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Principles for Human Rights in Fiscal Policy
The Principles for Human Rights in Fiscal Policy are a ground-breaking normative tool that distills the key human rights principles applicable to tax and budget policies and translates them into more concrete guidelines for the design, implementation, and assessment of fiscal policies. Based on a rigorous analysis of different legal and normative sources, they provide a clear, specific framework that can strengthen the accountability of governments, and help States to establish prioritization criteria in the distribution of resources. In turn, this could help strengthen the redistributive potential and efficiency of fiscal policy, provide alternatives to the imposition of fiscal austerity policies, and prevent social crises resulting from cuts in public resources.
The Principles are the product of a collective effort led over several years by eminent human rights and fiscal policy experts from Latin America, and steered by a group of civil society organizations (CESR among them) who came together to form the Initiative for Human Rights Principles in Fiscal Policy.
The content of the Principles was also informed by a series of dialogues and consultations with different groups and social movements (including Indigenous and afro-descendant groups, feminist movements, and trade unions) in the countries of the region.
When people demand more investment in public services, living wages, safer housing or more comprehensive social protection, it is very common to hear governments respond that: "we simply can't afford it". Similarly, refrains such as "austerity is the only option", or "we need to cut costs and balance budgets" are a constant chorus.
However, these economic dogmas have failed to deliver their supposed benefits, while successive global crises –including the COVID-19 pandemic– have exacerbated inequality, increased poverty and called conventional economic wisdoms even further into question. People around the world are more vocally decrying the fact that fiscal policies have been formulated without considering people's real needs, and without paying attention to human rights commitments which are designed to protect dignity and ensure greater equality.
The problems stemming from the disregard of human rights in fiscal decisions are especially serious in Latin America and the Caribbean. The region is characterized by gaping inequalities, recurrent economic crises that have been used to justify severe austerity measures, the under-regulated exploitation of natural resources to the detriment of people and planet, stubbornly high poverty rates and widespread corruption.
The Principles aim to fill an important gap, bringing human rights standards and principles into discussions and decisions about fiscal policy in a concrete and tangible way. The Principles show that there are more progressive alternatives to mobilize resources, but moreover they show that there are binding rules requiring fiscal policies to be made from the perspectives of equality, accountability and justice, putting human rights at the center.
The development and dissemination of the Principles is part of a broader convergence of human rights and fiscal justice movements in Latin America. A groundswell of different actors are seeking out new ways of collaboration and coordination that enables a more profound challenge to the narratives and actions of economic elites and other powerful actors. With their basis in human rights law, the Principles can be a powerful tool to advocate for transformational fiscal measures that are needed to avoid massive breaches of rights – such as taxes on wealth and so-called excess profits; correcting gender and other biases in tax systems; strengthening social protection systems and basic income programs; eliminating unjust and unnecessary fiscal privileges; and combating tax evasion, avoidance and fraud.
In addition to highlighting the potential that fiscal policy has for the realization of human rights, this project aims to encourage the use and implementation of The Principles by regional, national and local actors.
The Initiative for Human Rights Principles in Fiscal Policy is led by a Steering Committee and a Committee of Experts.
The Steering Committee (SC) is composed of a group of organizations and networks with extensive experience in the fields of human rights and tax justice in Latin America and the Caribbean. The organizations provide expertise on issues of financial transparency, budget analysis, combating illicit financial flows, development financing, gender equality and monitoring human rights, among other things. The Steering Committee includes:
- Centro de Estudios de Derecho, Justicia y Sociedad, Dejusticia - Colombia
- Asociación Civil por la Igualdad y la Justicia, ACIJ - Argentina
- Centro de Estudios Legales y Sociales, CELS - Argentina
- Center for Economic and Social Rights, CESR - International
- Fundar, Centro de Análisis e Investigación - México
- Instituto de Estudos Socioeconômicos (INESC) - Brasil
- Red de Justicia Fiscal de América Latina y el Caribe, RJFALyC - Latin America & the Caribbean
As part of the SC and as the Secretariat of the Initiative, CESR exercises overall coordination of the project and carries out the core operational, communications and dissemination tasks.
The Committee of Experts brings together people from different disciplines and countries in the region recognized for their expertise and authority in the fields of fiscal policy, financial and tax law, human rights, constitutional law and other relevant disciplines. The Committee is responsible for the adoption of the Principles and Guidelines, after a process led by the Drafting Committee sub-group, who compiled the document based on an extensive review of existing legal and normative sources.


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2021 Fashion: Stay-In to Break-Out Style
From a style-perspective, 2020 has been boring. This has left many of us needing inspiration on indoor loungewear styles that you can wear out and still look good. Here are my top 2021 picks! These styles work great while stuck indoors but are super cute and fashionably put-together, even if need to venture out 😉Read More

subset: commoncrawl


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On recent redeye trip across the country, I decided to bump up my flight to business class. This was done in an effort to get some shuteye on the long flight but also, selfishly, to get a peek inside the Vancouver Maple Leaf lounge for a review. Here's how it looks:
As I was flying within Canada, this peek inside the Vancouver Maple Leaf Lounge takes place in the terminals domestic location. It is located shortly after security in the domestic wing
Amenities inside the Vancouver Maple Leaf Lounge are pretty standard for domestic lounges. Similar to what I found in Edmonton Maple Leaf Lounge, there are comfy chairs, a quiet area, and business Center. More importantly, Wi-Fi is free and the bar is stocked.
Food and Drink
I was let down by the food inside the Vancouver Maple Leaf lounge. As we were taking a late redeye flight I assumed I would hit dinner service in the lounge. Instead we found bean salad, split pea soup, and hummus. Pretty much everything you don't want to eat before getting on the five-hour trip in a pressurized metal tube. On the plus, Guinness is on tap and is self-serve.
At least the drinks were plentiful inside the Miami Avianca lounge.
How to get in
Similar to the Toronto and Edmonton Maple leaf Lounges, getting inside is included in your business-class or higher ticket…even if books on points. If you're not flying business class, you still have options:
- Air Canada Maple Leaf Club – You can purchase an annual membership that will give you access to Air Canada and affiliated lounges. ~$ 375+ per year
- For a small fee ($25/$50) you can purchase access inside the Edmonton Maple Leaf Lounge when you check-in online.
Inside the Vancouver Maple Leaf Lounge Good to Know
Includes: Food, drink, and preflight cocktails.
Don't Miss: the bar.
What say you?
Thoughts on inside the Vancouver Maple Leaf Lounge?
Let's hear it!
For more luxury travel reviews from Istanbul and beyond see HERE.
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Back in February 2008, Google made an announcement that could help hundreds of homeless people in San Francisco get back on their feet. Every single homeless person in the city would be given a life-long phone number and voicemail, should they choose to accept it. Google partnered with the city of San Francisco to provide the service to homeless individuals and to shelters so they can distribute the numbers to their clients. It worked so well (there were thousands of signups), they did it twice.
How did this work? The move by the city and the company allowed a homeless person to call in for his or her messages from any phone. Having this number would enable someone to reconnect with their loved ones, see a doctor, or fill out a job application, which asks for a call back number. The cost is nothing, and the messages can be retrieved from any phone. The users were able to leave personal greetings, and the numbers are theirs forever. That way, there's no humiliation attached, nothing that says they're homeless; it appears like any other voicemail—perhaps making them more likely to find work, and improving their morale by reconnecting with society.
Some people dismissed this as marketing hype, and criticized it for taking credit from other smaller companies who've done it before—like a Seattle nonprofit organization called Community Voice Mail, who offers similar services nationwide to homeless people, disaster victims, and others in need. However, those companies don't have the cultural relevancy Google has, and Google knows it. What's notable and bold in its strategy is that they gave the homeless free access to a free service, one that's already been accessible to them by other, smaller companies for years.
This is an extraordinary example of how designers can use their eclectic minds to empower the community that we live in.
For those of us who live in New York City and San Francisco, we're confronted by the homeless issue every day—more than 39,000 people, including 16,500 children, sleep in NYC municipal shelters every night. The city attributes most of the rise in homelessness to the economy. How are they solving this problem? Not well. The Bloomberg administration, which has struggled with the homelessness problem for years, has paid for more than 600 families to leave the city since 2007.
Since the economic downturn, many people have found themselves in unexpected situations. Help seems far away, so far that a free voicemail might seem like empty rhetoric. You can't get work when there's none available.
When I walk past a person who's asking for money, many questions and concerns arise: Do I help another human being who's in need? Am I helping out of altruism or is it self-guilt? Do they "deserve" it? Will they use it for drugs or alcohol? I think we all come across this difficulty. My dear friend, Aaron, never gives money, but instead buys them a meal at the nearest café or fast food joint. I admire his courage and goodwill. To think of how many times I don't do anything brings me a feeling of bewilderment.
But how can we help? At COLLINS:, we talked a lot about the idea that "everyone is a designer," that design can be used as a tool for how we structure, help, and inform the world around us—and that anybody and everybody can attribute to this. We can't all be Google, but there are things that all of us, myself included, can do to make a small difference. Therefore, here are some quick ways we can help the homeless with small acts:
1. Donate items for the homeless. Set aside used clothing, and toys. You can donate bags of groceries, and personal items such as new toothbrushes and toothpaste, too.
2. Work at a shelter. You can help feed the homeless year-round, whenever it's possible. Also, ministries usually can't afford to hire enough staff, so they are dependent on volunteers for help.
3. Use your talents. Lawyers can provide free legal help. Medical and dental services can be offered to the homeless by doctors and dentists. If you are a teacher, you can offer tutoring.
4. Support policies that support homeless persons. You can advocate for more affordable housing for low-income workers and for facilities in your community.
5. Educate others. Whether you're letting others know about a shelter, what they can do to help, your knowledge can convince others to help.
6. Don't make assumptions. The homeless person may be a woman fleeing a domestic violence situation, or someone who's working but unable to make enough to pay the rent.
How else can we help? I'd love to hear your thoughts and ideas around this issue.


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Scouts for kids in Adelaide
Inspire your kids to get involved in Scouts activities!

Scouts Australia is an organisation for boys and girls 6 years old and above.Read more
Camps for Kids
Are you wondering what to do with your kids in the school holidays? Kids' camps are a popular solution to the dilemma of how to entertain your children over the summer period. Camps are a place where children can go either for the day or overnight and enjoy a number of organised kids activities usually based around a particular theme or sport. There are an almost infinite number of different types of camps available throughout Australia that cater to kids of almost all ages and interests.Read more
Youth Centres for Kids
Looking for somewhere your kids can spend time and learn new skills?Read more
Cadets for Kids in Australia: A Guide for Parents and Carers
Cadets promote a culture of discipline and responsibility. Participants learn to respect rules, follow routines, and develop a strong work ethic, which can be beneficial in all areas of life.Read more
What do the Boys Brigade do?
Being part of the Boys Brigade is not just about adventure and skills; it's also about building lasting friendships.Read more
Community centres
Have you ever taken your kids along to your local community centre? If not, check it out today - community organisations often run events and programmes at these venues which are low cost and designed to support the well being and enjoyment of families and their kids. Your kids can participate in lots of good causes as well as making friends and having a great time!Read more
Police Citizens Youth Clubs for kids (PCYC)
Let your kids enjoy a new activity that will motivate them to participate in community safety! PCYC or Police Citizens Youth Clubs for kids in Australia gives the youth opportunities through recreational and educational programs.Read more
Cadets For Kids
Is your kid a budding leader? Then he might be interested in becoming a youth cadet!

A cadet is a trainee to become a volunteer military officer. Cadet trainees learn about military life, physical and mental skills, drills and ceremonies, and proper military etiquette. Cadet training does not require trainees to pursue a military career; but it provides them with skills to become efficient leaders and better citizens.Read more
Boys Brigade For Kids
Boys Brigade History - The Boys Brigade is a Christian youth organisation founded in 1883 by Sir William Alexander Smith. It was founded on two pillars of Religion and Discipline and is set up to develop Christian manliness by using semi-military discipline, gymnastics, summer camps, and religious services. The first Boys Brigade in Australia was formed in Melbourne in 1890.Read more
Cubs For Kids
Make a great leader out of your kids!

Scouts Australia is a youth organisation for kids and young adults aged 6 to 26. It is part of the worldwide Scouting movement. Scouting was founded in Australia in 1908 by Lord Baden-Powell. Before it used to be just for boys, but starting 1971, they have also been accepting girls.

Cub Scouts, or Cubs, is part of Scouts Australia. It includes boys and girls cubs aged 7 ® to 11. A group of cubs is called a pack, made up of 20 cub scouts or less. The uniforms of the cubs in Australia are navy blue short sleeved shirts with yellow collar, sleeves, and shoulders.Read more
Girls Brigade For Kids
Young ones can make influential contributions to the community and the world!

The Girls Brigade is an international Christian youth organisation that started in Dublin, Ireland in 1893. It was founded on two pillars: the Bible class and physical training. Now The Girls Brigade operates in more than 60 countries, including Australia. The first International Conference was held in Australia in 1998, and is held every four years.Read more
Community For Kids
Let your kids develop social awareness in their own way. Involve them in community activities!

A community is a group of people living closely together and sharing a common interest. It is also the society as a whole.

Kids, as young as possible, should have social awareness and be able to contribute to the community.Read more


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"Superb… King tells this complex story with grace and sensitivity, and his narrative never flags. His mastery of the materials is complete…occasional detours into such subjects as the history of the citrus industry…are welcome and illuminating."—Jeffrey Toobin, New York Times Book Review
"Riveting…In 'Beneath a Ruthless Sun,' journalist Gilbert King recounts this perplexing story with compassion and a vibrant sense of time and place…[a] sobering but expertly told saga."—Washington Post
"A gripping tale of entrenched racism and complicity… King's reporting defies cliché with depth and specificity. He holds to verifiable facts and knows how to let a story and characters evolve… King's book haunts as an uncurtained stare into history."—Jacqui Banaszynski Minneapolis Star-Tribune
"Remarkable… Beneath a Ruthless Sun is multiple books in one – a gripping true-crime narrative, a deeply wrenching story of American bigotry and corruption, and an inspiring tale of heroes fired by love and righteous fury… King reminds us of [Florida's] not-so-distant history as a stronghold of Southern racism and bigotry, a state that produced both horrific violence and courageous protest." —Randy Dotinga, The Christian Science Monitor
"Chilling…Beneath a Ruthless Sun plunges the reader deeply into the legal practices, civil rights battles, and stubborn sexual inequalities of the mid-20th century, but this fast-moving and impeccably sourced book is anything but a slog. Truth oftentimes beggars belief, and the "true" in "true crime" can be a promise that betrays as much as it entices. Not so with Gilbert King's scorching, compelling, and — unfortunately — still entirely relevant new work." —Jean Zimmerman, National Public Radio
"The plot against Daniels seems baffling, verging on nonsensical — until you begin to see the community the way King does: so deformed by racial animus and misogyny that the white establishment of Lake County deemed it less of an 'indignity' for Knowles to have been raped by a white man than a black man…Timely and important."—Jennifer Szalai, New York Times
"King's style is gentle but insistent. It's laid out cleanly, with precision and without condemnation…And there lies the secret to the power behind King's books: Truth." —Lauren Ritchie, Orlando Sentinel
"Extraordinary…This book reads like a first-rate crime thriller, built on shocking plot twists and vivid characters and evidence of the darkest corners of human nature." —Colette Bancroft, Tampa Bay Times
"In Beneath a Ruthless Sun, Pulitzer Prize winner Gilbert King continues his extraordinary historical autopsy of 1950s and '60s Lake County, Florida, and its infamous racist sheriff Willis McCall… this is a fascinating look at the South and its people in an era many today fondly remember as when America was 'great.'"—Florida Times-Union
"Through [King's] exploration of a crime committed in one small Florida town over 60 years ago, he strikes at the heart of questions of race, justice, privilege, and corruption that have long been left unanswered. In doing so, his latest work proves that, in the right hands, true crime stories aren't just cash grabs. They can be forms of literary activism… [A] truly fascinating journey King recounts in page-turning detail. A brilliant and heavily researched work, Beneath the Ruthless Sun takes readers along for a wild and thought-provoking ride towards truth and justice."—Bustle
"A spellbinding true story of racism, privilege, and official corruption…By turns sobering, frightening, and thrilling, this meticulous account of the power and tenacity of officially sanctioned racism recalls a dark era that America is still struggling to leave behind." —Kirkus Reviews (starred)
"The perversions of justice under Jim Crow chart a devious path in this labyrinthine true crime saga… Packed with riveting characters and startling twists, King's narrative unfolds like a Southern gothic noir probing the recesses of a poisoned society." —Publisher's Weekly (starred)
"This book is every bit as gripping as the author's Pulitzer-winning Devil in the Grove." —Booklist (starred)
"King provides a glimpse into the past that is equal parts enlightening, frustrating, and invariably un-put-downable." —Harper's Bazaar
"A true-crime masterwork." —Men's Journal
"A powerful page-turner." —Garden & Gun
"Gilbert King's new book has the potential to be the historical crime investigation that takes up the mantle from David Grann's sensation, Killers of the Flower Moon. King looks at the many layers of corruption and mystery swirling around a late 1950s case stemming from the rape of a Florida citrus baron's wife. A backwards local sheriff railroads a series of suspects, while a crusading journalist pushes ahead in the face of tremendous resistance and secrecy. King's book unfolds a conspiracy implicating institutional racism, mental healthcare, treatment of the mentally impaired, and the fabric of Southern town life in the buildup to a truly tumultuous era." —Crime Reads
"A tense and stunning true-crime read." —BookPage
"A narrative of sex, race, and corruption in 1957 Florida that must be read to be believed."—Library Journal
"Compelling, insightful and important, Gilbert King exposes the corruption of racial bigotry and animus that shadows a community, a state and a nation. A fascinating examination of an injustice story all too familiar and still largely ignored, an engaging and essential read." —Bryan Stevenson, author of Just Mercy
"In the tradition of Harper Lee, Gilbert King tells the story of a small southern town corrupted by racism, a perverse genteel honor, and utter disdain for poor "crackers." Three women stand out in this gripping tale of a falsely accused man: an unrelenting reporter, a mother, and a victim doubly victimized as a pawn of others' ambitions. In deftly unraveling a tragic mixture of lies, violence, and hatred, King powerfully reminds us how the unpalatable beliefs of 1957 haunt us still." —Nancy Isenberg, author of White Trash
"Gilbert King's stunning chronicle of race, sex and power in fatal combination yields so many truly tragic turns that it's almost uncanny when goodness endures. With breakneck drama and cold clarity, Beneath a Ruthless Sun captures the sultry particulars of a uniquely charged place and time as well as a universal truth about how difficult it is for humans in the aggregate to do the right thing." —Diane McWhorter, Pulitzer Prize-winning author of Carry Me Home: Birmingham, Alabama—the Climactic Battle of the Civil Rights Revolution


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We blast off for the red planet in our Mission to Mars Robotics Challenge, an exciting way to bring Science, Technology, Engineering and Mathematics (STEM) concepts to life for the over-11s. Students research and plan their Martian mission, developing a robot to carry out automated tasks, culminating in our interplanetary challenge at the end of the week.
Our Senior Robotics camp enables students to discover Science, Technology, Engineering and Mathematics in a fun, engaging, hands-on way. This combines LEGO building with software and curriculum-based activities, which allows students to design, programme and control robots. They build robots and use software to plan, test and modify sequences of instructions from a variety of real-life robotic behaviours. Students gather and analyse data from sensors using data-logging functionalities such as graph view.
Following a curriculum devised by LEGO® Education, they start off with simple projects on Day One, learning about the basics of LEGO® Mindstorms programming, creating a vehicle and programing it to drive forward, turn and reverse. They then move on to the various sensors that we use during the week, learning how they work, their real world applications and how to programme them.
As the week progresses, students enhance their robot, adding new sensors, creating new programmes and taking on various challenges that are set each day. As the end of the camp approaches, they build a new robot based on what they have learned and take on our end-of-week challenge.
You can book any of our Workshops or Camps in this page.
Select your County, Location and Workshop/Camp to narrow down the results.
Stay up to date with announcements, products, news and promotions with Learnit Newsletters.


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General information
Personal well-being (PWB) is part of the wider Measuring National Well-being (MNW) Programme at the Office for National Statistics (ONS), which aims to provide accepted and trusted measures of the nation's well-being.
Personal well-being using four measures (often referred to as the ONS4), which capture three types of well-being: evaluative, eudemonic and affective experience. These measures ask people to evaluate how satisfied they are with their life overall, asking whether they feel they have meaning and purpose in their life, and asks about their emotions during a particular period.
This page describes one of these measures – life satisfaction. If you only have room in your evaluation to measure one of the ONS4, we recommend you use this one.
On a scale of 0 to 10, where 0 is "not at all" and 10 is "completely":
Overall, how satisfied are you with your life nowadays?
Tinkler, L., & Hicks, S. (2011). Measuring subjective well-being. Office for National Statistics. Available here.
Validation details
ONS (2012) Overview of ONS phase three cognitive testing of Subjective Wellbeing Questions. ONS Summary report.
Cost / Terms of Use
Free (No permission required)
Instructions and Scoring
Guidance and thresholds here
Data source name
Annual Population Survey.
Also asked in other surveys
Quarterly; Annually
Latest data
You can find the latest data here
Historical data
You can find earlier data here
Over 16; socio-economic classification, age, gender, ethnicity, education


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Starter Kits
A dōTERRA® KIT is the easiest and best way to get started with essential oils. When you choose one of these enrollment kits as your membership, the $42 CAD membership fee will be waived. You will also receive a substantial discount (25% off) on all dōTERRA® products for 12 months. No selling or monthly purchase required.
What's Included?
5 mL Bottles:
Frankincense, Lavender, Lemon, Oregano, Peppermint, Tea Tree, Deep Blue®, Easy Air®, On Guard®, ZenGest®
Other Products:
Brevi™ Stone Diffuser
What's Included?
5mL Bottle:
Deep Blue®
15 mL Bottles:
Frankincense, Lavender, Lemon, Oregano, Peppermint, Tea Tree, Easy Air®, On Guard®, ZenGest®
Other Products:
Brevi™ Stone Diffuser, On Guard® Cleaner Concentrate, On Guard™ Mist, On Guard® Foaming Hand Wash, On Guard™ Whitening Toothpaste, Salon Essentials® Protecting Shampoo, Salon Essentials® Smoothing Conditioner
What's Included?
10 mL Bottle:
15mL Bottles:
Frankincense, Lavender, Lemon, Peppermint, Wild Orange, Tea Tree, AromaTouch®, Balance®, Easy Air®, On Guard®, Serenity®, ZenGest®
On Guard Collection:
Hand Wash w/ 2 dispensers, Toothpaste
Other Products:
dōTERRA Essentials Booklet, Correct-X®, Deep Blue® Rub, Fractionated Coconut Oil (115 mL), Lifelong Vitality™ Convenience Pack, dōTERRA Lumo Diffuser, Peppermint Beadlets, Salon Essentials® Protecting Shampoo, Salon Essentials® Smoothing Conditioner, TerraZyme®, Wooden Box
Choose Health © 2020
| Designed By practicalwebsitedesign.com |
Please note - The statements found throughout this website have not been evaluated by the Food and Drug Administration. The products mentioned are not intended to diagnose, treat, cure, or prevent any disease.


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Ultimate Rich Data Schema For WordPress
Take SEO of your website to the next level by adding schema to every post.
uSchema demos
Some schema added posts and pages to provide you with ideas about the scope of this plugin
Page Schema
uSchema can add any type of schema to any page. below are some examples. There is button on each to check schema. You can check it with Google.
Elementor Page Schema
With elementor covering your front end design aesthetics, uSchema is best addition to look beautiful in search engine. These two great plugins go very well together.
With help of uSchema you can add any type of schema to a page plus you configure page data dynamically using Elementor dynamic function.
Below are some examples. Different types of schema added to the pages and there is not need to write data again and again. your can map data directly on the page.
Woocommerce Product Schema
Post Schema
Language Examples


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We all know the expression "you only get one chance to make a first impression," well it holds true when it comes to presenting your product to your customer.
For starters, the last thing you want to do when a customer walks into your office is present the first product that pops into your head.
Before you present a product to your customer, you must first find out exactly what it is your customer wants and needs.
The first thing you want to do is introduce yourself to your customer. Offer them a seat and make them feel as comfortable as possible.
Get to know your customer, talk about non-business subjects, this will take some of the pressure off of the both of you and make it easier to talk to one another.
Once you believe that you and your customer have found a comfort level, begin to evaluate your customer's needs.
Start by asking questions to find out his reasons for coming in to see you. Find out what products he currently has and uses. And how much he pays for them. Find out all you can about the company he obtained his products from, and what he thought of the customer service he was provided with.
It is important to know these things for reasons of comparison.
Once you have evaluated your customer and have a pretty good idea of what his needs are, get ready to present the products you have, that you believe to be an ideal match to his needs.
But before you make your presentation, make sure that you are prepared. Have all the materials you need to make your presentation a solid one at your finger tips. Such materials would include, brochures and literature, not only to give to your customer, but to go over with your customer. Unfold the brochure in front of him as you discuss the product. Literature is also a good way to be prepared in case you are hit with a question you can't answer, this will be a good resource for reference.
The point that I am trying to make is; Present to your customer a product you believe they will need. Your presentation should be based on the information that you have gathered from your customer during your sales session.
You could be the greatest presenter of products in the world, but if you are presenting products that customers don't need, you'll never sell a thing.
So be sure to evaluate your customers before you start presenting your products.
This article may be reproduced by anyone at any time, as long as the authors name and reference links are kept in tact and active.


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Quinoa Breakfast Porridge
Jane Day
Jane Day is co-author with Dr. John Day of "The Longevity Plan," documenting their journey to China's Longevity Village. "Preparing food for guests has always been a stressful thing - feeling inadequate and fearing that the dishes wouldn't turn out. Posting recipes has been an exercise in the ultimate confrontation of this fear. Gratefully, the joy in figuring out how to make favorite dishes with healthier ingredients now exceeds the fear and I take courage in the idea that maybe I can help someone else do the same."
Since we've been cooking up big batches of quinoa lately, I thought I'd share another recipe for you to enjoy this superfood for breakfast. This quinoa porridge is inspired by my sister-in-law Chrissy's favorite oatmeal recipe made with cinnamon, vanilla, almond milk, and coconut. I've also topped it with chopped dates and walnuts. You can top it with whatever you'd like–bananas, sliced almonds, chia seeds, blueberries, etc. Enjoy!
|1 serving
To cook quinoa: Use 1 cup of uncooked quinoa to 2 cups of liquid. Make sure quinoa is rinsed well. Bring quinoa and water to a boil in a medium saucepan. Reduce heat to low, cover and simmer until tender and most of the liquid has been absorbed, 15 to 20 minutes. Fluff with a fork.
- 3/4 cup cooked quinoa
- 1/4+ cup unsweetened almond milk any favorite milk can be used
- 1/2+ tsp cinnamon
- 1/2 tsp vanilla extract
- 1 tbsp unsweetened coconut flakes
- 2 chopped deglet dates
- chopped walnuts
Disclaimer Policy: This website is intended to give general information and does not provide medical advice. This website does not create a doctor-patient relationship between you and Dr. John Day. If you have a medical problem, immediately contact your healthcare provider. Information on this website is not intended to diagnose or treat any condition. Dr. John Day is not responsible for any losses, damages or claims that may result from your medical decisions.


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Search the Community
Showing results for tags 'emails'.
Found 2 results
HoneyPot Captcha
Jack_mcs posted a topic in General Add-Ons SupportThis addon prevents multiple emails from being sent through the forms on the site by adding a hidden challenge. Sending emails through the forms is a favorite thing to do by spammers. This has traditionally been handled by Googles Recaptcha code but that causes too much of a challenge in many cases and can easily frustrate your customers. This code doesn't present a challenge for the customer at all. The checking is done without the customer even knowing it. The code will work in any version of oscommerce but the instructions are just for the Community Edition and just for the contact us page (due to time constraints).
Generated link Concept
cables24h posted a topic in General Add-Ons SupportSorry................ i cannot . Let me trow up an idea and let YOU and the rest either give it a go... or reject it by good argumentation. We use in oscommerce for all links: - tep_href_link What if use for the above listed pages: - tep_gen_href_link ( where _gen means: Generated link) So if DIRECTLY goto contact_us.php and there is no KEY provided that matches. You already know it is a bot. Give it a thought. I not say it go cover all problems. Now i really stop.


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Title: 3D Printed Cross Stitch Ring
Date Completed: December 2018
Design: Lord Libidan
Count: 14
Canvas: 3D printed ring
Colors: 1
Size: US 8 (UK P)
For my last cross stitch of 2018, I knew I wanted to do something small, but as it happens, I was FINALLY able to complete a project I'd been working on for the last 5 years.
I'd always loved the idea of 3D printing, and I think many of my 3D cross stitches, such as my Transforming cross stitch were routed in, however, I recently got the ability to print accurately on a 3D printer in high detail. I used this excuse to pull a simple ring design, and then edited it to work with a line of cross stitch, in 14 count.
In order to do this, I had to pull a small interior ring to hold the back of the threads (so they don't stick into your finger) and align the holes in a specific orientation to ensure the needle would fit through. You can see these changes in the below image a bit clearer.
However, the hard work didn't finish there. I had originally made two ring ideas, one with a 18 count, and one with 14. Whilst I was able to stitch both, the 18 count one simply didn't work (the holes were too big). This, however, wasn't something I count fix. The size of the holes needed to be large enough that the smallest needles I could find (size 10 sharps) would fit through using a sewing thread (not embroidery).
However, all that work done, it was a simple case of stitching it up, and wearing it. I might actually offer a limited run of these on my Etsy if anyone is interested…


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Whānau led research project
Speaker: Ria Wihapi Waikerepuru Wednesday 5 May 11am (NZST / UTC +12.00) 2021
Free Webinar link here
The life-long collection of Te Reo Māori activist Te Huirangi Eruera Waikerepuru, was developed on a digital platform in 2018/19 by a whānau-led research project. Initiated under the Museum Studies Advanced Research Practicum, the project was required to meet museum and archival standards. The wide range of items within the collection included items in need of conservation intervention. Mentoring support from the archival arm of Te Reo o Taranaki: Te Pūtē Routiriata o Taranaki and whanau participation was key for project completion.
Presently the whānau is exploring the next steps towards establishing a research repository.
Pātaka Raraunga Māori Data Sovereignty
Speaker: Ngapera Riley Thursday 6 May 11am (NZST / UTC +12.00) 2021
Free Webinar link here
Ngapera Riley is the Chief Executive Officer at Figure.nz.
Ngapera is passionate about helping New Zealand progress as a Nation through the use of data and understanding information that can influence good decision making by our citizens, businesses and political leaders.
She believes that access to legitimate data is integral for the future of humanity and that EVERYONE, not just experts, should be able to access and use important information about our country.
Today she will discuss Māori Data Sovereignty utilising Pātaka Raraunga as the case study.
Mātauranga Pākeha – what's that?
Speaker: Billy Van Uitregt Thursday 6 May 4pm (NZST / UTC +12.00) 2021
Free Webinar link here
Researchers and policy makers around the world are grappling with bringing indigenous voices, worldviews and knowledges into contemporary environmental science, policy and governance. These attempts often replicate the historical power structures that not only place Indigenous peoples under the microscope but also force them to define and defend their cultural values, identities and ways of being and knowing. The title of this talk hopes to make those power structures visible and asks us all to deconstruct, define and defend the assumptions we make as researchers in the "western" academy. My Master's research proposes the development of settler colonial research agenda that places the settler colonial under the microscope to not only bring the "invisible" power structures to light but to provide a means to theorise their deconstruction. In this talk I want to introduce this thinking and how it might support bringing Indigenous voices, knowledges and worldviews to the fore in environmental research, policy and governance to shift the world's current unsustainable relationship with the environment and Papatūānuku.
My understanding and perspective on this kaupapa are defined by my dual Indigenous and settler colonial identity as experienced across Australia and Aotearoa. I was born and raised on Jagera and Turrbal Country in south east Queensland and whakapapa to Ngā Rauru, Te Ātihaunui-a-Pāpārangi, Ngāi Tūhoe and to the Netherlands. After completing my PhD in Evolutionary Ecology in 2012 I drifted away from the positivist traditions of "western" science and academia working with Anindilyakwa and Nunga whānau in the Northern Territory and South Australia.


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Hmm… I think I need to get a PS4 before I can get excited about this.. too bad I can't afford one… oh well..
Sony Computer Entertainment Inc. (SCE) today announced that "PlayStation™Now" (PS Now), the company's streaming game service that leverages cloud-based technology, will become officially available in the United States this summer. PS Now will deliver a variety of popular PlayStation®3 (PS3™) game titles*1 first on PlayStation®4 (PS4™) and PS3 systems, followed by the PlayStation®Vita (PS Vita) system.
In addition to PlayStation platforms, most 2014 U.S. models of Sony's BRAVIA® TV*2 lineup will support PS Now. Eventually the service will expand beyond PlayStation platforms and Sony devices, allowing users to stream PlayStation games on numerous other Internet-connected devices.
SCE's vision for PS Now is to enable users to instantly enjoy a wide range of full games on the Internet-connected consumer electronics devices they use every day. The accessibility of PS Now means, for example, that PS4 users in the living room can continue playing a game on a PS3 system in their bedroom. Or PS Vita users can enjoy instant access to a game wherever there's Wi-Fi connectivity, such as outdoors, then can switch to a supporting BRAVIA® TV's big screen and play the same game after arriving home.
PS Now will offer choice to gamers with how they want to access content. Gamers can rent by title for specific games they are interested in, or they can choose a subscription that delivers additional value with the ability to explore and play many games available across a wide variety of genres. In addition, the service will support many popular PSNSMfeatures such as online multi-player, Trophies, and messages.
"We are thrilled to deliver entertainment experiences only possible from PlayStation through our new streaming game service," said Andrew House, President and Group CEO of Sony Computer Entertainment Inc. "PS Now will allow users to engage in the world of PlayStation, whether they're existing fans or have never owned a PlayStation platform."
During the 2014 International CES held in Las Vegas from January 7, attendees can visit the Sony booth to have a hands-on experience with the PS Now service for the first time ever. Attendees can enjoy four blockbuster PS3 titles,BEYOND: Two Souls, God of War: Ascension, The Last of Us and Puppeteer from SCE Worldwide Studios, on PS Vita or BRAVIA® TV.
Prior to the official launch, SCE will begin a beta program on PS3 systems in certain regions of the United States from the end of January. Additional information about PS Now will be available at http://us.playstation.com/playstationnow.
SCE will continue to create and expand a new world of entertainment only available on PlayStation through the introduction of innovative technologies and services that deliver amazing experiences.
*1 Details of supported titles will be announced when ready.
*2 Among the 9 U.S. models launching in 2014, 1 model (KDL-R400B) will not support this service.


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3-Seater Garden Sofa with Cushions Poly Rattan Outdoor Multi Colors
Shipping calculated at checkout.
This poly rattan 3-seater sofa is uniquely designed to be a stylish seating area for your garden or patio.
Thanks to the water-resistant PE rattan, the patio sofa is easy to clean and suitable for daily outdoor use. The steel frame makes the bench sturdy and stable. It is also lightweight and easy to move around to suit any setting. It is also delivered with highly comfortable, thickly padded seat cushions for the ultimate comfort. The low-maintenance polyester covers can also be removed and washed. This sofa can be easily moved to suit any settings. It is easy to assemble.
Note: We recommend covering the sofa during rain, snow and frosty weather condition for its best service and last longer.
- Color: Brown / Black and white / Gray / Black
- Cushion Color: Cream white
- Material: PE rattan, steel, fabric (100% polyester)
- Dimensions: 61" x 22.8" x 31.9" (W x D x H)
- Seat size: 54.3"/56.7" x 17.9" (W x D)
- Backrest length: 57.1"
- Seat height: 16.1"
- Armrest height from the ground: 24"/24.8"
- Delivery contains:
- 1 x 3-Seater sofa
- 1 x Cushion


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Just Before The Drop
'Just Before The Drop' is a comprehensive sample pack with 100 top-notch and fresh drum & synth fills.
Inside you can find perfectly designed samples suitable for genres from Festival House and Progressive to Minimal and Deep House.
This unbelievable pack was made for all producers who want to improve their tracks using hard-hitting fills just before their drops!
'Just Before The Drop' was being inspired by the best festival events where people are waiting for massive beats and drops!
Vandalism wants to give you comprehensive fills, which can build a tension in your track.
Product Details:
• 100 Drum & Synth Fills
• 24-Bit WAV Loops
• 1-4 Bars
• 100% Royalty-Free
• Multi-Genres


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On Monday, Stephen Starr will speak with Tom Colicchio and Grub Street's Daniel Maurer as part of "Top Chef: Taste of the Five Boroughs." Over the phone today, Starr (who will be a guest judge this season!) revealed to us that after he relaunches his trademark restaurant, the Striped Bass, as a steakhouse called Butcher and Singer, he plans to open in Philly a fifteen- to twenty-seat, chef-driven restaurant, though he won't give the name of the chef or the restaurant. Starr acknowledges "you can't make any real money with that many seats," but at the same time he believes the era of the "big boxes" (a term that, incidentally, he isn't fond of) is a thing of the past. "No one in the next seven to ten years," he told us, "is going to be able to build a large restaurant like I did." That said, his current restaurants are doing well — business is actually up in the last year at Morimoto. To find out how he and Colicchio are keeping their empires afloat, come by Grand Central's Vanderbilt Hall on Monday at 12:15 — tickets to "Taste of the Five Boroughs" are sold out (a limited number will be sold at the event), but the discussion is open to the public. It'll be preceded by an introduction of this year's cast and followed by demos featuring former cheftestants Harold Dieterle, Richard Blais, Spike Mendelsohn, and Andrew D'Ambrosi.
Taste of the Five Boroughs [City Harvest]


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This is a key question that is often posed when talking about local investing, yet it is impossible to answer in a few words. To answer it properly I will take you on a little journey. First I will challenge the assumptions implicit in the question, then I will explore the meaning of return and finally I will attempt an answer.
First of all we must recognize that when someone asks what returns can one expect from local investing, one usually has some sort of expectation or comparison in mind. Most often the concept of expected return is associated with a particular asset class – a group of investments that share similar characteristics and risk profile. Examples of asset classes are US stocks, US bonds, international stocks, international bonds, venture capital, real estate, etc., or subsets thereof, for example US small cap stocks, US large cap stocks, US short term bonds, US medium term bonds, US long term bonds, etc. In any case the common assumption is that investments that belong to the same asset class have similar risks, share similar characteristics and therefore have on average similar expected returns.
It is also common to assume that the historical return of an asset class is a reasonable estimate for its expected return going forward. More risky asset classes like venture capital are assumed to have higher expected returns than less risky asset classes like short and medium terms bonds.
In fact, over the last few decades the financial industry and specifically financial advisers and investment consultants seem to have adopted mythical "market rates of return" for the various assets classes which seem to abide by some sort of divine right of capital – a transcendent expectation impervious to the changing world we live in and sometimes even at odds with the actual historical performance of those asset classes. So, venture capital is somehow expected to generate between 15% and 20% return per year, stocks around 8%, real estate between 8% and 10% and so on.
It turns out that the performance of an asset class is very much dependent upon its valuation, its recent performance and the trend in interest rates (we have experienced an unprecedented secular downward trend in interest rates now for a few decades which boosted returns for most asset classes). For example, real estate in the US experienced a bubble in the years leading up to 2007 leaving the asset class overvalued and poised to deliver negative returns over the following few years. Similarly, technology stocks rallied in the late 90s and ended up grossly overvalued by the end of 1999 delivering large losses to investors who bought them at the wrong time.
In 2012 the Kaufmann Foundation published a study[1] by based on their 20 year experience investing in venture capital funds which revealed that on average venture capital funds failed to return investors' capital after fees. This means that rather than delivering between 15% and 20% per year, venture capital funds delivered on average a negative annual return to investors!
I believe this is just the early sign, an omen that the whole world of investing has entered a completely different phase and that the future of investing will bear very little resemblance to that of the past.
Since I left the industry in 2009 I have been on a quest to understand the big picture and the large systems shaping society – the economic system, the global system of finance and the money and banking system.
The key conclusion I reached is that we now have too much investment capital chasing financial returns around the world and that historical returns and return expectations based on historical performance are no longer a valid guide for what we are likely to experience in the next few decades.
Let me explain.
Speaking epigrammatically, investment capital originates as money and money originates through an expansion of the balance sheet of central banks and private banks around the world. Central banks create money when they purchase assets, mostly government debt; the private banking sector creates money when it issues loans[2]. There is theoretically no limit to the amount of money and therefore of investment capital that can be created through this magic of accounting. The world is currently swimming in an unprecedented level of private and public debt and in an unprecedented amount of investment capital – these two facts are manifestations of the same process of money creation[3].
A study[4] published by McKinsey Global Institute in 2011 revealed that the investment capital in bond markets and stock markets worldwide amounted to $212 trillion – about 3 times the global GDP (the sum total of all goods and services produced that year around the world). About 50 years ago, investment capital in world stock and bond markets was about 50% of global GDP. Now, how can we expect this ever increasing amount of investment capital, whose growth has outpaced that of global GDP for more than half a century, to continue growing by generating positive financial returns?
If we use an assumption of expected return of 5% per year, more than $10 trillion would be required to deliver such return. In other words, about 15% of global GDP would be needed to deliver the 5% financial return just for the portion of investment capital invested in global stock and bond markets. Do we really believe this can continue indefinitely? That investment capital will continue to grow more rapidly than global GDP and swallow an ever increasing share of it as "market rate of return" [5]?
One likely scenario is a global balance sheet recession, similar to what Japan has experienced in the last couple of decades, caused by the recognition that large amounts of the global debt outstanding will default or never be repaid. Such contraction in debt outstanding will reverse the process that created money and investment capital in the first place and cause the shrinkage of the global stock of investment capital. In other words, an overall negative return for global investment capital is not only conceivable but in my view probable in the next couple of decades.
There is no denying that global investment capital has overall enjoyed strong financial returns in the last few decades. A recent study commissioned by the UN sheds some light on how those returns were generated, at least in part.
The Economics of Ecosystems and Biodiversity (TEEB) is an UN sponsored global initiative focused on "making nature's values visible". In April 2013 TEEB published Natural Capital at Risk: The Top 100 Externalities of Business[6] – a 15-year study conducted by TruCost to identify the world's largest risk to the natural capital and to quantify in financial terms environmental externalities such as damage from climate change, pollution, land conversion and depletion of natural resources, across business sectors and at a regional level.
The study demonstrates that the profits of high impact business sectors would be wiped out if the costs of environmental damage and unsustainable natural resource used were accounted for. The study showed that in 2009 the global economy used $7.3 trillion worth of unpriced natural capital in the creation of about $70 trillion of total global economic activity (World GDP).
Nature of course does not charge us for the natural resources it built over the millennia – forests, underground aquifers, oil, coal, metals, etc. nor does she charge us for its ecosystem services– water purification, oxygen production, pollination, soil fertility, nutrient cycle regulation, climate regulation, etc. Not only have we humans taken advantage of the ecosystem services provided by nature for free but we have started dismantling the very natural capital that makes those services possible.
The $7.3 trillion worth of unpriced natural capital used by human economic activities in 2009 represents a subsidy to our global economy at the expense of nature's integrity. We are effectively treating nature as a business in liquidation and converting its very assets into economic activity and financial returns.
While it is impossible to make direct measurements, it is eminently clear that part of the financial returns obtained by investment capital in 2009 were subsidized by the destruction of $7.3 trillion worth of natural capital.
The conversion of natural capital into financial capital has been happening for a very long time but the process has accelerated as the amount of global financial capital has grown exponentially for at least the last half century and with it the pressure to generate financial returns.
We also have to keep in mind that investment capital and more fundamentally the money that created it, is at the end of the day a claim on real things – goods and services created by the economy and other assets whether man-made or natural. Since there is no limit to the amount of money and therefore investment capital that can be created with the disembodied magic of accounting, since we know economic activity and financial returns have been subsidized by the destruction of the natural capital and since we are now experiencing the early signs of the stress our extractive practices have caused to natural systems (climate change, species extinction, pollution, deforestation, etc.) it is logical for us to conclude that the current gargantuan amount of financial capital will not experience going forward the type of financial returns it enjoyed in the last half century and in fact might shrink as the constructed reality of money and finance collides with the physical reality of a diminished biosphere.
Having realized that financial returns going forward, far from being guaranteed by some sort of "divine right of capital" might more aptly be characterized as a chimera, we are now ready to take a closer look at the very concept of "return".
Most of us[7] don't invest with the goal of being able to die with the largest possible amount of money and personal property. We invest to have money in order to satisfy our future needs and desires. What we really care about is what money can buy to satisfy our physical and psychological needs. It would be ironic if the investments we make today were undermining the very conditions that make the satisfaction of our future needs possible! Yet, that seems to be our destiny if we don't expand the concept of return.
An example might help clarify this concept.
Carol Peppe Hewitt in her book "Financing our Foodshed – Growing Local Food with Slow Money" tells the story of the Chatham Marketplace in Pittsboro, NC. Chatham Marketplace is not only a well-established co-op grocery store committed to local sourcing but is also the social gathering place of this small town of 4,000 souls. Carol said that if you lived in Pittsboro and wanted to meet someone, all you had to do was hanging out at the Chatham Market and the person you were looking for would eventually show up.
The Marketplace launched in 2006 and was financed in part by a large loan at nearly 9% interest from an out of state bank. The $300K balloon payment for the balance of the loan was coming due in 2012 and the bank, reeling from the recent financial crisis, had made it clear it was not going to renew the loan. No one was sure where that money was going to come from and the Marketplace's future was uncertain. Carol, upon learning of the challenge to this beloved establishment, organized a team of local investors and formed an LLC for the purpose of buying out the loan from the bank and refinancing it at 5%. By fall of 2011 a group of 16 investors living within 100 miles of the Marketplace had raised $400K, and they bought out the Marketplace's loan from the out of state bank, a year ahead of its due date.
Net of administrative fees the investors are receiving a 4.5% return. The lower debt servicing costs have also greatly helped the Chatham Marketplace. Moreover the interest payments that used to leave the state are now remaining in the community.
It is important to understand that in this case the "return" to the local investors was much greater than the 4.5% they are getting in interest – without their investment they might have lost a beloved market and a place to gather; they might have also lost access to the locally grown produce and locally crafted food products they enjoyed. The disappearance of the Marketplace could have also caused the demise of a number of the 200+ local food producers in the area that counted on the Chatham Marketplace as an important distribution outlet, with significant negative employment and economic consequences for the local economy.
When we invest in local projects we can experience or understand intuitively the non-financial benefits of our investments – they are tangible to us even though they might not be precisely measurable.
Another example of the opportunity offered to local investors for expanding their concept of investment return is Community Foods Market (CFM) in West Oakland.
West Oakland is a predominantly black neighborhood in the San Francisco Bay Area that has suffered institutional discrimination and neglect for many decades. Polluting industrial facilities have been located there; red-lining policies have starved the community of bank credit for decades; the construction of the Bay Bridge in the 30s eliminated the economic activity generated by the ferry link between West Oakland and San Francisco; the construction of Interstate 880 cut West Oakland off from its downtown and further reduced its economic vitality; and predatory lending practices by large banks in the run up to the real estate bubble about a decade ago further impoverished the community.
The 28,000 residents of West Oakland have access to hundreds of corner liquor stores but not a single full-service grocery store in more than a decade. Brahm Ahmadi, a former resident of West Oakland and a passionate environmental and social justice advocate has taken on the challenge and worked tirelessly for the last decade to build Community Foods Market – a full-service grocery store that would serve and employ people from West Oakland. For about a year he went around the country trying to raise capital from angel investors and venture capitalists and even from "impact investors" with no success. He was offering preferred equity shares that would pay a 3% dividend.
Angel investors and venture capitalists use the following arithmetic when investing. They know that early stage companies are risky and most of them will not succeed. In other words they know that between 6 and 7 out of 10 of their investments will result in a complete loss. One or two will do okay and return the capital and possibly a modest return, while one or two will be big winners and return 5 to 10 times their capital compensating them for the losses incurred in the majority of their portfolio. When they invest they therefore look exclusively for companies that have the potential for rapid growth and for delivering 5 to 10 times the original capital (therefore a return between 500% and 1000%) in a few years. On a portfolio level they therefore expect to make between 10% and 20% annualized[8].
When angel investors and venture capitalists, and even so called "impact investors" looked at the CFM investment through the narrow lens of conventional finance they made the following assessment – this venture, as any early stage pre-revenue enterprise has at least a 50-50 chance to fail therefore generating a -100% return. If it succeeds it will return 3%. The expected return for this investment would therefore be R = 50% * (-100%) + 50% * (3%) = – 48.5%. In other words, rather than the usual expectation that the investment might provide on average a return between 10% and 20% once adjusted for the risk of failing, this particular investment had a negative expected risk-adjusted return. No investor motivated exclusively by the prospect of financial returns would take on equity risk in a start-up company for the prospect of a 3% return if the company succeeds.
That's why Brahm decided to register the security with the state of California through a DPO (Direct Public Offering) and offer it to the local community. The investment is a preferred equity stock offering 3% cash dividend but also a 1% in-kind dividend as a store credit once the grocery opens. Beyond these dividends, for local investors the non-financial benefits of having a full-service grocery store are very real and tangible. I am also an investor and, although I don't live in West Oakland, I find it unacceptable having a food desert just a few miles from my house, in the middle of the food abundance of the San Francisco Bay Area.
Are we going to condemn all great projects like Community Foods Market that attempt to solve a social or environmental challenge but don't provide sufficient financial returns to investors to the dust bin of great ideas that will never be realized? Or are we going to expand our idea of return so that we can build together the world we want to live in?
Local investing, by making tangible the non-financial returns and benefits of a business or project, offers the possibility of escaping the straightjacket of conventional finance and helping us remember that we invest to eventually enjoy the goods and services money affords us. Money is just a means to a greater end and investing itself can become a greater end than just accumulating financial capital.
Now we are at the end of our journey and able to provide an answer to the original question.
If we are talking strictly about financial returns, the original question is simply unanswerable since local investing is not an asset class. Local investing is very idiosyncratic and spans a very large and creative range of possible investments that do not share common risks and characteristics. A 3-year collateralized loan to an established bakery looking to upgrade its bread mixer is a completely different investment than an equity position in a local start-up creating a new nanotechnology-based coating to improve the efficiency of solar panels. A two-year loan to an established CSA with interests paid in the form of a monthly box of produce is completely different than a royalty loan to a compost company still in the prototype stage. Therefore it is not possible to talk about expected financial returns for local investing in general terms.
What we can say is that a community can unlock the benefits of local investing only if its local investors are able to transcend the straightjacket of strictly financial considerations and appreciate the rewards local investing offers in terms of local economic vitality and community health. Odessa Piper[9] said "local is the distance the heart can travel." Within that distance the promise of local investing has the opportunity to blossom.
[1] "We have met the enemy…and he is us – Lessons from Twenty Years of the Kauffman Foundation's Investments in Venture Capital Funds and The Triumph of Hope over Experience" May 2012 by Ewing Marion (Kauffman Foundation)
[2] As this bulletin of the Bank of England states "…the majority of money in the modern economy is created by commercial banks making loans"
[3] More information on this topic can be found on my website
[4] Mapping Global Capital Markets 2011 – by Charles Roxburgh, Susan Lund and John Piotrowski (August 2011)
[5] Prof. Thomas Picketty, author of "Capital in the Twenty-First Century" certainly does not think so.
[6] Natural Capital at Risk: The Top 100 Externalities of Business
[7] A minority of the US population, mostly among the wealthy, is engaged in the positional game whereby a 50' yacht becomes a liability as soon as a neighbor shows up with a 70' yacht. Someone trapped in the positional game, will unfortunately never experience "enough" and will behave as if his/her ultimate life goal is to die with the largest possible amount of money and property.
[8] Let's imagine 6 out of ten of their investments failed therefore generating a -100% return, two just returned the capital therefore generating 0% return and two were big successes, one generating 5 times and the other 10 times the capital invested within 5 years. The total portfolio return over five years would be R = 0.6 * (-100%) + 0.2 * (0%) + 0.1 * (500%) + 0.1 * (1000%) = 90%. In other words the investment portfolio almost doubled in 5 years for a (simple) annual return of 18% per year.


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Bike Radar has published a review article on the American made Turner Burner 650B that was originally seen in What Mountain Bike Magazine. The article features commentary on the frame as well as how the build spec worked together.
If you'd like to read more about the Turner Burner, check out my previous trade show roundup on Turner Bikes.
"Try as we did to remain cynical about the 'Emperor's new wheel size,' there's no doubt it cuts an immediately friendly balance between rapid acceleration/turning, and noticeably better speed sustain on rough terrain than a 26in wheel with the same tyre size." – What Mountain Bike Magazine


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Stomping through puddles, scrambling over fallen logs and digging in the dirt with sticks may not sound like traditional educational activities, but they are core parts of the curriculum in "forest schools."
Learning amid the leaves is the hallmark of a forest school, an immersive outdoor education model devoted to the exploration of nature. Forest schools, which have their roots in Scandinavian educational tradition, generally focus on preschool age children. Instead of sitting quietly at their desks, these students build forts in the forest, pick berries fresh from the bush and have story time at the shore.
Can these outdoor schools offer lessons to other preschools and K-12 public schools at a time when being indoors is so risky?
Champions of the movement suggest outdoor education may be a common-sense solution to the myriad difficulties of remote learning, from getting students up to speed on shifting technology to keeping young children engaged without constant human interaction. Forest schools also encourage physical activity and build resilience through social connections with peers in a natural setting, teachers say. These may well be crucial coping mechanisms during a turbulent time for many families.
'It's much safer to be outdoors'
"More and more people are turning to the outdoors as a way to cope with the challenges of COVID," said Angela Hanscom, a pediatric occupational therapist who recommends outdoor experiences to combat issues of attention and focus in children. "It's much safer to be outdoors because the rates of transmission are far lower outside. On top of that, children just aren't built to sit still for most of the day. It's basic neural science. They need to move."
Finding Berkeley Forest School was a lifesaver for Traci Moren, whose sons Archer, 5, and Izzy, 10, chafe at sitting still for hours. They delight in having a classroom where you can dig up snake skins, bury treasure maps and climb trees.
"Forest school has been a game changer," said the Berkeley mother of two, whose sons are also doing distance learning through Berkeley's Washington Elementary School. "It's pretty great. We are very lucky. I honestly don't think our family would survive all this and still like each other without forest school. In the days before, I had to schedule our day around getting outside or else we'd have meltdowns and screaming matches. It was so exhausting. Now they get their energy out, are calmed being out in nature and the learning comes while they're out moving around. They are celebrated for their energy and creativity, not asked to sit down and be quiet. They're happier when they come home."
Even before the pandemic, there has been a rise in the number of forest schools, which encourage children to explore the outside in rain or shine. A 2017 national survey of nature-based early childhood educators reported more than 250 nature preschools and forest kindergartens operating across the country, serving an estimated 10,000 children a year. Most forest schools aren't licensed in California because they do not have a permanent indoor venue. Washington became the first state to license outdoor preschools last year. There are an estimated 50 such schools in California, according to the California Association of Forest Schools.
Now, during the COVID-19 crisis, a time when minimizing the spread of the virus is vital, there's been a surge in interest in outdoor learning and turning Mother Nature into a living classroom. Forest schools are having their moment in the sun.
"Because of COVID, a lot of people are looking at outdoor learning for the first time," said Liana Chavarin, founder of the Berkeley Forest School, which operates out of scenic César Chávez Park with its windswept views of the bay. "There's much more demand than before."
Forest school teachers say that children can blossom in wide open spaces even during a pandemic. They note that outdoor learning was also prioritized during previous plagues, such as the tuberculosis outbreaks of the early 20th century. Across the country in 1907, classes were often held on rooftops and ferries and other open-air classrooms to avoid transmission.
The coronavirus spreads mainly from person-to-person contact between people within about 6 feet of each other, according to the California Department of Public Health. Masks are used at times when the children cluster, but being outside means space is plentiful and social distancing is doable. Children are encouraged to interact with each other, teachers say, which helps them stay engaged.
"Children need the joy of connecting with their peers, which is just not possible inside right now," said Chavarin. "Part of it is that being outside can help you relax. That helps build resilience and confidence. Children feel the land is their own. It belongs to them."
Outdoor learning is a rich sensory experience, educators say, that can stimulate the brain as well as the body. These teachers view the natural world as part of the lesson plan.
"Nature is your co-teacher. You may have a plan but then a cluster of ladybugs starts flying through the air and suddenly that's your new curriculum," said Joanna Ferraro, founder of Oakland's Early Ecology preschool, which operates out of various East Bay parks. "That's what makes outdoor education special. We go with what the kids are interested in, and we can do deep dives. We can stop and watch a spider for as long as we want."
Science has long suggested that children's mental health and academic performance can be improved by increasing exposure to natural environments and decreasing time staring at screens. A recent University of Adelaide, South Australia report, which distilled the results of 186 studies, found that most researchers conclude that time spent in nature contributes to both psychological stability and academic achievement.
Glued to electronic devices
Time spent gazing at electronic devices, meanwhile, is associated with poor outcomes, including increased mental illness, lessened cognitive functioning and decreased academic achievement.
Some fear the impact of remote learning — children glued to their iPads and laptops for many hours — on child health and wellness.
"Remote learning can often lead to kids being on Zoom all day and then playing Roblox all night," Chavarin said of the online game popular among children. "It's a very sedentary lifestyle."
Pediatricians warn that, now more than ever, children need to be physically active to stay healthy.
"With the incredible increase in screen time all school-aged children are now experiencing, it is more important than ever to encourage non-screen time experiences," said Casey Gray, a pediatrician at Kaiser Permanente Fresno. "Time spent outdoors and in nature is extremely important for the developing brain. This allows active exploration and interaction with the real environment. It promotes good social skills, allows for free, uninhibited play and gives children experiences that simply cannot be replicated on the screen."
Beyond the role of exercise in child development, some experts are asking, does nature help inspire kids to learn?
"Definitely," said Stanford professor Deborah Stipek, whose research focuses on early education. "Many lessons can make use of what children encounter in their natural surroundings."
Anything children stumble upon in nature can become a springboard to learning, Chavarin said. A dead bird can spark a discussion about the circle of life. The fog kissing one's face can turn into a lesson on the water cycle. A muddy stream can become the source of a clay-based art project.
"We harvest the creek for mud to make ceramics," Chavarin said. "Then we learn how to fire the clay. The learning is in the process and the children feel very powerful because they have made something on their own."
Empowering students is the core of this educational philosophy, in which activities are child-led. Getting to pick a lot of the topics helps children focus, they say, as does the fresh air.
"Being outside gets you in a calm but alert state which is ideal for your brain," said Hanscom, founder of Timbernook, an outdoor therapeutic play program which operates nationally. "It helps you organize your thoughts, which is what so many kids struggle with."
Make no mistake, proper gear is crucial to outdoor learning. On rainy days, children come decked out in rain boots and slickers. Teachers bring along tarps and blankets and occasionally move children to covered areas because of high winds or heavy rain.
Of course, there are times when going outside is not an option. During the recent wildfires, many outdoor schools in California had to cancel class because of the smoke-choked air.
Still, proponents of open-air education believe that it can be a lifeline for children who struggle with remote learning because of technical difficulties or because they crave live human interaction.
'An antidote to remote learning'
"The outdoors may be the antidote to remote learning," said Hanscom, who has been advising schools on the benefits of outdoor education, "which can be such a struggle for so many families."
"You just don't want to put your child through that every day," said Chavarin, who has expanded her program to try to meet growing demand."The parental guilt is so heavy for all of us right now."
Early childhood experts agree that remote learning can be troublesome for young children and their parents alike.
"Distance learning is more problematic for young children than older children, and it has its limitations," Stipek said. "My main concern is that it will increase the achievement gap — more affluent families have access to technology and more additional resources (tutors and nannies who can help children with their school work) than low-income families."
For Moren, watching her son try to hunt and peck his way through typed writing assignments last spring was painful.
"It's so horrible to make a 9-year-old type. It's ridiculous and I'd just end up doing it for him," she said. "Remote learning makes you stress over the details while forest school is about the big picture of 'Are my kids thriving?' My goal is to keep a calm home.''
Many outdoor educators also believe that spending time in nature may help alleviate the strain and trauma of the last six months.
"There is a lot of repair work that needs to be done," Ferraro said. "Children have been under so much stress, not knowing what is going to happen, and it's gone on for a long time. For many families, it's been pure stress. It's heartbreaking."
Nature should be part of the teacher's toolkit just like tech is, some say. In our current pandemic reality, teaching children how to cope with stress may be as fundamental a skill as learning the alphabet. Outdoor education teaches children to find solace in the majesty of nature, they say.
"Nature is soothing," Ferraro said. "Children learn from nature that they can feel safe in the world. They can feel the air on their face and see the leaves fall. They feel grounded. That experience of connectedness is what we all need right now."


text: 27 JAN 2015 Drug smuggling leads to constructive total loss of vessel Andrew Tulloch Disputes and investigations Insurance Transport and logistics In brief - Insurers unsuccessful in relying on exclusions in Institute War and Strikes Clauses In a recent case before the English High Court, insurers sought to rely on exclusions for loss arising from detainment by reason of infringement of customs regulations and for loss arising from failure to provide security. Vessel detained and ultimately confiscated following discovery of cocaine An interesting decision of Mr Justice Flaux in the English High Court of Justice in Atlasnavios-Navegacao LDA v Navigators Insurance Company Limited & Others (2014) EWHC 4133 (Comm) concerned an insurance claim by the owners for the constructive total loss of a vessel by reason of her detention for longer than six months after the vessel was detained in Venezuela following the discovery of bags of cocaine strapped to the vessel's hull below the waterline. While it was never suggested by insurers that the owners themselves were implicated in the commission of a drug smuggling offence, insurers sought to rely upon exclusions in clause 4 of the Institute War and Strikes Clauses for loss arising from detainment by reason of infringement of customs regulations and for loss arising from failure to provide security. While two officers, the Master and the second officer, were charged in Venezuela with complicity in drug smuggling, of which offence they were convicted in August 2010, the court also ordered the final confiscation of the vessel. The owners had abandoned the vessel to the Venezuelan court some two years after the initial discovery of the drugs. Exclusions under the insurance policy The Institute War and Strikes Clauses provide in clause 3: In the event that the Vessel shall have been the subject of capture seizure arrest restraint detainment confiscation or expropriation, and the Assured shall thereby have lost the free use and disposal of the Vessel for a continuous period of (6) months then for the purpose of ascertaining whether the Vessel is a constructive total loss the Assured shall be deemed to have been deprived of the possession of the Vessel without any likelihood of recovery. There were also exclusions of loss damage liability or expense arising from, amongst other things, "arrest restraint detainment confiscation or expropriation under quarantine regulations or by reason of infringement of any customs or trading regulations" (4.1.5) and "the operation or ordinary judicial process, failure to provide security or to pay any fine or penalty". The owners maintained that there was no infringement of customs regulations, as the proximate cause of the detention of the vessel was the malicious act of the drug smugglers, rather than the infringement of the customs regulations. They further maintained that the proximate cause of the detention of the vessel was "the wrong and perverse decision" of the judge who ordered detention of the vessel. The insurers conceded that the infringement of customs regulations exclusion would not apply to a "put up job" such as would occur if the Venezuelan authorities had deliberately planted the drugs (or engaged a third party to do that) so as to detain the vessel. Court finds that policy provided cover for malicious acts of third parties The judge saw no distinction between a "put up job" and a case where drug smugglers were involved in planting the drugs upon the vessel. Following an extensive analysis of the evidence and of the applicable law, Mr Justice Flaux concluded that the claim for a constructive total loss succeeded on the basis that there was cover under the policy for the malicious acts of the third parties who strapped the drugs to the hull of the vessel and that the exclusion for infringement of customs regulations did not, as a matter of construction, apply to exclude cover in the circumstances of the case. He also concluded that the exclusion for failure to put up security did not apply, as he doubted whether owners would have been able to negotiate satisfactory and reasonable security with the Venezuelan authorities in any event. Owners entitled to recover range of expenses related to vessel's detainment The judge found that the owners were entitled to recover sue and labour expenses, including the legal expenses incurred in seeking the release of the vessel and defence of the crew, the running costs during detainment of the vessel until the actual abandonment and a payment made to private investigators, ostensibly to determine who were the real perpetrators of the drug smuggling and with a further success fee to be paid if the vessel was released. The judge rejected the argument that the proximate cause of the detention of the vessel was a perverse or wrong decision of the Venezuelan court. Effect of exclusions where there is malicious intervention by a third party While the case was very much one which was considered on the basis of its own peculiar facts and which involved evidence from Venezuelan lawyers largely around the proceedings in Venezuela, it nevertheless raised interesting issues about the exclusions under the Institute War and Strikes Clauses and their effect when there is malicious intervention by a third party. This is commentary published by Colin Biggers & Paisley for general information purposes only. This should not be relied on as specific advice. You should seek your own legal and other advice for any question, or for any specific situation or proposal, before making any final decision. The content also is subject to change. A person listed may not be admitted as a lawyer in all States and Territories. © Colin Biggers & Paisley, Australia 2023. Related Articles Corporate and commercial Who is a non-executive director? Victorian Court of Appeal decision in AIG Australia v Jaques D&O liability insurance policies should be clear on who may access any additional cover for non-executive directors Transport and logistics Passengers, precautions and the Civil Aviation (Carriers' Liability) Act in general aviation accidents All parties found to have contributed to crash


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Tuesday 26 October 2010
Appliqué Outside The Box - Literally!
11 comments:
Great for holding the gift for the exchange at our Guild's Christmas party.ReplyDelete
YES! The are great. Love this. Bookmarking for later. Thanks so much for sharing this.ReplyDelete
Great ideas Karen! Will use this at Christmas time for sure!!ReplyDelete
You are just so amazing!♥♥♥ReplyDelete
Merci beaucoup!
Thank you for sharing this idea!ReplyDelete
This is a great craft idea, I have to share with my grown daughter who is busy doing all types of recycled "green" projects. She will love this. Thanks for sharing.ReplyDelete
What a great idea - thanks for sharing!♥ReplyDelete
That's so cool. I have lots of that Steam a Seam 2 for a project I was going to do, but decided not to. And I even have that wooden tool. I use them totally for something non-quilt related.ReplyDelete
I must go through my cupboard to see what nice boxes I have to re-do.
Ahhh, you got me going again, when you use your socks as props... I love how you put the band around the socks so the person knows how special the wool is... How do you have time to knit anyway!!
Maybe I need to buy some kroy and knit up a pair and get it out of my system...
Hi, Gail: I have to admit that I learned the gifting with the band-around-the-socks trick from my sister-in-law, Fay. It's a good idea, as it gives the fibre content and washing instructions for the yarn on the band so the recipient knows how to care for those socks which took hours and hours and hours and HOURS to knit! My knitting is always done while the rest of me is doing something else. My hands are never idle.ReplyDelete
I look forward to seeing your socks. :)
Totally awesome toot! TYReplyDelete
This is a wonderful technique. Yes, I do shop Sobey's so will check for some of their unique packages.ReplyDelete


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Google plans to raise Google's choice to raise $2,718,281,828.
From Peter Kaminski's blog:
It turns out that 2.718281828… (…and an infinite number of digits after that) is 'e', the base of the natural logarithm. Because it can't be expressed as a ratio of two numbers, it's known mathematically as "irrational" — something some bankers might say about the way Google is going public. However, 'e' also happens to be "transcendental," another fancy property of a number that means it can't be expressed by a finite number of algebraic operations. Maybe Google is making a little wordplay — saying they expect to transcend expectations — to overcome or notably exceed ordinary limits.
(Thanks, Ross)


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The electrolyte infused hydrojelly mask, made primarily from algae, is a new generation peel-off mask with electrolyte technology. These electrolytes (potassium, magnesium, sodium, chloride, phosphorous, bicarbonate, and sodium pyrophosphate) help the skin achieve a natural moisture balance that is essential to keeping the skin healthy, beautiful and in great working order. Algae produces 60% of the oxygen we use every day, so infusing it into the skin detoxifies and boosts the skin's defenses against a variety of environmental stressors.
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Injection molding machine, also known as injection molding machine or injection machine. It is the thermoplastics or thermosetting plastic molding using plastic mold made of various shapes of plastic products, the main molding equipment. Divided into vertical, horizontal, all-electric. The injection molding machine heats the plastic and exerts high pressure on the molten plastic to fill the mold cavity.
Injection molding machine usually by the injection system, mold system, hydraulic drive system, electrical control systems, lubrication systems, heating and cooling systems, safety monitoring system and other components.
Injection molding machine with the injection of similar principles, it is by means of the screw (or plunger) thrust, will have a good plasticized molten state (ie, viscous state) of the plastic injection into the closed cavity, Curing stereotypes obtained after the process of products.


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Transparent Proxy is a rapid development feature eliminating the need to author commands and queries. The proxy acts like an instance of your model. It intercepts method calls and maps to command and query objects of type
ProxyCommand and
ProxyQuery which are then passed to an instance of
The easiest way to create a proxy is using
//create proxy using Db.For
MyModel model = Db.For<MyModel>();
Which is actually just short for:
var engine = Engine.For<MyModel>();
MyModel proxy = engine.GetProxy();
//call a method on the proxy
proxy.AddReminder("Write more documentation", DateTime.Now.AddDays(1));
Here's what's happening under the hood:
ProxyCommand containing the method signature and arguments
IEngine<T> instance owned by the proxy
The exact same thing happens with queries, except
ProxyQuery is used
var reminders = modelProxy.GetRemindersDue();
The proxy has the same type as the model, but not all members are supported. The following rules apply:
Void methods are interpreted as commands, non-void methods as queries. If a command method is non-void it must be tagged with a
CommandAttribute, otherwise it will be interpreted as a query.
public bool Remove(string key)
//implementation omitted
return keyWasRemoved;
If your command or query returns results that don't need to be cloned, use the
CloneResult property:
public ReminderView[] GetRemindersDue(DateTime dueBy)
return reminders.Where(r => r.Due <= dueBy)
.Select(r => new ReminderView(r)).ToArray();
Make sure that method input and output (arguments and return value) is serializable.
Just because it's easy doesn't mean you can pretend every method call is local. Prefer a chunky over a chatty interaction between your client code and proxy.
Remember that objects returned from queries are copies. The following code will not work as intended because the object returned by
GetReminder() is a copy of the real object.
//wrong! modifying a copy of the object
//bad, CRUD is an anti-pattern
var reminder = db.GetReminder(id);
Prior to verion 0.18, overloads were not supported. Only method names were used to identify method calls. If you introduce overloads to system with journal entries created prior to v0.18, you must use
IsDefault on the original method.
public void SetCompleted(int id){...}
public void SetCompleted(int id, DateTime at){...}
Commands and queries are mapped to
ProxyCommand and
ProxyQuery objects. You can map to user defined types with the MapTo property. The type must have a constructor taking the same arguments as the method.
public void SetCompleted(int id){...}
//constructor in SetCompletedCommand class
public SetCompletedCommand(int id){..}
To exclude a method from being proxied, add a
NoProxy attribute:
public void Clear(){...}
Properties in NET are just syntactic sugar. Getters and setters are compiled into methods. Everything that applies to methods apply to setters and getters as well. This means you can use the attributes described above on setters and getter of properties and indexers:
NoProxy'Can also be applied to a properties getter or setter:
//example property
public Node Root
[Query(CloneResult=false, MapTo=typeof(GetRootNodeQuery))]


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Scobe's Quick Tips: #41 and #42 (Slot Machines, Casino Safety)8 August 2003
Scobe's Quick Tip #41
On some slot machines it doesn't matter whether you play full coin or one coin, as full coin does not give you much more in the way of payback percentage.
However, there are some machines where you must either play full coin or not play at all. These are the giant linked progressive slots such as Megabucks and Quartermania. The only reason to play these machines is to have a chance, albeit at very, very long shot, at the jackpot.For more information on slots read Break the One-Armed Bandits! By Frank Scoblete, The Slot Machine Answer Book by John Grochowski, and The Slot Expert's Guide to Playing Slots by John Robison.
Scobe's Quick Tip #42
When you are in a casino, you tend to carry a lot more cash with you.
Men, be smart and never put your wallet in your back pocket. Get a shirt with pockets that button and place your cash in there. It's much harder for a pickpocket to snatch money from a buttoned shirt pocket than it is from a bulging backside!
For more on how to protect yourself from criminals in a casino read Forever Craps by Frank Scoblete.
This article is provided by the Frank Scoblete Network. Melissa A. Kaplan is the network's managing editor. If you would like to use this article on your website, please contact Casino City Press, the exclusive web syndication outlet for the Frank Scoblete Network. To contact Frank, please e-mail him at email@example.com.
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