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Accountants' Licensing Diagnostic
The following report overviews where you and your business want to be in the next 3-5 years and the best licensing solution to help get you there. Keep in mind that it's important for you to drive the licensing solution that will suit you and your clients and not the other way around.
This Licensing Diagnostic is designed for accountants working in public practice. From the answers given, it does not appear to be relevant to your situation. Thank you for your interest in our Licensing Diagnostic.
About your business
|Number of Clients:
|Number of SMSF Clients:
|Practice type:
Future (3-5 years)
|Number of Clients:
|Number of SMSF Clients:
|Practice type:
You have indicated that you want to remain a compliance based practice over the next 3-5 years. There is a significant risk that firms who focus on compliance based work will have reduced profitability due to advances in technology and regulatory changes.
Even if licensing has no appeal to you, you may want to consider other ways to address the issue, such as mergers, specialisation, maximising your use of technology and outsourcing to increase your chances of success.
Growth Plans
No growth plans - you have indicated you are not currently looking to grow the business. You are happy 'business as usual' and are not interested in changing your practice as a result of licensing changes.
Growth Plans
Steady growth - you would like steady practice growth, and plan to increase the number of clients or increase the number of SMSF clients.
Growth Plans
Rapid growth – you are aiming for significant practice growth and want to take it to the next level. You are looking to change your practice to an accounting/advice based practice and will obtain a licence as soon as possible.
You have also indicated that you are looking to sell or retire in the next 3-5 years. Rather than investing your time and capital in licensing, you may want to consider entrusting this responsibility to someone else in the business to ensure a sustainable future. Alternatively, you might want to consider a buyer who can provide this service.
Investing in additional practice management support may also be worthwhile to maximise the sale value of your business.
Although a strategic authority best meets your needs in terms of the client advice you would like to provide, you have indicated that you are planning to allocate less than one day per week to this.
In our experience, unless you are dedicating at least one day per week to licensed advice (preferably more), the chances of making a successful transition are reduced considerably. Given the time and cost involved in becoming licensed, you may want to explore other options. For example, can others in your practice become licensed, or should you seek a strong referral relationship?
You have indicated you want to grow your business, but only plan to allocate a maximum of 1-2 hours per fortnight to this.
Licensing allows you to expand your advice services significantly, but you will not be able to capitalise on the opportunities if you do not allocate sufficient time and resources.
To maximise your success, you may want to consider:
- Employing additional staff
- Re-allocating work to existing staff to free up more of your time
- Outsourcing more compliance and administration work to free up resources
You have indicated that you want to grow your business rapidly, but plan to allocate a maximum of one day per fortnight to this.
Licensing allows you to expand your advice services significantly, but you will not be able to capitalise on the opportunities if you do not allocate sufficient time and resources.
To maximise your success, you may want to consider:
- Employing additional staff
- Re-allocating work to existing staff to free up more of your time
- Outsourcing more compliance and administration work to free up resources
You have indicated that you want to grow your business and plan to allocate at least one day per week to this.
Licensing allows you to expand your advice services significantly, and it is gratifying to see you setting aside sufficient time and resources to achieve this. If time does become an issue, you may want to consider:
- Employing additional staff
- Re-allocating work to existing staff to free up more of your time
- Outsourcing more compliance and administration work to free up resources
About you
Your current role
You currently divide your time up as follows.
Your preferences
Adviser - you enjoy client interaction. You will need appropriate licensing to have in-depth discussions with clients. You should review office support/outsourcing so that you can spend more time with clients.
Adviser/technician - you enjoy client interaction but are very strong technically and like to use/test these skills.
Technician - you are methodical and like to solve problems. You are across all the latest strategies and opportunities and can probably quote sections of the SIS Act.
Technician/entrepreneur - technically, you are very strong and have an entrepreneurial flair. You are constantly looking at ways to grow your business and can see the opportunities in the SMSF market.
Entrepreneur - you prefer working on your business, rather than in your business. You've expanded your business and take a strategic big picture view. You have good people and systems in place to help you reach your goals.
Entrepreneur/Adviser - you love building successful businesses, but equally enjoy client interaction.
Blend - you have skills across all three areas –probably one of the reasons you went into practice. However, there are not enough hours in the day to grow the business, interact with clients and manage the team.
Are you currently spending your time doing the things you enjoy? It may be worth using the licensing changes as an opportunity to review your current and future roles.
The licensing solution to take you there
Your authority level
Licensing options can broadly be categorised into three levels – SMSF Specialist, Strategic and Comprehensive.
Based on your responses, the best licensing solution for you is , as indicated below:
For further information regarding your authority level and why this level has been recommended, refer to the 'Licensing in Detail' section of the report.
Authorities vary significantly from licensee to licensee. To ensure you select a licensing solution that meets your needs, please refer to the detailed section of this report for information on the specific areas of advice you want to provide.
Self Licensed -v- Authorised Representative
Based on your responses, you are best suited to becoming self-licensed.
For further information on self-licensing versus becoming an authorised representative, and why this option has been recommended, refer to the 'Licensing in Detail' section of the report.
Based on your responses, you are best suited to becoming an authorised representative.
For further information on self-licensing versus becoming an authorised representative, and why this option has been recommended, refer to the 'Licensing in Detail' section of the report.
Your Transition Pathway
RG146 Training
ASIC has training requirements that must be met before you can provide licensed advice. These are outlined in ASIC's Regulatory Guide 146 (RG146). You will need to demonstrate that you have met these training requirements before any advice can be provided.
Please note that in addition to the RG146 categories listed below, you will also need to meet 'Generic Knowledge' and 'Skills' requirements. There are some courses available that do not cover Skills so make sure the course you select isn't one of these. For Generic Knowledge, many RG146 providers provide exemptions for this if you are an accountant. Make sure that your chosen provider will give you an exemption, or that this RG146 component is covered in any training that you complete.
Based on your responses, you will need to complete the following RG146 training.
This RG146 assessment does not take general insurance into account, which is a separate specialist area. If this is an area you would like to provide advice on, make sure your training meets the RG146 requirements in this area.
Your responses indicate that you will need to complete RG146 training in all of the areas above. Rather than completing stand-alone courses in each area, the most practical way to address your RG146 training needs is to complete a Diploma of Financial Planning from a Registered Training Organisation (RTO). Make sure that the course covers both managed investments and securities. Also, if you intend to provide advice on Limited Recourse Borrowing, make sure that your course addresses Margin Lending as this not always included as standard in Diploma courses.
Based on the answers you have provided, we recommend that you obtain your own licence rather than become an authorised representative. As such, you will need to comply with the requirements of RG146 as an adviser, but will also need to comply with the requirements of RG105 as the responsible officer for your licence.
From a training perspective, RG105 and RG146 are the same. However, some concessions for accountants currently apply to meeting the training requirements of RG105 during the transition period to July 2016. As no such concessions apply to RG146, you may not need to meet the training requirements before applying for your licence, but you will need to meet them before providing any advice.
Additional training and support
The support and training recommended here is not a legal requirement but, based on our experience, makes an enormous difference to whether accountants transition successfully or not. This training/support can be broken into three key areas:
- SMSF training – to maximise the value of licensing and build on the expertise and reputation of accountants, we recommend all accountants complete advanced SMSF training
- Induction/transition support – this assists you in writing your first SOAs and incorporating advice into an accounting practice. It should include an understanding of the issues around running both an accounting and licensed advice business
- Self-licensed support – this assists you both in applying for your Limited Licence and in ongoing management of your licence obligations.
Based on your responses, we recommend you seek support in the following areas:
Licensing in Detail
Becoming licensed opens up significant opportunities. To maximise these opportunities, you need to ensure the right licensing solution for you and your practice.
If you become licensed, one of the most important decisions is self licensing versus licensing through someone else (becoming an authorised representative). The pros and cons are explained further in this section of the report, as well as a personal recommendation, based on the responses you have provided.
Regardless of the option you choose, you will need support in three key areas:
- Compliance support - to ensure you comply with the law
- Operational support – so you can provide advice in an efficient and effective manner
- Practice management support – to help you grow your business and capitalise on the opportunities of being licensed
For authorised representatives, this support should come from your licensee. For those becoming self-licensed, we recommend engaging outsourced providers to assist you.
While the level of authority you have will impact on the compliance support you need, all quality licensees (or outsourced providers) should offer a similar service. For example, a clear scope of authority, advice guidelines and regular audits. For a detailed checklist on what to look for with compliance support, refer to the checklist in the appendices.
Operational support and practice management support vary considerably from licensee to licensee. Individual needs also vary considerably depending on in-house resources and other arrangements.
This section of the report looks in detail at the authority level you need.
An AFSL holder can authorise individuals to provide the full range of activities permitted by their licence. Alternatively, they can choose to offer 'reduced' authorities. The initial training requirements to obtain those authorities are reduced to match the advice that can be provided.
Licensing options can broadly be categorised into three levels – SMSF Specialist, Strategic and Comprehensive.
- SMSF Specialist licensing tend to mirror the exemption that is being removed, so are limited to the establishment and wind up of SMSFs. These are also referred to as basic or essential authorities
- Strategic licensing tends to mirror the limited licence that is now available through ASIC. They allow accountants to provide a much broader range of financial advice but exclude involvement in specific product recommendations
- Comprehensive licensing allows you to provide a full range of financial advice including product recommendations.
Please note that authorities vary significantly from licensee to licensee and these are broad categories only. If you are comparing different authorities, it is extremely important to check the underlying activities that authority allows you to advise on, not just the name of the authority.
Also be wary of any licensees that are offering extensive advice areas, but only require a short RG146 course.
Your authority level
Based on your responses, the best licensing solution for you is , as indicated below:
This recommendation is predominantly based on the areas you indicated you wished to advise on. However, given the time and cost involved in licensing, we have also indicated if we feel a referral option could work better for you. This is based on your responses about the amount of time you are planning to allocate to providing licensed advice.
Authority levels vary
Note: Authorities and their flexibility vary significantly from licensee to licensee. Below is your response to the areas you want to advise on. Use this detailed list to ensure any authority you are considering covers all those advice areas.
If you are suited to Strategic licensing, please note that this checklist correlates with the Limited Licensing option available directly from ASIC.
Based on your responses, licensing is either not required for your practice, or the cost and effort involved means that a referral arrangement is likely to be a better solution.
|You want to advise on
|You do not want to advise on
|SMSF Strategies
|Establish and wind up SMSFs
|General advice comparing SMSFs with other super structures
|Limited recourse borrowing arrangements
|Investment advice & preparing investment strategies
(No specific product recommendations)
|Insurance needs analysis
|Direct property transfers
|Reserving strategies
|Super and retirement strategies (generally)
|Contributions advice
|Transition to retirement
|Retirement income streams
|Receiving death benefits
|Re-contribution strategies
|Retirement projections
|Intergenerational and succession planning
|Lump sum withdrawals
|Other financial planning strategies
|Cash flow and budgeting
|General advice
|Debt management
|Gearing & margin lending (outside of an SMSF)
|Salary sacrifice
|Life & income protection insurance
|Business insurance (key person)
|Risk profiling and asset allocation
|Risk profiling
|Asset allocation
|Product advice
|Basic deposit products
|Direct shares
|Insurance products
Your Strategic/SMSF Specialist authority means your clients will still need to seek the advice of another licensed adviser if they require investment advice or specific insurance recommendations. We strongly recommend you take an active role in finding a referral partner who is compatible with your business. Otherwise, there is a risk your clients will seek advice from your competitors.
You have indicated you are interested in Strategic/SMSF Specialist licensing. However, you have also indicated that you like to control all aspects of your clients' affairs. You may find it difficult to find a referral arrangement that will work for you. You may want to consider a Comprehensive licensing, or bringing that function in-house to allow you to retain control.
You have indicated that you are looking at licensing but will maintain 'business as usual'. Licensing requires an investment of time and money and can be a costly exercise if not used to its full potential.
We encourage you to consider the additional opportunities that can come from licensing. Alternatively, a strong referral arrangement could be a better fit and achieve the same outcome for your clients.
Self Licensed -v- Authorised Representative
A major challenge for accountants is deciding whether to self-licence or be licensed through someone else (authorised representative).
The tables below outline the pros and cons of each option:
Full control over your business and client
You take on the licensing and advice risks
Economies of scale for larger practices
Additional time and resources are needed
Specialist advisers, particularly in the SMSF space may find licensees too restrictive
Not recommended if you have no experience in licensing, or are not partnering with a consultant to assist you with your licensing obligations
SOA templates are too clunky or lengthy
Authorised representative
Quicker and easier
Finding a licensee that shares the same values as you
Can offer more support
Finding a licensee that offers what you want and need (not too little, or paying for things you don't need)
Allows you to focus on advice requirements, rather than advice and licensing requirements
Finding a licensee that understands accountants and strategic advice
Tools, templates and technical support should all be provided as part of licensing
Finding a provider that can cater for specialist SMSF and advice and advice that incorporates the needs of small business owners
Other support such as practice management often also included in your licensing fee
Our recommendation
Based on your responses, you are best suited to becoming self-licensed.
Authorised Representative
Based on your responses, you are best suited to becoming an authorised representative.
The key factors we have taken into account in recommending whether you should become self-licensed or not are:
- Your confidence in meeting the 'appropriate advice' requirements
- The time you, or someone in your practice can dedicate to meeting your licensing requirements (at least 1 day per month)
- Processes in your business to ensure you can manage your licence obligations effectively and efficiently.
We also looked at your level of SMSF expertise and preferences about making product recommendations as, in our experience, these are areas that advisers find too restrictive when operating as an authorised representative.
Please note that this recommendation is a guide only and is based on your responses at this time. It is important to let your business needs drive your licensing decision; you can and should review your licensing situation over time to ensure it continues to meet your needs.
Having your own licence requires support, so don't try to do it alone. You are responsible for the advice; it has to be appropriate, not just possible. We have developed a range of support services to ensure you achieve the right outcomes for your business. Please review the checklists in the appendices for further guidance.
While you would ideally like the freedom and control offered by self-licensing, your responses indicate you are not looking to commit more than eight hours per month to managing your licensing obligations.
We recommend that you, or someone in your practice, dedicates at least one to two days per month to managing your licensing obligations, even if outsourced service providers are engaged. This is in addition to the time taken to provide the advice itself.
Being an authorised representative means that your licensing obligations are significantly reduced. However you will still need to dedicate some time to tasks such as developing systems, processes and templates for your business.
You indicated you are only planning to invest four hours per month or less. This may not be sufficient to meet your obligations, particularly in the initial set up stages.
Operational Support
Providing licensed advice is quite different to the advice accountants typically provide. This is largely due to the disclosure obligations and other legal requirements that ensure you can demonstrate the advice is appropriate for/in the best interests of the client. Operational support ensures you can provide this licensed advice in an efficient and effective manner. You may need support in any or all of the following areas:
- Software and templates - including plan writing software, financial modelling and CRM systems
- Research
- Paraplanning
- Technical support - particularly around the advice process, and completing fact finds and Statements of Advice
- SMSF technical knowledge -if you are providing complex SMSF advice and require support from experts
- Branding and marketing support – to assist in preparing stationery that addresses disclosure requirements; and marketing templates and letters that can promote your new advice service to clients
Depending on your experience and current practice resources, your operational support needs will vary. The table below highlights the areas where you are looking for support, based on the responses you provided.
Your responses indicated that you are likely to need some para-planning support to assist in meeting your advice needs. Para-planners offer two types of service – technical support for plan construction and back office administrative support. If you are going to rely on paraplanning, make sure they have an easy lodgment process and good turnaround times (ie: 5 days or less).
Another area that licensees provide support in is training. Most quality licensees have an ongoing CPD commitment of 20 hours or more per annum for strategic advisers, and 30 hours or more for comprehensive advisers. You have indicated that you live in a regional or remote location. You should investigate how ongoing CPD is delivered, as online training may be a better fit than face-to-face training. Also investigate if you will be required to attend an annual conference – and how this is funded (ie: as part of your annual fee, or an additional cost).
The information above shows what operational support we think will be important to you. To further assist you, we have provided some useful questions to consider for each key operational area. Make sure you are comfortable with the responses provided by a licensee, particularly in the areas you are seeking the most support.
|Key Operational Area
|Useful Questions to Consider
|Software and templates
Do they have plan writing software. Is it included or an additional charge?
Do you have to pay for software if you don't use it? (ie: if you are only taking a SMSF Specialist authority)
Do you have access to other software for CRM systems, modelling and projections, portfolio tracking etc. Is it included or an additional charge?
What training and support is provided for the software?
How is the Approved Product List (APL) put together & updated?
How many products are on the APL?
What is the process for obtaining approval to recommend products that are not on the APL?
What resources are dedicated to internal and external research?
Are you restricted in the platforms you have to use?
Are they treating SMSF administration services as products that require approval? If so, what is their policy for licensed accountants that offer their own SMSF Administration service?
Is there a para-planning team?
How many are in the team?
What is the turn-around time?
What is the experience of the para-planner?
Can they assist with strategies?
|Technical support
What support is there to write your first Statements of Advice?
Is there a hotline or a dedicated person to support you when you provide advice?
If guidance is provided by advice coaches, how many advisers does each coach support? (Any more than 1 to 100 advisers won't support you adequately)
|SMSF technical knowledge
What expertise is there from the technical team for SMSF advice?
Who provides that advice?
What training have they had?
Do they understand the accounting exemptions and how they cross over with advice you may provide?
How much training is provided as part of the licensee fee?
How is it delivered? (face to face, distance)
Who provides the training? (is it specific trainers, or is it subsidised by fund managers)
What specialist SMSF training do you provide?
Are you required to attend an annual conference and if so, where are the conferences held and what do they cost?
|Brand and marketing support
Do they provide assistance in preparing stationery specific to your advice business, including meeting ASIC requirements?
Do they have a style guide that can be easily adapted?
Do they have any providers who can prepare your stationery?
Practice Management Support
Business coaching and practice management support are common place in the financial planning industry. These inbuilt support services can maximise the value of licensing and particularly help small businesses work smarter.
Some larger licensees provide this type of support effectively, albeit with an ulterior motive in many instances – as their fee is based on a percentage of practice revenue.
Sometimes this support is incorporated into the licensee fee but in other instances it is an additional charge. The level of practice management support offered by licensees is probably the biggest reason for variances in licensee fees at the top end of the scale, so it is important that you select a licensee who meets your needs.
If this is not an area of support you need, try to avoid licensees where this support is built into the fee, regardless of whether or not you use it.
Depending on the size of your business and how much you have invested in this area in the past, practice management support may ensure the move into licensing is a profitable and successful one for you and your practice.
Practice management support can include the following:
- Business planning
- Succession planning
- Funding for mergers and acquisition of practices
- Marketing
- Assistance with client value propositions.
Based on your responses, the illustration below indicates how much practice management support you may need.
A word on costs
Cost is probably the biggest issue raised by accountants when considering licensing. Most also indicate this is at least partially driving their decision to self-licence or take out an authority.
You probably have realised by now that we have not taken cost into account in our recommendations about self-licensing versus becoming an authorised representative. While cost is certainly something you need to consider, we do not believe that cost should be driving this decision. Control, investment of time and resources, and flexibility to advise in your chosen areas, are the factors that should drive your decision.
Unless you have a large number of accountants needing to be authorised within the one practice, you will find the costs are not significantly different between obtaining your own licence and becoming authorised, particularly when you consider that time spent managing licensing obligations could have been used to generate advice income.
To sum up: look at the cost, but unless you have a large number of authorities in your practice, or you or a colleague have some experience with licensing, don't let cost drive your decision.
You have indicated you are unsure what RG46 training you have completed, or have completed some RG146 training more than five years ago. To ensure you do not undertake further study that is not necessary we recommend an individual assessment. This can be done by a Registered Training Organisation or by the licensee that you intend to join. You may be able to undertake gap training to fulfill your RG146 and/or RG105 requirements.
Compliance Checklist
There are a number of fundamental compliance obligations reflected in the law. Such requirements include disclosure obligations, the need to ensure the advice is appropriate and that it is in the 'best interests of the client'.
Licensees who appear less rigorous with their compliance may look attractive, but should be avoided. If ASIC determines that a licensees' compliance and processes are deficient, it can cancel their licence. This could have a huge impact on your business as you could not provide advice until you found another licence holder. Importantly, your clients' would be aware that your licence had been revoked.
Use the checklist below to identify those licensees that have strong compliance processes in place.
|Area of Compliance
|Questions to think about
|Reviews and audits
|Advice documents
|Research and Approved Product Lists
This is only applicable for Comprehensive advisers. Do they treat SMSF administration providers as products that require approval? If you are providing your own administration services, or have a preferred outsourced supplier, you need to ensure your licensing arrangement will not impact on your administration arrangements.
|External dispute resolution
|Professional Idemnity (PI)
|Australian Financial Services Licence
|An authorised representative of a licence holder
|Self licensed:
|A person who operates under their own licence that they have obtained direct with ASIC
|Someone who is an authorised representative or operates under their own licence (self licensed)
|The entity that holds an ASFL (eg: SMSF Advice, Count)
|Dealer group:
|Same definition as Licensee
Copyright notice
Copyright © Licensing for Accountants. All rights reservered.
Save and except for third party content, all content in these materials are owned or licensed by Licensing for Accountants Pty Ltd (ABN 61 600 665 254).
Other than for the purposes of and subject to the conditions prescribed under the Copyright Act 1968 (Cth) (or any other applicable legislation throughout the world), or as otherwise provided for in this copyright notice, no part of these materials may in any manner or any medium whether now existing or created in the future, (including electronic, mechanical, microcopying, photocopying or recording) be reproduced, adapted, stored in a retrieval system or transmitted without the prior written permission of the copyright owner.
Modification of the materials for any other purpose than provided under this notice is a violation of Licensing for Accountants' copyright and other propriety rights. All trademarks, service marks, and trade names are proprietary to Licensing for Accountants.
Licensing for Accountants has used reasonable care and skill in compiling the content of this material. However, Licensing for Accountants and the editors make no warranty as to the accuracy or completeness of any information in these materials.
This diagnostic is intended to be a guide only and no part of these materials is intended to be advice, whether legal or professional. You should not act solely on the basis of the information contained in this diagnostic as part may be generalised and may apply differently to different people and circumstances.
Limitation of liability
To the extent permitted by applicable law, Licensing for Accountants, its employees, agents and consultants exclude all liability for any loss or damage claims and expenses including but not limited to legal costs, indirect special or consequential loss or damage (including, but not limited to, negligence) arising out of the information in these materials.
Where any law prohibits the exclusion of such liability, Licensing for Accountants limits its liability to the resupply of the information.


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Archives for July, 2013
RootsMagic Introduces Problem Alerts
As I teach RootsMagic classes or webinars, I'm surprised how often somebody will say "I didn't know that feature was in there". One such "unknown" feature is RootsMagic's problem list. The existing problem list (found at Tools > Problem Search > Problem List) scans everyone in your file to try and find any potential data […]
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subset: commoncrawl


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Badrinath [1] is a Hindu holy town and a nagar panchayat in Chamoli district in the state of Uttarakhand, India.
Badrinath is the most important of the four sites in India's Char Dham pilgrimage. Badrinath is in the Garhwal hills, on the banks of the Alaknanda River, at an elevation of 3133 m. Badrinath Temple is the only temple which is the part of both Char Dham and Chota Chardham.
Get in[edit]
The nearest airport is the Jolly Grant Airport near Dehradun, about 317 km from Badrinath. The nearest railway stations to Badrinath are at Rishikesh and Kotdwar, which are at a distance of 297 km and 327 km respectively. There is no direct bus/train to Badrinath. To reach Badrinath you have to first reach Haridwar/Rishikesh. Once you reach Haridwar or Rishikesh, from there you'll easily get the direct bus to Badrinath. Badrinath is approx 300 km from Rishikesh which takes around 10-12 hrs to reach.
Travel Route - Kedarnath – Rudraprayag – Karnaprayag – Nandaprayag - Chamoli – Birahi - Pipalkoti – Joshimath – Badrinath.
Get around[edit]
Located only a few kilometers from the Indo-China (Tibet) border, Badrinath is generally a two-day-long journey from either Kedarnath, the site that precedes it in the Char Dham circuit, or one of the main disembarkation points on the plains. Hemkund Sahib, an important Sikh pilgrimage site, is on the way to Badrinath, so the road is especially crowded during the summer pilgrimage season. The temple and its substantial surrounding village are accessible by road.Many people prefer to reach Badrinath shrine starting early morning from Joshimath have darshan of Lord Vishnu and return to Joshimath by evening to avoid any altitude problems
See[edit][add listing]
Do[edit][add listing]
origin of saraswati river, near mana village. this is said to be the origin of Saraswati river coming out and going underground again as this river is not visible anywhere from source upto Allahabad Sangam in UP where it is said to merge into Ganga river along with Yamuna river.Very close to visible river Saraswati there is a very small water stream said to be water from Mansarover Lake in Tibet.
Buy[edit][add listing]
Ancient coins, Wool, Ayurvedic medicine, Holy books, Counterfeit Electronic goods from China,sacred threads, sea shells, temple requirements, aarti booklets, colorful beads, and braceletes.
Eat[edit][add listing]
Indian and only vegetarian food. Non vegetarian foods are not allowed on this pilgrimage route beyond Rishikesh. There are several eateries around the temple some of which have decent eating atmosphere. Do not expect luxury as all business here are seasonal. All shops remains closed after the yatra season is over.
Drink[edit][add listing]
No alcohol permitted,but (illegal) marijuana, etc is widely available.
Sleep[edit][add listing]
Lots of hotels and Ashrams If you are low on cash you can always stay in Ashram,Food is also provided by ashrams. If you are adventurous you can bring along your tents and camp here. There are some local who can also provide you ready made tents to stay too.
Stay safe[edit]
Get out[edit]


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Here is where you will find updates and announcements from the administration.
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Bella Union is a label synonymous with quality, and the bill they compile to celebrate their tenth anniversary – split over two nights at London's Royal Festival Hall – is brilliantly representative of the variety abundant on its roster. Here, a sweet-toned chanteuse rubs proverbial shoulders with hairy Texan troubadours, and a Mercury-nominated Irish smooth-talker tickles the fancy of those in for a troupe of Danes plying a fine line in epic pop-rock.
The first night finds DiS running late, but we're assured Beach House are excellent; certainly, the Baltimore-based duo's self-titled debut album, due out next month, is quite a delight. They're followed on the huge stage by the rather-more-able-to-fill-it My Latest Novel. The Scottish five-piece's lovingly rendered indie-folk, peppered with huge swells of sound that edge towards being muscular enough to lift this expansive venue's roof clean off, surges it way to the cheap seats with masterfully controlled power and precision. Nothing's cluttered nor overly busy, despite the potential for a rather too scrambled mix when choice cuts from their Wolves album are presented in this live environment. It all sounds quite special, actually, with its creators surely worth a higher billing. Then again…
Fionn Regan's set proves to be completely arresting. When he's playing with his very straightest face set tight, plucking at his acoustic with a tenderness rare in men young of age and short on patience, he's captivating for the 'right' reasons. The songs are carefully pieced together, the backing percussion subtle and a worthy embellishment on efforts like 'The Underwood Typewriter'. But it's when Regan strikes out solo that the fun begins: 'Be Good Or Be Gone' finds the singer unplugging his acoustic and wobbling his way to the very edge of the stage and screaming at those seated before him to join him in a sing-along. He succeeds, too, quite against the odds, as there's something very peculiar about seated shows like this – they rather strip the energy from you. Despite the questions of whether or not he's absolutely blasted out of his mind on booze or not, and if he's actually having fun, Regan proves without any doubt why his The End Of History album received the nod from the Mercury panel this year. It's a great folk record, and one that will serve as a great base for a brilliant career to blossom from.
The first day's festivities are brought to a climax by Australian indie-rockers Howling Bells. They, too, struggle to muster much in the way of enthusiasm for an audience that has to be coerced into climbing over empty seats and filling the first few rows, but nevertheless deliver a professional set. With only one album to draw material from, the Juanita Stein-fronted four-piece add a predictable (maybe) but pleasant cover to their set. Joined by Tom Smith of Midlands gloomsters Editors, Stein duets her way through Nick and Kylie's 'Where The Wild Roses Grow'. It's not bad, either, but would last longer in the memory if Smith hadn't attempted to mimic Mr Cave's unique tones. Out of their depth slightly though they are, upgraded to headliners only due to the absence of Explosions In The Sky, Howling Bells put up their dukes and rise to the occasion respectfully. One day, perhaps, they'll be able to play such venues on their own headline tours.
Day two is opened by one of Bella Union's newest signings Stephanie Dosen, whose southern (American) drawl inflects her wonderful voice with character enough to see her rise above the ranks of her singer-songwriter peers. While her songs can be best summarised as pleasant rather than essential listening at the meantime, there's lots of potential here; as tracks from her A Lily For The Spectre album drift into the Festival Hall's auditorium, they sink slowly and leave a mild but lingering impression. Like the most gentle, barely there snow, there's a beauty to her work that will ultimately build into something substantial, something that won't vanish at the first sign of a sunbeam.
The Kissaway Trail, mistakenly introduced by the compere for the night as 'The Faraway Trail', bring a healthy dose of bluster and bombast to proceedings, with songs from their self-titled debut of earlier this year actually hurting the hearing on more than one occasion. And hell, why not: this is a party, and no party's right without the odd pop and fizz and bang. Like Dosen, the five-piece aren't the finished article just yet – as reviews of their album testify, they're perfectly adept at their chosen profession but still rely rather heavily on identifiable influences rather than unique inspiration – but as songs like '61' and 'Smother + Evil = Hurt' threaten to blow the back wall into the Thames, all in attendance are suitably impressed with the quintet's widescreen approach to indie-rock songwriting. Once they allow a few of their own experiences to soak into their rehearsal space they'll have a potent recipe to wow even the most cynical critic.
And now for some honesty: this writer has never really 'got' The Dears. Sporadically gorgeous though the Canadian collective undoubtedly are, their albums to date haven't yet infiltrated our favourites at DiS. Also, live, they tread a fine line between wonderful indie-pop a la Built To Spill and crappy, wet-behind-the-ears pop schlock like Keane and The Feeling. Sorry, The Dears: maybe one day, perhaps sooner rather than later, we'll connect and all indifference will be forgotten. Tonight, though, The Dears simply fill an otherwise silent Festival Hall ahead of the night's headliners, Midlake.
Whose vocalist Tim Smith is in fine lyric-forgetting form. He's apologetic, but such is the room's shouted-out adoration for the Texan four-piece that he needn't worry about a couple of minor blips. Besides, the odd slice of the ramshackle only endears the group further to our hearts, a considerable achievement following the highly impressive The Trials Of Von Occupanther album they released last year, their second long-player following 2004's Bamnam & Silvercork. Like Howling Bells 24 hours earlier, Midlake are joined by a selection of guests. Romeo of The Magic Numbers does something or other during a run-through of 'Roscoe' (is he turned down, or even turned on?), and Paul Weller appears towards the set's end to rapturous applause. The centre of attention, though, remains Midlake: their star, unlike that of Weller, is absolutely in the ascendancy, and with the fine fellows of Bella Union on their side, it's only a matter of time before the match reaches the columns of heaven.
Here's to another ten years, then, and many more excellent albums and artists from across the musical spectrum.
All photography by Lucy Johnston. From top: Fionn Regan, Howling Bells with Tom Smith, Stephanie Dosen, Midlake's Tim Smith. Read our label focus on Bella Union here.


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iPhone Developer Creates App Criticizing The iPhone; App Is Quickly Pulled
from the don't-cross-invisible-lines deptMolleindustria is an app developer who makes a line of controversial and political games. Some of its more well known games include McDonalds Videogame, Operation: Pedopriest, and Oiligarchy. It just recently announced and released its latest game, Phone Story. This particular game takes the player through the cruel world of smart phone production using a series of mini games depicting the mining of coltan from the Congo using child labor, the suicides in the Foxconn factories and, of course, e-waste disposal in third world countries.
On top of all those themes, the game was to be released on the very platform it criticized: the iPhone.
It didn't last long on the platform.
Just hours after being approved, Apple yanked it from the app store for four separate violations.
15.2 Apps that depict violence or abuse of children will be rejectedThe key story going around the internet is that Apple is silencing a critic of its platform and business practices, and it's just using the iOS guidelines as a tool to do so.
16.1 Apps that present excessively objectionable or crude content will be rejected
21.1 Apps that include the ability to make donations to recognized charitable organizations must be free
21.2 The collection of donations must be done via a web site in Safari or an SMS
Let's put that aside and focus on something a little different: Apple's arbitrary code enforcement. According to Molleindustria:
I'm very familiar with the App Store policy, and the game is designed to be compliant with it.If Molleindustria took the extra effort to be compliant, how did they end up breaking those above rules? It's hard to say as even Molleindustria doesn't quite know.
If you check the guidelines, Phone Story doesn't really violate any rule except for the generic 'excessively objectionable and crude content' and maybe the 'depiction of abuse of children'. Yes, there's dark humor and violence but it's cartoonish and stylized - way more mellow than a lot of other games on the App Store.
Rules 21.1 and 21.2 are the easy ones to counter. Molleindustria did pledge that all proceeds from the app sales will be going to charity, but that is not done in the app itself. That is Molleindustria giving away the 70% of sales it earns to a charity. It was not asking any buyers to donate to a charity in the app or even outside the app. I guess Apple just didn't want to be part of the charitable aspect.
Rule 15.2 might be a sticking point. Molleindustria admits:
a new version of Phone Story that depicts the violence and abuse of children involved in the electronic manufacturing supply chain in a non-crude and non-objectionable way... will be a difficult taskYet, is depicting near real life conditions of child labor really objectionable? Would a news app reporting on child labor and showing a video of children in the working environment get a pass? Or is the problem that such a depiction is interactive in this case? It isn't like this game is a baby shaker app or anything. The child abuse depicted has an editorial purpose.
Finally, we come to Rule 16.1. Of the four, this rule is probably the most frequently broken by app developers as it is completely subjective by nature. What one app reviewer finds objectionable another would not. In this case, an app reviewer did not find the app objectionable or crude, but someone in Apple's leadership did. How is an app developer supposed to know what people they don't know find objectionable? I know many people who think the various "fart apps" or pimple popping apps on the app store are crude, and many others who think they are funny.
In Apple's case it is a matter of "it knows it when it sees it." Not really the best course of action.
Apple is no stranger to controversy over its arbitrary code enforcement. The first few years of the iPhone's life were rife with stories about apps being banned for doing nothing more than connecting people to content that is freely available online via the Safari browser. For that reason, it really comes as no surprise at all that it would attempt to silence a critic using arbitrary code enforcement.
There is also the possibility that Apple just doesn't think that Molleindustria is a professional satirist. The guidelines actually do have a code in place to allow such "professional satire" to skirt those other rules:
14.2 Professional political satirists and humorists are exempt from the ban on offensive or mean-spirited commentarySo what is it Apple? Is it okay to be mean spirited in our commentary as long as Apple is not the target? I guess so.
Filed Under: apps, iphone, phone story
Companies: apple, molleindustria


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My friend Adam Elkus recently asked what made Structural Equation Modeling (SEM) powerful for testing theories, besides the ability to test for null results.
This is my answer.
What I like about SEM is that it allows models to be created that better reflect theories than any other method I know. Other methods introduce a greater source of unmeasurable error — model error — than SEM, because those methods force you take your theories, translate them into another form, and then test those.
Take the example theory (which is crazy):
"While democracy exhibits substantial inertia — more democratic places stay more democratic, less democratic places stay less democratic — communication technology forces us to reshape our understandings of how democracy grows or declines. Within any community, the growth or decline in the strength of democratic institutions mediates outside international pressure entirely through smartphone connectivity.
"By strength of democratic institutions I mean such tings as average turn-over of political offices, number of political questions per year voters are asked to consider, the percentage of major editorials that our critical of government policy. By international pressure I mean UN resolutions that mention a country, statements by foreign ministers that reference a country, and number of applications for McDonalds franchise that were rejected. By smartphone connectivity I mean the fraction of the population that has smart-phones, the average number of web impressions per person to Wikipedia, and the average number of hours per day individuals spend playing Angry Birds.â€
OK, let's create the SEM for it. The generic measurement model for democracy, for time0 and time1 is (converted to a pseudo-Mplus language)
LATENT democracy0 (float);
MANIFEST democracy0 ONTO politicalTurnover0 (float); // [0…1]
MANIFEST democracy0 ONTO politicalQuestions0 (int); // [0…n]
MANIFEST democracy0 ONTO criticalEditorials0 (int); // [0..n]
LATENT democracy1 (float);
MANIFEST democracy1 ONTO politicalTurnover0 (float); // [0…1]
MANIFEST democracy1 ONTO politicalQuestions0 (int); // [0…n]
MANIFEST democracy1 ONTO criticalEditorials0 (int); // [0..n]
// … And
LATENT smartphoneConnectivity (float);
MANFIEST smartphoneConnectivity ONTO ownershipRate (float); // [0…1]
MANIFEST smartphoneConnectivity ONTO wikipediaRate (float); // [0…n]
MANIFEST smartphoneConnectivity ONTO angryBirds(float); // [0…24]
LATENT internationalPressure (float);
MANIFEST internationalPressure ONTO unResolutions(int); // [0…n]
MANIFEST internationalPressure ONTO fmCriticisms(int); // [0…n]
MANIFEST internationalPressure ONTO mcRejections(int); // [0…n]
// no time0, because we're assuming that smartphoneConnectivity0 completely mediates the change in democratic trajectory, that isn't the result of inertia
// OK, now we'd create our latent model
democracy0 LOADS ON democracy1; // the inertia of democracy
internationalPressure LOADS ONTO smartphoneConnectivity; // … smartphones mediate international pressure..
smartphoneConnectivity LOADS ONTO democracy1; // .. onto democracy
Because SEM allows us to so faithfully translate the model of our theories into the model of code, we now have a serious question that isn't obvious from the paragraph, but is more obvious when we're in he process of writing down
Because you see your theory in "code†(or matrices if you insist on the algebraic way to do this, which I've only used for class), it makes assumptions or mistake jump our more. Like in the first draft of this email I said that smartphones mediate onto democracy, but I didn't define what they mediated — hence the inclusion of international Pressure.
Using graphviz/dot, here is a picture of what our model "looks" like:
(A more common format is for a left to right flow of manifest predictor indicators, latent predictor factors, latent outcome factors, and manifest outcome indicators. The format above is chosen to fit well on my blog page, and impatience in taking time to make it look better.)
As I said, the theory's crazy — but SEM allows that theory to be translated into a model that can be directly tested, and frees us from having to waste our time with hacks like ANOVA, multiple regression, or dead theory disconnected from reality.


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Designer Interview: Clark Davis from Sprout
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Becky |
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Today we're sitting down with Clark Davis, creator of Sprout, a company that creates wonderful interactive furniture for creative kiddos.
Please tell me a bit about your background – what led you to creating Sprout?
I feel that my childhood had a huge influence on me as a designer/inventor/entrepreneur. I grew up in rural Utah, in a small community called Genola. I am the third in a family of eight. We didn't have any close neighbors until I was about 10 and we didn't have a TV growing up, so as kids we learned to entertain ourselves. This does great things for your creativity. All summer long we would build huts, bike trails, and rope bridges in the stand of trees down the road. Then come winter our free time was spent our time making lego empires. My mom would tell us that legos were made to make and break, meaning that the value was in the learning and creating processes more than in the final product. I think it is true.
As I got older I went from hand tools to power tools. I worked at my dad's cabinet shop where I gained alot of experiences in wood working. We also taught myself to weld and work with metal. I think it was my junior year in high school that my younger brother and I made steam engine out of old machine parts that we found around the cabinet shop and entered it into a science fair. I was very blessed with a great developmental environment: Lots of stuff (junk) to work with, parents that modeled a desire to learn, and the freedom to try with out mom freaking out.
I realize that not everyone has the same opportunities but I feel blessed that I did. I want to give some of that opportunity to kids growing up. So while every kids mom won't let him use saws and welders at a young age, I think I can bring the thrill of building your furniture (or at least having a part in it) to them. That is what legos did for me. Think about it. Legos let a 3-year-old kid become an inventor. They lower to barriers to creativity and allow real exploration. Not just role playing with stuff, or using stuff. But creating the stuff. How amazing is that? I love learning.
The world is the best classroom, if you learn to see it that way. As a child this is the natural and only way we learn. We shouldn't loose this ability to learn from everything around us. Overcome the fear of being wrong. We don't learn by being right, but trying, making mistakes and adapting.
Why the name Sprout?
I love the color Green! But really, sprouts grow – I love the imagery. I hope this product will help little sprouts sprout. Also, our products are designed to be eco-friendly. Recycled and local materials, little waste, made in the USA, smart cardboard packaging, compact shipping. I think there is beauty in simplicity.
I find nature absolutely inspiring and try to mimic the simplicity of nature when I design. One example is the way that our furniture assembles. While most designers use screws or nails, Sprout uses the natural flexibility of the wood to keep the parts together. We try to take advantage of the inherent properties of the materials we are using. Another example is the natural raw edges of the furniture. I wouldn't paint them if I could. I think that they naturally add to the aesthetic of the product.
How did you start Sprout and where is it going from here?
I first had the idea for an easy to assemble student desk about 2 years ago – at the time I couldn't make a desk at an accessible pricepoint for students so I started doing kid furniture. But in the future, we might (wink wink) have some student products coming.
What's your workspace like?
Just a few months ago I moved from the basement office gig to a studio and I love it. What a difference. It also makes it a little easier to bring on some other people. There are a couple of us working together and what a difference it makes. The studio, but has a skylight. Absolutely love the natural light.
Thanks so much to Clark for taking the time to wax philosophical with us today!
Hi, I'm Becky. I live in Atlanta. Besides acting as the Editorial Director here on Hatch, you can find me talking design over at Houzz. Make me happy — leave a comment!


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Marie Osmond is on the mend after a trip to the hospital on Wednesday night.
During her Las Vegas show with brother Donny Osmond at the Flamingo, her usually stellar voice hit a snag.
VIEW THE PHOTOS: Hollywood's Biggest Broods
U.S. & World
A rep for Marie confirmed to Access Hollywood that she was diagnosed with Bronchitis on Wednesday following her performance.
The 52-year-old also took to Twitter explaining what went wrong.
VIEW THE PHOTOS: Who Am I? The Celebrity Offspring Edition
"So the allergies went into a bronchitis. Didn't realize it until I went to hit the high notes last night on stage," she wrote on Thursday.
And with a little TLC from her husband, Marie's health appears to be improving.
"My cute hubby just made me an awesome steak on the grill. So now I've had protein and feeling strong," she wrote in another Tweet.
VIEW THE PHOTOS: Hollywood's Hottest Moms & Their Loveable Little Ones
Copyright 2011 by NBC Universal, Inc. All rights reserved.
This material may not be published, broadcast, rewritten or redistributed.
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VIEW THE PHOTOS: Celebrity Siblings
PLAY IT NOW: Access Extended: Taylor Armstrong Shares Details About Alleged Abuse That Landed Her In The Hospital
PLAY IT NOW: Gavin DeGraw On His NYC Assault: 'I Got Dinged Up, But I Lived Through It!'
More from Access: [ Marie Osmond Hospitalizations TV ]


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Former Apple global supply manager Paul Shin Devine has pleaded not guilty to charges that he took kickbacks from Asian parts suppliers in exchange for leaking information about unreleased products. The plot thickens, however, thanks to several suppliers offering contrasting reports on whether or not they paid kickbacks to Devine.
Devine made his plea in federal court Monday afternoon after having been indicted on 23 counts of money laundering, wire fraud, and accepting kickbacks of over $1 million from would-be Apple suppliers. He, in partnership with Singapore resident Andrew Ang, allegedly solicited payments from suppliers in exchange for confidential information about Apple products that would enable the companies to win contracts with the company.
Taiwanese company Pegatron said on Tuesday that it was "sorry" about the situation and that it was investigating Devine's involvement with one of its subsidiaries, Kaeder Electronics. According to a statement sent to IDG, Pegatron said that it was "surprised to learn of the alleged conduct." The company has already suspended one Kaeder manager that was implicated in the scheme.
At the same time, South Korea-based Cresyn told Reuters that it didn't have any inappropriate relationship with Devine, though the company did say that Devine was paid for "consulting advice" at some point in time. "Devine approached us first and offered to give us business consulting to help advance into the US market," a Cresyn official said. "We accepted his offer and received general information about US markets, and in return we offered him a small consulting fee. But this was based on a legal contract we made with him in 2007."
Several of the other companies accused of getting involved with Devine include Jin Li Mould Manufacturing, Nishoku Technology, and Glocom/Lateral Solutions and Fastening Technologies, though they appear to be staying mum for now.


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But how differently was Marie Thérèse treated from Madame de Montespan?
|The long-suffering Marie Thérèse
The King spent most of his time in the apartment of Madame de Montespan where he would do everything from meeting his ministers to dining with their children. Meanwhile the Queen had to be contend with seeing her husband when he decided to fulfil his conjugal duties.
Usually when travelling the Queen had once been reduced to sitting with both Madame de La Vallière and Madame de Montespan. This had been the case in 1673 when Louis XIV dragged the entire court to the front-line - at this time Madame de Montespan was heavily pregnant. But when Madame de Montespan had finally gained complete ascendancy she travelled with the King in his carriage. The Queen was from then on travelling alone or with her ladies in her carriage - behind the King's.
Once Versailles was finally completely finished the difference once again became painstakingly obvious. The Queen was given eleven rooms to make up her apartment on the second floor. Meanwhile, Madame de Montespan could dance around in no less than twenty rooms on the first floor.
|Madame de Montespan
Whenever the Queen and the maitresse-en-titre was out promenading their elaborate gown made it necessary to have someone carry their trains. The Queen had to make due with a simple non-titled page but Madame de Montespan had the honour of having her's carried by the Duc de Noailles.
It did not take long before Madame de Montespan even to take control over the Queen's closest circle. Marie Thérèse had been allowed 12 ladies-in-waiting when she became Queen of France. Madame de Montespan worried that having 12 beautiful ladies swirling beneath the King's eyes would be too great a temptation. The ladies-in-waiting were transformed to 12 dames du palais and Athénaïs soon made it possible to dismiss all twelve of them if only one transgressed.
At one point Marie Thérèse was reduced to imploring the favourite to not send a Spanish attendant of the Queen's home to Spain. As it happens, it had been Athénaïs who had had the attendant dismissed in the first place since she had insulted the mistress. Madame de Montespan agreed to letting the Queen keep her friend but the signal was obvious: the mistress outranked the Queen.
Despite these obvious humiliations the Queen never complained to the King. Her complete submission to the King's infidelities resulted in an odd kind of respect from Louis. Although he never treated her with more respect than a Queen should deserve upon her death Louis remarked: "This is the only trouble she has ever caused me".


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But during that first night in Mother's birthplace, I remember feeling afraid, though of what I did not know. Something old and unburied in the darkness, something closer to us now than ever before. I remember lying awake with Francis and hearing for the first time the scream of a rooster, my brother's hand pressed hard in mine. The sun still hadn't risen, and I remember looking at Francis, who lay beside me very still with his eyes wide open. I remember searching for a clue about our situation in some slight movement of his ear, or of his jaw, or of that expressive space between his mouth and nose. And when he caught me looking at him, he swallowed and nodded.
"Don't be afraid," he said.
Oh my goodness. This book. I don't know that I've read a book that made me feel more in 177 short pages. David Chariandy's Brother was highly recommended by three bloggers I trust, Anne @ I've Read This, Fiction Fan @ Fiction Fan's Book Reviews, and Naomi @ Consumed by Ink (links to their reviews if you click their names.) They did not let me down. It's a book that I could have read in a day or two but I deliberately drew my reading out longer because I wanted to savor the writing and really let the story sink in.
Set in Toronto, flashing back from present day to the 1980's and 90's, Brother is the story of Michael and his older, cooler brother Francis. Growing up in a part of town called Scarborough, home to immigrants from many nations, the brothers are smart but swimming against both the high expectations of their hard-working Trinidadian mother and the low expectations of their community. The specter of gang violence haunts their nightmares and impacts their waking hours too. Their father has disappeared and their mother works two or even three low-paying jobs but still doesn't have enough money to fix a rotten tooth. But the boys find small ways to escape and experience peace through food, music, and through visits to a nearby park called The Rouge Valley.
When we were very young, we'd build forts and hideaways in the brush, using branches but also cardboard and broken piece of furniture occasionally dumped here. We'd race twigs in the creek, spot the little speckled fish swimming together in the blowing current, hunt for the other small lives that had managed to survive in the park unnoticed. The tracks in the mud of a muskrat or a raccoon or maybe a turtle…. One fall we piled the stuff of this land over our bodies like blankets. Coloured leaves and pine needles, branches and the barbed wire of thistles. Also plastic bags and foil drifting down with smashed drinking straws and rushes. Our faces were already the colour of earth.
This is a coming-of-age story as well as a story about grief and identity. The possibility of young love gently permeates the tale, lending the narrative a bit of needed lightness. There is not a word wasted in this book. I marveled at Chariandy's craft in creating such a powerful story in so few pages. Small details, like a mother gently pinching her son's earlobe "lightly between her thumb and finger as if it were a raindrop from a leaf" are the kinds of things that made me want to linger instead of racing through the pages.
There is tragedy here, and the reader knows this from pretty early on, so I was bracing myself while simultaneously enjoying the beautiful, searing writing. Yet even with the devastating pain of loss there is still a note of tender hope here, that lives can be patched back up to form something new. This is Chariandy's first novel published in the United States, and his second novel overall (2007's Soucayant is one I must somehow find a copy of.) I am so thrilled that I learned about Brother from my blogger friends, and I hope that you will give it a try if you haven't yet read it. It's one of my favorite books so far this year.


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Quick Dancing with the Stars Partner Round Up
I'm sure I'm missing a ton of things that are happening with all the various stars and professional dancers on Dancing with the Stars 8. However, the traditional Hollywood media always covers every little bit of Dancing with the Stars. I just can't reasonably keep up.
Despite this major backup, I figured I'd cover a couple things I'd read recently that I thought were interesting about the coming season of Dancing with the Stars.
Let's start with this video of the handsome actor Gilles Marini and 2 time winner Cheryl Burke on ET:
I love that Cheryl Burke basically rips Gilles Marini for having a bad memory. Kind of surprising since actors should have a good memory after memorizing all those scripts.
Cheryl and Gilles also reveal that Cha Cha is their first dance.
On to Jewel…
I think one of the best reads throughout this season of Dancing with the Stars is going to be Jewel's blog. I only wish that it was a real blog and not some custom thing, but I'll leave the tech for my other blog.
Check out a couple recent posts about Jewel's pain in her knee:
I guess I really over did it on the rehearsal front! My knees have been hurting so badly that I finally broke down and talked to Ty's knee doctor yesterday. He said I have tendonitis in my knees and that I have to start a course of medicine to try and bring the swelling down. Yuck! It's mainly my left knee, and I can't believe I hurt it so badly… Ty warned me I was over doing it, and now he got a big ol' 'I told you so' in. The worst part is that I can't rehearse for the next couple days. It was just so fun to dance 8 hours a day- especially considering I only had 3 weeks to cram not only for my first dance- cha cha, but to learn the fundamentals of about 6 other dances that I will have to know. But now I'm just worried I won't even be able to dance! Hopefully these steroids will really do the trick and I can keep bad flare ups at a bay in the future.
Looks like Jewel will be dancing a Cha Cha at the DWTS premiere. I wonder if she'll have to be tested for performance enhancing drugs (steroids) before she can compete.
You'll also love this tidbit where Jewel says she'd happily lose Dancing with the Stars in return for being pregnant.
yesterday on the Billy Bush show, Ty said that he thinks his best chance of beating me is if I get pregnant during the show so I would be too tired to dance! Talk about a strategy! Haha… Of course, that would be fine with me if it did happen, so either way would be a win!
Belind Carlisle is comparing herself to Marie Osmond's experience on DWTS:
Belinda is also taking a page from former "Dancing with the Stars" competitor Marie Osmond in that she has the same partner, is on the NutriSystem diet and will be juggling concert dates at the same time she is on the hit ABC series.
"I figure if Marie can do this and shows at the same time so can I. She's my role model right now," she says. Then she jokes, "I can eat a lot more NutriSystem snacks now. It all helps and I love to eat."
I wonder if Belinda will decide to faint like Marie as well.
Finally, a few quick hits about Shawn Johnson on DWTS.
At 4 feet, 10 inches, Shawn Johnson, who turned 17 in January, was sure that her height would keep her from competing on the hit ABC series, so she says she was honored and surprised when they came to her with an offer.
She has been paired with Mark Ballas, who won the competition with Kristi Yamaguchi — also an Olympic gold medalist, but says that he had to ask her to wear three-inch heels in order for them to partner up.
"I am used to being barefoot [to perform gymnastics], so it is awkward," she admits.
Shawn admits that she's used to long hours in the gym and so that helps when doing the long hours on the dance floor. She also said that her first dance will be a Viennese Waltz.
Finally, don't expect Shawn Johnson to be sharing any outfits with Edyta.
"They've actually said that since I'm younger I have to be a little more covered up than usual, just to make sure it's age appropriate, which I don't have a problem with, I'm used to being in a leotard, that's pretty revealing," she says.
"Dancing with the Stars" premieres Monday, March 9 at 8 p.m. on ABC.


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Music Notes: Jack White, Michael Franti, fun.
Jack White revealed a new invention for the 3rd anniversary of his Thirdman Records, the world's first ever 3rpm vinyl record. He'll release 12″ versions of his label acts First Aid Kit, Laura Marling, Tom Jones, Wanda Jackson and White's bizarre collaboration with Insane Clown Posse.
He says:
"The world's first 3 RPM record is a study in contradictions– it's cut at the slowest speed yet it plays faster than anything you've ever heard. It's a compilation of 7 inch records but it's packaged like a 12 inch. But the 12 inch sleeve is made like our 7 inch sleeve (as it is one continues piece of paper folded in half and put into an acetate sleeve). It's easy to play but impossible to hear. You put your finger on it to slow it down and we estimate it would take 333 days of 33 hours training per day for your finger, hand, and arm muscles to spin at a continuous speed of 3 rpm for X hours and X minutes."
Hmm, wonder if he'll be selling any at Hangout Fest?
More info at Thirdmanrecords.com
Michael Franti tells Rolling Stone he and Spearhead are working on a new album for possibly Fall release that will be a departure of soundscape for him:
This album is a lot harder and more aggressive," Franti tells Rolling Stone. "There are some songs that are just acoustic guitar and nothing else, but the ones that aren't like that are louder and at times more punk rock, with dance beats to them."
via Rolling Stone
New arrivals to the scene Fun. enjoy another week at number 1 on the Billboard Hot 100 chart, the fourth week in a row. But what about their band name?
"I love this bandname, but th epun is killing me."
"What kills me the most is the apologies, like that show was really fun. uh, I'm sorry, uh."
"If we ever end up in like the type of mainstream where newscasters are talking about us, it'll be disastrous."
\\posted by lee.ann//
[catlist tags=jack-white] [catlist tags=michael-franti] [catlist tags=fun]


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logo whatsapp png transparent
You can get acquainted with the presented collection of logo whatsapp png transparent to choose suitable ideas for your business or design interface.
Today we have 10 cliparts and vectors for this category.
Advice on how to make a good presentation
Pay attention to your breathing during the performance
There are several things you need to learn about the art of presenting to an audience. Let's enlist there this time around. In the same time, let's ensure you that all this can be learned when exercised, rehearsed enough times.
- Body language: it's essential for you to learn how to stand properly and where to keep your hands while talking. Rehearse in front of a mirror or to record your presentation then correct your mistakes accordingly.
- Intonation: you can learn the proper intonation which means when you have something important to say, when you want your audience to feel certain emotions and also if you want them to surely remember of what you have to say.
Breathing while talking: When we are beginners we tend to get to talk up until the point we are out of breath. Learn to control your breathing and always take time to breath after each sentence.


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Beautiful photographs for Jon's birthday ...
I am curious to know, if the plate with the kiwi cake on it happens to be
from the ARABIA line from the seventies?
Greetings from Frankfurt
Nice sotd easyfish! I used to love Pour un Homme but few months ago something changed in my olfactory preferences and I can't wear it anymore. The big bottle sits lonely deep in the wardrobe... There's still 90-100ml in it...
Happy birthday!
You smell fantastic today.
I love Cristobal!
Thanks for your birthday wishes in the SoTD thread yesterday!
Happy Birthday!
Vielen Dank für die freundlichen Glückwünsche!
You smell mighty fine ... Xeryus Rouge is an old fave of mine!
Dosn't get the love it deserves, right?!
Many thanks!
Basenotes Institution
Basenotes Plus
Im not old: Im vintage.
Basenotes is an online guide to perfume and fragrance, featuring news, a database of fragrances, perfume glossary, fragrance forums, user reviews and more.


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Designer Andy Martin's gorgeous glossed shelves may look sophisticated, but their art actually just dressed-up versions of the stacked brick block shelving he and his peers used to assemble in their college dorms.
"When I was a student, in Sydney, in campus accommodation with three other students we built brick shelves everywhere, they ended up forming the walls between us," Martin told MocoLoco. "In later years they evolved intomirade of painted and graffiti structures which dominated our space."
Martin's "Undergraduate" shelving bricks are CNC (computer numerical control) carved from fast-grown timber, then lacquer-coated to give them a more grown-up, dressed-up appeal. A flexible rubber puck fits into a center slot carved into each block, holding them together tight.
The click-and-lock ease with which these shelves are assembled allows for all sorts of patterns, shapes, and configurations. [MocoLoco]


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Stephen King's "The Stand" was on television again over the weekend. It's a terrifying tale of good vs. evil peppered with all kinds of nastiness. One scene in particular leaves me cowering. Nadine Cross, the "bride" of Satan, knows she is damned, and as the elevator doors close, she warns in a slow, measured monotone: "We... are... dead..., and... this... is... Hell."
Stephen King's "The Stand" was on television again over the weekend. It's a terrifying tale of good vs. evil peppered with all kinds of nastiness. One scene in particular leaves me cowering. Nadine Cross, the "bride" of Satan, knows she is damned, and as the elevator doors close, she warns in a slow, measured monotone: "We... are... dead..., and... this... is... Hell."
It's scary, but it's fiction.
Or is it?
My mother, a devout Catholic, nonetheless didn't believe in an everlasting Hell of fire and brimstone. Hell, she said, was living through years of trouble and sorrow - and she had more than her share of that.
We'll be sent back again and again, she believed, until we have created heaven on earth.
If my mother's theory is correct, and it makes a lot more sense to me than what I was encouraged to believe by the nuns in grade school, the human race has a long way to go before we've earned our paradise.
The human animal is, by varying degrees, stupid, selfish, stubborn, egotistical, and brutal; loving, caring, generous, and kind.
I like to believe that one day the best of our traits will float to the top and, as the Bible says, "the meek shall inherit the earth." But looking at world events, that day seems a long way off because of the most unforgivable of human traits - indifference.
What we should be doing seems simple enough. Every child should be cherished as the miracle they are and nourished with love, food, shelter and education until they are grown and have children of their own - a perfect cycle of life.
That cycle, over time, would breed out the less admirable human traits, and we all share the responsibility to see that happens. Unfortunately, the burden isn't being shared equally.
Oh, I know. You're thinking not everyone has a life filled with sorrow and hardship. The fortunate should carry a heavier burden. And you're thinking some are born into wealth. The wealthy should carry a heavier burden.
And you're thinking people who have children knowing they're not emotionally or financially able to care for them should sleep in the bed they made for themselves. And you've got enough to worry about without adding the children of your drug-addicted neighbor to the list. And it's not your fault the bottom fell out of the economy and left half your neighborhood unemployed.
Nope. The children in those families are not our responsibility.
But if the shared human goal is a peaceful world, and I think it is, every child, whether in Darfur or next door, is a shared responsibility. Children are less likely to turn to violence if they are sheltered, fed, clothed and educated.
Yet even the president of the wealthiest country in the world refuses to acknowledge the connection between poverty and violence.
President George W. Bush could have set a good example for the world's budding democracies, roiling theocracies and murdering dictatorships over the past seven years by using this country's wealth for good. He could have increased access to education, health care, and affordable housing - three core needs that shamefully aren't being met here despite the wealth.
He could have championed for peace and prosperity in this land and others. Instead, he chose war and insured a life of poverty and hardship for another generation of children here and around the world.
We don't have the power of the president. But we do have choices. We can remain indifferent to human suffering or we can, starting with this holiday season, open our hearts and minds to the needs of others.
Donate a few dollars to a food pantry, choose the name of a needy child off the giving tree at your local church or bank, purchase an extra toy or two for the Christmas collection, share your holiday dinner with an elderly neighbor who is alone, shovel the walk of a disabled neighbor.
If we tear down that wall of indifference, we could create heaven on earth.
Deb Gauthier can be reached by e-mail at email@example.com.


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In order to sort out the proper application of the discussion on divorce in Matthew 19, one must take into account several contextual indicators. First, observe that in the context of the passage, Jesus addressed Himself to Jews (vs. 3—"Pharisees")—not Christians. He answered their question: "Is it lawful for a man to divorce his wife for any reason?" (vs. 3).
Second, if Jesus' answer applies only to Christians (as some claim), then He did not help His Jewish inquirers and, in fact, He completely dodged their question. But He made clear that His answer did apply to them and to everybody else, for three reasons:
Though (a) during certain time periods (e.g., Mosaic), people grew lax in their sensitivity to this Divine guideline, and though (b) God "winked at" this lax behavior (Acts 17:30), such is no indication that people today are free to ignore the laws of God on divorce and remarriage (Hebrews 13:4).
Third, notice the disciples' reaction to the stringent nature of Jesus' declaration: "[I]f the case of the man be so with his wife, it is not good to marry" (vs. 10). In other words, if a man is obligated to remain married to his first spouse (with the only possibility for divorce and remarriage being the sexual unfaithfulness of that mate), then the man ought to think twice, deliberating long and hard, before he decides to get married the first time. In marrying, he is committing himself to a lifetime with the same woman (in God's sight). It may very well be preferable to live single than to risk permanent marriage to a mate who creates misery and is unpleasant to live with (but who remains sexually faithful). This is the gist of the disciples' remark to Jesus. They understood Jesus' instruction to be very restrictive. But they then drew an erroneous conclusion by proposing the propriety, even priority, of celibacy.
Fourth, in response to the disciples' remark, Jesus noted in verse 11 that not everyone can live as they suggested (i.e., single and celibate). The implication is that some, more than others, possess a greater need for companionship and the sexual relationship that accompanies that marital companionship. (Notice that sex is perfectly permissible in God's sight—after all, He designed it! But, if one desires to indulge, the participant is under obligation to conform to divine guidelines, limiting and confining sexual activity to a scriptural marriage relationship). Jesus then elaborated upon three classes of men (vs. 12) who would be able to pursue the celibate life which the disciples proposed: (1) those who are born physically defective and, consequently, are unable to function sexually; (2) those who are born physically normal, but who are then surgically rendered unable to perform sexually. Though odd to the modern mind, it was a common practice in ancient cultures to render impotent various individuals who sought to function in official capacities, e.g., wards in charge of royal bedchambers, servants who lived in the palaces of royalty, etc. (cf. Genesis 37:26; 40:2,7; Daniel 1:3; Esther 1:10; 2:21; 1 Kings 22:9; 2 Kings 8:6; 9:32; Acts 8:27); (3) those who simply choose to forego sexual relations and marriage in order to devote themselves completely to religious matters (like Jesus and Paul).
Fifth, Jesus' concluding statement, "he that is able to receive it, let him receive it" (vs. 12), pertains to that which He had been discussing, i.e., the choice to live celibate. He could not have been referring back to the statement of verse 9. Such would be a contradiction. For, on the one hand, He would have been declaring emphatically that those who divorce/remarry unscripturally are guilty of committing adultery, and then, turning right around and minimizing this declaration by suggesting that a person does not have to abide by the stricture if he does not want to. If people are free to decide their own guidelines for marriage, there was no need for Jesus to have even mentioned the matter in the first place. But when has God ever laid down any regulation with the implication that men do not have to obey if they do not wish to? The "saying" (vs. 11) with which He took issue, maintaining that it should not be set in concrete or urged upon mankind indiscriminately and universally, was the saying of the disciples—that men ought to refrain from marriage and live celibate lives. Jesus' statement in verse 9 is clearly universal in its application and import. The disciples' statement in verse 10 is clearly limited in its scope and application to the three classes of individuals that Jesus delineated. Only those three categories of persons are in a position (physically, and/or mentally) to "receive this saying" pertaining to abstinence from marriage.


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Shake before using
Occupied by Indian tribes and Spanish settlers for centuries, Miami exists officially only since 1896. The rise to international stardom was meteoric. And there's really something different about this place filled with rhythm, colours and flavours.
For starters, it is the only great city in the United States to have been founded by a woman. Nicknamed "The Mother of Miami", businesswoman Julia Tuttle was one of the main sponsors of railroad expansion in the region, in the final years of the 19th Century. A statue of Mrs. Tuttle was raised in Bayford Park to celebrate her heritage.
In the first decades of the 20th Century, the boom in population and infrastructures accompanied the birth of a symbolic bastion of American architecture. The famous neighbourhood of South Beach was reborn after the earthquake of 1926 as the largest art deco concentration in the United States. With bright coloured buildings along the beach line and a profusion of world cuisine spots, this is still one of Miami's hip places.
Another trademark of "The Magic City" is the strong Hispanic community, which became influent from the 1960's on. The multicultural side of Miami comes alive especially in Little Havana. In Calle Ocho, the neighbourhood's main street, you'll come across art galleries, coloured murals, the strong scent of Cuban coffee coming from ventanitas (open windows) and old folks playing domino in the park.


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View your child's medical records and schedule appointments through our secure, online portal, day or night.
Electronic Health Record
MyNemours is your free, personal access to select areas of your child's medical record, including test results. It's also your key to direct, confidential electronic communication with your child's Nemours medical providers.
With MyNemours you can:
- schedule an appointment
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- view and print select medical information like your child's growth chart or immunization record
- manage health care information using your computer, iPhone or Android mobile device
How to Sign Up
A parent (or legal guardian) can sign up for MyNemours to gain online access to portions of your child's medical record.
What You'll Need
- internet connection with an updated browser (Internet Explorer)
- a valid email address
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How Do I Get an Activation Code?
Nemours registration staff can create your MyNemours account during your next visit. Or, you can Request an Activation Code online, provide the neccessay information and receive an activation code via email within 3 days.
Once your account has been created, you will use the activation code to create your MyNemours user name, password and security questions below. The activation code will expire within 60 days.
Get Started With MyNemours
Create Your MyNemours Account »
Note: You will first need an activation code to create an account.
To access MyNemours on your iPhone or Android, just download the MyChart app and select "Nemours."
Frequently Asked Questions
MyNemours is only available to patients and their parents or legal guardians.
Each user has a personal MyNemours account with a unique ID number and password, which means a family could have three different accounts (for you, your child and your spouse), with three different passwords.
Nemours requires proof of guardianship in the medical record for access to be granted to the Legal Guardian. This can be the Delaware Care Giver form or appropriate court documentation.
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- At age 18, your child is legally an adult and MyNemours access for the parent will automatically terminate.
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Parents, Legal Guardians and Patients can grant access to MyNemours for other individuals by filling out the "Authorization to Disclose PHI to a Name Individual via MyNemours." This form is available at Nemours and must be filled out in person.
No, you will have one MyNemours account and will be able to access each of your children's information within that MyNemours account.
An adult patient can fill out the "Authorization to Disclose PHI to a Named Individual via MyNemours" form to grant the parent continued access. This must be done in person. If your adult child is of Diminished Capacity, please speak to your child's provider regarding continued access.
MyNemours is owned and operated by Nemours and we do everything we can to ensure confidentiality.
MyNemours is:
- controlled through secure activation codes, personal IDs and passwords
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Your name and email address are treated with the same care and privacy as your child's medical records, and will never be sold or leased by Nemours. For more information, please read about our privacy practices.
When you bring your child for a visit to a Nemours pediatric hospital, specialty clinic or primary care office anywhere in the U.S., the encounter is automatically recorded in our secure electronic health record system.
MyNemours online medical record access allows you to:
- Collaborate with your child's medical team. Ask questions about a test result, request appointments and prescription refills, provide updates on your child's health status, and receive feedback within 3 days. Please note: MyNemours is not intended for emergency or urgent situations. If you have an immediate concern call your child's doctor or, in the event of an emergency, dial 911.
- View your child's imaging and lab results. Review certain results like blood work and imaging studies. MyNemours will display results 4 days after Nemours have received the final result.
- Access your child's health summary. Browse, download and print parts of your child's medical information, like letters, immunizations, and growth charts. Use these documents for your personal records or to share with other care providers.
- Browse KidsHealth, America's most trusted source for pediatric health information. Read personalized information about your child's medical condition, relevant health and wellness topics, checklists, videos and much more, all written in a personable, easy-to-understand format.
Most providers' notes are available for patients age 0-11. Provider notes will not be available for patients between 12 and 17 years old, this is due to federal and state law that require us to protect certain aspects of an adolescent's medical records. However, you can see the encounter's diagnosis, vitals, patient instructions, follow up instructions and orders that were placed during the visit. This is found in the Past Appointments section.
You can expect a reply to MyNemours messages within 3 business days. MyNemours should not be used for urgent requests. Please call your child's provider for urgent matters, or call 911 in the event of a medical emergency.
If you'd like to make an appointment online, use the "Schedule an Appointment" menu, within the Visits menu, and choose the Reason for Visit or Provider to schedule with. If you'd prefer to simply place a request for an appointment and have one of our schedulers set up the appointment for you, choose the Schedule an Appointment menu and choose the "Other" Reason for Visit.
Yes, you will find a printer icon in the upper right corner of the page in most areas of MyNemours. This allows you to print things like the immunization record, upcoming appointment information and the Wallet Card.
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You can use the "Forgot Username" link on the MyNemours Sign In page to retrieve the login ID. You will be required to enter your first name, last name, email address and date of birth. This information must match your MyNemours account information. Once entered, the system will send an email with your current MyNemours user name.
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Contact MyNemours technical support if you have:
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- Not all test results can be accessed online. In some cases, your physician may want to share this information with your family in person. If you have questions about a test, go to the Messaging menu and choose Ask a Question and send your provider a Non-Urgent Medical Question or call your child's physician.
Contact MyNemours Technical Support
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Okay, Rob... here's one from today.Mike.
Rob, I was thinking: don't know if it's possible to correct the OP title but maybe without prejudice is "too short" and some users that would like the idea would not see the thread.Because it's a good idea loaded to be a big thread.The thing could be: without prejudice: post your pictures that aren't aimed to criticsomething like that, don't really know with mny englisn but, a more journalistic title?
jealous type.
Intentional or not.....great pun
2 Toreros.
Hallowe'en GhostsIn honour of the day and all... Could put this in the 'Clouds' thread I suppose.Mike.
Great cropping in the first one, and the embarrassment of being the fancy dressed palooka in the second one is, in itself, enough to end the practice even beyond Cataluña!The faded out background in the second one gives it a sort of old-fashioned photograph look... you haven't copied a Capa, have you? ;-)Rob C
spirit in the sky? Norman Greenbaum?...image : morning coffee


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Thermoplastic Polyurethane Wrap Around Case For Samsung Galaxy S6 Edge Colorful Paisley Green
Model Number: 3DSS6E-261
AED 89.00(Inclusive of VAT)
Deliver to Dubai
Change Area
Delivered by Tue, Jul 21when you order in 21 hrs 8 mins
Sold byLoud Universe
Always In Stock
Ships On Time
How are the scores calculated?
A seller must receive a minimum number of orders over the past 3 months to be rated.
What does Always In Stock mean?
A seller with a 100% "Always In Stock" score, will always have stock to fulfill your order, meaning your orders will not be cancelled due to stock shortage.
What does Ships On Time mean?
A seller with a 100% "Ships On Time" score, will always ship your orders on time, meaning you will not face any delays and will always get your orders on the promised date.
- FREE RETURNSGet free returns on eligible items
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- CONTACTLESS DELIVERYYour delivery will be left at your door, valid on prepaid orders only.
- Overview
- Sturdy exterior protects the device from scratches, dust, collision and abrasion
- Designed to perfectly and snugly fit your device
- Slim profile adds minimum bulk to the weight of the phone
|Brand Compatibility
|Colour Name
|Colorful Paisley Green
|Country of Origin
|United Arab Emirates (UAE)
|Model Name
|Model Number
|Phone Case Material
|Thermoplastic Polyurethane