and voila, it's an ornament. I might try this a little smaller and in white next time. This one is 5". Let me know if you have any questions and I'll do my best to answer you. Thanks for being here!
Oval Flower
I saw a picture in a stamp magazine of a flower that looks similar to this one. It was a die cut flower. I thought I could do that with my oval punches. So I got out my punches and started playing. It took a while to get to this final flower but I think I'm finally ok with it. I used a circle cut using the Coluzzle then just glued the ovals to the back. Then I had some extra flowers punched from a previous project just laying on my desk so I thought I'd glue them to the center circle. That still looked a little odd so I punched a circle using my 1 1/4" circle punch, stamped it with the dots from the Three For You punch box kit. Then I was happy. It has polk a dots, that always makes me happy. Of course it needed a little ribbon and a sentiment and there you have it. The sentiment came from the Happy Everything set. The colors don't show up too well but they are Purely Pomegranate and Pretty in Pink. The ribbon is retired but was from the SU! Ribbon Originals Flirty group. I hope you like it. Thanks for checking in!
1,000 Hits-BLOG CANDY
Ok, I NEVER thought I'd get to 100 let alone 1,000 hits!!! Thank you all for visiting my little 'ol blog. When my counter hits 1,000 I'm giving away some treats! For your wonderful support I am going to give out some blog candy!! All you have to do is tell me what you look for in a blog. Do you want pictures, new techniques, cards, scrapbook pages, non card items, a lot of writing, a little writing??? What ever you look for in a blog, I want to know. SO, leave me a comment on this post and I will pick a winner by random on Friday 10/26 (26 is my favorite number). Good Luck and thanks again for stopping by, I appreciate it more than you know!
This blog candy consists of:
SU! Ribbon Originals-Prep School Retired-2 yards of each ribbon. Although this is not in it's original packaging, it is NOT used!
Art Accentz Terrifically Tacky Tape-1/8"-5 yards
3 yards each of blue, yellow and white 5/8" ribbon non SU!.
Mod Design accents - 6 pieces, 5 are double sided
5 Prima Flowers
Snowman/Paper Lantern
Here's a snowman I made using the Paper Lantern/Pumpkin idea. Now, don't laugh or be scared at his face...LOL...I'm just not very good at faces. Sorry about that. Otherwise I hope you like it. Have a great weekend. (what's left of it. :0))
Celebrate Fall Transparency Book
Wedding Dress
My Sister got engaged in July of this year and we have been out looking at wedding dresses. Then I saw this card in the "Beautiful Cards to make and send" magazine. I had to try it. I used the SU! Spring Flower Bouquet punch to fill a dress form I cut freehand. Then I used Crystal Effects to add some little glass beads I had stashed in a drawer. The ribbon is our Whisper White Taffeta and the flower is from our Pretties Kit. I used the Large Oval Punch for the sentiment which came from the Baroque Motifs stamp set. The cardstock is Pretty in Pink and Whisper White. I wanted to keep this card very simple so there's no layering. This isn't anything like the dress my Sister chose for her wedding but I think it's pretty anyway. Have a happy day!
Oval Thanks
I used the Best Friend Upper case alphabet set. Certainly Celery and Whisper White Card stock. Petal Patch Designer Series Paper. Chocolate Chip 5/8" grograin and Chocolate Chip Taffeta ribbon. The 1/8" punch with the Earth Elements Eyelets. I popped up the letters with dimensionals. I got this idea from a card I saw in the "10 Minute Cards to Give & Share" book by House of White Birches. It did only take 10 minutes and I think it would be great for a man or a woman. Hope you like it. Have a great weekend!


text:
iMac Opening Tools
Wähle dein iMac Modell:
Ersatzteile für iMac:
iMac Intel 21.5" (2012-2019) Adhesive Strips
These foam adhesive strips secure the display to the case of the 21.5" iMac EMC 2544, 2545, 2638, 2742, 2805, 2833, 2889, 3069, and 3195.
iMac Intel 27" (2012-2017) Adhesive Strips
These replacement foam adhesive strips secure the display to a 2012, 2013, 2014, 2015, or 2017 27" iMac and the 2017 iMac Pro.
Combining aesthetics and function the iMac is Apple's all-in-one desktop model, requiring only a keyboard and mouse to function. The G5 and Intel versions feature the best of both worlds, with an absurdly thin case with fast and powerful internal components.
Please select your model above for upgrades and repair parts!
If you don't see the part you're looking for, just let us know. We're constantly adding to our line of iMac parts and welcome your requests.

subset: commoncrawl


text:
You have no items in your cart.
Equine America Glucosamine HCl 12,000 Xtra Strength Powder 1kg (Equine)
Please click on the tabs for further information
Delivery & Returns
MSM serves as an organic source of Sulphur, which is essential for forming cross-bridges between collagen molecules. This adds strength to collagen rich tissues such as ligaments and joint tissue. Glucosamine has been shown in many studies to work more effectively in the presence of Sulphur. Sulpher is also beneficial to the functions of many hormones, enzymes and the immune system.
HA (Hyaluronic Acid) is a component of the synovial fluid that surrounds the joints, helping to keep them supple. As horses age, the thick viscous fluid can break down to become watery and less effective, resulting in a stiff horse.
More Information
|Equine America
|Suitable for use during pregnancy?
|Complies with Jockey Club/ FEI Rules
|Instructions for use
|Initial 10 days: 30g Thereafter feed 15g a day
Maximum per day: 30g. 15g measure enclosed
|Maintenance Feeding Rate (average size animal)
|15g per day at maintenance
|How long will it last (days)?
|Fed at 15g per day, a 900g tub will last approximately 2 months (66 days)
|Approx cost per day
|26p per day at maintenance
|Ingredients Label
|Dextrose, Glucosamine Hydrochloride (40.45%), Methylsulfonylmethane (MSM) (5.5%), Hyaluronic Acid (0.03%).
|Glucosamine mg/kg or mg/litre
|Hyaluronic Acid (HA) mg/kg or mg/litre
|MSM mg/kg or mg/litre
At Supplement Solutions, we understand that our customer requirements vary. That's why on checkout, our website will offer you a range of shipping options based on the weight and value of products ordered, allowing you can choose the one that best suits you and your order. Once your order leaves us, you will receive an email confirming the date and method of dispatch.
All UK mainland orders (excluding the Highlands of Scotland) over £75 qualify for free Standard shipping. For all other UK orders, we currently offer STANDARD, PRIORITY & SAMEDAY DISPATCH options, along with delivery via Royal Mail and Parcel Force. Our delivery options are calculated on the weight and value of items ordered. If your order is urgent, please select SAMEDAY DISPATCH and we will do our best to ensure your order is dispatched, and will contact you immediately if we cannot fulfill your order. We offer several next day options, however, the only Guaranteed Next Day delivery is via Royal Mail Special delivery, so please ensure you select that option. Our cut off time for Urgent/Guaranteed orders is 3pm. However, we will try our best to dispatch any Urgent/Guaranteed orders after this where possible. Please contact us by phone if you have an specific delivery or urgent product request.


text:
VigRx Reviews Important Information Revealed - VigrxPlus Tablets testimonials
If you are looking for a good VigRx Plus review, this site EMSINDEX.COM is what you need. You will find lots of info on this famous penis pill and some expert advice on what to do with it.
Is this penis enhancement pill worth your investment? What can this very well known pill do for your self esteem and sexual prowess? What benefits can you expect to get from it? Is it safe? Can it enlarge your penis?
This review of VigRx Plus pills will reveal all you ever need to know. Read on VigRXPlusDirect.com
VigRx Plus Reviews : Highly Recommended
If you want to be better in bed, then this penis pill could be your ideal choice. This highly rated supplement will help you get rock hard erections on demand, better sex stamina in bed, more powerful orgasms or a meatier, erect penis size.
But what in the world is VigRx Plus ?
This is the upgraded version of the original vigrx plus reviews - the famous penis pill manufactured and distributed by Albion Medical. Although the original formula is powerful, this upgrade goes 3 better with new ingredients added for more bite. These new ingredients are : Tribulus, Damiana and Bioperine®
The makers of this top penis pill recently carried out a human clinical study. This was conducted by a research organization called Vedic Lifesciences Pvt. The findings were significant enough to conclude the potency of the pills, visit https://www.vigrxplusdirect.com/testimonials.html website to learn more...
Latest Product Reviews
Our Recent Articles
Aging and Sex | GenF20 Plus
For many people, aging can be a mysterious human biological process. The process, as with all other scientifically proven development, is really definately not being inexplicable. Really, aging involves many ideas and explanations how this natural phenomenon occurs everybody.www.genf20-plus.com
Semenax and Healthy Sperm!
If you're looking to conceive plus you've got heard how difficult it might be to help keep an effective sperm fertility, have belief. You might have healthy swimmers with minor changes in lifestyle. You don't need to be considered a monk or banish yourself to a deserted island to guard your sperm either.
ProSolution Pills: Natural and efficient Elements
When the involves manhood enhancement and men's reproductive health items, Professional Solution Pills have set themselves aside from many of the other items available on the market. This is often because of numerous reasons, while using the first will be the set of natural, potent, and efficient elements.www.Prosolution4men.com
Total Curves - A Lot Better Than Restoration Surgery?
You've most likely learned about breast enhancements. And you also probably have an acquaintance who's been influenced by breast cancers. A mastectomy is probably the more widespread techniques to deal with this killer of girls.www.Total-Curve.net
Summary of Profollica
Numerous males and girls finish up trying to find a hair loss solution that actually works every day. There's a good amount of information available on the internet if the involves hair loss, a lot of accessible products, and apparently a lot more reviews for each one of the so referred to as solutions available.www.ProfollicaDirect.com


text:
+91 8041276667
Location : Ahmedabad
Location : Regenta Central Antarim, Ahmedabad
Location : East Mohan Nagar, G T Road
Location : Old Airport Road
Location : Off M G Road
Location : Park Road, Near Indian Express Circle
Location : Bellary Road, Yelahanka
Location : Whitefield Main Road
Location : Bangalore International Airport Road
Location : Belagavi
Location : Bharatpur
Location : Near ABC Circle, Old National Highway 8
Location : GMDC House, Bhuj-Mirzapur Highway
Location : Chandigarh
Location : Near Chandigarh Airport, Zirakpur
Location : OMR Chennai
Location : Royapettah
Location : Bhensali, Taluka Vagra, Bharuch
Location : Chakrata Road, Nanda Ki Chowki
Location : Jamnagar Road, Dwarka
Location : Goa
Location : Utorda Beach Salcette, South Goa
Location : Varca, South Goa
Location : Station Road, Hospet
Location : Rishikesh Highway, Haridwar
Location : Indore
Location : Tonk Road, Durgapura
Location : Jaisingh Highway,Jaipur
Location : Opposite Jal Mahal, Amer Road, Jaipur
Location : Kalwar Road Jhotwara,Jaipur
Location : Dhikuli, Ramnagar
Location : Mall Road, Harsh Nager
Location : Prantik Pally, Kasba
Location : Biswa Bangala Road, Nowapara
Location : Opp Model Town, Link Road
Location : Old Tapola Road, Satara
Location : Manali
Location : Tara Hall Estate, Picture Palace Road
Location : Krishna Raja Sagar, Mysore
Location : Jhansi Lakshmibhai Road
Location : Nelson Mandela Road, Bannimantap
Location : Nagpur
Location : Survey No. 1, Village Ganghavare,Nashik
Location : Palm Beach Road, Vashi
Location : Marisoft Annexe Building, Kalyani Nagar
Location : Golden Nest, Opp-Cerebrum IT Park
Location : Motisar Road
Location : Everest Park, Kalawad Road
Location : Sawai Madhopur , Ranthambhore
Location : B.H. Road, Near Shimoga Bus Stand
Location : Near J&K Bank, Rajbagh
Location : Near Shivajee Circle, Mujmahuda
Location : Ved Transcube Plaza
Location : Gujarat
Bespoke Hotels
Hotel in London
Welcome to The Bermondsey Square Hotel, in the heart of ever-evolving Bermondsey, with a thriving restaurant, bar and club scene, art galleries, design studios and boutique shops. A short distance from the City, the Design Museum, Borough Market, Tate Modern and Tower Bridge.
The Bermondsey Square Hotel is a stylish Bespoke hotel with 90 designer bedrooms, including a series of loft rooms overlooking London's skyline. The Hotel is at the centre-point of the revitalised Bermondsey Square, which also boasts an independent cinema and a charming antique market.
Selected by Hip Hotels Group as a memorable place to stay around the world, The Bermondsey Square Hotel was also the setting for Channel 4's 'Hotel GB'. The show ran in October 2012, with Gordon Ramsey and Mary Portas competing to raise money for charity.
The Bermondsey Square Hotel is a stylish Bespoke hotel with 90 designer bedrooms, including a series of loft rooms overlooking London's skyline.
Subscribe for Newsletter


text:
Within 3 months you'll be able to launch your first retreat.
This business-in-a-box training is like an MBA for the wellness entrepreneur.
A Retreat is a Safe, Sacred, Open and Accepting Space for Women to Connect
with their True Essence as Creative, Powerful Beings
In today's stressful world we need more connection, more empathy and more heart-centred ways of being, in order to balance out all the fear, competition and separation. We need to experiment so we can find new ways of doing things.
Using yoga as a pathway into the body is but one aspect of a Holy Mama Retreat, and Retreat Facilitators need NOT be yoga instructors themselves. Connecting with nature, feeling strong via nourishing foods and being cared for by a loving team following Divine Feminine Principles are all elements of this holistic experience.
HolyMama retreats are for women to nurture the relationship with themselves, their child and each other as women.
HolyMama Supports Women to Realise their Dreams and Visions
Now you can Empower Others as you Embody, Expand and Rise
When you come into sacred space from the matrix of normal reality, it can move you out of your comfort zone. Which is exactly where the magic happens. As a HolyMama Certified Retreat Leader you will learn how to hold the space for others, especially women who have made the huge transition to motherhood and are dealing with overwhelm.
Being able to get away from the stresses of daily life to find connection with yourself and your child should be a birth right. There aren't enough sacred and safe spaces for women and children on the planet. My vision is that these kind of havens and sanctuaries will be the new 'normal' for everyone, including those struggling financially and especially those suffering from abuse, violence and isolation.
I see HolyMama as part of the movement of the turning of the tides. Part of the shaking up of old structures and paradigms. One that gives women and children (and awakening men) the space to breathe and determine their own path.
I have a dream that within ten years every major city on the planet has a safe, sacred retreat place nearby for women and children to go to. It should be a haven in nature where they can find nurturing, connection and spiritual growth. This is part of the bigger restructuring of the fabrics of our communities where women, children and the environment move into the central focus for our resources.
Here's to a future filled with joy, freedom, connection, independence and hope.
Lead Retreats where you can be your Authentic Self and Inspire Others
Become Part of the Ripple Effect that is Transforming the World
In this programme I will uncover the blueprint for running successful retreats and what I have done to continuously sell out retreats since 2008
Claudia, Founder and Creatress
What are the benefits of becoming a HolyMama Certified Retreat Facilitator?
Work you can be Proud of because it's Meaningful and Aligned with your Core Values
There is nothing more fulfilling and rewarding than knowing you are making a positive difference in the world. Happiness studies show that the more people participate in meaningful activities supporting others, the happier they become and the more purposeful their lives feel. Becoming a HolyMama Certified Retreat Leader means you will be connected and in community with like-minded others. You will be living a life with integrity, purpose and contribution.
Awakening Leadership for New Times
HolyMama works with the new paradigms of leadership that are all about cooperation and co-creation. We believe in the alchemy of circle and that circle has the power to hold it all. It is power from within, not power over. By using these principles you will find true connection with staff and clients (what we like to call our 'LoveField').
As a HolyMama Certified Retreat Facilitator you will also support others in their own transformation and contribute to building a more loving planet. By facilitating the awakening, expansion and empowerment of others you are part of something much bigger.
A Holistic and Integrative Lifestyle Business in a Box
By taking the training you receive a tried and tested retreat business model that works. It is a holistic business in a box. After ten years of experience as a yoga resort founder, retreat leader and integrative nutrition health coach I have blazed a path that others can now tread with confidence and ease.
Travel while you Work
We all like to escape sometimes and spend time in beautiful places. As a HolyMama Certified Retreat Facilitator you get to choose the magical, sacred, high vibrational places on the planet you would like to spend more time in. You get to explore these places and feel like you're on holiday even when you're 'working.'
Purpose and Financial Freedom
Develop the professional skills to make money doing what you love. Whether you are a stay-at-home mum or looking for a side hustle, becoming a HolyMama Certified Leader is a new career path that is all about freedom. The freedom to choose when and how you work will lead to more financial freedom. The working environment for a retreat facilitator is safe and sacred, rather than being fear-based and competitive.
Build a Business Around Your Life Instead of Bending your Life to Meet the Needs of a Job
When you have freedom in how and when you work, everything feels easier. You spend your days doing what you enjoy, rather than what you are being told to do. Financial freedom is being able to take a walk when you feel like it, take a day off when you need one or are desperate for some down-time or self-care. Financial freedom is also time to be with family and friends.
A Career that Grows With You
This career will expand as you do. It is not limited or restricted. There is no glass ceiling.
Becoming a HolyMama Certified Retreat Leader is an opportunity to reset your entire world. Your personal growth will be accelerated and you will become initiated into the art of sacred space holding.
Adaptable Prototype for Any Kind of Retreat
Once you have grasped the basics of hosting retreats with children, you can basically do anything. This is the hardest retreat to lead. I often joke that running a yoga business in crazy, unpredictable India was good preparation for running retreats with postpartum mums and children. It's like you need bristle on your teeth. Any retreat you decide to do after this will feel like a walk in the park. So get the masters version of retreat hosting and you can always change your niche later.
Your certification training includes these valuable gifts of growth and empowerment
How to foster the qualities in yourself to become a respected retreat leader and discover why the transformative potential for retreat participants is directly related to the inner work of the facilitator
Access to my years of research on the new leadership paradigm and leadership trainings
How to cultivate the art of Sacred Space holding – a retreat facilitator's highest calling and greatest gift
How to create a 'LoveField' around your retreat participants and team.
Bonus interviews with leading experts in key areas of business and personal growth and development
During this 9 month training...
I will guide you step-by-step through everything you need to know in order to run successful retreats around the world.
You'll also receive the forms, worksheets & special bonus tutorials with my personal mentors so that you have everything you need to hit the ground running.
This is an online training with the option to get live, onsite support. I will share what I have learnt in over 10 years of running retreats around the world. And believe me it is a very steep learning curve. So instead of falling in the deep end of retreat leading chaos, you get a huge heads up and can avoid the mistakes I made.
The course includes:
9 Modules with Certification Workbook so that you can explore your ideas and track your progress
9 Audio Trainings delivered each Monday to your inbox which you can listen to when it suits you
9 Live Video Calls so you can ask questions, discuss the course content, pick my brains and mastermind with the group to co-create your retreat (we will choose the day and time for this call based on the groups preferences. Either way you can email in questions and you will receive the recordings if you can't attend the live call)
Private coaching call with HolyMama founder, Claudia Spahr where you get her feedback on your personal retreat plan based on her decade of expertise in running retreats and facilitating workshops round the world
Bonus Video Trainings with my personal mentors and colleagues on subjects like leadership, branding, marketing, money mindset and a special virtual workshop on owning your shadow
Templates, Handouts and Funsheets for costs, bookings, schedules, retreat programme etc.
A Facilitator Profile and entry into our HolyMama Certified Facilitator Retreats page so that women seeking retreats in your area can find you easily
Access to HolyMama Certified Retreat Leader private Facebook group for ongoing support, encouragement and to get your questions answered once the programme is finished and you are running your own retreats
Price Calculation Forms so you don't miss any details, get in a twist over finances and end up paying out of your own pocket
Cancellation, terms and conditions, legal documents so you can avoid headaches, unwanted lawsuits or other legal challenges
Marketing, Client Handouts and Website Copy so you can sell your retreat with confidence and professionalism (this feature alone is worth the price of the training because it is what a copywriter will charge you for their work)
Retreat Participant Forms so you can keep track of bookings and client details, needs and expectations
Retreat Planner so that you have your retreat schedule well organised and don't forget any essential details
Website Design Tools and Templates so you can save time and money when it comes to creating your own website
Pre-Retreat Countdown Checklist so you know exactly WHEN to send out WHAT before the retreat
Retreat Participants Forms All the vital forms and information your clients need to receive for the retreat
In this training I will also share:
The juju sauce to running successful group programmes and selling out retreats
Finding your niche as a retreat leader with a new concept retreat
Facts and figures and why you shouldn't get caught up in the competition, scarcity mindset
Social enterprise and ways of making a difference
My crazy, hilarious retreat stories
Module One
In Module One we will explore the importance of sacred and embodied feminine leadership at this time, as women awaken to a new way of being with themselves, their families and children. We will discuss how leadership could look in the new paradigm. You will learn how to use circle for leadership and how to create a Love Field for your attendees.
Providing a safe container for the transformation of your staff and retreat attendees is essential for a successful retreat. I will delve into the archetype of the High Priestess and why she is useful for those who want to lead retreats.
We will look at different levels of leadership and find out where you are on the scale in terms of being an effective, embodied leader. Studying different laws of leadership we will build on your strengths and work on your weaknesses.
We will explore the importance of aligning with your 'why'. What are your values and goals, and how will becoming a Holy Mama Certified Leader support this vision?
Finally, we will also cover self-care, energy levels and boundaries – vital components in order for you to be in your power as a grounded and centred Retreat Leader.
N.B Previous to Module One you will receive a kick-start bonus training with fun tests to check your strengths and discover your why.
Module Two
In Module Two we firstly focus on you, your goals and your ambitions. We deep dive and explore the type of style you would like to offer, what suits you, and what do you want to offer as a Retreat Leader.
We then focus on your avatar, your target market. What kind of women are they and what energy and needs they may bring to your retreat.
Taking all this into account we will define the path for transformation for you and your attendees and what could be your unique brand positioning.
This module includes a special bonus seminar on embracing and owning your personal shadow and understanding the collective feminine shadow.
Module Three
Module Three is all about location . Let's find your Dream Retreat Location.
What do you need to know when you go on a reconnaissance mission and location scouting? What is important and if things can be improved, how?
We will go over key negotiation points with the venue and what you need to look out for.
Using our Holy Mama checklists we give you the confidence to ensure it is the perfect venue for your retreat.
We discuss the importance of child friendly venues and what this exactly means. We will also discuss the benefits and challenges of sourcing an established venue, or developing your own. We cover mark-ups and how this can affect your choice of venue.
Following Module Three, you will feel confident enough to nail down the venue for your retreat, so that this training is not just a dry run.
Module Four
In Module Four we make the number crunching and viability of retreat profitability easy. Via a profit clarity work sheet you will get creative.
I will let you in on my first retreat story, and we will delve into the importance of building a non-debt business through to revenue flow.
We review your expenses and costs through to pricing, salaries and profit.
We cover organic growth, the pace and path to success, and the advantage of growth and demand.
I will share my insider view on growing a retreat business over a decade and how to know when to scale. And of course how to scale.
We cover your team and employee development, recruitment and retention.
In this module we also look more closely at the wellness industry and how important it is to walk your talk. The goal after all is sustainability, freedom and happiness.
Module Five
Module Five focuses on Marketing.
We look at the different types of marketing you need to implement off- and online.
We will look at websites, copy, and traffic. We will also look at email marketing, list building strategies, sales funnels, newsletters and ways to attract your clients.
With the HolyMama website templates you will be able to put together a website and we will talk about techie things like opt-ins, conversions, analytics and Chinese (otherwise known as HTML). We will also provide some basic design tools and tips to build your own website and a list of our favourite providers.
I will share with you the keys to marketing with authenticity and heart and the psychology of smart marketing.
This is actually a complete training in business and marketing condensed into one module. Talk about value, value, value.
Module Six
Module Six has an emphasis on team, team building and team management. We talk about the importance of all roles and responsibilities within your team and the benefits of having an inner circle. This includes the essential inner circle criteria.
We cover who you need to hire, what you want to do yourself and what can be outsourced. We will also explore what needs doing in terms of administration, marketing, teaching, therapy, cooking, childcare and photography to coaching.
When you start your retreat business you'll find you are putting out most of the fires yourself, but developing an awareness of what your superpower is will help you delegate when the time is right.
We cover attraction, recruitment and compatibility, performance development and even dismissal, to ensure you have the best team possible for your retreat.
There will be a special focus on hiring for the childcare team (HolyCarers) as getting this right is huge, if you are organising retreats with mothers and children.
You will receive handouts with on-site working guidelines and role descriptions you can use for your staff.
Module Seven
In Module Seven we focus on your customer. Using the Holy Mama forms and templates provided, the booking process will be simple and easy...and most importantly legal.
We review customer expectations, to ensure everyone´s needs are met and exceeded, accommodation legalities, and how to build a simple and risk free booking process, so you can focus on your customer and their needs.
A very important part of a retreat business is on-boarding and here we will share our secrets on how to 'get bums on seats'. Good communication between you and the customer is key. There are ways to do it well and ways to absolutely not do it. I will share my stories and mistakes I made along the way.
This module will also look at what to do with difficult customers, how to hold the space for a big group and how important intention and acceptance are in making your clients feel safe.
Module 8
Module Eight has a focus on the daily schedule of your retreat. This is a lot of fun. We review retreat schedules, minute by minute to ensure you can go about planning yours with fine detail and have space for those special finishing touches.
I will share my secrets of what didn't work and why, so that you can plan your schedule knowing the pitfalls.
We will look at the crucial first two days of the retreat when expectations are most high and give you an idea what happens over the course of a transformational week.
I have served hundreds of retreat clients over the years and not one group or retreat week has been the same. BUT there are some general rules of thumb, when it comes to what works and keeping things flowing smoothly.
In this module we'll also look at shorter retreats, like a 3 day weekend retreat - which could be a good way to start, if you want to test the waters first.
A tight, perfectly planned and implemented schedule allows for more freedom and flexibility within the structure because:
We will give you ALL our tips and secrets. This module will inspire you to create your own experience, based on our tried and tested model.
Module Nine
In our final module, module nine, we look specifically at what it means to run retreats with mums and children.
The demand for these kind of retreats is huge and mothers are in such need of them.
We will look at meal planning and timing (which is worse a hungry mum or a hungry toddler?) and will give you our HolyCarer Childcare schedule, which has taken us years to perfect.
When the children are happy, the mums are happy. Part of our special sauce at HolyMama is to provide children with space for learning and expansion and of course lots of fun and laughter.
A yoga retreat (zen) and children (noisy, unpredictable chaos) needn't be an oxymoron. We will give you the vital tools and methods on how to make the 'impossible' a joy for all those present
Once you learn how to host a retreat for mums and kids you can apply many tools to all kinds of retreats: Yoga; Detox; Meditation; Spiritual Teaching; Life Coaching; Boot Camps & Adventure.
Following Module Nine there will be a final call to integrate and embody the teachings, as well as an opportunity for us to celebrate in a Closing Ceremony.
This is a special, by-application only training for a select, small group.
I am a Swiss-English author, speaker, activator and coach specialising in womens´ health, fertilility, pregnancy and motherhood. Before becoming a retreat founder and mother of three, I worked as a journalist and foreign correspondent for radio and TV.
I'm passionate about getting women to feel more in control of their health, well-being and life. I awaken others to their own intuition and strength. I'm also known as a visionary who breaks forward old paradigms and helps women shape-shift.
My aim is to inspire and empower. Create and innovate. Connect and awaken.
I believe every woman is unique and beautiful.
I believe that by connecting with nature we tap into source. By reclaiming our womb wisdom we set everyone in our lineage free, unlocking the greatest power in the universe.
Are you Ready to Change your Life and Empower Others?
Do you share the HolyMama Vision of Co-Creating Retreats for Women and Children all over the World so that these Safe Spaces become the New Normal?
I am offering the HolyMama Certification Programme in response to the increasing demand for this specific training and because I believe in the power of women co-creating.
We ran the first round of this course in 2018 and many of the graduates have successfully launched and hosted their first retreats (see their retreats here). Our next course will take place January to April 2019. If you would like to join our select group please apply via the link below or email us.
Register now to be part of the next group to take this out into the world.


text:
Anyone can drive a car. Likewise, anyone with a computer can make a PowerPoint. Doing it professionally, on the other hand, is a different matter. In this video, CEO Rick Enrico shares PowerPoint tips on creating an effective presentation. For more presentation tips, learn how to get the best out of working with presentation design experts.
Video Transcript: Any mildly educated pre-teen can create a PowerPoint presentation. Adding a text box, a few images, or a graphic here and there can be done by almost anyone with a computer. The question isn't "can you create a presentation?". The question you should be asking yourself is: "Is my presentation designed effectively at convincing my audience to get us to our goal, ahead of the competition?" When it comes to your business, you always want the best of everything. Why should presentations be any different? You may know how to drive a car, but that doesn't qualify you to be a NASCAR, does it? There are some things that are best left in the hands of professionals, and when it comes to high-end corporate presentations, PowerPoint design is absolutely one of them.


text:
Dairy Standard Chart of Accounts
This explanatory guide has been developed as a resource to assist in understanding and interpreting the Dairy Standard Chart of Accounts developed by Dairy Australia to be utilised by the Australian Dairy Industry.
The aim of this document and the Standard Chart of Accounts (SCoA) is to drive consistency across the Australian dairy industry in how we discuss, describe, calculate and report farm business performance.
There has been a significant amount of work undertaken by a number of groups within the Australian dairy industry over a long period of time and the culmination of this work and the assessment of previous documents has resulted in this guide and the Dairy Standard Chart of Accounts being developed.
Some of the major contributors over recent years have been Murray Dairy through the development of their Financial Records Guide and the Department of Economic Development, Jobs, Transport and Resources (DEDJTR) formerly known as the DPI, through the Dairy Farm Monitor Project (DFMP) that started in the 2006/07 financial year.
More recently the work undertaken to establish DairyBase, the new Dairy Australia web based Farm Business Management tool, has resulted in a further review of terminology utilised in farm business management and the logical flow of income and expenses as it is interpreted in management accounts.
The original Financial Records Guide for Dairy Farms was produced by Murray Dairy for all dairy farmers to provide assistance with establishing and maintaining a Chart of Accounts following the introduction of the GST in 2000.
It was designed to enable dairy farmers to improve financial and farm management decisions through the better use of financial data to monitor costs or benchmark performance.
The original guide was developed in response to a group of dairy farmers seeking assistance regarding the establishment of their Chart of Accounts.
In response, Murray Dairy established a Reference Team comprised of dairy farmers, consultants, extension officers, accountants and rural counsellors to provide dairy farmers with information on establishing and maintaining a Chart of Accounts. Murray Dairy subsequently revised and updated the guide to bring it into line with changes in the Dairy Industry.
With the recent release (May, 2015) of DairyBase, the Financial Records Guide for Dairy Farms has again been updated to ensure consistency with DairyBase and the Dairy Farm Monitor Project.
This version of the Guide provides a complex Chart of Accounts, which should satisfy the requirement of the most detailed record keeper and a truncated version providing the minimum requirement to complete a DairyBase analysis.
Whilst one of the main aims of a Dairy Standard Chart of Accounts is to drive consistency across the Australian dairy industry in how we discuss, describe, calculate and report farm business performance it also meets many other goals.
The Dairy Standard Chart of Accounts enables dairy farmers to manage the flow of financial information through their business and establish an efficient system for paying bills and complying with Australian tax regulations. Whilst ensuring tax compliance, the Dairy Standard Chart of Accounts can also be converted to management accounts with relative ease to enable farmers to make informed decisions in their businesses. The management accounts enable farmers to complete end of year and comparative analysis on their business by ensuring a consistent approach to the allocation of financial information and financial terminology used within the Dairy industry. It will also enable conversion to a regular cashflow and could be utilised for budgeting within businesses.
The Dairy Standard Chart of Accounts has not been established as a rigid tool to prescribe the exact setup of farm accounts on all dairy farms, it has merely been developed as a guide to the way a dairy farmer can keep financial records but, if used correctly, will give consistency in record keeping. As well as providing farmers with data to make informed financial and farm management decisions, the Dairy Standard Chart of Accounts will allow farmers to effectively benchmark their business. The use of 'benchmarks' by some sectors of the dairy industry can only be accurate if each business doing the comparisons have put their income and expenses in the same category in their financial recording system.


text:
The short answer is both. Most of Infer's customers are selling B2B products, so the first order of business is to make sure that the companies they target are good fits for their offering, and then look at who the individual buyers are. Even if a lead comes in with a CEO or VP title, the chances of converting that lead to a customer may be very low if their company is not a good fit for your product.
On the flip side, a lead from an admin at the right company could actually be worth looking at. When someone is expressing a need and there is a fit at the company level, who knows – that admin might even work directly for the CEO. That said, the ideal scenario is to have the right person at the right company, so we start with a lot of company-level signals and then add data about the individual into Infer's scoring models. And when looking at something like the person's title, we do deeper analysis to extract things like whether that person works in the IT dept, or is a C-level executive, etc.
Another related signal we factor into a lead score is whether something looks like a spammy lead. Any time you get leads from the web or another signup source, there will be a certain amount of 'junk' that you need to deprioritize. Interestingly, when spotting spam, individual-level factors come first. We filter leads out immediately when we detect fake names, suspicious email addresses, or short query distances on keystrokes. Next, we go on to check if the person entered a legit company name into the form.
The last thing you want to look at is the individual's and/or their colleague's engagement with your company. For example, if you offer a free trial of your product, we can incorporate behavior and usage information into your scoring model. In addition, marketing automation systems like Eloqua, Marketo, and Pardot capture awesome engagement scores that monitor what pages a lead has visited on your website and what content they've viewed. Some of our customers keep their activity and Infer "fit" scores separate at first, while others have us incorporate engagement scores into Infer's predictive model so they can bring everything together into a single score.
Any other questions or comments about Infer's predictive lead scoring models, let us know!


text:
As vegans we follow a healthy, plant based diet, but that doesn't mean we don't like an unhealthy treat every now and again, it's our 'guilty pleasure' and life would be a bit boring otherwise. We believe the same should apply to our pets. A few rewarding treats here and there is ok. Just remember giving a dog a biscuit is like us having two or three. If you are using treats daily or as part of a training regime, then there are healthy treats available.We only sell non-bleached hide pet products. These are a single piece of hide which have been shaped - nothing has been glued! It is recommended that a pet is supervised when chewing any treat and fresh water should be available at all times.
Size: 6
Stock: 2
Saving of £1.39


text:
Consider the set of all $k$-subsets of $\{1,\dots,n\}$, naturally identified with a subset $A$ of $\{0,1\}^n$ where each element has exactly $k$ ones. Is there a sharp bound known for $\epsilon$-covering of this set in the Hamming distance?
More specifically, suppose that $k = \gamma n$ where $\gamma \in(0,1/2)$ is fixed. The cardinality of $A$ is asymptotically $|A| \sim e^{n h(\gamma)}$ where $h(\cdot)$ is the binary entropy function. Is there an $\epsilon$-covering of $A$ in Hamming distance with $e^{ \frac{C n}{\log n}}$ elements and say $\epsilon \le \frac{n}{(\log n)^{2}}$? In other words, how large $\epsilon$ needs to be to be able to go from cardinality being exponential in $n$ to it being exponential in $n / \log n$.


text:
Innovation Clinic: Funding & protection for your innovations
AdamsonJones and TBAT Innovation have joined forces to offer sessions with our experts on funding and innovation protection. Find out how you can gain access to funding, secure investment and maximise the value of your intellectual property.
Our team of advisors will be on hand for informal discussions on key issues as well as confidential 1-to-1 meetings specific to your business.
• Changes to the UK Patent Box regime expected June 2016 - should you opt in before it's too late?
• Could you gain access to EU funding opportunitites through Horizon 2020?
• How to ensure that you are getting the most from your R&D Tax Credit relief.
TBAT Innovation is a niche consultancy which specialises in accessing funding to enable its clients to grow and underatke R&D. TBAT can help signpost you to the most relevant funding opportunitites and assist with scoping and writing the application.
Date: Thursday 10 March, 8am - 12pm
Venue: TBAT Innovation, Castle Donnington, DE74 2UT
Cost: Free
Attending: Nic Ferrar & Matt Symonds
To book please call 0115 947 7977 or email email@example.com.


text:
A company in Switzerland has just started a new website with cross-border tax advice.
Swiss FATCA site
Company registration for the corporation that started the above site
A company in Switzerland has just started a new website with cross-border tax advice.
Swiss FATCA site
Company registration for the corporation that started the above site
An internet petition to repeal FATCA has been underway for some time now: http://www.signon.org/sign/repeal-fatca?source=c.em.cp&r_by=188650
You can also write your Congressmen and Senators. Here is a link to an American Citizens Abroad page which includes a sample letter: http://www.aca.ch/joomla/index.php?option=com_content&task=view&id=466&Itemid=2
Excellent post from IsaacBrockSociety.com about ordinary people "Minnows" negotiating the FBAR swamp.
Just Me offers advice to newbies to the subject of FBAR compliance and OVDI considerations. To join or not to join. That is the question. This is a must read post.
View original post 3,525 more words
http://www.aca.ch/ (an international non-profit organisation that seeks to protect the rights of Americans abroad). They are a good bunch of people and do a great job for us, please join up and donate lots of money to them! They also have country contacts, so you might want to start a chapter in your country.
http://www.aaro.org/ (similar to ACA except AARO seems to concentrate more on Citizenship than on tax issues).
http://isaacbrocksociety.com/ (a site set up by Americans in Canada about double taxation, FATCA, FBAR, VDP, citizenship, renunciation and the like.) Lots of keen debate on this site!
http://www.hodgen.com (a tax attorney in California who has dealt with Voluntary Disclosure and FBAR problems.) A discussion of constitutionality on that blog may be found at http://hodgen.com/for-those-of-you-who-think-the-ovdi-penalties-are-unconstitutional/
Here is an interesting post that argues the unfairness of US policy as well as emphasizing that it is to the disadvantage of the US economy: http://renounceuscitizenship.wordpress.com/2012/01/12/u-s-citizenship-based-taxation-harms-u-s-economy/
FATCA Fallout — Mass Renunciations http://opiniojuris.org/2012/01/08/fatca-fallout-mass-renunciations/


text:
PURIFY Face Wash
PURIFY Face Wash
Massage PURIFY into dry or damp skin. Use warm water and sea sponge to rinse face clear of makeup, dirt and other environmental pollutants. May be used morning and night. PURIFY may also be used as a weekly mask: massage into dry skin and leave for 3-5 minutes before rinsing. Sea sponge included.
AROMA: Lime, Cypress and Tea Tree: Bright, citrus and green woods. The aroma invigorates the senses and stimulates mental activity, while promoting relaxation and tranquility.
- Coco Glucoside: cleanses with an ultra-gentle, soap-free, coconut-derived lathering agent. - Jojoba Oil: helps to remove make-up and other large molecules.
- French Green Clay and Bentonite: draw impurities from skin and provide vital minerals. Ions present in clays neutralize free radicals such as those emitted by cell phones. - Dead Sea Salt: mineral rich and known to prevent and treat multiple skin conditions such as psoriasis, acne, hives and rashes.
- Olive Leaf Powder: provides anti-oxidant, anti-inflammatory and antimicrobial activity. Known to accelerate wound healing due to a rich content of secoiridoid oleuropein. Olive leaf may also help to reduce swelling, redness and psoriasis and prevent sun damage and dehydration.
- Tea Tree Essential oil: serves to protect against bacteria, fungi and viruses while cleansing pores and fortifying the immune system.
- Lime Essential Oil: tones muscles, tissues and skin to retain youthfulness and prevent premature aging. Lime is also an effective aid in the treatment of acne, oily skin and insect bites.
- Cypress Essential Oil: contains astringent, antiseptic, antispasmodic and deodorant constituents that when applied topically improve cellulitis and poor circulation, tones sagging skin and calms ruddiness.
INGREDIENTS: Aloe barbadensis (ALOE) raw juice*, glycerin (VEGETABLE source)*, Solanum tuberosum (POTATO) starch*, coco glucoside (from COCONUT)***, Simmondsia chinensis (JOJOBA) seed oil*, montmorillonite (french green CLAY), bentonite (CLAY), Maris sal (DEAD SEA SALT)**, leuconostoc ferment filtrate (RADISH root)***, glucono delta lactone (from fermented RICE)***, Olea europaea (OLIVE) leaf powder, dehydroxanthan gum (from fermented SUGAR), Citrus aurantifolia (LIME) essential oil*, Melaleuca alternifolia (TEA TREE) essential oil*, Cupressus sempervirens (CYPRESS) leaf essential oil**
*Organic ** Wild-harvested ***EcoCert
99% Certified Organic or Wild-harvested


text:
Subscribe: http://www.youtube.com/subscription_center?add_user=ovenrude
Buy Great Design Resources: https://creativemarket.com/mattborchert?u=mattborchert
This tutorial goes over how to create artboards in Adobe Photoshop CC 2015. This is a BRAND NEW feature in Adobe Photoshop CC 2015, so it won't apply to any older versions, but it should apply to anything newer.
Artboards will be an amazing addition in particular to website designers and app designers who are looking for a better way to create a workflow that incorporates many different screens and re-usable assets. I also briefly cover the use of the Creative Cloud libraries built into Photoshop to save time when creating reusable assets for whatever your project might be.
Follow Me on Twitter: http://www.twitter.com/mattborchert


text:
Job 7:11 – Therefore I will not refrain my mouth; I will speak in the anguish of my spirit; I will complain in the bitterness of my soul.
I already dealt with complaining Christians in a previous devotional, but decided to readdress the issue. I am going to state this as a simple matter of fact: Christians should never complain. I came to this conclusion by way of reading a book that was a compilation of writings from Watchman Nee, a Chinese Christian who died for the faith after decades in a communist prison, and that was after a life of enduring many other hardships and heartbreaks. Yet it was not so much by virtue of comparing my life to his that made me realize what a whining complainer that I was, but rather his unassailable biblical doctrine that did so.
Now Watchman Nee wrote from the perspective of a form of traditional Christianity that has now fallen out of favor among modern Christians, especially those in the charismatic movement and particularly those in the Word of Faith movement. So, I will not use his truths in this devotional. Rather, I will explain this point using the charismatic/word of faith theology and language, and produce something that is just as unassailable as the writings of Nee. The reason why Christians should not complain is simple: because life and death are in the power of the tongue.
Now the whole basis of the Word of Faith movement is the Christian using the word spoken in faith to produce in the natural realm what has already been accomplished in the spiritual realm. Of course, teachers in this movement also proclaim that if you speak AGAINST what God has accomplished in the spiritual realm, then you can hinder what God wants to bring about in the natural realm with the same power in your words that come from you being made in the image of God. Well, this is also true of complaining. Whenever you complain, you are speaking that which at least a part of you considers to be true. Maybe that part is your ignorance. Maybe it is your fear. Maybe it is your pride. Maybe it is your vanity. Maybe it is some part controlled or influenced by some demon clinging onto and has a foothold inside of you because you have not renounced that demon and have not turned aside from that area of your life. Whatever it is, that part of you is still real because you make it real. Therefore, any words that you speak from that portion of your reality can be brought by the power of that portion of your reality by virtue of you being made in God's image and having the power that goes with it from the spiritual into the natural.
And there is also a bigger picture here. When you complain, you rebel against God. You accuse God. You judge God. You claim that God is not being good or good enough, that He is not being faithful or faithful enough, that He is not acting in a manner according to righteousness. When you speak in such a manner, you are speaking destructive words and using your God image to give that destruction life. In other words, in the spiritual realm, you are acting as a DESTROYER. So rather than complaining and thereby bringing forth destruction with your lips, you should close your mouth so that you can do no harm.
Once you have stopped being a destroyer with your lips, then you should do the opposite. You should praise God with your lips. You should thank God for the good. You should thank God for what seems to be bad but really isn't, because God cannot do bad. You should thank God for not allowing anything to happen to you that you cannot handle, whether it is something that is "too good" that would cause you to become proud or "too bad" that would crush you. You should thank God for giving you free will, and then thank Him for drawing you to Himself so that you could use that free will to praise Him. You should thank God that Satan is defeated. You should thank God that Jesus Christ died for your sins on the cross, rose again, and is returning. You should thank God for EVERYTHING.
Now a lot of well – meaning Christians tell you that you should not acknowledge your problems in doing this. Well, I disagree with them because I am not an advocate of self – hypnosis, repressing the truth, or any other type of game. God is not a God of games, God is a God of reality. God knows that you have problems, and God cares both about your problems and the effects that they are having on your physical, mental, and emotional health, and how it affects those around you, both your natural family and your spiritual one. So what remains is your having FAITH that God is bigger than your problems, so you can find a way to express your problems to God without complaining and without fear of offending the God who made you, who loves you, and who knows about those problems and wants to raise you above them. So, I say find a way to praise and honor God in the context of your problems. I am not saying that you should thank God for your poverty, divorce, gambling addiction, pornography habit, violent tendencies, racism, or cancer. Very likely, God did not cause those and wants to heal them from them, and God does not want those things to be established within you, nor does He want to be established as the author of those things by your words. So, tread carefully. But nonetheless, the Psalms and Proverbs are filled with examples of people who were able to praise God in the midsts of their troubles. They did not have to hide their troubles or be ashamed of them, but they were able to mention their troubles to God while they were praising Him. The Psalms of David in particular accomplish this best. When David was being hunted like an animal, when he saw the wretched condition of some of God's righteous people, when he saw the pride and cruelty of the wicked, when people were falsely accusing, cursing, and conspiring against him, and when he was dealing with the consequences of his own sin of rape, adultery, and murder, David never ceased to bring those issues before God, and he never ceased to find ways to praise God in doing so. You go and do the same!
So I am not like those Christians who say that you should never complain because you do not have a reason to. That simply is not true, at least not according to your flesh. See, this is the patience of the saints; the difference between works of the flesh through religion and worshipping God in spirit and truth, walking by God's Grace according to the Holy Spirit. Religion teaches you how to manage your flesh: how to suppress the very real thoughts, pains, hurts, and fears that you have concerning what you went through in the past, what you are going through now, and the tough road ahead. They tell you to concentrate on heaven and to know that you are only suffering for a time. That can get you through the night, but what about the morning? You will never get anywhere by shoving stuff down into your subconscious. And so long as you are playing games by managing your flesh, trying to control its eruptions, and shifting your flesh here and there in order to keep it bottled up, and trying to give acceptable religious outlets to your flesh (i.e. by "praising"), you just have to find a way to pouring all that stuff out to God. Why? Because once you do that, then God will send angels to minister to you and strengthen you, and then reveal to you that His Word Jesus Christ already dealt with all that mess on the cross! That stuff is DEAD ALREADY! And once that revelation comes to you, THAT is when the praise begins.
But in order to reach that point, you have to approach God in the right way, and that right way is by lifting God up, not by complaining. Make no mistake, whatever complaint you make is a complaint against God. Even if you do not THINK that it is a complaint against God, even if you are not even thinking about God when you speak it, it is still against God. It is still a negative destructive word that has destructive power in the spirit realm. That is why God says "pray without ceasing." If you are praying as you ought, 99% of the destructive foolish vain things that come from your mouth won't get said, because as you are praying the Holy Spirit will bring the wisdom and the restraint required to hold your tongue. And that is why Christians just need to discipline themselves to speak as little as possible and to listen as much as possible. If you are by yourself, why even open your mouth? Who is listening to you? Demons, perhaps? Well, stop keeping company with demons. Keep your mouth shut and PRAY! A lot of times the demons are keeping you busy in conversation because they are working to prevent you from hearing the Holy Spirit talk to you. And if you are with others, listen. Open your ears to the sins, hurts, pains, desperations, and hopeleness of those around you. That stuff will give you opportunities to pray, to minister, even if not that particular person who is talking but perhaps someone that you will encounter later who has the same problem and is going through the same stuff. How can you hear the problems of others so that you can go to God and intercede for them if you are too busy talking about your own problems for them to get their cries for help in? And yes, where their complaints are cries for help, yours are just whining and complaints.
After all, why do we complain anyway? Because we think that we know better and we deserve better. Complaining is the bitter fruit that comes from the corrupt seeds of rebellion, pride, vanity, selfishness, self – centernedness, boredom, fear, and impatience within our hearts, and along with each of those comes a demon or three. But do not be mistaken: those demons do not plant those seeds, they just grab onto and exploit what is already there. So whenever you feel the urge to complain, realize that the urge is coming from a heart that needs to change, from flesh that needs to be overcome. And how does change come? How does the overcoming happen? By the Word of God and the power of His Testimony: Jesus Christ risen from the cross and returning again imminently! So turn your complaints into praise by virtue of that testimony.
So even if all you can muster is a simple "Lord, my husband left me, my kids never call, I am swamped with bills, I am in pain and dying of breast and ovarian cancer, but I praise You because of Your Love, Your Mercy, Your Awesome Power, and because I am saved by Your Son Jesus Christ who died on the cross, rose again, and is coming again", then that is good enough. You did not COMPLAIN because of your divorce, your kids not honoring you, your finances, or your ruined health. You did not accuse God of being unfair to you because of those things. And you did not PRESUME or PROJECT your will upon God in these areas. And that is important, especially for you Word of Faith people. For how do you konw that it is God's Will for your husband to come back? For your kids to come back? They have free will! For your bills to be paid? It would be one thing if you had the money to pay the bills and refused, but if you don't have the money to pay them, don't you think that God knows that already? Even if you weren't following God when you made those bills, do you honestly think that He is going to keep you out of Heaven over it, especially if you have already repented for not letting God run your finances in the past?
And how do you know that it is God's Will for you to be healed, for you to live and not die? You are not going to know these things save God tells you, and if God were to tell you, He would put within you the faith for these things to be accomplished and create a means for them to be accomplished, and it would all be done in a way that accomplishes His Will and brings honor to Him. But what if it is not God's Will that these things be accomplished right at this second? What if it is not His Will that these things be accomplished AT ALL? Well, if either be the case – and you will never know because you are not God; the only way you will know is if God Himself tells you – then you still have to make sure that YOU are bringing honor to God with your words by A) not complaining and by B) giving God the praise. THAT is the true Word of Faith, my friend. The Word of Faith is not speaking a specific outcome UNLESS God has given you that outcome and told you to speak it. In absence of a specific outcome that GOD has told YOU to PROPHESY, well then the Word of Faith simply becomes YOU speaking the WORD that GOD is GOOD and FAITHFUL! That the GOOD and FAITHFUL GOD is YOUR GOD NO MATTER WHAT!
Is that too hard for you? Is it something that you cannot attain? Well, it is the Bible. And if it wasn't something that you were not capable of attaining, then God would not have put it in the Bible and told you to follow it. God is not trying to force you to sin. He is not trying to break your spirit. He is not trying to cause you to give up on Heaven. Rather, God only wants you to reject your flesh and the corrupt world that it lives in. It is your flesh and the love of the things of this world that cause you to complain, and above all else what God wants of you is to reject the things that He has rejected, to hate the things that He has hated, which are all things Adam! God killed those things that you are complaining about and that are causing you to complain on the cross, so why are you still holding onto them? They are DEAD! They are just waiting to be cast into the lake of fire. If you are truly saved through Jesus Christ , then you are not going to the lake of fire with that mess, so why are you holding onto it?
So quit judging God. Quit rebelling against God. Be loosed from that vanity, pride, selfishness, and boredom. Instead, love God for who He is and worship Him no matter what! And I did not say mess around trying to train your flesh. Renounce your flesh! You are not defeating Satan by trying to tell yourself that Satan is not attacking you, or that Satan's attacks are having no effect on you. No, you defeat Satan by telling God about his attacks, and then praising God because both you AND Satan know that he is already defeated, that Jesus Christ has already gotten you the victory over Satan's works, and that you do not even have to wait until you get to heaven to experience that victory, that you do not even have to wait for the attacks to stop for you to experience that victory, but your victory will be experienced and expressed to God in the spirit realm through your words by your refusal to complain and your act of worshipping God and submitting to Him instead!
Under the new covenant we have so much more power than under the old. The problem is that religion tells us to walk as if we are under the old covenant rather than teaching us how to exercise the power under the new. The new covenant is GOD IN US. It is the GOD IN US that gives us power over the world by rejecting it. It is the GOD IN US that gives us power over our enemies by loving them. And it is the GOD IN US that gives us power over our own flesh when we make the conscious choice to reject that flesh by praising God no matter how dire and wretched the condition and situation of that flesh rather than complaining because of the condition. Why are we able to do that? Because we come into the revelation through the Holy Spirit that we are not flesh at all but rather spirit, and our spirits achieved total victory when Jesus Christ cried out "It is finished" on the cross! So I am not saying that you should DENY your problems by not complaining. I am saying that by not complaining, you THROW THOSE PROBLEMS BACK INTO THE FACE OF SATAN AND HIS DEMONS! When you do that, then you persecute that which is attempting to persecute you. The forces of Satan will by that receive torture on earth from God's people before they receive greater torment in the lake of fire. Meanwhile, you will experience victory and liberation on earth in this life by your refusing to complain before you experience greater victory and liberation in the next life in Heaven. And if that isn't enough reason to stop you from complaining, then you are just one who has no interest in walking in the victory of the new covenant. I, for one, am enjoying my victory under the new covenant, and I thereby refuse to complain. Whenever I feel the urge to complain, I always force myself to acknowledge that my complaining will not solve anything, and that I know it will not. Instead, my desire to complain is based on my wounded pride and my desire to be the center of attention. Which is, of course, the very same reason why a 2 – year old complains. Well, I am not 2 years old either in chronological terms OR in the faith, so I am putting away that childish thing. If you want to become spiritually mature, then you do the same. Read the Psalms, read Paul's letters, learn to defend God rather than yourself, and start growing up!
Father God in the Name of Your Son Jesus Christ, your children learn how to transform their complaints into praise of You. In the Name of Y'shua Hamashiach, amen!
The demons that work in this area are pride, immaturity, selfishness, self – centerdness, and rebellion. Please read the Basic Spiritual Warfare guide to learn more about how to go against these demons to help set captives free and win battles in the name of your God through the power, authority, and victory given to you by his Son Jesus Christ and by his blood shed for you!


text:
Digital Printing
Kern offers a wide variety of high-speed, high-quality solutions that enable today's advanced printers to provide optimal efficiency and productivity. Our technology is used to handle a wide variety of materials in the digital printing sector.
- Products for Digital Print
- Inserting Systems and Solutions
- Unwinding, rewinding, cutting and folding
- Software
- Reading Technology
- Print Finishing
- Print/Colour Validation
To find out how Route One Print saved "enormous amounts of time and money" with a Kern Shrink Solution, click here


text:
The 2015 Coachella has shown in Indio, California desert passionately, which is the biggest music festival in the world. It is sure that a lot of music lovers, fashion people, trendy icons was gathering here and celebrating the festival together. Aside from expressing their great passion to the music, they were inclined to flaunt their charming dressing-up on sexy clothing, dramatic accessories, fashion jewelry and others.
From icons' street snaps on Coachella, each of them spent a lot of effort on primping from head to toes. In particular, most of them felt deeply love to cool sunglasses and chic hats. For one thing, they could embellish their looks successfully with the help of them. For another, those accessories could be used to hide the strong sunlight on the desert. Of course, how they could be lack of attractive street style jewelry like angel tears bracelet bangle and statement necklace to highlight their images.
When you feel their loves and passions, you must be impatient for trying their bold and dramatic looks.


text:
Manchester: It can be debated whether India should have fielded first on a fast, drying pitch under heavy cloud cover in the fourth Test against England that got underway here Thursday at the Old Trafford.
But while it was going to be tough in the first three hours, it was really the Indian batsmen's inadequate technique that let down the tourists in their first innings on the opening day of the fourth Test match against England. They were bundled out for 152 after at one point being a humiliating eight for four.
By recalling Ravichandran Ashwin and thereby selecting two spinners in the XI, India were virtually committed to batting first. It was, therefore, a matter of weathering the storm in the first session and a half. In this, the Indians failed miserably.
Gautam Gambhir, replacing Shikhar Dhawan at the top of the order, was fortunate to receive a couple of juicy deliveries on leg stump, which assisted him to get off the mark. The first testing ball he got undid him. Instead of pushing straight at one leaving him from Stuart Broad, he aimed to turn it to mid-on. Wrong shot; first success for England.
Playing at home, James Anderson was in peak nick swinging the leather both ways at above 85 miles per hour. His angled in delivery heading for or just outside off-stump, which ultimately swings away isn't easy to negotiate. It was precisely with such a ball that he had the in-form Murali Vijay caught at first slip.
And he struck again to dismiss Virat Kohli, who has become a bit of a bunny for the Lancastrian. In this case, the line of the ball was wider of the off-stump and so the batsman could have left it alone. But Kohli's open-chested - as opposed to a side on - approach has made him vulnerable to a well directed out-swinger. He needs to quickly correct this lacuna if he's to fulfill his promise.
Cheteshwar Pujara and Ajinkya Rahane were equally guilty of lapses in technique. The former drove at Broad without moving his front foot to the pitch of the ball and was consumed in the slips. Modern batsmen tend to push or half drive at balls they should be meeting with a dead bat in the early part of their innings. You expect the Saurashtrian to be an exception; in this instance he wasn't.
Mumbai's Rahane has looked impressive every time he's come out to bat. This time, too, he steered India to 62, mostly middling the ball, before he chased a ball from Chris Jordan to become Engand's fifth victim. Having done the hard work and with the track easing, the ball softening and the bowlers no longer fresh, he needed to drop anchor and make it count. He didn't, consequently adding to India's woes.
In contrast, what he lacks in terms of technical excellence, India's captain Mahendra Singh Dhoni compensates with a sound temperament. He played and missed, but remained patient. With his unorthodox, bottom hand and cat-and-mouse style, anything pitched up, he stepped out to drive powerfully. In so doing, he forced the bowlers to pitch short, which plays into his hands.
Dhoni bravely took blows on his body, one ball hit his helmet; but as he grew in confidence, he did not spare the shorter ball, despatching them with hooks and pulls. His 71 - before he was out hooking, not unjustifiably - saved further blushes.
Ravindra Jadeja was again unconvincing with the bat, leg before wicket to a ball swinging in to him from Anderson. Admittedly, he is a bowling all-rounder; but he has given no indication of being able to spin the ball other than out of a rough. There is no room for a bits-and-pieces player in test cricket.
As Ashwin, in a 66-run stand with Dhoni demonstrated, if you apply yourself, runs can be accumulated when conditions are easier for batting - as they became from the fourth hour of play. But having batted in such an accomplished fashion, he crucially could not resist a hook.
India were infamously shot out for 42 in the second innings at Lord's, London in 1974. In 1952, at Headingley, Leeds, also in the second innings they were ignominiously zero for four, prior to 56 from Vijay Manjrekar and 64 from Dattu Phadkar helping India to a total of 165.
However, those were days of uncovered surfaces and un-helmeted and financially unrewarded batsmen facing genuine fast bowling. There is less of an excuse in an era of pitches protected for batsmen and when Indian cricketers are the highest paid in the world.
Updated Date: Aug 08, 2014 14:29:04 IST


text:
Planning to Retire in 5 Years? Baird's Tim Steffen Offers Specific Steps to Help Ensure You'll Be Ready
While it's important to take steps throughout your career to prepare for your eventual retirement, it's especially critical to take stock of where you are in relation to your goals once you are about five years away from your projected retirement date.
"We've seen too many people who set their retirement plans on autopilot and fail to assess whether they are on track to meet their goals as the date they had in mind nears," said Tim Steffen, CPA, CFP®, Director of Financial Planning for Baird's Private Wealth Management group. "It's essential that anyone planning to retire take some very specific steps once they are no more than five years away from their targeted retirement date to confirm they will be where they need to be, or to give themselves some time to adjust course if necessary. Those who don't may find themselves needing to postpone retirement or scale back their plans once the actual date is upon them, which can be very difficult."
Steffen adds, "It's vitally important that pre-retirees actively manage their retirement planning process or find a financial advisor who can help them do so, as the way we prepare for retirement has changed substantially for this generation as compared to prior ones. Now more than ever, there is a greater reliance on personal savings and investments to supply the income needed in retirement."
Steffen encourages pre-retirees take the following steps to improve their odds of a successful retirement:
- Complete or update a comprehensive financial plan. A comprehensive financial plan can give you a more realistic idea of what to expect when you do finally retire, and is an indispensable tool for anyone who is seriously considering retiring. If you already have a plan, now is the time to update it to reflect the realities of your current finances, and get a handle on how all of your cash inflows and outflows will work. Make adjustments if it appears your finances won't hold together as you had hoped.
- Create a real budget for your spending needs in retirement. Forget rules that suggest you need 80% of your pre-retirement income. Now is the time to get specific for your own situation. Create a budget based on your actual projected expenses for housing, health care, support of family members, travel, and any other necessities or goals.
- Look for ways to eliminate fixed expenses. Make an effort in the years before retirement to get rid of any debt or recurring expenses. Do you really need club memberships, subscriptions and other work-related monthly expenses after you retire?
- Determine whether you want to work in retirement. While retirement may mean leaving an 8-to-5 career, it may not mean leaving the workforce entirely. Many find retirement a great time to pursue a less-stressful, part-time position in a new field, or even a volunteer position. The added income can be helpful, but it's important to note that it could have an impact on your Social Security benefits.
- Brush up on your company benefits. Make sure you have the most current information about your retirement benefits. Most companies provide an annual statement of benefits. If your company doesn't provide one, request one. Consider how your selected retirement date may affect pension and health care benefits. Some plans offer reduced benefits for an earlier retirement date, and you may determine that working an extra few years makes sense.
- Review your Social Security benefits. Working a few more years can have a significant impact on your monthly Social Security benefits, while opting to retire early can greatly reduce the amount you receive over your lifetime.
- Analyze your health care options and Medicare. Health care continues to be one of the biggest expenses in retirement. Many company retiree health benefits have been eliminated or reduced. Determine what your health care plan and Medicare will cover, and consider whether you will need supplemental health insurance.
- Consider your housing needs. If you plan to relocate, consider the type of housing you want – home, condo or retirement community. Scope out areas that appeal to you, and investigate the cost of living in your desired location.
- Reduce concentrated stock holdings. If you have accumulated company stock over the years, talk to your financial advisor about strategies to draw down your position. Some companies may require you to sell stock back when you leave the company. Most importantly, you want to guard against being forced into an all-at-once sale at a time when the price may be unattractive.
- Plan for risks in retirement. Risk in retirement can take several forms. Investment risk can include the risk of loss of principal, but it can also include being too conservative or too aggressive with your portfolio. Inflation risk includes the loss of purchasing power. Longevity risk includes the risk of outliving your money. While the risks themselves may be similar to what you faced in earlier life stages, their impact during retirement can be much greater and the opportunity to adjust to them much smaller. Your financial advisor can help you identify the risk factors that pose the greatest threat to you and plan accordingly. "Understanding the Key Risks in Retirement," an article written by Tim Steffen, explores the topic in greater detail.
To schedule an interview with Tim Steffen on this or other wealth management topics, contact Amy Nutter, Baird Public Relations, at (414) 765-3988 or email@example.com.
About Tim Steffen
As Director of Financial Planning for Baird's Private Wealth Management group, Tim Steffen is a noted expert on the financial and estate planning needs of high-net-worth individuals. Prior to joining Baird in 1999, he worked in Arthur Anderson's Private Client Services group where he specialized in tax and financial planning. He earned his bachelor's degree in Accounting from the University of Illinois. Steffen is a Certified Public Accountant/Personal Financial Specialist, a CERTIFIED FINANCIAL PLANNERTM professional, a Certified Private Wealth Advisor® professional and a member of the American and Wisconsin Institutes of CPAs, the Financial Planning Association and the Investment Management Consultants Association. For more tax and financial planning tips and insights, follow him on Twitter @steffen_rwbaird.
About Baird
Baird is an employee-owned, international wealth management, capital markets, private equity and asset management firm with offices in the United States, Europe and Asia. Established in 1919, Baird has more than 2,700 associates serving the needs of individual, corporate, institutional and municipal clients. Baird had nearly $99 billion in client assets on Dec. 31, 2012. Committed to being a great place to work, Baird ranked No. 14 on FORTUNE's 100 Best Companies to Work For in 2013 – its tenth consecutive year on the list. Baird's principal operating subsidiaries are Robert W. Baird & Co. in the United States and Robert W. Baird Group Ltd. in Europe. Baird also has an operating subsidiary in Asia supporting Baird's investment banking and private equity operations. For more information, please visit Baird's Web site at rwbaird.com.
For additional information contact:
Amy Nutter
Baird Public Relations


text:
Multnomah Village Homes in Southwest Portland
Multnomah Village Real Estate
by Rob Levy
Multnomah Village is a quaint and charming historical area located in Southwest Portland, not too far from Hillsdale and downtown Portland. While most of Southwest Portland is considered to be largely suburban, Multnomah Village offers a very European-style, old-timey village feel to the area. As soon as you enter, you are immediately transported to a completely different place. Most of its charm comes from the layout and variety of shops, the pull-in parking, the geographical location, and the overall sense of a very close-knit, family-oriented community.
It is located close to Maplewood, Rieke and Hayhurst Elementary Schools, which feed into Robert Gray Middle Schooland Wilson High School. Lewis & Clark College and PCC Sylvania are only a short distance away as well.
Scattered throughout family-friendly Multnomah Village are various storefronts of all kinds, ranging from excellent sidewalk cafés such as Village Coffee and Down to Earth, to Annie Bloom's Books, one of the city's best independent bookstores. If you're in the mood for some good food, you'll find that there is quite a range of places to choose from. For a quick slice of pizza and a locally-brewed beer, stop by the Lucky Lab Public House, whose outdoor patio, as the name suggests, is pet friendly! The Village Hut and Fat City Café are both excellent places to go for breakfast, lunch and dinner. Afterwards, stop by Otto & Anita's for a deliciously authentic Bavarian pastry. Multnomah Village is also home to John's Market, which has been in business since 1923. It is home to one of the best selections of beer and wine in the city.
Multnomah Village also has a thriving art and craft community. The Multnomah Arts Center invites artists of all ages and skill levels to engage in learning about art through a large variety of classes offered, which includes (but is certainly not limited to) theatre, dance, fitness, music, ceramics, textiles, metal arts, printmaking, photography & much more. Also, don't forget to stop by for First Friday, the monthly neighborhood event where most businesses stay open late on the first Friday of every month for fun and festivities. This is an excellent opportunity to explore everything the village has to offer with other like-minded individuals.
The character of Multnomah Village is hard to come by in Portland. The area has lots of parks and recreational opportunities, such as Gabriel Park and the Southwest Community Center, and is a progressive area with lots of families. If you're looking for a small-town feel that's relatively close to the city, look no further than Multnomah Village!
If you are thinking about buying or selling a home, give us a call at (503) 906-1444 or send us an email to explore your options and to find out when is the best time for you to make a move. Also, feel free to find me on Google+


text:
God reaches out to us, and he invites us to do life with Him, says Dan Marotta of The Falls Church Anglican. And the touchpoint for doing life with God is prayer. This parable gives us the encouragement we need to keep praying, to keep doing life with God.
Reading: Luke 18


text:
Ones to Watch - Hermione de Paula
Like a ray of light on a cloudy day, Hermione de Paula's collection played with stormy greys and charcoals, lightened with bruised purples and dusky pinks. The Central Saint Martins graduate understood the idea of ultra femininity with lightly floral patterns adorning the floatiest of fabrics.
As the music intensified, so did the colour palette. The shades of purple got stronger, and a striking black and white outfit crossed the boundary from greyscale into monochrome. Carefully positioned gold chains and lace crowns ensured de Paula's woman wouldn't blow away with the breeze. The final salute to femininity was a beautiful ruffled neckpiece resembling the reddest of roses. As de Paula proved, every cloud has a silver lining. Louise Hemmings